Last update: Oct 2026

Cost of Living Comparison Between Karmøy and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,641 in Karmøy, rent and utilities included – about $15,500 less a year. Other living expenses account for most of the difference.

132

Cost of Living Index in Karmøy
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Karmøy Living Index
65

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

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Karmøy

🇳🇴 Norway

$2,641

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,641 in Karmøy versus $1,349 in Ubud, Bali.

Karmøy $2,641
Ubud, Bali $1,349

Estimated couple costs with rent: $4,032 in Karmøy versus $2,305 in Ubud, Bali.

Karmøy $4,032
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,423 in Karmøy versus $3,261 in Ubud, Bali.

Karmøy $5,423
Ubud, Bali $3,261

Living in Karmøy is roughly 96% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$21.23 NOK 197

$3.32 Rp 60.4K

539.46%

Three-Course Dinner for Two, Mid-Range

$122 NOK 1,135

$35.64 Rp 647.8K

242.82%

Fast Food Meal (McDonalds, etc)

$16.23 NOK 151

$5.53 Rp 100.6K

193.49%

Cappuccino

$6.16 NOK 57.3

$2.72 Rp 49.4K

126.47%

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

$3.80 NOK 35.34

$1.70 Rp 30.9K

123.53%

Water (0.33 liter bottle)

$2.91 NOK 27.02

$0.76 Rp 13.8K

282.89%

Local Beer (0.5 liter draught)

$11.67 NOK 108

$2.65 Rp 48.2K

340.38%

Imported Beer (0.33 liter bottle)

$11.22 NOK 104

$4.38 Rp 79.6K

156.16%

Milk (1 liter)

$2.32 NOK 21.55

$1.49 Rp 27.1K

55.70%

White Bread (500g)

$3.87 NOK 35.94

$2.28 Rp 41.4K

69.74%

Rice (white) (1kg)

$3.37 NOK 31.29

$1.19 Rp 21.6K

183.19%

Eggs

$4.39 NOK 40.75

$2.04 Rp 37.0K

115.20%

Local Cheese (1kg)

$12.31 NOK 114

$17.70 Rp 321.7K

-30.45%

Chicken Fillets (1kg)

$15.45 NOK 144

$3.96 Rp 72.0K

290.15%

Beef Round Steak (1kg)

$29.85 NOK 277

$12.19 Rp 221.6K

144.87%

Apples (1kg)

$3.29 NOK 30.53

$3.66 Rp 66.4K

-10.11%

Banana (1kg)

$2.37 NOK 22.03

$1.52 Rp 27.6K

55.92%

Oranges (1kg)

$3.05 NOK 28.29

$2.23 Rp 40.5K

36.77%

Tomato (1kg)

$4.55 NOK 42.32

$1.97 Rp 35.9K

130.96%

Potato (1kg)

$2.51 NOK 23.35

$1.85 Rp 33.6K

35.68%

Onion (1kg)

$3.00 NOK 27.91

$2.42 Rp 44.1K

23.97%

Lettuce (1 head)

$3.44 NOK 31.92

$0.99 Rp 18.0K

247.47%

Water (1.5 liter bottle)

$2.49 NOK 23.13

$0.51 Rp 9,332

388.24%

Cigarettes 20 Pack (Marlboro, Camel)

$20.07 NOK 186

$2.22 Rp 40.4K

804.05%

Wine (Bottle)

$17.00 NOK 158

$22.24 Rp 404.2K

-23.56%

Local Beer (0.5 liter bottle)

$3.89 NOK 36.11

$2.26 Rp 41.1K

72.12%

Imported Beer (0.33 liter bottle)

$4.95 NOK 45.99

$2.97 Rp 54.0K

66.67%

One-way Ticket (Public Transport)

$4.66 NOK 43.32

$0.25 Rp 4,562

1764.00%

Public Transport Monthly Pass (Regular Price)

$84.3 NOK 783

$7.82 Rp 142.2K

977.49%

Taxi Start (Normal Tariff)

$13.42 NOK 125

$0.44 Rp 7,989

2950.00%

Taxi (Normal Tariff) (1km)

$1.84 NOK 17.09

$0.43 Rp 7,817

327.91%

Taxi 1hour Waiting (Normal Tariff)

$63.7 NOK 592

$5.41 Rp 98.3K

1077.45%

Gasoline (1 liter)

$2.52 NOK 23.41

$0.82 Rp 15.0K

207.32%

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

$50.9K NOK 472.5K

$23.8K Rp 433.3M

113.33%

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

$41.1K NOK 381.6K

$31.7K Rp 577.0M

29.37%

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

$243 NOK 2,259

$79.1 Rp 1.4M

207.61%

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

$30.54 NOK 284

$6.45 Rp 117.2K

373.49%

Internet (50+ Mbps, Unlimited Data)

$46.76 NOK 434

$18.58 Rp 337.7K

151.67%

Gym Membership (Monthly)

$49.24 NOK 457

$49.48 Rp 899.4K

-0.49%

Tennis Court (1 Hour on Weekend)

$41.02 NOK 381

$17.65 Rp 320.8K

132.41%

Cinema Ticket

$16.70 NOK 155

$4.27 Rp 77.7K

291.10%

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

$259 NOK 2,405

$491 Rp 8.9M

-47.22%

International Primary School, 1 Child (Yearly)

$12.2K NOK 113.3K

$5,674 Rp 103.1M

114.92%

Jeans (Levis 501 Or Similar)

$96.0 NOK 892

$44.64 Rp 811.4K

115.03%

Summer Dress (H&M, Zara, etc)

$49.63 NOK 461

$34.95 Rp 635.3K

42.00%

Sport Shoes (Adidas, Nike)

$111 NOK 1,031

$79.9 Rp 1.5M

38.82%

Men's Leather Business Shoes

$154 NOK 1,429

$79.4 Rp 1.4M

93.64%

1-bedroom Apartment, City Center (Monthly)

$1,262 NOK 11.7K

$1,125 Rp 20.4M

12.18%

1-bedroom Apartment, Outside City Center (Monthly)

$1,044 NOK 9,703

$671 Rp 12.2M

55.53%

3-bedroom Apartment, City Center (Monthly)

$2,068 NOK 19.2K

$3,565 Rp 64.8M

-41.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,688 NOK 15.7K

$1,723 Rp 31.3M

-2.07%

Buy Apartment in City Center (m2)

$6,242 NOK 58.0K

$2,732 Rp 49.6M

128.52%

Buy Apartment Outside City Center (m2)

$4,136 NOK 38.4K

$2,284 Rp 41.5M

81.07%

Average Monthly Net Salary (After Tax)

$4,114 NOK 38.2K

$164 Rp 3.0M

2411.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

13.78

-64.15%

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

Last update for Karmøy: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Karmøy

$1K 39.6%

Ubud, Bali

$672 49.8% 35.7% $373

Groceries & Markets

Karmøy

$483 18.3%

Ubud, Bali

$288 21.4% 40.2% $194

Eating Out

Karmøy

$400 15.2%

Ubud, Bali

$108 8% 73.1% $292

Monthly Utilities & Internet

Karmøy

$321 12.1%

Ubud, Bali

$104 7.7% 67.5% $216

Clothing & Footwear

Karmøy

$185 7%

Ubud, Bali

$108 8% 41.8% $77

Getting Around

Karmøy

$126 4.8%

Ubud, Bali

$11 0.9% 90.9% $114

Sport & Entertainment

Karmøy

$83 3.1%

Ubud, Bali

$58 4.3% 29.8% $25

Cost Breakdown

A one-bedroom apartment in the center runs $1,262 in Karmøy and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

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

Dining out: $122 in Karmøy vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $483 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇴 Karmøy

🇮🇩 Ubud, Bali

🕒 Local time

21:48 9:48 PM

04:48 4:48 AM

7 h ahead of Karmøy

🌤 Weather

👥 Population

43,404

74,800

💱 Currency

Norwegian Krone NOK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NOK = 10.76 USD

100 NOK = 9.67 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 28, 2026: 1 USD = 9.29 NOK (1 NOK = 0.108 USD). 1 EUR = 10.34 NOK (100 NOK = 9.67 EUR).

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 NOK in detail →

On the map

Lowest

Highest

Between locations

Karmøy Ubud, Bali 11,960 km ≈ 15 h nonstop flight

From you

Karmøy
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

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

Total monthly costs including rent come to $2,641 in Karmøy and $1,349 in Ubud, Bali, so Ubud, Bali is about 49% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Karmøy 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: $1,262 in Karmøy versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 91% less than in Karmøy. The price difference matters if you commute daily and watch your budget.

Childcare runs $259 in Karmøy versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

Expats usually find Ubud, Bali gentler on the wallet – expenses run 49% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.