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: $591 in Kirkuk versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $947 in Kirkuk versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,303 in Kirkuk versus $3,732 in Ubud, Bali.

Living in Kirkuk costs roughly 59% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Kirkuk is 56% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$3.74 IQD 4,903

$3.57 Rp 61.6K

4.76%

Three-Course Dinner for Two, Mid-Range

$25.51 IQD 33.4K

$32.58 Rp 562.6K

-21.70%

Fast Food Meal (McDonalds, etc)

$5.59 IQD 7,320

$5.07 Rp 87.5K

10.26%

Cappuccino

$2.26 IQD 2,966

$2.83 Rp 48.8K

-20.14%

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

$0.36 IQD 478

$1.34 Rp 23.1K

-73.13%

Water (0.33 liter bottle)

$0.21 IQD 269

$0.69 Rp 12.0K

-69.57%

Local Beer (0.5 liter draught)

$3.38 IQD 4,430

$2.99 Rp 51.6K

13.04%

Imported Beer (0.33 liter bottle)

$2.89 IQD 3,779

$3.85 Rp 66.4K

-24.94%

Milk (1 liter)

$1.15 IQD 1,506

$1.74 Rp 30.1K

-33.91%

White Bread (500g)

$0.61 IQD 804

$2.54 Rp 43.8K

-75.98%

Rice (white) (1kg)

$1.58 IQD 2,065

$1.19 Rp 20.6K

32.77%

Eggs

$1.45 IQD 1,895

$2.43 Rp 41.9K

-40.33%

Local Cheese (1kg)

$4.37 IQD 5,721

$14.66 Rp 253.2K

-70.19%

Chicken Fillets (1kg)

$2.84 IQD 3,714

$4.18 Rp 72.1K

-32.06%

Beef Round Steak (1kg)

$11.15 IQD 14.6K

$11.94 Rp 206.1K

-6.62%

Apples (1kg)

$0.92 IQD 1,205

$3.69 Rp 63.6K

-75.07%

Banana (1kg)

$1.07 IQD 1,397

$1.61 Rp 27.7K

-33.54%

Oranges (1kg)

$1.03 IQD 1,347

$2.69 Rp 46.4K

-61.71%

Tomato (1kg)

$0.59 IQD 777

$2.33 Rp 40.2K

-74.68%

Potato (1kg)

$0.50 IQD 653

$1.91 Rp 32.9K

-73.82%

Onion (1kg)

$0.50 IQD 661

$2.19 Rp 37.7K

-77.17%

Lettuce (1 head)

$0.63 IQD 826

$1.06 Rp 18.3K

-40.57%

Water (1.5 liter bottle)

$0.33 IQD 434

$0.72 Rp 12.5K

-54.17%

Cigarettes 20 Pack (Marlboro, Camel)

$1.86 IQD 2,438

$3.13 Rp 54.1K

-40.58%

Wine (Bottle)

$13.35 IQD 17.5K

$23.49 Rp 405.6K

-43.17%

Local Beer (0.5 liter bottle)

$1.83 IQD 2,393

$2.74 Rp 47.3K

-33.21%

Imported Beer (0.33 liter bottle)

$2.11 IQD 2,763

$2.88 Rp 49.7K

-26.74%

One-way Ticket (Public Transport)

$0.53 IQD 691

$0.29 Rp 5,010

82.76%

Public Transport Monthly Pass (Regular Price)

$31.69 IQD 41.5K

$8.17 Rp 141.0K

287.88%

Taxi Start (Normal Tariff)

$2.92 IQD 3,821

$0.45 Rp 7,834

548.89%

Taxi (Normal Tariff) (1km)

$1.15 IQD 1,508

$0.42 Rp 7,278

173.81%

Taxi 1hour Waiting (Normal Tariff)

$7.69 IQD 10.1K

$6.16 Rp 106.3K

24.84%

Gasoline (1 liter)

$0.54 IQD 706

$0.84 Rp 14.5K

-35.71%

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

$20.4K IQD 26.7M

$26.2K Rp 453.1M

-22.41%

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

$20.2K IQD 26.4M

$32.5K Rp 560.8M

-37.93%

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

$53.3 IQD 69.8K

$78.4 Rp 1.4M

-32.03%

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

$22.83 IQD 29.9K

$3.95 Rp 68.2K

477.97%

Internet (50+ Mbps, Unlimited Data)

$38.06 IQD 49.9K

$24.40 Rp 421.4K

55.98%

Gym Membership (Monthly)

$14.76 IQD 19.3K

$96.5 Rp 1.7M

-84.71%

Tennis Court (1 Hour on Weekend)

$16.50 IQD 21.6K

$6.35 Rp 109.6K

159.84%

Cinema Ticket

$7.66 IQD 10.0K

$4.04 Rp 69.7K

89.60%

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

$58.0 IQD 75.9K

$303 Rp 5.2M

-80.84%

International Primary School, 1 Child (Yearly)

$788 IQD 1.0M

$6,523 Rp 112.6M

-87.93%

Jeans (Levis 501 Or Similar)

$28.59 IQD 37.5K

$53.8 Rp 929.5K

-46.90%

Summer Dress (H&M, Zara, etc)

$30.57 IQD 40.0K

$37.98 Rp 655.8K

-19.51%

Sport Shoes (Adidas, Nike)

$23.18 IQD 30.4K

$86.8 Rp 1.5M

-73.28%

Men's Leather Business Shoes

$15.28 IQD 20.0K

$78.9 Rp 1.4M

-80.62%

1-bedroom Apartment, City Center (Monthly)

$73.9 IQD 96.8K

$1,012 Rp 17.5M

-92.70%

1-bedroom Apartment, Outside City Center (Monthly)

$108 IQD 141.7K

$674 Rp 11.6M

-83.96%

3-bedroom Apartment, City Center (Monthly)

$116 IQD 152.2K

$3,390 Rp 58.5M

-96.57%

3-bedroom Apartment, Outside City Center (Monthly)

$249 IQD 325.5K

$2,098 Rp 36.2M

-88.16%

Buy Apartment in City Center (m2)

$887 IQD 1.2M

$2,985 Rp 51.5M

-70.27%

Buy Apartment Outside City Center (m2)

$406 IQD 531.3K

$2,339 Rp 40.4M

-82.66%

Average Monthly Net Salary (After Tax)

$636 IQD 832.8K

$173 Rp 3.0M

267.25%

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: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $73.9 in Kirkuk and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 267% 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 $158 vs $298 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 144% gap adds up to real monthly savings that compound significantly over time.

Kirkuk pays 267% 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: $73.9 in Kirkuk versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $58.0 in Kirkuk versus $303 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 $591 in Kirkuk versus $1,438 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 144% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.