Last update: Oct 2026

Cost of Living Comparison Between Kocaeli and Ubud, Bali

For one person, living is cheaper in Kocaeli: $1,250 a month against $1,368 in Ubud, Bali, rent and utilities included – about $1,400 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

60

Cost of Living Index in Kocaeli
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Kocaeli Living Index
67

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

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Kocaeli

🇹🇷 Turkey

$1,250

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,250 per month in Kocaeli vs $1,368 in Ubud, Bali, rent included.

Kocaeli $1,250
Ubud, Bali $1,368

A couple spends around $1,771 per month in Kocaeli vs $2,314 in Ubud, Bali, rent included.

Kocaeli $1,771
Ubud, Bali $2,314

A family of three spends $2,291 per month in Kocaeli vs $3,260 in Ubud, Bali, rent included.

Kocaeli $2,291
Ubud, Bali $3,260

Kocaeli is about 9% cheaper than Ubud, Bali, and outside of rent the biggest gap is in transport.

Kocaeli sits 7% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.14 ₺403

$3.33 Rp 59.9K

144.44%

Three-Course Dinner for Two, Mid-Range

$30.28 ₺1,499

$35.18 Rp 633.2K

-13.93%

Fast Food Meal (McDonalds, etc)

$8.02 ₺397

$5.80 Rp 104.5K

38.28%

Cappuccino

$3.46 ₺172

$2.73 Rp 49.1K

26.74%

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

$1.13 ₺56.0

$1.64 Rp 29.5K

-31.10%

Water (0.33 liter bottle)

$0.31 ₺15.55

$0.83 Rp 15.0K

-62.65%

Local Beer (0.5 liter draught)

$2.54 ₺126

$2.70 Rp 48.6K

-5.93%

Imported Beer (0.33 liter bottle)

$2.83 ₺140

$4.30 Rp 77.4K

-34.19%

Milk (1 liter)

$0.92 ₺45.54

$1.50 Rp 27.1K

-38.67%

White Bread (500g)

$0.83 ₺41.33

$2.30 Rp 41.4K

-63.91%

Rice (white) (1kg)

$2.63 ₺130

$1.18 Rp 21.2K

122.88%

Eggs

$2.61 ₺129

$2.14 Rp 38.6K

21.96%

Local Cheese (1kg)

$9.94 ₺492

$17.48 Rp 314.6K

-43.14%

Chicken Fillets (1kg)

$3.98 ₺197

$4.03 Rp 72.5K

-1.24%

Beef Round Steak (1kg)

$20.73 ₺1,026

$12.23 Rp 220.1K

69.50%

Apples (1kg)

$1.73 ₺85.9

$3.55 Rp 63.9K

-51.27%

Banana (1kg)

$2.07 ₺102

$1.57 Rp 28.3K

31.85%

Oranges (1kg)

$1.03 ₺51.2

$2.24 Rp 40.2K

-54.02%

Tomato (1kg)

$1.16 ₺57.4

$1.93 Rp 34.7K

-39.90%

Potato (1kg)

$0.53 ₺26.39

$1.88 Rp 33.9K

-71.81%

Onion (1kg)

$0.40 ₺20.04

$2.29 Rp 41.3K

-82.53%

Lettuce (1 head)

$0.74 ₺36.52

$0.99 Rp 17.9K

-25.25%

Water (1.5 liter bottle)

$0.62 ₺30.73

$0.53 Rp 9,475

16.98%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 ₺114

$2.28 Rp 41.1K

0.44%

Wine (Bottle)

$8.01 ₺397

$23.01 Rp 414.2K

-65.19%

Local Beer (0.5 liter bottle)

$2.28 ₺113

$2.34 Rp 42.2K

-2.56%

Imported Beer (0.33 liter bottle)

$2.27 ₺112

$2.91 Rp 52.4K

-21.99%

One-way Ticket (Public Transport)

$0.74 ₺36.67

$0.24 Rp 4,315

208.33%

Public Transport Monthly Pass (Regular Price)

$74.6 ₺3,692

$8.82 Rp 158.7K

745.46%

Taxi Start (Normal Tariff)

$1.00 ₺49.51

$0.48 Rp 8,684

108.33%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

Gasoline (1 liter)

$1.28 ₺63.2

$0.88 Rp 15.9K

45.45%

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

$41.7K ₺2.1M

$24.6K Rp 442.2M

69.62%

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

$39.7K ₺2.0M

$31.2K Rp 561.4M

27.15%

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

$78.3 ₺3,877

$83.0 Rp 1.5M

-5.65%

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

$11.85 ₺587

$6.45 Rp 116.0K

83.72%

Internet (50+ Mbps, Unlimited Data)

$13.10 ₺649

$18.57 Rp 334.2K

-29.46%

Gym Membership (Monthly)

$54.3 ₺2,687

$55.8 Rp 1.0M

-2.78%

Tennis Court (1 Hour on Weekend)

$4.01 ₺199

$18.11 Rp 326.0K

-77.86%

Cinema Ticket

$5.04 ₺250

$4.38 Rp 78.9K

15.07%

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

$447 ₺22.1K

$493 Rp 8.9M

-9.32%

International Primary School, 1 Child (Yearly)

$5,990 ₺296.6K

$5,754 Rp 103.6M

4.11%

Jeans (Levis 501 Or Similar)

$47.75 ₺2,364

$46.19 Rp 831.4K

3.38%

Summer Dress (H&M, Zara, etc)

$54.3 ₺2,687

$35.33 Rp 636.0K

53.61%

Sport Shoes (Adidas, Nike)

$121 ₺6,014

$79.1 Rp 1.4M

53.58%

Men's Leather Business Shoes

$100 ₺4,962

$78.4 Rp 1.4M

27.86%

1-bedroom Apartment, City Center (Monthly)

$786 ₺38.9K

$1,142 Rp 20.6M

-31.23%

1-bedroom Apartment, Outside City Center (Monthly)

$477 ₺23.6K

$676 Rp 12.2M

-29.39%

3-bedroom Apartment, City Center (Monthly)

$1,234 ₺61.1K

$3,503 Rp 63.1M

-64.78%

3-bedroom Apartment, Outside City Center (Monthly)

$573 ₺28.4K

$1,700 Rp 30.6M

-66.27%

Buy Apartment in City Center (m2)

$1,005 ₺49.8K

$2,784 Rp 50.1M

-63.90%

Buy Apartment Outside City Center (m2)

$825 ₺40.9K

$2,241 Rp 40.3M

-63.17%

Average Monthly Net Salary (After Tax)

$1,222 ₺60.5K

$165 Rp 3.0M

642.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

197.53%

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

Last update for Kocaeli: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Kocaeli

$477 38.2%

Ubud, Bali

$676 49.4% 41.6% $199

Groceries & Markets

Kocaeli

$226 18.1%

Ubud, Bali

$290 21.2% 28.4% $64

Eating Out

Kocaeli

$155 12.4%

Ubud, Bali

$109 8% 29.8% $46

Clothing & Footwear

Kocaeli

$146 11.7%

Ubud, Bali

$108 7.9% 26.2% $38

Monthly Utilities & Internet

Kocaeli

$103 8.3%

Ubud, Bali

$108 7.9% 4.6% $4.8

Getting Around

Kocaeli

$79 * 6.3%

Ubud, Bali

$13 0.9% 84% $66

Sport & Entertainment

Kocaeli

$64 5.2%

Ubud, Bali

$65 4.7% 0.4% $0.2

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $786 in Kocaeli versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 642% higher in Kocaeli, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $30.00 in Kocaeli versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $226 vs $290 – making Kocaeli the more affordable choice for daily food spending.

Good to know

🇹🇷 Kocaeli

🇮🇩 Ubud, Bali

🕒 Local time

19:28 7:28 PM

00:28 12:28 AM

5 h ahead of Kocaeli

🌤 Weather

👥 Population

2,079,072

74,800

💱 Currency

Turkish Lira TRY ₺

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 TRY = 2.02 USD

100 TRY = 1.8 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to TRY – Turkish Lira Converter

🇺🇸 United States Dollar ($)

🇹🇷 Turkish Lira (₺)

Turkish Lira exchange rates as of October 19, 2026: 1 USD = 49.51 TRY (100 TRY = 2.02 USD). 1 EUR = 55.66 TRY (100 TRY = 1.8 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to TRY in detail →

On the map

Lowest

Highest

Between locations

Kocaeli Ubud, Bali 10,230 km ≈ 13 h nonstop flight

From you

Kocaeli
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

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

Ubud, Bali costs about 9% more than Kocaeli, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,875 per month in Kocaeli and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kocaeli, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,250 in Kocaeli and $1,368 in Ubud, Bali. That's a gap of about 9%.

Public transport costs about 745% less in Kocaeli. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Kocaeli, where all-in costs run around $1,250, than in Ubud, Bali at $1,368. In Kocaeli it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kocaeli costs $1,250 versus $1,368 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kocaeli. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.