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: $609 in Kirkuk versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $960 in Kirkuk versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,311 in Kirkuk versus $3,694 in Ubud, Bali.

Living in Kirkuk costs roughly 57% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Kirkuk is 55% below, Ubud, Bali is 4% above.

Meal at Budget Restaurant

$3.80 IQD 4,974

$3.57 Rp 64.0K

6.44%

Three-Course Dinner for Two, Mid-Range

$25.74 IQD 33.7K

$32.50 Rp 582.3K

-20.80%

Fast Food Meal (McDonalds, etc)

$5.76 IQD 7,540

$4.86 Rp 87.1K

18.52%

Cappuccino

$2.34 IQD 3,064

$2.75 Rp 49.2K

-14.91%

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

$0.39 IQD 512

$1.32 Rp 23.7K

-70.45%

Water (0.33 liter bottle)

$0.18 IQD 235

$0.70 Rp 12.6K

-74.29%

Local Beer (0.5 liter draught)

$3.41 IQD 4,468

$2.91 Rp 52.2K

17.18%

Imported Beer (0.33 liter bottle)

$2.89 IQD 3,782

$3.79 Rp 68.0K

-23.75%

Milk (1 liter)

$1.14 IQD 1,498

$1.71 Rp 30.6K

-33.33%

White Bread (500g)

$0.61 IQD 796

$2.47 Rp 44.3K

-75.30%

Rice (white) (1kg)

$1.67 IQD 2,182

$1.20 Rp 21.5K

39.17%

Eggs

$1.48 IQD 1,941

$2.44 Rp 43.8K

-39.34%

Local Cheese (1kg)

$4.58 IQD 5,997

$14.38 Rp 257.7K

-68.15%

Chicken Fillets (1kg)

$2.85 IQD 3,727

$4.31 Rp 77.1K

-33.87%

Beef Round Steak (1kg)

$10.79 IQD 14.1K

$12.21 Rp 218.7K

-11.63%

Apples (1kg)

$0.90 IQD 1,180

$3.68 Rp 66.0K

-75.54%

Banana (1kg)

$1.02 IQD 1,334

$1.55 Rp 27.8K

-34.19%

Oranges (1kg)

$0.99 IQD 1,296

$2.79 Rp 49.9K

-64.52%

Tomato (1kg)

$0.64 IQD 843

$2.33 Rp 41.8K

-72.53%

Potato (1kg)

$0.49 IQD 643

$1.97 Rp 35.3K

-75.13%

Onion (1kg)

$0.50 IQD 651

$2.31 Rp 41.4K

-78.35%

Lettuce (1 head)

$0.63 IQD 830

$1.06 Rp 19.1K

-40.57%

Water (1.5 liter bottle)

$0.31 IQD 401

$0.73 Rp 13.1K

-57.53%

Cigarettes 20 Pack (Marlboro, Camel)

$1.86 IQD 2,440

$3.28 Rp 58.8K

-43.29%

Wine (Bottle)

$13.54 IQD 17.7K

$22.79 Rp 408.4K

-40.59%

Local Beer (0.5 liter bottle)

$1.76 IQD 2,311

$2.81 Rp 50.3K

-37.37%

Imported Beer (0.33 liter bottle)

$2.11 IQD 2,760

$2.78 Rp 49.9K

-24.10%

One-way Ticket (Public Transport)

$0.56 IQD 727

$0.29 Rp 5,217

93.10%

Public Transport Monthly Pass (Regular Price)

$31.66 IQD 41.5K

$8.06 Rp 144.4K

292.80%

Taxi Start (Normal Tariff)

$2.93 IQD 3,832

$0.45 Rp 8,047

551.11%

Taxi (Normal Tariff) (1km)

$1.11 IQD 1,451

$0.45 Rp 8,094

146.67%

Taxi 1hour Waiting (Normal Tariff)

$7.64 IQD 10.0K

$6.24 Rp 111.7K

22.44%

Gasoline (1 liter)

$0.53 IQD 697

$0.85 Rp 15.2K

-37.65%

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

$20.4K IQD 26.7M

$26.0K Rp 465.4M

-21.55%

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

$20.3K IQD 26.6M

$31.7K Rp 567.2M

-35.94%

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

$52.7 IQD 69.0K

$80.8 Rp 1.4M

-34.75%

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

$23.40 IQD 30.6K

$4.06 Rp 72.7K

476.35%

Internet (50+ Mbps, Unlimited Data)

$38.76 IQD 50.8K

$24.42 Rp 437.6K

58.72%

Gym Membership (Monthly)

$14.67 IQD 19.2K

$97.7 Rp 1.7M

-84.98%

Tennis Court (1 Hour on Weekend)

$17.09 IQD 22.4K

$6.45 Rp 115.5K

164.96%

Cinema Ticket

$7.50 IQD 9,819

$4.04 Rp 72.4K

85.64%

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

$58.8 IQD 77.0K

$304 Rp 5.4M

-80.67%

International Primary School, 1 Child (Yearly)

$780 IQD 1.0M

$6,621 Rp 118.6M

-88.22%

Jeans (Levis 501 Or Similar)

$28.28 IQD 37.0K

$54.2 Rp 971.7K

-47.85%

Summer Dress (H&M, Zara, etc)

$30.17 IQD 39.5K

$38.78 Rp 694.7K

-22.20%

Sport Shoes (Adidas, Nike)

$23.14 IQD 30.3K

$86.1 Rp 1.5M

-73.14%

Men's Leather Business Shoes

$14.72 IQD 19.3K

$76.7 Rp 1.4M

-80.80%

1-bedroom Apartment, City Center (Monthly)

$73.8 IQD 96.7K

$986 Rp 17.7M

-92.51%

1-bedroom Apartment, Outside City Center (Monthly)

$109 IQD 142.1K

$658 Rp 11.8M

-83.50%

3-bedroom Apartment, City Center (Monthly)

$113 IQD 147.8K

$3,369 Rp 60.4M

-96.65%

3-bedroom Apartment, Outside City Center (Monthly)

$252 IQD 329.5K

$2,066 Rp 37.0M

-87.82%

Buy Apartment in City Center (m2)

$866 IQD 1.1M

$2,741 Rp 49.1M

-68.40%

Buy Apartment Outside City Center (m2)

$398 IQD 520.7K

$2,228 Rp 39.9M

-82.15%

Average Monthly Net Salary (After Tax)

$631 IQD 826.1K

$163 Rp 2.9M

286.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.67

13.28

-57.30%

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

Last update for Kirkuk: June 6, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $73.8 in Kirkuk and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 286% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $26.00 in Kirkuk vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $157 vs $297 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, Eating Out, Clothing & Footwear, Sport & Entertainment. The 130% gap adds up to real monthly savings that compound significantly over time.

Kirkuk pays 286% more on average, 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: $73.8 in Kirkuk versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $58.8 in Kirkuk versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 89% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $609 in Kirkuk versus $1,404 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 130% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.