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

Monthly Cost of Living

Monthly costs for one person with rent: $633 in Kirkuk versus $1,379 in Ubud, Bali.

Estimated couple costs with rent: $1,003 in Kirkuk versus $2,363 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,372 in Kirkuk versus $3,347 in Ubud, Bali.

Living in Kirkuk costs roughly 54% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Kirkuk is 54% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$4.24 IQD 5,549

$3.31 Rp 58.9K

28.10%

Three-Course Dinner for Two, Mid-Range

$26.63 IQD 34.9K

$39.08 Rp 694.5K

-31.86%

Fast Food Meal (McDonalds, etc)

$6.13 IQD 8,030

$5.62 Rp 99.8K

9.07%

Cappuccino

$2.36 IQD 3,090

$2.64 Rp 46.9K

-10.61%

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

$0.39 IQD 514

$1.58 Rp 28.2K

-75.32%

Water (0.33 liter bottle)

$0.23 IQD 299

$0.71 Rp 12.6K

-67.61%

Local Beer (0.5 liter draught)

$3.71 IQD 4,864

$2.73 Rp 48.5K

35.90%

Imported Beer (0.33 liter bottle)

$3.76 IQD 4,924

$4.32 Rp 76.8K

-12.96%

Milk (1 liter)

$1.06 IQD 1,387

$1.54 Rp 27.4K

-31.17%

White Bread (500g)

$0.69 IQD 899

$2.30 Rp 40.8K

-70.00%

Rice (white) (1kg)

$1.52 IQD 1,994

$1.03 Rp 18.3K

47.57%

Eggs

$1.46 IQD 1,914

$2.12 Rp 37.7K

-31.13%

Local Cheese (1kg)

$3.79 IQD 4,963

$17.30 Rp 307.5K

-78.09%

Chicken Fillets (1kg)

$3.58 IQD 4,682

$4.03 Rp 71.6K

-11.17%

Beef Round Steak (1kg)

$13.17 IQD 17.2K

$12.42 Rp 220.8K

6.04%

Apples (1kg)

$0.87 IQD 1,136

$3.70 Rp 65.7K

-76.49%

Banana (1kg)

$0.99 IQD 1,301

$1.62 Rp 28.7K

-38.89%

Oranges (1kg)

$0.88 IQD 1,153

$2.27 Rp 40.3K

-61.23%

Tomato (1kg)

$0.65 IQD 846

$1.99 Rp 35.4K

-67.34%

Potato (1kg)

$0.54 IQD 711

$1.83 Rp 32.5K

-70.49%

Onion (1kg)

$0.54 IQD 712

$2.25 Rp 40.1K

-76.00%

Lettuce (1 head)

$0.62 IQD 806

$1.04 Rp 18.6K

-40.38%

Water (1.5 liter bottle)

$0.32 IQD 415

$0.56 Rp 10.0K

-42.86%

Cigarettes 20 Pack (Marlboro, Camel)

$1.95 IQD 2,559

$2.22 Rp 39.5K

-12.16%

Wine (Bottle)

$13.70 IQD 17.9K

$23.22 Rp 412.7K

-41.00%

Local Beer (0.5 liter bottle)

$1.57 IQD 2,052

$2.39 Rp 42.5K

-34.31%

Imported Beer (0.33 liter bottle)

$1.92 IQD 2,514

$2.87 Rp 51.1K

-33.10%

One-way Ticket (Public Transport)

$0.39 IQD 516

$0.25 Rp 4,416

56.00%

Public Transport Monthly Pass (Regular Price)

$22.90 IQD 30.0K

$7.17 Rp 127.4K

219.39%

Taxi Start (Normal Tariff)

$2.34 IQD 3,069

$0.46 Rp 8,163

408.70%

Taxi (Normal Tariff) (1km)

$1.54 IQD 2,018

$0.46 Rp 8,235

234.78%

Taxi 1hour Waiting (Normal Tariff)

$7.73 IQD 10.1K

$5.70 Rp 101.2K

35.61%

Gasoline (1 liter)

$0.54 IQD 705

$0.76 Rp 13.6K

-28.95%

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

$19.4K IQD 25.3M

$24.6K Rp 436.7M

-21.23%

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

$19.5K IQD 25.5M

$31.0K Rp 551.5M

-37.26%

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

$55.5 IQD 72.6K

$82.2 Rp 1.5M

-32.51%

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

$20.76 IQD 27.2K

$6.33 Rp 112.5K

227.96%

Internet (50+ Mbps, Unlimited Data)

$42.77 IQD 56.0K

$18.54 Rp 329.6K

130.69%

Gym Membership (Monthly)

$11.52 IQD 15.1K

$56.1 Rp 996.2K

-79.45%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$10.53 IQD 13.8K

$4.26 Rp 75.8K

147.18%

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

$169 IQD 221.0K

$489 Rp 8.7M

-65.50%

International Primary School, 1 Child (Yearly)

$3,527 IQD 4.6M

$5,793 Rp 103.0M

-39.12%

Jeans (Levis 501 Or Similar)

$32.47 IQD 42.5K

$45.98 Rp 817.3K

-29.38%

Summer Dress (H&M, Zara, etc)

$18.75 IQD 24.6K

$35.86 Rp 637.4K

-47.71%

Sport Shoes (Adidas, Nike)

$76.1 IQD 99.6K

$79.5 Rp 1.4M

-4.33%

Men's Leather Business Shoes

$34.20 IQD 44.8K

$80.9 Rp 1.4M

-57.74%

1-bedroom Apartment, City Center (Monthly)

$192 IQD 251.8K

$1,144 Rp 20.3M

-83.19%

1-bedroom Apartment, Outside City Center (Monthly)

$90.7 IQD 118.7K

$692 Rp 12.3M

-86.90%

3-bedroom Apartment, City Center (Monthly)

$230 IQD 301.1K

$3,532 Rp 62.8M

-93.49%

3-bedroom Apartment, Outside City Center (Monthly)

$232 IQD 304.2K

$1,709 Rp 30.4M

-86.41%

Buy Apartment in City Center (m2)

$570 IQD 745.9K

$2,785 Rp 49.5M

-79.54%

Buy Apartment Outside City Center (m2)

$301 IQD 394.5K

$2,261 Rp 40.2M

-86.68%

Average Monthly Net Salary (After Tax)

$432 IQD 565.7K

$169 Rp 3.0M

155.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.12

13.78

-70.10%

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

Last update for Kirkuk: August 16, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $192 in Kirkuk and $1,144 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 155% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $27.00 in Kirkuk vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $163 vs $293 per month, with Kirkuk 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

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

Kirkuk is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Sport & Entertainment. The 118% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 155% higher in Kirkuk, 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: $192 in Kirkuk versus $1,144 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $169 in Kirkuk versus $489 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 79% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $633 in Kirkuk versus $1,379 in Ubud, Bali, a $1,500 budget is realistic in Kirkuk but tight or insufficient in Ubud, Bali. The gap between the two cities makes Kirkuk the clear choice for anyone on this budget.

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

Safety-wise, Kirkuk 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 Kirkuk gentler on the wallet – expenses run 118% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.