Last update: Oct 2026

Cost of Living Comparison Between Kirkuk and Ubud, Bali

For one person, living is cheaper in Kirkuk: $540 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

26

Cost of Living Index in Kirkuk
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Kirkuk Living Index
67

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

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Kirkuk

🇮🇶 Iraq

$540

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $540 in Kirkuk versus $1,368 in Ubud, Bali.

Kirkuk $540
Ubud, Bali $1,368

Estimated couple costs with rent: $868 in Kirkuk versus $2,314 in Ubud, Bali.

Kirkuk $868
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $1,197 in Kirkuk versus $3,260 in Ubud, Bali.

Kirkuk $1,197
Ubud, Bali $3,260

Living in Kirkuk costs roughly 60% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Kirkuk is 60% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$3.58 IQD 5,403

$3.33 Rp 59.8K

7.51%

Three-Course Dinner for Two, Mid-Range

$23.24 IQD 35.1K

$35.18 Rp 631.2K

-33.94%

Fast Food Meal (McDonalds, etc)

$5.40 IQD 8,162

$5.80 Rp 104.1K

-6.90%

Cappuccino

$2.46 IQD 3,716

$2.73 Rp 49.0K

-9.89%

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

$0.36 IQD 537

$1.64 Rp 29.4K

-78.05%

Water (0.33 liter bottle)

$0.16 IQD 238

$0.83 Rp 14.9K

-80.72%

Local Beer (0.5 liter draught)

$2.62 IQD 3,963

$2.70 Rp 48.4K

-2.96%

Imported Beer (0.33 liter bottle)

$3.37 IQD 5,087

$4.30 Rp 77.1K

-21.63%

Milk (1 liter)

$0.95 IQD 1,433

$1.50 Rp 27.0K

-36.67%

White Bread (500g)

$0.60 IQD 911

$2.30 Rp 41.2K

-73.91%

Rice (white) (1kg)

$1.31 IQD 1,984

$1.18 Rp 21.1K

11.02%

Eggs

$1.27 IQD 1,915

$2.14 Rp 38.5K

-40.65%

Local Cheese (1kg)

$3.42 IQD 5,160

$17.48 Rp 313.6K

-80.43%

Chicken Fillets (1kg)

$3.13 IQD 4,735

$4.03 Rp 72.3K

-22.33%

Beef Round Steak (1kg)

$11.18 IQD 16.9K

$12.23 Rp 219.4K

-8.59%

Apples (1kg)

$0.79 IQD 1,198

$3.55 Rp 63.7K

-77.75%

Banana (1kg)

$0.83 IQD 1,254

$1.57 Rp 28.2K

-47.13%

Oranges (1kg)

$0.80 IQD 1,209

$2.24 Rp 40.1K

-64.29%

Tomato (1kg)

$0.60 IQD 906

$1.93 Rp 34.6K

-68.91%

Potato (1kg)

$0.48 IQD 730

$1.88 Rp 33.8K

-74.47%

Onion (1kg)

$0.48 IQD 730

$2.29 Rp 41.1K

-79.04%

Lettuce (1 head)

$0.57 IQD 854

$0.99 Rp 17.8K

-42.42%

Water (1.5 liter bottle)

$0.32 IQD 477

$0.53 Rp 9,445

-39.62%

Cigarettes 20 Pack (Marlboro, Camel)

$1.61 IQD 2,430

$2.28 Rp 41.0K

-29.39%

Wine (Bottle)

$11.55 IQD 17.4K

$23.01 Rp 412.9K

-49.80%

Local Beer (0.5 liter bottle)

$1.29 IQD 1,950

$2.34 Rp 42.0K

-44.87%

Imported Beer (0.33 liter bottle)

$1.61 IQD 2,434

$2.91 Rp 52.2K

-44.67%

One-way Ticket (Public Transport)

$0.32 IQD 482

$0.24 Rp 4,301

33.33%

Public Transport Monthly Pass (Regular Price)

$20.32 IQD 30.7K

$8.82 Rp 158.2K

130.39%

Taxi Start (Normal Tariff)

$2.01 IQD 3,034

$0.48 Rp 8,657

318.75%

Taxi (Normal Tariff) (1km)

$1.34 IQD 2,028

$0.46 Rp 8,207

191.30%

Taxi 1hour Waiting (Normal Tariff)

$6.42 IQD 9,693

$5.45 Rp 97.9K

17.80%

Gasoline (1 liter)

$0.47 IQD 712

$0.88 Rp 15.9K

-46.59%

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

$16.7K IQD 25.3M

$24.6K Rp 440.8M

-31.84%

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

$16.4K IQD 24.8M

$31.2K Rp 559.6M

-47.28%

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

$51.6 IQD 78.0K

$83.0 Rp 1.5M

-37.81%

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

$17.64 IQD 26.6K

$6.45 Rp 115.7K

173.49%

Internet (50+ Mbps, Unlimited Data)

$36.97 IQD 55.9K

$18.57 Rp 333.1K

99.08%

Gym Membership (Monthly)

$9.82 IQD 14.8K

$55.8 Rp 1.0M

-82.41%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.9K

Cinema Ticket

$9.80 IQD 14.8K

$4.38 Rp 78.6K

123.74%

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

$143 IQD 215.9K

$493 Rp 8.8M

-71.02%

International Primary School, 1 Child (Yearly)

$2,984 IQD 4.5M

$5,754 Rp 103.2M

-48.14%

Jeans (Levis 501 Or Similar)

$25.27 IQD 38.2K

$46.19 Rp 828.8K

-45.29%

Summer Dress (H&M, Zara, etc)

$16.32 IQD 24.7K

$35.33 Rp 634.0K

-53.81%

Sport Shoes (Adidas, Nike)

$58.3 IQD 88.1K

$79.1 Rp 1.4M

-26.26%

Men's Leather Business Shoes

$29.54 IQD 44.6K

$78.4 Rp 1.4M

-62.32%

1-bedroom Apartment, City Center (Monthly)

$162 IQD 245.2K

$1,142 Rp 20.5M

-85.79%

1-bedroom Apartment, Outside City Center (Monthly)

$78.1 IQD 118.1K

$676 Rp 12.1M

-88.44%

3-bedroom Apartment, City Center (Monthly)

$198 IQD 299.8K

$3,503 Rp 62.9M

-94.34%

3-bedroom Apartment, Outside City Center (Monthly)

$201 IQD 304.3K

$1,700 Rp 30.5M

-88.15%

Buy Apartment in City Center (m2)

$490 IQD 740.7K

$2,784 Rp 50.0M

-82.39%

Buy Apartment Outside City Center (m2)

$259 IQD 391.8K

$2,241 Rp 40.2M

-88.43%

Average Monthly Net Salary (After Tax)

$379 IQD 572.3K

$165 Rp 3.0M

130.16%

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: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Kirkuk

$142 26.2%

Ubud, Bali

$290 21.2% 105% $149

Monthly Utilities & Internet

Kirkuk

$106 19.7%

Ubud, Bali

$108 7.9% 1.7% $1.8

Eating Out

Kirkuk

$96 17.8%

Ubud, Bali

$109 8% 13% $13

Accommodation & Living

Kirkuk

$78 14.5%

Ubud, Bali

$676 49.4% 765% $598

Clothing & Footwear

Kirkuk

$58 10.8%

Ubud, Bali

$108 7.9% 84.6% $49

Getting Around

Kirkuk

$30 5.6%

Ubud, Bali

$13 0.9% 58.6% $18

Sport & Entertainment

Kirkuk

$29 5.4%

Ubud, Bali

$65 4.7% 120% $35

Cost Breakdown

A one-bedroom apartment in the center runs $162 in Kirkuk and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 130% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Kirkuk vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $142 vs $290 per month, with Kirkuk cheaper across the board.

Good to know

🇮🇶 Kirkuk

🇮🇩 Ubud, Bali

🕒 Local time

06:38 6:38 AM

11:38 11:38 AM

5 h ahead of Kirkuk

🌤 Weather

👥 Population

850,787

74,800

💱 Currency

Iraqi Dinar IQD ع.د

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 IQD = 6.62 USD

10,000 IQD = 5.88 EUR

100,000 IDR = 5.57 USD

100,000 IDR = 4.95 EUR

Exchange rates and currency converter

IDR, USD, EUR to IQD – Iraqi Dinar Converter

🇺🇸 United States Dollar ($)

🇮🇶 Iraqi Dinar (ع.د)

Iraqi Dinar exchange rates as of October 17, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,701 IQD (10,000 IQD = 5.88 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,204 IDR (100,000 IDR = 4.95 EUR).

USD to IQD in detail →

On the map

Lowest

Highest

Between locations

Kirkuk Ubud, Bali 8,870 km ≈ 12 h nonstop flight

From you

Kirkuk
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

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

Kirkuk is cheaper overall, especially in groceries, eating out, and clothing. The 153% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 130% 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: $162 in Kirkuk versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $143 in Kirkuk versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 105% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $540 in Kirkuk versus $1,368 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 153% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.