Last update: Oct 2026

Cost of Living Comparison Between Joensuu and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,892 in Joensuu, rent and utilities included – about $6,500 less a year. Other living expenses account for most of the difference.

91

Cost of Living Index in Joensuu
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Joensuu Living Index
65

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

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Joensuu

🇫🇮 Finland

$1,892

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Joensuu 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 Joensuu and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,892 in Joensuu versus $1,349 in Ubud, Bali.

Joensuu $1,892
Ubud, Bali $1,349

Estimated couple costs with rent: $2,820 in Joensuu versus $2,305 in Ubud, Bali.

Joensuu $2,820
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,749 in Joensuu versus $3,261 in Ubud, Bali.

Joensuu $3,749
Ubud, Bali $3,261

Living in Joensuu is roughly 40% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.59 €14.00

$3.32 Rp 60.4K

369.58%

Three-Course Dinner for Two, Mid-Range

$67.7 €60.8

$35.64 Rp 647.8K

89.93%

Fast Food Meal (McDonalds, etc)

$11.80 €10.60

$5.53 Rp 100.6K

113.38%

Cappuccino

$3.64 €3.27

$2.72 Rp 49.4K

33.82%

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

$1.32 €1.19

$1.70 Rp 30.9K

-22.35%

Water (0.33 liter bottle)

$1.81 €1.63

$0.76 Rp 13.8K

138.16%

Local Beer (0.5 liter draught)

$8.14 €7.31

$2.65 Rp 48.2K

207.17%

Imported Beer (0.33 liter bottle)

$8.15 €7.32

$4.38 Rp 79.6K

86.07%

Milk (1 liter)

$1.43 €1.29

$1.49 Rp 27.1K

-4.03%

White Bread (500g)

$2.59 €2.33

$2.28 Rp 41.4K

13.60%

Rice (white) (1kg)

$2.85 €2.56

$1.19 Rp 21.6K

139.50%

Eggs

$2.81 €2.53

$2.04 Rp 37.0K

37.75%

Local Cheese (1kg)

$8.43 €7.57

$17.70 Rp 321.7K

-52.37%

Chicken Fillets (1kg)

$12.77 €11.47

$3.96 Rp 72.0K

222.47%

Beef Round Steak (1kg)

$23.28 €20.92

$12.19 Rp 221.6K

90.98%

Apples (1kg)

$2.54 €2.28

$3.66 Rp 66.4K

-30.60%

Banana (1kg)

$1.98 €1.78

$1.52 Rp 27.6K

30.26%

Oranges (1kg)

$2.21 €1.98

$2.23 Rp 40.5K

-0.90%

Tomato (1kg)

$3.90 €3.51

$1.97 Rp 35.9K

97.97%

Potato (1kg)

$1.48 €1.33

$1.85 Rp 33.6K

-20.00%

Onion (1kg)

$2.19 €1.97

$2.42 Rp 44.1K

-9.50%

Lettuce (1 head)

$1.51 €1.35

$0.99 Rp 18.0K

52.53%

Water (1.5 liter bottle)

$1.44 €1.30

$0.51 Rp 9,332

182.35%

Cigarettes 20 Pack (Marlboro, Camel)

$11.75 €10.55

$2.22 Rp 40.4K

429.28%

Wine (Bottle)

$13.61 €12.23

$22.24 Rp 404.2K

-38.80%

Local Beer (0.5 liter bottle)

$2.25 €2.02

$2.26 Rp 41.1K

-0.44%

Imported Beer (0.33 liter bottle)

$3.29 €2.95

$2.97 Rp 54.0K

10.77%

One-way Ticket (Public Transport)

$3.00 €2.70

$0.25 Rp 4,562

1100.00%

Public Transport Monthly Pass (Regular Price)

$72.9 €65.5

$7.82 Rp 142.2K

831.71%

Taxi Start (Normal Tariff)

$6.75 €6.06

$0.44 Rp 7,989

1434.09%

Taxi (Normal Tariff) (1km)

$1.36 €1.22

$0.43 Rp 7,817

216.28%

Taxi 1hour Waiting (Normal Tariff)

$66.0 €59.3

$5.41 Rp 98.3K

1119.04%

Gasoline (1 liter)

$2.18 €1.96

$0.82 Rp 15.0K

165.85%

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

$35.8K €32.1K

$23.8K Rp 433.3M

50.07%

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

$37.1K €33.3K

$31.7K Rp 577.0M

16.90%

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

$196 €176

$79.1 Rp 1.4M

148.41%

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

$24.30 €21.83

$6.45 Rp 117.2K

276.74%

Internet (50+ Mbps, Unlimited Data)

$33.17 €29.80

$18.58 Rp 337.7K

78.53%

Gym Membership (Monthly)

$52.3 €46.98

$49.48 Rp 899.4K

5.70%

Tennis Court (1 Hour on Weekend)

$24.76 €22.25

$17.65 Rp 320.8K

40.28%

Cinema Ticket

$16.37 €14.71

$4.27 Rp 77.7K

283.37%

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

$276 €248

$491 Rp 8.9M

-43.67%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

Jeans (Levis 501 Or Similar)

$133 €119

$44.64 Rp 811.4K

196.82%

Summer Dress (H&M, Zara, etc)

$39.58 €35.55

$34.95 Rp 635.3K

13.25%

Sport Shoes (Adidas, Nike)

$88.6 €79.6

$79.9 Rp 1.5M

10.94%

Men's Leather Business Shoes

$148 €133

$79.4 Rp 1.4M

86.49%

1-bedroom Apartment, City Center (Monthly)

$729 €655

$1,125 Rp 20.4M

-35.19%

1-bedroom Apartment, Outside City Center (Monthly)

$645 €580

$671 Rp 12.2M

-3.90%

3-bedroom Apartment, City Center (Monthly)

$1,244 €1,117

$3,565 Rp 64.8M

-65.10%

3-bedroom Apartment, Outside City Center (Monthly)

$968 €869

$1,723 Rp 31.3M

-43.84%

Buy Apartment in City Center (m2)

$2,070 €1,860

$2,732 Rp 49.6M

-24.21%

Buy Apartment Outside City Center (m2)

$1,763 €1,584

$2,284 Rp 41.5M

-22.81%

Average Monthly Net Salary (After Tax)

$4,023 €3,614

$164 Rp 3.0M

2355.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.19

13.78

-76.85%

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

Last update for Joensuu: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Joensuu

$645 34.1%

Ubud, Bali

$672 49.8% 4.1% $26

Groceries & Markets

Joensuu

$352 18.6%

Ubud, Bali

$288 21.4% 18% $64

Eating Out

Joensuu

$273 14.5%

Ubud, Bali

$108 8% 60.6% $166

Monthly Utilities & Internet

Joensuu

$254 13.4%

Ubud, Bali

$104 7.7% 59% $150

Clothing & Footwear

Joensuu

$184 9.7%

Ubud, Bali

$108 8% 41.6% $76

Getting Around

Joensuu

$98 5.2%

Ubud, Bali

$11 0.9% 88.4% $87

Sport & Entertainment

Joensuu

$85 4.5%

Ubud, Bali

$58 4.3% 31.8% $27

Cost Breakdown

A one-bedroom apartment in the center runs $729 in Joensuu and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Joensuu pays about 25 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $68 in Joensuu vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $352 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Joensuu

🇮🇩 Ubud, Bali

🕒 Local time

02:14 2:14 AM

08:14 8:14 AM

6 h ahead of Joensuu

🌤 Weather

👥 Population

78,060

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 29, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 29, 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 →

On the map

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Between locations

Joensuu Ubud, Bali 10,620 km ≈ 14 h nonstop flight

From you

Joensuu
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

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

Total monthly costs including rent come to $1,892 in Joensuu and $1,349 in Ubud, Bali, so Ubud, Bali is about 29% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Joensuu is about 25 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $729 in Joensuu versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Joensuu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $68 in Joensuu. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Joensuu and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Joensuu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.