Last update: Oct 2026

Cost of Living Comparison Between Kiel and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,996 in Kiel, rent and utilities included – about $7,800 less a year. Other living expenses account for most of the difference.

96

Cost of Living Index in Kiel
Learn more

Kiel Living Index
66

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Kiel

🇩🇪 Germany

$1,996

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,996 in Kiel versus $1,348 in Ubud, Bali.

Kiel $1,996
Ubud, Bali $1,348

Estimated couple costs with rent: $3,036 in Kiel versus $2,312 in Ubud, Bali.

Kiel $3,036
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,075 in Kiel versus $3,276 in Ubud, Bali.

Kiel $4,075
Ubud, Bali $3,276

Living in Kiel is roughly 48% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Kiel 49% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$16.52 €14.74

$3.33 Rp 59.6K

396.10%

Three-Course Dinner for Two, Mid-Range

$83.5 €74.5

$35.42 Rp 633.1K

135.77%

Fast Food Meal (McDonalds, etc)

$12.55 €11.20

$5.76 Rp 102.9K

117.88%

Cappuccino

$3.94 €3.51

$2.63 Rp 47.0K

49.81%

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

$3.87 €3.45

$1.74 Rp 31.0K

122.41%

Water (0.33 liter bottle)

$3.30 €2.95

$0.77 Rp 13.8K

328.57%

Local Beer (0.5 liter draught)

$5.69 €5.08

$2.71 Rp 48.4K

109.96%

Imported Beer (0.33 liter bottle)

$4.52 €4.03

$4.52 Rp 80.8K

Milk (1 liter)

$1.23 €1.10

$1.53 Rp 27.4K

-19.61%

White Bread (500g)

$2.63 €2.34

$2.20 Rp 39.2K

19.55%

Rice (white) (1kg)

$3.27 €2.92

$1.22 Rp 21.8K

168.03%

Eggs

$4.02 €3.58

$2.14 Rp 38.2K

87.85%

Local Cheese (1kg)

$16.04 €14.32

$17.73 Rp 316.9K

-9.53%

Chicken Fillets (1kg)

$12.40 €11.07

$3.86 Rp 68.9K

221.24%

Beef Round Steak (1kg)

$26.79 €23.91

$12.03 Rp 215.0K

122.69%

Apples (1kg)

$3.10 €2.77

$3.61 Rp 64.5K

-14.13%

Banana (1kg)

$2.15 €1.92

$1.51 Rp 27.1K

42.38%

Oranges (1kg)

$2.33 €2.08

$2.32 Rp 41.4K

0.43%

Tomato (1kg)

$3.53 €3.15

$2.00 Rp 35.8K

76.50%

Potato (1kg)

$1.53 €1.37

$1.81 Rp 32.4K

-15.47%

Onion (1kg)

$1.29 €1.15

$2.39 Rp 42.7K

-46.03%

Lettuce (1 head)

$1.74 €1.55

$0.99 Rp 17.8K

75.76%

Water (1.5 liter bottle)

$0.85 €0.76

$0.52 Rp 9,373

63.46%

Cigarettes 20 Pack (Marlboro, Camel)

$10.43 €9.31

$2.18 Rp 39.0K

378.44%

Wine (Bottle)

$6.21 €5.54

$22.98 Rp 410.7K

-72.98%

Local Beer (0.5 liter bottle)

$1.09 €0.98

$2.40 Rp 42.8K

-54.58%

Imported Beer (0.33 liter bottle)

$1.54 €1.38

$3.00 Rp 53.6K

-48.67%

One-way Ticket (Public Transport)

$2.97 €2.65

$0.24 Rp 4,255

1137.50%

Public Transport Monthly Pass (Regular Price)

$69.9 €62.4

$6.99 Rp 125.0K

900.29%

Taxi Start (Normal Tariff)

$3.91 €3.49

$0.44 Rp 7,876

788.64%

Taxi (Normal Tariff) (1km)

$2.27 €2.03

$0.42 Rp 7,582

440.48%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

Gasoline (1 liter)

$2.22 €1.98

$0.84 Rp 15.1K

164.29%

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

$33.3K €29.7K

$24.3K Rp 434.8M

36.88%

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

$37.8K €33.7K

$31.9K Rp 570.0M

18.53%

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

$298 €266

$80.8 Rp 1.4M

268.53%

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

$22.89 €20.43

$6.58 Rp 117.6K

247.87%

Internet (50+ Mbps, Unlimited Data)

$49.10 €43.81

$18.24 Rp 326.1K

169.19%

Gym Membership (Monthly)

$40.89 €36.49

$55.1 Rp 985.4K

-25.83%

Tennis Court (1 Hour on Weekend)

$45.31 €40.43

$18.51 Rp 330.9K

144.79%

Cinema Ticket

$13.23 €11.81

$4.24 Rp 75.9K

212.03%

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

$295 €263

$486 Rp 8.7M

-39.29%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

Jeans (Levis 501 Or Similar)

$76.7 €68.4

$45.18 Rp 807.6K

69.70%

Summer Dress (H&M, Zara, etc)

$69.7 €62.2

$34.57 Rp 617.9K

101.48%

Sport Shoes (Adidas, Nike)

$101 €89.7

$79.2 Rp 1.4M

26.99%

Men's Leather Business Shoes

$114 €102

$77.6 Rp 1.4M

46.52%

1-bedroom Apartment, City Center (Monthly)

$710 €634

$1,127 Rp 20.1M

-36.99%

1-bedroom Apartment, Outside City Center (Monthly)

$644 €575

$674 Rp 12.1M

-4.45%

3-bedroom Apartment, City Center (Monthly)

$1,471 €1,312

$3,618 Rp 64.7M

-59.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,037 €925

$1,735 Rp 31.0M

-40.24%

Buy Apartment in City Center (m2)

$5,322 €4,749

$2,829 Rp 50.6M

88.13%

Buy Apartment Outside City Center (m2)

$2,829 €2,524

$2,307 Rp 41.2M

22.63%

Average Monthly Net Salary (After Tax)

$3,251 €2,901

$166 Rp 3.0M

1861.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.95

13.78

-71.34%

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

Last update for Kiel: October 6, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Kiel

$644 32.5%

Ubud, Bali

$674 49.6% 4.7% $30

Monthly Utilities & Internet

Kiel

$370 18.7%

Ubud, Bali

$106 7.8% 71.4% $264

Groceries & Markets

Kiel

$359 18.1%

Ubud, Bali

$290 21.4% 19.2% $69

Eating Out

Kiel

$283 14.3%

Ubud, Bali

$108 8% 61.8% $175

Clothing & Footwear

Kiel

$162 8.2%

Ubud, Bali

$106 7.8% 34.4% $56

Getting Around

Kiel

$97 4.9%

Ubud, Bali

$11 0.8% 89.2% $87

Sport & Entertainment

Kiel

$67 3.4%

Ubud, Bali

$64 4.7% 5.6% $3.7

Cost Breakdown

A one-bedroom apartment in the center runs $710 in Kiel and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kiel pays 1862% 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: $84.0 in Kiel vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $359 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇩🇪 Kiel

🇮🇩 Ubud, Bali

🕒 Local time

09:36 9:36 AM

15:36 3:36 PM

6 h ahead of Kiel

🌤 Weather

👥 Population

246,306

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Kiel Ubud, Bali 11,750 km ≈ 15 h nonstop flight

From you

Kiel
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 48% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1862% higher in Kiel, 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: $710 in Kiel versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 24% higher in Kiel. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $84.0 in Kiel. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,348 in Ubud, Bali versus $1,996 in Kiel, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kiel. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Kiel 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 48% less than in Kiel. Beyond cost, consider language, visa policies, and how big the international community is in each city.