Last update: Oct 2026

Cost of Living Comparison Between Kelowna and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,385 in Kelowna, rent and utilities included – about $12,400 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Kelowna
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Kelowna Living Index
65

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

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Kelowna

🇨🇦 Canada

$2,385

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,385 in Kelowna versus $1,349 in Ubud, Bali.

Kelowna $2,385
Ubud, Bali $1,349

Estimated couple costs with rent: $3,545 in Kelowna versus $2,305 in Ubud, Bali.

Kelowna $3,545
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,706 in Kelowna versus $3,261 in Ubud, Bali.

Kelowna $4,706
Ubud, Bali $3,261

Living in Kelowna is roughly 77% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$16.69 CA$23.42

$3.32 Rp 60.4K

402.71%

Three-Course Dinner for Two, Mid-Range

$58.4 CA$82.0

$35.64 Rp 647.8K

63.89%

Fast Food Meal (McDonalds, etc)

$11.50 CA$16.14

$5.53 Rp 100.6K

107.96%

Cappuccino

$4.01 CA$5.62

$2.72 Rp 49.4K

47.43%

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

$2.00 CA$2.80

$1.70 Rp 30.9K

17.65%

Water (0.33 liter bottle)

$1.72 CA$2.41

$0.76 Rp 13.8K

126.32%

Local Beer (0.5 liter draught)

$4.70 CA$6.60

$2.65 Rp 48.2K

77.36%

Imported Beer (0.33 liter bottle)

$5.59 CA$7.84

$4.38 Rp 79.6K

27.63%

Milk (1 liter)

$2.04 CA$2.87

$1.49 Rp 27.1K

36.91%

White Bread (500g)

$2.82 CA$3.95

$2.28 Rp 41.4K

23.68%

Rice (white) (1kg)

$3.59 CA$5.04

$1.19 Rp 21.6K

201.68%

Eggs

$3.18 CA$4.46

$2.04 Rp 37.0K

55.88%

Local Cheese (1kg)

$9.66 CA$13.56

$17.70 Rp 321.7K

-45.42%

Chicken Fillets (1kg)

$13.28 CA$18.64

$3.96 Rp 72.0K

235.35%

Beef Round Steak (1kg)

$21.55 CA$30.24

$12.19 Rp 221.6K

76.78%

Apples (1kg)

$3.57 CA$5.01

$3.66 Rp 66.4K

-2.46%

Banana (1kg)

$1.49 CA$2.09

$1.52 Rp 27.6K

-1.97%

Oranges (1kg)

$3.51 CA$4.93

$2.23 Rp 40.5K

57.40%

Tomato (1kg)

$4.76 CA$6.68

$1.97 Rp 35.9K

141.62%

Potato (1kg)

$3.16 CA$4.43

$1.85 Rp 33.6K

70.81%

Onion (1kg)

$3.13 CA$4.39

$2.42 Rp 44.1K

29.34%

Lettuce (1 head)

$2.57 CA$3.60

$0.99 Rp 18.0K

159.60%

Water (1.5 liter bottle)

$1.98 CA$2.78

$0.51 Rp 9,332

288.24%

Cigarettes 20 Pack (Marlboro, Camel)

$14.37 CA$20.17

$2.22 Rp 40.4K

547.30%

Wine (Bottle)

$13.81 CA$19.39

$22.24 Rp 404.2K

-37.90%

Local Beer (0.5 liter bottle)

$2.54 CA$3.56

$2.26 Rp 41.1K

12.39%

Imported Beer (0.33 liter bottle)

$3.13 CA$4.39

$2.97 Rp 54.0K

5.39%

One-way Ticket (Public Transport)

$2.18 CA$3.06

$0.25 Rp 4,562

772.00%

Public Transport Monthly Pass (Regular Price)

$49.68 CA$69.7

$7.82 Rp 142.2K

535.29%

Taxi Start (Normal Tariff)

$2.77 CA$3.89

$0.44 Rp 7,989

529.55%

Taxi (Normal Tariff) (1km)

$1.81 CA$2.54

$0.43 Rp 7,817

320.93%

Taxi 1hour Waiting (Normal Tariff)

$34.45 CA$48.35

$5.41 Rp 98.3K

536.78%

Gasoline (1 liter)

$1.24 CA$1.74

$0.82 Rp 15.0K

51.22%

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

$28.4K CA$39.9K

$23.8K Rp 433.3M

19.33%

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

$21.1K CA$29.6K

$31.7K Rp 577.0M

-33.59%

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

$128 CA$180

$79.1 Rp 1.4M

62.19%

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

$44.58 CA$62.6

$6.45 Rp 117.2K

591.16%

Internet (50+ Mbps, Unlimited Data)

$58.4 CA$82.0

$18.58 Rp 337.7K

214.48%

Gym Membership (Monthly)

$56.3 CA$78.9

$49.48 Rp 899.4K

13.68%

Tennis Court (1 Hour on Weekend)

$30.66 CA$43.03

$17.65 Rp 320.8K

73.71%

Cinema Ticket

$11.59 CA$16.27

$4.27 Rp 77.7K

171.43%

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

$1,054 CA$1,479

$491 Rp 8.9M

114.88%

International Primary School, 1 Child (Yearly)

$16.6K CA$23.3K

$5,674 Rp 103.1M

193.05%

Jeans (Levis 501 Or Similar)

$48.90 CA$68.6

$44.64 Rp 811.4K

9.54%

Summer Dress (H&M, Zara, etc)

$41.53 CA$58.3

$34.95 Rp 635.3K

18.83%

Sport Shoes (Adidas, Nike)

$84.9 CA$119

$79.9 Rp 1.5M

6.22%

Men's Leather Business Shoes

$98.1 CA$138

$79.4 Rp 1.4M

23.52%

1-bedroom Apartment, City Center (Monthly)

$1,395 CA$1,958

$1,125 Rp 20.4M

24.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,218 CA$1,710

$671 Rp 12.2M

81.44%

3-bedroom Apartment, City Center (Monthly)

$2,455 CA$3,446

$3,565 Rp 64.8M

-31.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,082 CA$2,921

$1,723 Rp 31.3M

20.80%

Buy Apartment in City Center (m2)

$4,160 CA$5,838

$2,732 Rp 49.6M

52.28%

Buy Apartment Outside City Center (m2)

$3,129 CA$4,391

$2,284 Rp 41.5M

37.00%

Average Monthly Net Salary (After Tax)

$3,093 CA$4,341

$164 Rp 3.0M

1787.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.69

13.78

-65.97%

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

Last update for Kelowna: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Kelowna

$1.2K 51.1%

Ubud, Bali

$672 49.8% 44.9% $547

Groceries & Markets

Kelowna

$397 16.6%

Ubud, Bali

$288 21.4% 27.3% $108

Eating Out

Kelowna

$266 11.1%

Ubud, Bali

$108 8% 59.5% $158

Monthly Utilities & Internet

Kelowna

$231 9.7%

Ubud, Bali

$104 7.7% 55% $127

Clothing & Footwear

Kelowna

$123 5.2%

Ubud, Bali

$108 8% 12.6% $16

Sport & Entertainment

Kelowna

$79 3.3%

Ubud, Bali

$58 4.3% 26.9% $21

Getting Around

Kelowna

$70 2.9%

Ubud, Bali

$11 0.9% 83.7% $59

Cost Breakdown

A one-bedroom apartment in the center runs $1,395 in Kelowna and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kelowna pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $58 in Kelowna vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $397 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇦 Kelowna

🇮🇩 Ubud, Bali

🕒 Local time

13:36 1:36 PM

04:36 4:36 AM

15 h ahead of Kelowna

🌤 Weather

👥 Population

144,576

74,800

💱 Currency

Canadian Dollar CAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CAD = 0.713 USD

1 CAD = 0.64 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 28, 2026: 1 USD = 1.4 CAD (1 CAD = 0.713 USD). 1 EUR = 1.56 CAD (1 CAD = 0.64 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 CAD in detail →

On the map

Lowest

Highest

Between locations

Kelowna Ubud, Bali 13,200 km ≈ 17 h nonstop flight

From you

Kelowna
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

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

Total monthly costs including rent come to $2,385 in Kelowna and $1,349 in Ubud, Bali, so Ubud, Bali is about 43% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Kelowna is about 19 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: $1,395 in Kelowna versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,385 per month in Kelowna versus $1,349 in Ubud, Bali – Ubud, Bali is about 43% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 84% less than in Kelowna. The price difference matters if you commute daily and watch your budget.

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.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Kelowna, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kelowna 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 43% less than in Kelowna. Beyond cost, consider language, visa policies, and how big the international community is in each city.