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

Monthly Cost of Living

Monthly costs for one person with rent: $2,436 in Karmøy versus $1,397 in Ubud, Bali.

Estimated couple costs with rent: $3,783 in Karmøy versus $2,588 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,130 in Karmøy versus $3,778 in Ubud, Bali.

Living in Karmøy is roughly 74% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Karmøy 82% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$25.53 NOK 245

$3.43 Rp 61.4K

644.31%

Three-Course Dinner for Two, Mid-Range

$101 NOK 971

$31.97 Rp 572.4K

216.58%

Fast Food Meal (McDonalds, etc)

$13.68 NOK 131

$5.05 Rp 90.4K

170.89%

Cappuccino

$5.01 NOK 48.06

$2.71 Rp 48.6K

84.87%

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

$3.18 NOK 30.52

$1.39 Rp 24.9K

128.78%

Water (0.33 liter bottle)

$2.81 NOK 26.92

$0.74 Rp 13.3K

279.73%

Local Beer (0.5 liter draught)

$10.17 NOK 97.6

$2.89 Rp 51.8K

251.90%

Imported Beer (0.33 liter bottle)

$9.45 NOK 90.7

$3.79 Rp 67.9K

149.34%

Milk (1 liter)

$2.19 NOK 21.03

$1.79 Rp 32.1K

22.35%

White Bread (500g)

$3.41 NOK 32.74

$2.51 Rp 44.9K

35.86%

Rice (white) (1kg)

$3.31 NOK 31.74

$1.21 Rp 21.7K

173.55%

Eggs

$4.32 NOK 41.41

$2.37 Rp 42.4K

82.28%

Local Cheese (1kg)

$12.23 NOK 117

$14.43 Rp 258.4K

-15.25%

Chicken Fillets (1kg)

$14.75 NOK 141

$4.15 Rp 74.3K

255.42%

Beef Round Steak (1kg)

$27.84 NOK 267

$12.11 Rp 216.9K

129.89%

Apples (1kg)

$3.47 NOK 33.25

$3.77 Rp 67.5K

-7.96%

Banana (1kg)

$2.49 NOK 23.88

$1.63 Rp 29.1K

52.76%

Oranges (1kg)

$3.33 NOK 31.90

$2.71 Rp 48.5K

22.88%

Tomato (1kg)

$4.49 NOK 43.04

$2.26 Rp 40.4K

98.67%

Potato (1kg)

$2.40 NOK 23.07

$1.93 Rp 34.5K

24.35%

Onion (1kg)

$2.45 NOK 23.53

$2.19 Rp 39.3K

11.87%

Lettuce (1 head)

$2.82 NOK 27.08

$1.02 Rp 18.2K

176.47%

Water (1.5 liter bottle)

$1.85 NOK 17.73

$0.72 Rp 12.8K

156.94%

Cigarettes 20 Pack (Marlboro, Camel)

$14.12 NOK 135

$3.18 Rp 57.0K

344.03%

Wine (Bottle)

$17.83 NOK 171

$23.84 Rp 426.8K

-25.21%

Local Beer (0.5 liter bottle)

$3.45 NOK 33.11

$2.77 Rp 49.7K

24.55%

Imported Beer (0.33 liter bottle)

$4.11 NOK 39.38

$2.75 Rp 49.3K

49.45%

One-way Ticket (Public Transport)

$4.16 NOK 39.91

$0.27 Rp 4,786

1440.74%

Public Transport Monthly Pass (Regular Price)

$72.5 NOK 696

$8.20 Rp 146.8K

784.39%

Taxi Start (Normal Tariff)

$10.09 NOK 96.8

$0.48 Rp 8,653

2002.08%

Taxi (Normal Tariff) (1km)

$1.39 NOK 13.36

$0.42 Rp 7,545

230.95%

Taxi 1hour Waiting (Normal Tariff)

$45.94 NOK 441

$6.03 Rp 107.9K

661.86%

Gasoline (1 liter)

$2.09 NOK 20.07

$0.82 Rp 14.7K

154.88%

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

$35.7K NOK 342.0K

$26.6K Rp 475.6M

34.26%

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

$38.7K NOK 371.3K

$32.2K Rp 576.6M

20.23%

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

$240 NOK 2,301

$78.3 Rp 1.4M

206.58%

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

$37.78 NOK 362

$3.91 Rp 70.1K

866.24%

Internet (50+ Mbps, Unlimited Data)

$55.0 NOK 528

$23.91 Rp 428.2K

130.11%

Gym Membership (Monthly)

$50.1 NOK 480

$96.2 Rp 1.7M

-47.96%

Tennis Court (1 Hour on Weekend)

$35.57 NOK 341

$6.53 Rp 116.8K

444.72%

Cinema Ticket

$16.74 NOK 161

$4.01 Rp 71.9K

317.46%

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

$282 NOK 2,708

$303 Rp 5.4M

-6.67%

International Primary School, 1 Child (Yearly)

$10.2K NOK 97.8K

$6,551 Rp 117.3M

55.68%

Jeans (Levis 501 Or Similar)

$96.1 NOK 922

$55.3 Rp 990.4K

73.77%

Summer Dress (H&M, Zara, etc)

$52.7 NOK 506

$38.32 Rp 686.1K

37.63%

Sport Shoes (Adidas, Nike)

$107 NOK 1,028

$88.5 Rp 1.6M

21.20%

Men's Leather Business Shoes

$150 NOK 1,440

$76.7 Rp 1.4M

95.67%

1-bedroom Apartment, City Center (Monthly)

$1,192 NOK 11.4K

$986 Rp 17.6M

20.93%

1-bedroom Apartment, Outside City Center (Monthly)

$900 NOK 8,634

$682 Rp 12.2M

32.00%

3-bedroom Apartment, City Center (Monthly)

$1,823 NOK 17.5K

$3,420 Rp 61.2M

-46.71%

3-bedroom Apartment, Outside City Center (Monthly)

$1,555 NOK 14.9K

$2,075 Rp 37.1M

-25.04%

Buy Apartment in City Center (m2)

$5,139 NOK 49.3K

$2,762 Rp 49.5M

86.03%

Buy Apartment Outside City Center (m2)

$3,582 NOK 34.3K

$2,243 Rp 40.2M

59.68%

Average Monthly Net Salary (After Tax)

$4,029 NOK 38.6K

$169 Rp 3.0M

2288.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.38

13.28

-67.02%

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

Last update for Karmøy: July 20, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,192 in Karmøy and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karmøy pays 2288% 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: $101 in Karmøy vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $455 vs $298 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

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

Karmøy and Ubud, Bali differ by about 74% in total monthly costs ($2,436 vs $1,397 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2288% higher in Karmøy, 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: $1,192 in Karmøy versus $986 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 784% less than in Karmøy. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $282 in Karmøy versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,397 in Ubud, Bali versus $2,436 in Karmøy, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Karmøy. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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 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 74% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.