Last update: Oct 2026

Cost of Living Comparison Between Jarvenpaa and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,990 in Jarvenpaa, rent and utilities included – about $7,700 less a year. Other living expenses account for most of the difference.

96

Cost of Living Index in Jarvenpaa
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Jarvenpaa Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Jarvenpaa

🇫🇮 Finland

$1,990

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Jarvenpaa and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Jarvenpaa and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $1,990 per month in Jarvenpaa vs $1,349 in Ubud, Bali, rent included.

Jarvenpaa $1,990
Ubud, Bali $1,349

A couple spends around $3,103 per month in Jarvenpaa vs $2,305 in Ubud, Bali, rent included.

Jarvenpaa $3,103
Ubud, Bali $2,305

A family of three spends $4,217 per month in Jarvenpaa vs $3,261 in Ubud, Bali, rent included.

Jarvenpaa $4,217
Ubud, Bali $3,261

Jarvenpaa costs about 48% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$16.44 €14.77

$3.32 Rp 60.4K

395.18%

Three-Course Dinner for Two, Mid-Range

$79.7 €71.6

$35.64 Rp 647.8K

123.54%

Fast Food Meal (McDonalds, etc)

$11.67 €10.49

$5.53 Rp 100.6K

111.03%

Cappuccino

$4.74 €4.26

$2.72 Rp 49.4K

74.26%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.88 €2.59

$1.70 Rp 30.9K

69.41%

Water (0.33 liter bottle)

$1.92 €1.73

$0.76 Rp 13.8K

152.63%

Local Beer (0.5 liter draught)

$9.18 €8.24

$2.65 Rp 48.2K

246.42%

Imported Beer (0.33 liter bottle)

$9.73 €8.74

$4.38 Rp 79.6K

122.15%

Milk (1 liter)

$1.58 €1.42

$1.49 Rp 27.1K

6.04%

White Bread (500g)

$2.49 €2.24

$2.28 Rp 41.4K

9.21%

Rice (white) (1kg)

$2.71 €2.43

$1.19 Rp 21.6K

127.73%

Eggs

$3.71 €3.33

$2.04 Rp 37.0K

81.86%

Local Cheese (1kg)

$7.95 €7.14

$17.70 Rp 321.7K

-55.08%

Chicken Fillets (1kg)

$14.84 €13.33

$3.96 Rp 72.0K

274.75%

Beef Round Steak (1kg)

$18.28 €16.42

$12.19 Rp 221.6K

49.96%

Apples (1kg)

$2.77 €2.49

$3.66 Rp 66.4K

-24.32%

Banana (1kg)

$2.24 €2.01

$1.52 Rp 27.6K

47.37%

Oranges (1kg)

$2.00 €1.79

$2.23 Rp 40.5K

-10.31%

Tomato (1kg)

$4.33 €3.89

$1.97 Rp 35.9K

119.80%

Potato (1kg)

$1.43 €1.28

$1.85 Rp 33.6K

-22.70%

Onion (1kg)

$1.56 €1.40

$2.42 Rp 44.1K

-35.54%

Lettuce (1 head)

$1.97 €1.77

$0.99 Rp 18.0K

98.99%

Water (1.5 liter bottle)

$1.04 €0.94

$0.51 Rp 9,332

103.92%

Cigarettes 20 Pack (Marlboro, Camel)

$13.50 €12.13

$2.22 Rp 40.4K

508.11%

Wine (Bottle)

$11.23 €10.09

$22.24 Rp 404.2K

-49.51%

Local Beer (0.5 liter bottle)

$3.40 €3.06

$2.26 Rp 41.1K

50.44%

Imported Beer (0.33 liter bottle)

$3.63 €3.26

$2.97 Rp 54.0K

22.22%

One-way Ticket (Public Transport)

$4.61 €4.14

$0.25 Rp 4,562

1744.00%

Public Transport Monthly Pass (Regular Price)

$111 €99.4

$7.82 Rp 142.2K

1314.96%

Taxi Start (Normal Tariff)

$8.54 €7.68

$0.44 Rp 7,989

1840.91%

Taxi (Normal Tariff) (1km)

$1.47 €1.32

$0.43 Rp 7,817

241.86%

Taxi 1hour Waiting (Normal Tariff)

$55.6 €49.92

$5.41 Rp 98.3K

927.17%

Gasoline (1 liter)

$2.32 €2.08

$0.82 Rp 15.0K

182.93%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.2K €32.6K

$23.8K Rp 433.3M

52.04%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$38.0K €34.2K

$31.7K Rp 577.0M

19.82%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$131 €117

$79.1 Rp 1.4M

65.27%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$28.79 €25.86

$6.45 Rp 117.2K

346.36%

Internet (50+ Mbps, Unlimited Data)

$22.23 €19.97

$18.58 Rp 337.7K

19.64%

Gym Membership (Monthly)

$58.8 €52.8

$49.48 Rp 899.4K

18.80%

Tennis Court (1 Hour on Weekend)

$22.41 €20.13

$17.65 Rp 320.8K

26.97%

Cinema Ticket

$16.85 €15.13

$4.27 Rp 77.7K

294.61%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$315 €283

$491 Rp 8.9M

-35.75%

International Primary School, 1 Child (Yearly)

$7,195 €6,463

$5,674 Rp 103.1M

26.80%

Jeans (Levis 501 Or Similar)

$95.7 €86.0

$44.64 Rp 811.4K

114.47%

Summer Dress (H&M, Zara, etc)

$27.56 €24.76

$34.95 Rp 635.3K

-21.14%

Sport Shoes (Adidas, Nike)

$102 €91.9

$79.9 Rp 1.5M

28.01%

Men's Leather Business Shoes

$111 €100.0

$79.4 Rp 1.4M

40.13%

1-bedroom Apartment, City Center (Monthly)

$1,022 €918

$1,125 Rp 20.4M

-9.10%

1-bedroom Apartment, Outside City Center (Monthly)

$761 €684

$671 Rp 12.2M

13.31%

3-bedroom Apartment, City Center (Monthly)

$1,704 €1,531

$3,565 Rp 64.8M

-52.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,347 €1,210

$1,723 Rp 31.3M

-21.82%

Buy Apartment in City Center (m2)

$4,088 €3,673

$2,732 Rp 49.6M

49.66%

Buy Apartment Outside City Center (m2)

$2,121 €1,905

$2,284 Rp 41.5M

-7.14%

Average Monthly Net Salary (After Tax)

$2,774 €2,492

$164 Rp 3.0M

1592.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.94

13.78

-71.41%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Jarvenpaa: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Jarvenpaa

$761 38.2%

Ubud, Bali

$672 49.8% 11.7% $89

Groceries & Markets

Jarvenpaa

$351 17.6%

Ubud, Bali

$288 21.4% 17.8% $62

Eating Out

Jarvenpaa

$308 15.5%

Ubud, Bali

$108 8% 65% $200

Monthly Utilities & Internet

Jarvenpaa

$182 9.1%

Ubud, Bali

$104 7.7% 42.7% $78

Clothing & Footwear

Jarvenpaa

$152 7.6%

Ubud, Bali

$108 8% 29.1% $44

Getting Around

Jarvenpaa

$145 7.3%

Ubud, Bali

$11 0.9% 92.1% $134

Sport & Entertainment

Jarvenpaa

$92 4.7%

Ubud, Bali

$58 4.3% 37.3% $34

Cost Breakdown

A central one-bedroom costs $1,022 in Jarvenpaa versus $1,125 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Jarvenpaa are about 17 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $80 in Jarvenpaa versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $351 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇫🇮 Jarvenpaa

🇮🇩 Ubud, Bali

🕒 Local time

00:40 12:40 AM

06:40 6:40 AM

6 h ahead of Jarvenpaa

🌤 Weather

👥 Population

46,475

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Jarvenpaa Ubud, Bali 10,840 km ≈ 14 h nonstop flight

From you

Jarvenpaa
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Jarvenpaa vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,990 in Jarvenpaa, $1,349 in Ubud, Bali – Ubud, Bali comes out roughly 32% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,986 per month in Jarvenpaa and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,022 in Jarvenpaa and $1,125 in Ubud, Bali. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Public transport costs about 93% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $315 per month in Jarvenpaa and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,990 in Jarvenpaa and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,990 in Jarvenpaa. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Jarvenpaa makes more sense. Both are solid long-term options with distinct trade-offs.