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

Monthly Cost of Living

Monthly costs for one person with rent: $2,446 in Kelowna versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $3,583 in Kelowna versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,720 in Kelowna versus $3,763 in Ubud, Bali.

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

Both cities are pricier than the global median: Kelowna 83% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$18.60 CA$26.08

$3.45 Rp 62.0K

439.13%

Three-Course Dinner for Two, Mid-Range

$66.1 CA$92.7

$32.34 Rp 580.1K

104.39%

Fast Food Meal (McDonalds, etc)

$10.98 CA$15.39

$4.84 Rp 86.9K

126.86%

Cappuccino

$4.23 CA$5.94

$2.75 Rp 49.3K

53.82%

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

$2.13 CA$2.98

$1.38 Rp 24.8K

54.35%

Water (0.33 liter bottle)

$1.71 CA$2.39

$0.75 Rp 13.5K

128.00%

Local Beer (0.5 liter draught)

$5.91 CA$8.28

$2.99 Rp 53.7K

97.66%

Imported Beer (0.33 liter bottle)

$6.43 CA$9.01

$3.85 Rp 69.1K

67.01%

Milk (1 liter)

$1.99 CA$2.78

$1.74 Rp 31.1K

14.37%

White Bread (500g)

$3.11 CA$4.36

$2.46 Rp 44.1K

26.42%

Rice (white) (1kg)

$3.15 CA$4.41

$1.17 Rp 21.0K

169.23%

Eggs

$3.75 CA$5.26

$2.43 Rp 43.6K

54.32%

Local Cheese (1kg)

$11.07 CA$15.53

$14.50 Rp 260.2K

-23.66%

Chicken Fillets (1kg)

$15.22 CA$21.34

$4.35 Rp 78.0K

249.89%

Beef Round Steak (1kg)

$20.18 CA$28.29

$11.98 Rp 214.9K

68.45%

Apples (1kg)

$3.73 CA$5.23

$3.72 Rp 66.7K

0.27%

Banana (1kg)

$1.41 CA$1.98

$1.63 Rp 29.2K

-13.50%

Oranges (1kg)

$3.79 CA$5.31

$2.74 Rp 49.2K

38.32%

Tomato (1kg)

$3.97 CA$5.56

$2.24 Rp 40.2K

77.23%

Potato (1kg)

$2.51 CA$3.52

$1.92 Rp 34.4K

30.73%

Onion (1kg)

$2.87 CA$4.03

$2.28 Rp 40.8K

25.88%

Lettuce (1 head)

$2.71 CA$3.80

$1.06 Rp 19.1K

155.66%

Water (1.5 liter bottle)

$1.84 CA$2.59

$0.72 Rp 12.9K

155.56%

Cigarettes 20 Pack (Marlboro, Camel)

$14.51 CA$20.34

$3.29 Rp 58.9K

341.03%

Wine (Bottle)

$13.54 CA$18.99

$23.19 Rp 416.1K

-41.61%

Local Beer (0.5 liter bottle)

$2.36 CA$3.30

$2.78 Rp 49.8K

-15.11%

Imported Beer (0.33 liter bottle)

$3.06 CA$4.29

$2.73 Rp 49.0K

12.09%

One-way Ticket (Public Transport)

$1.80 CA$2.52

$0.27 Rp 4,778

566.67%

Public Transport Monthly Pass (Regular Price)

$52.4 CA$73.4

$8.11 Rp 145.4K

545.50%

Taxi Start (Normal Tariff)

$2.90 CA$4.07

$0.48 Rp 8,659

504.17%

Taxi (Normal Tariff) (1km)

$1.71 CA$2.39

$0.42 Rp 7,532

307.14%

Taxi 1hour Waiting (Normal Tariff)

$35.79 CA$50.2

$6.22 Rp 111.6K

475.40%

Gasoline (1 liter)

$1.25 CA$1.75

$0.81 Rp 14.6K

54.32%

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

$25.3K CA$35.5K

$26.6K Rp 477.4M

-4.74%

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

$20.2K CA$28.3K

$32.2K Rp 577.4M

-37.30%

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

$141 CA$198

$78.4 Rp 1.4M

80.14%

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

$51.9 CA$72.8

$4.07 Rp 73.0K

1176.17%

Internet (50+ Mbps, Unlimited Data)

$66.1 CA$92.6

$24.33 Rp 436.4K

171.56%

Gym Membership (Monthly)

$44.44 CA$62.3

$98.6 Rp 1.8M

-54.93%

Tennis Court (1 Hour on Weekend)

$31.58 CA$44.27

$6.34 Rp 113.7K

398.11%

Cinema Ticket

$11.58 CA$16.24

$3.99 Rp 71.5K

190.23%

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

$1,086 CA$1,523

$305 Rp 5.5M

256.19%

International Primary School, 1 Child (Yearly)

$16.6K CA$23.3K

$6,642 Rp 119.2M

150.09%

Jeans (Levis 501 Or Similar)

$51.5 CA$72.2

$54.1 Rp 971.2K

-4.89%

Summer Dress (H&M, Zara, etc)

$39.83 CA$55.8

$37.81 Rp 678.2K

5.34%

Sport Shoes (Adidas, Nike)

$85.6 CA$120

$86.8 Rp 1.6M

-1.47%

Men's Leather Business Shoes

$129 CA$181

$76.4 Rp 1.4M

69.18%

1-bedroom Apartment, City Center (Monthly)

$1,389 CA$1,947

$992 Rp 17.8M

40.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,201 CA$1,684

$673 Rp 12.1M

78.58%

3-bedroom Apartment, City Center (Monthly)

$2,229 CA$3,124

$3,375 Rp 60.5M

-33.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,979 CA$2,774

$2,050 Rp 36.8M

-3.49%

Buy Apartment in City Center (m2)

$3,942 CA$5,527

$2,805 Rp 50.3M

40.55%

Buy Apartment Outside City Center (m2)

$3,230 CA$4,529

$2,227 Rp 39.9M

45.06%

Average Monthly Net Salary (After Tax)

$2,953 CA$4,141

$167 Rp 3.0M

1668.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.53

13.28

-50.83%

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

Last update for Kelowna: July 13, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,389 in Kelowna and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kelowna pays 1669% 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: $66.0 in Kelowna vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $402 vs $297 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

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

Kelowna and Ubud, Bali differ by about 74% in total monthly costs ($2,446 vs $1,408 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1669% higher in Kelowna, 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: $1,389 in Kelowna versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,446 per month in Kelowna versus $1,408 in Ubud, Bali – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 545% less than in Kelowna. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,408 in Ubud, Bali versus $2,446 in Kelowna, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kelowna. 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, Kelowna 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 Kelowna. Beyond cost, consider language, visa policies, and how big the international community is in each city.