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: $2,742 in Karmøy versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $4,097 in Karmøy versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,453 in Karmøy versus $3,275 in Ubud, Bali.

Living in Karmøy is roughly 99% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Karmøy 99% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$21.51 NOK 200

$3.33 Rp 58.7K

545.95%

Three-Course Dinner for Two, Mid-Range

$106 NOK 979

$35.82 Rp 630.7K

194.53%

Fast Food Meal (McDonalds, etc)

$15.74 NOK 146

$5.63 Rp 99.1K

179.57%

Cappuccino

$5.61 NOK 52.1

$2.82 Rp 49.7K

98.94%

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

$4.25 NOK 39.41

$1.75 Rp 30.8K

142.86%

Water (0.33 liter bottle)

$3.12 NOK 28.91

$0.80 Rp 14.0K

290.00%

Local Beer (0.5 liter draught)

$11.61 NOK 108

$3.04 Rp 53.6K

281.91%

Imported Beer (0.33 liter bottle)

$10.87 NOK 101

$4.30 Rp 75.7K

152.79%

Milk (1 liter)

$2.60 NOK 24.15

$1.61 Rp 28.3K

61.49%

White Bread (500g)

$3.58 NOK 33.21

$2.27 Rp 39.9K

57.71%

Rice (white) (1kg)

$3.84 NOK 35.58

$1.17 Rp 20.6K

228.21%

Eggs

$5.10 NOK 47.35

$2.17 Rp 38.2K

135.02%

Local Cheese (1kg)

$13.47 NOK 125

$17.63 Rp 310.5K

-23.60%

Chicken Fillets (1kg)

$15.21 NOK 141

$4.05 Rp 71.4K

275.56%

Beef Round Steak (1kg)

$30.51 NOK 283

$12.18 Rp 214.5K

150.49%

Apples (1kg)

$3.48 NOK 32.33

$3.62 Rp 63.7K

-3.87%

Banana (1kg)

$2.66 NOK 24.64

$1.64 Rp 28.8K

62.20%

Oranges (1kg)

$3.46 NOK 32.06

$2.31 Rp 40.6K

49.78%

Tomato (1kg)

$5.23 NOK 48.53

$1.96 Rp 34.5K

166.84%

Potato (1kg)

$2.66 NOK 24.65

$1.84 Rp 32.5K

44.57%

Onion (1kg)

$2.97 NOK 27.57

$2.37 Rp 41.7K

25.32%

Lettuce (1 head)

$3.11 NOK 28.82

$1.05 Rp 18.5K

196.19%

Water (1.5 liter bottle)

$2.44 NOK 22.64

$0.54 Rp 9,560

351.85%

Cigarettes 20 Pack (Marlboro, Camel)

$17.92 NOK 166

$2.30 Rp 40.6K

679.13%

Wine (Bottle)

$16.56 NOK 154

$23.08 Rp 406.4K

-28.25%

Local Beer (0.5 liter bottle)

$3.62 NOK 33.61

$2.34 Rp 41.2K

54.70%

Imported Beer (0.33 liter bottle)

$4.30 NOK 39.86

$3.07 Rp 54.0K

40.07%

One-way Ticket (Public Transport)

$4.79 NOK 44.39

$0.25 Rp 4,365

1816.00%

Public Transport Monthly Pass (Regular Price)

$84.6 NOK 785

$9.42 Rp 165.9K

798.09%

Taxi Start (Normal Tariff)

$12.39 NOK 115

$0.49 Rp 8,631

2428.57%

Taxi (Normal Tariff) (1km)

$1.92 NOK 17.77

$0.47 Rp 8,349

308.51%

Taxi 1hour Waiting (Normal Tariff)

$71.1 NOK 660

$5.60 Rp 98.6K

1169.46%

Gasoline (1 liter)

$2.30 NOK 21.31

$0.81 Rp 14.2K

183.95%

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

$48.8K NOK 453.1K

$25.0K Rp 440.3M

95.27%

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

$44.5K NOK 412.5K

$31.1K Rp 547.0M

43.13%

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

$275 NOK 2,553

$82.7 Rp 1.5M

232.69%

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

$33.22 NOK 308

$6.49 Rp 114.2K

411.86%

Internet (50+ Mbps, Unlimited Data)

$57.1 NOK 529

$18.79 Rp 330.8K

203.62%

Gym Membership (Monthly)

$50.4 NOK 468

$55.2 Rp 972.6K

-8.73%

Tennis Court (1 Hour on Weekend)

$37.15 NOK 345

$18.21 Rp 320.6K

104.01%

Cinema Ticket

$17.99 NOK 167

$4.30 Rp 75.7K

318.37%

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

$245 NOK 2,270

$494 Rp 8.7M

-50.49%

International Primary School, 1 Child (Yearly)

$12.1K NOK 112.5K

$5,917 Rp 104.2M

104.94%

Jeans (Levis 501 Or Similar)

$102 NOK 944

$46.28 Rp 814.8K

119.90%

Summer Dress (H&M, Zara, etc)

$57.2 NOK 530

$36.44 Rp 641.6K

56.92%

Sport Shoes (Adidas, Nike)

$126 NOK 1,173

$80.7 Rp 1.4M

56.65%

Men's Leather Business Shoes

$160 NOK 1,484

$78.8 Rp 1.4M

103.05%

1-bedroom Apartment, City Center (Monthly)

$1,223 NOK 11.3K

$1,114 Rp 19.6M

9.76%

1-bedroom Apartment, Outside City Center (Monthly)

$1,051 NOK 9,752

$693 Rp 12.2M

51.64%

3-bedroom Apartment, City Center (Monthly)

$2,025 NOK 18.8K

$3,639 Rp 64.1M

-44.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,683 NOK 15.6K

$1,712 Rp 30.1M

-1.74%

Buy Apartment in City Center (m2)

$6,326 NOK 58.7K

$2,761 Rp 48.6M

129.17%

Buy Apartment Outside City Center (m2)

$4,315 NOK 40.0K

$2,293 Rp 40.4M

88.21%

Average Monthly Net Salary (After Tax)

$4,071 NOK 37.8K

$167 Rp 2.9M

2336.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.96

13.78

-64.01%

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

Last update for Karmøy: September 7, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,223 in Karmøy and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karmøy pays 2337% 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: $105 in Karmøy vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $494 vs $294 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 99% in total monthly costs ($2,742 vs $1,378 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2337% 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: $1,223 in Karmøy versus $1,114 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 798% less than in Karmøy. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $245 in Karmøy versus $494 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,378 in Ubud, Bali versus $2,742 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 99% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.