Cost of Living Comparison Between Kajaani and Ubud, Bali Cost of Living Comparison Between Kajaani and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,864 in Kajaani versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,793 in Kajaani versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,721 in Kajaani versus $3,327 in Ubud, Bali.

Living in Kajaani is roughly 36% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Kajaani 36% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$17.24 €14.94

$3.44 Rp 60.8K

401.16%

Three-Course Dinner for Two, Mid-Range

$67.6 €58.6

$36.31 Rp 642.1K

86.12%

Fast Food Meal (McDonalds, etc)

$10.63 €9.21

$5.71 Rp 100.9K

86.16%

Cappuccino

$4.56 €3.95

$2.67 Rp 47.2K

70.79%

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

$2.46 €2.13

$1.75 Rp 30.9K

40.57%

Water (0.33 liter bottle)

$1.77 €1.53

$0.87 Rp 15.4K

103.45%

Local Beer (0.5 liter draught)

$8.64 €7.49

$2.95 Rp 52.2K

192.88%

Imported Beer (0.33 liter bottle)

$7.56 €6.55

$4.52 Rp 79.9K

67.26%

Milk (1 liter)

$1.47 €1.28

$1.62 Rp 28.6K

-9.26%

White Bread (500g)

$2.63 €2.28

$2.33 Rp 41.2K

12.88%

Rice (white) (1kg)

$2.36 €2.05

$1.11 Rp 19.6K

112.61%

Eggs

$2.84 €2.46

$2.20 Rp 38.9K

29.09%

Local Cheese (1kg)

$8.71 €7.54

$17.69 Rp 312.8K

-50.76%

Chicken Fillets (1kg)

$12.26 €10.63

$4.10 Rp 72.4K

199.02%

Beef Round Steak (1kg)

$24.08 €20.87

$12.18 Rp 215.3K

97.70%

Apples (1kg)

$2.61 €2.26

$3.71 Rp 65.5K

-29.65%

Banana (1kg)

$2.23 €1.93

$1.59 Rp 28.1K

40.25%

Oranges (1kg)

$2.43 €2.11

$2.28 Rp 40.4K

6.58%

Tomato (1kg)

$3.95 €3.42

$1.95 Rp 34.5K

102.56%

Potato (1kg)

$1.55 €1.35

$1.91 Rp 33.7K

-18.85%

Onion (1kg)

$2.22 €1.93

$2.33 Rp 41.2K

-4.72%

Lettuce (1 head)

$1.56 €1.35

$1.01 Rp 17.8K

54.46%

Water (1.5 liter bottle)

$1.87 €1.62

$0.55 Rp 9,759

240.00%

Cigarettes 20 Pack (Marlboro, Camel)

$13.84 €11.99

$2.23 Rp 39.5K

520.63%

Wine (Bottle)

$13.67 €11.85

$23.07 Rp 408.0K

-40.75%

Local Beer (0.5 liter bottle)

$3.28 €2.84

$2.42 Rp 42.8K

35.54%

Imported Beer (0.33 liter bottle)

$3.48 €3.02

$3.00 Rp 53.0K

16.00%

One-way Ticket (Public Transport)

$3.42 €2.96

$0.27 Rp 4,807

1166.67%

Public Transport Monthly Pass (Regular Price)

$66.5 €57.7

$8.98 Rp 158.9K

640.98%

Taxi Start (Normal Tariff)

$8.83 €7.65

$0.48 Rp 8,554

1739.58%

Taxi (Normal Tariff) (1km)

$1.42 €1.23

$0.43 Rp 7,668

230.23%

Taxi 1hour Waiting (Normal Tariff)

$68.5 €59.4

$5.64 Rp 99.8K

1114.89%

Gasoline (1 liter)

$2.31 €2.00

$0.80 Rp 14.2K

188.75%

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

$38.3K €33.2K

$24.9K Rp 441.1M

53.38%

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

$37.1K €32.2K

$31.7K Rp 560.7M

17.03%

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

$144 €125

$81.5 Rp 1.4M

77.36%

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

$30.31 €26.27

$6.49 Rp 114.8K

367.03%

Internet (50+ Mbps, Unlimited Data)

$22.35 €19.37

$18.77 Rp 331.9K

19.07%

Gym Membership (Monthly)

$45.77 €39.67

$56.9 Rp 1.0M

-19.52%

Tennis Court (1 Hour on Weekend)

$23.22 €20.12

$18.73 Rp 331.2K

23.97%

Cinema Ticket

$19.92 €17.26

$4.54 Rp 80.2K

338.77%

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

$314 €272

$481 Rp 8.5M

-34.75%

International Primary School, 1 Child (Yearly)

$12.4K €10.8K

$5,711 Rp 101.0M

117.60%

Jeans (Levis 501 Or Similar)

$93.9 €81.3

$45.52 Rp 804.9K

106.20%

Summer Dress (H&M, Zara, etc)

$28.61 €24.79

$35.88 Rp 634.5K

-20.26%

Sport Shoes (Adidas, Nike)

$57.5 €49.80

$80.4 Rp 1.4M

-28.51%

Men's Leather Business Shoes

$134 €116

$78.7 Rp 1.4M

69.85%

1-bedroom Apartment, City Center (Monthly)

$814 €705

$1,115 Rp 19.7M

-27.01%

1-bedroom Apartment, Outside City Center (Monthly)

$657 €570

$698 Rp 12.3M

-5.76%

3-bedroom Apartment, City Center (Monthly)

$1,284 €1,112

$3,637 Rp 64.3M

-64.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,057 €916

$1,737 Rp 30.7M

-39.16%

Buy Apartment in City Center (m2)

$4,081 €3,536

$2,784 Rp 49.2M

46.56%

Buy Apartment Outside City Center (m2)

$2,055 €1,781

$2,290 Rp 40.5M

-10.24%

Average Monthly Net Salary (After Tax)

$2,042 €1,770

$168 Rp 3.0M

1115.50%

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: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $814 in Kajaani and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kajaani pays 1115% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $68.0 in Kajaani vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $366 vs $295 per month, with Ubud, Bali cheaper across the board.

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 36% 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 runs 1115% higher in Kajaani, 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: $814 in Kajaani versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $314 in Kajaani versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 24% higher in Kajaani. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,864 in Kajaani, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kajaani. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Kajaani and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 36% less than in Kajaani. Beyond cost, consider language, visa policies, and how big the international community is in each city.