Last update: Nov 2026

Cost of Living Comparison Between Kajaani and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,812 in Kajaani, rent and utilities included – about $5,800 less a year. Other living expenses account for most of the difference.

86

Cost of Living Index in Kajaani
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Kajaani Living Index
64

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

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Kajaani

🇫🇮 Finland

$1,812

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,812 in Kajaani versus $1,331 in Ubud, Bali.

Kajaani $1,812
Ubud, Bali $1,331

Estimated couple costs with rent: $2,744 in Kajaani versus $2,255 in Ubud, Bali.

Kajaani $2,744
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $3,676 in Kajaani versus $3,180 in Ubud, Bali.

Kajaani $3,676
Ubud, Bali $3,180

Living in Kajaani is roughly 36% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kajaani is 34% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$16.58 €14.82

$3.38 Rp 61.2K

390.53%

Three-Course Dinner for Two, Mid-Range

$65.3 €58.4

$34.65 Rp 628.6K

88.54%

Fast Food Meal (McDonalds, etc)

$10.28 €9.19

$5.57 Rp 101.1K

84.56%

Cappuccino

$4.51 €4.03

$2.62 Rp 47.5K

72.14%

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

$2.47 €2.21

$1.54 Rp 27.9K

60.39%

Water (0.33 liter bottle)

$1.70 €1.52

$0.64 Rp 11.6K

165.63%

Local Beer (0.5 liter draught)

$8.33 €7.44

$2.67 Rp 48.4K

211.99%

Imported Beer (0.33 liter bottle)

$7.46 €6.67

$4.26 Rp 77.3K

75.12%

Milk (1 liter)

$1.48 €1.33

$1.46 Rp 26.5K

1.37%

White Bread (500g)

$2.57 €2.30

$2.29 Rp 41.6K

12.23%

Rice (white) (1kg)

$2.26 €2.02

$1.11 Rp 20.1K

103.60%

Eggs

$2.85 €2.55

$2.10 Rp 38.1K

35.71%

Local Cheese (1kg)

$8.39 €7.50

$15.94 Rp 289.2K

-47.37%

Chicken Fillets (1kg)

$11.86 €10.61

$3.88 Rp 70.4K

205.67%

Beef Round Steak (1kg)

$23.19 €20.74

$11.40 Rp 206.8K

103.42%

Apples (1kg)

$2.46 €2.20

$3.55 Rp 64.4K

-30.70%

Banana (1kg)

$2.09 €1.87

$1.54 Rp 27.9K

35.71%

Oranges (1kg)

$2.38 €2.13

$2.23 Rp 40.5K

6.73%

Tomato (1kg)

$3.93 €3.51

$1.97 Rp 35.8K

99.49%

Potato (1kg)

$1.51 €1.35

$1.86 Rp 33.7K

-18.82%

Onion (1kg)

$2.19 €1.96

$2.42 Rp 43.9K

-9.50%

Lettuce (1 head)

$1.47 €1.32

$1.02 Rp 18.6K

44.12%

Water (1.5 liter bottle)

$1.79 €1.60

$0.52 Rp 9,475

244.23%

Cigarettes 20 Pack (Marlboro, Camel)

$13.33 €11.92

$2.20 Rp 39.9K

505.91%

Wine (Bottle)

$13.36 €11.95

$21.79 Rp 395.2K

-38.69%

Local Beer (0.5 liter bottle)

$3.10 €2.78

$2.33 Rp 42.2K

33.05%

Imported Beer (0.33 liter bottle)

$3.45 €3.09

$2.97 Rp 53.9K

16.16%

One-way Ticket (Public Transport)

$3.42 €3.06

$0.25 Rp 4,542

1268.00%

Public Transport Monthly Pass (Regular Price)

$64.4 €57.6

$8.17 Rp 148.3K

688.25%

Taxi Start (Normal Tariff)

$8.46 €7.56

$0.44 Rp 7,941

1822.73%

Taxi (Normal Tariff) (1km)

$1.39 €1.24

$0.47 Rp 8,489

195.74%

Taxi 1hour Waiting (Normal Tariff)

$65.3 €58.4

$5.60 Rp 101.6K

1066.07%

Gasoline (1 liter)

$2.30 €2.06

$0.83 Rp 15.0K

177.11%

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

$36.8K €32.9K

$24.4K Rp 443.5M

50.62%

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

$38.2K €34.2K

$31.7K Rp 575.0M

20.56%

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

$143 €128

$77.5 Rp 1.4M

85.16%

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

$29.59 €26.46

$6.14 Rp 111.5K

381.92%

Internet (50+ Mbps, Unlimited Data)

$21.80 €19.50

$18.92 Rp 343.1K

15.22%

Gym Membership (Monthly)

$42.89 €38.35

$51.0 Rp 925.0K

-15.89%

Tennis Court (1 Hour on Weekend)

$22.47 €20.10

$18.25 Rp 331.0K

23.12%

Cinema Ticket

$19.20 €17.17

$4.38 Rp 79.5K

338.36%

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

$389 €348

$492 Rp 8.9M

-20.95%

International Primary School, 1 Child (Yearly)

$12.5K €11.2K

$12.2K Rp 221.7M

2.58%

Jeans (Levis 501 Or Similar)

$90.2 €80.6

$45.16 Rp 819.2K

99.69%

Summer Dress (H&M, Zara, etc)

$27.83 €24.89

$34.89 Rp 632.9K

-20.24%

Sport Shoes (Adidas, Nike)

$56.3 €50.3

$78.3 Rp 1.4M

-28.14%

Men's Leather Business Shoes

$149 €134

$77.9 Rp 1.4M

91.86%

1-bedroom Apartment, City Center (Monthly)

$797 €712

$1,078 Rp 19.5M

-26.06%

1-bedroom Apartment, Outside City Center (Monthly)

$651 €582

$665 Rp 12.1M

-2.07%

3-bedroom Apartment, City Center (Monthly)

$1,208 €1,080

$3,510 Rp 63.7M

-65.59%

3-bedroom Apartment, Outside City Center (Monthly)

$1,028 €919

$1,671 Rp 30.3M

-38.50%

Buy Apartment in City Center (m2)

$4,073 €3,642

$2,340 Rp 42.4M

74.05%

Buy Apartment Outside City Center (m2)

$2,175 €1,945

$2,236 Rp 40.6M

-2.74%

Average Monthly Net Salary (After Tax)

$2,017 €1,803

$166 Rp 3.0M

1112.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.33

13.78

-68.58%

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

Last update for Kajaani: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Kajaani

$651 35.9%

Ubud, Bali

$665 50% 2.1% $14

Groceries & Markets

Kajaani

$355 19.6%

Ubud, Bali

$279 21% 21.2% $75

Eating Out

Kajaani

$291 16.1%

Ubud, Bali

$106 8% 63.6% $185

Monthly Utilities & Internet

Kajaani

$195 10.8%

Ubud, Bali

$103 7.7% 47.4% $92

Clothing & Footwear

Kajaani

$146 8%

Ubud, Bali

$106 8% 27% $39

Getting Around

Kajaani

$93 5.2%

Ubud, Bali

$12 0.9% 87.2% $82

Sport & Entertainment

Kajaani

$81 4.5%

Ubud, Bali

$60 4.5% 26.5% $22

Cost Breakdown

A one-bedroom apartment in the center runs $797 in Kajaani and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kajaani pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $65 in Kajaani vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $355 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Kajaani

🇮🇩 Ubud, Bali

🕒 Local time

02:29 2:29 AM

08:29 8:29 AM

6 h ahead of Kajaani

🌤 Weather

👥 Population

36,492

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 4, 2026: 1 USD = 0.894 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

USD to EUR in detail →

On the map

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Between locations

Kajaani Ubud, Bali 10,740 km ≈ 14 h nonstop flight

From you

Kajaani
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

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

Ubud, Bali wins on cost – living expenses run 27% lower than in Kajaani. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Kajaani is about 12 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: $797 in Kajaani versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $389 in Kajaani versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 27% higher in Kajaani. For households that cook at home regularly, that difference adds up over a month.

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, Kajaani 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, Kajaani on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.