Last update: Oct 2026

Cost of Living Comparison Between Kokkola and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,836 in Kokkola, rent and utilities included – about $5,800 less a year. Other living expenses account for most of the difference.

89

Cost of Living Index in Kokkola
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Kokkola Living Index
65

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

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Kokkola

🇫🇮 Finland

$1,836

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,836 per month in Kokkola vs $1,349 in Ubud, Bali, rent included.

Kokkola $1,836
Ubud, Bali $1,349

A couple spends around $2,921 per month in Kokkola vs $2,305 in Ubud, Bali, rent included.

Kokkola $2,921
Ubud, Bali $2,305

A family of three spends $4,006 per month in Kokkola vs $3,261 in Ubud, Bali, rent included.

Kokkola $4,006
Ubud, Bali $3,261

Kokkola costs about 36% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.94 €14.28

$3.32 Rp 60.3K

380.12%

Three-Course Dinner for Two, Mid-Range

$89.9 €80.5

$35.64 Rp 646.5K

152.13%

Fast Food Meal (McDonalds, etc)

$11.50 €10.31

$5.53 Rp 100.4K

107.96%

Cappuccino

$5.32 €4.77

$2.72 Rp 49.3K

95.59%

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

$2.87 €2.57

$1.70 Rp 30.9K

68.82%

Water (0.33 liter bottle)

$1.95 €1.75

$0.76 Rp 13.8K

156.58%

Local Beer (0.5 liter draught)

$7.64 €6.84

$2.65 Rp 48.1K

188.30%

Imported Beer (0.33 liter bottle)

$8.83 €7.92

$4.38 Rp 79.5K

101.60%

Milk (1 liter)

$1.11 €1.00

$1.49 Rp 27.0K

-25.50%

White Bread (500g)

$2.68 €2.40

$2.28 Rp 41.3K

17.54%

Rice (white) (1kg)

$2.36 €2.12

$1.19 Rp 21.6K

98.32%

Eggs

$3.11 €2.79

$2.04 Rp 36.9K

52.45%

Local Cheese (1kg)

$8.94 €8.01

$17.70 Rp 321.1K

-49.49%

Chicken Fillets (1kg)

$14.01 €12.56

$3.96 Rp 71.9K

253.79%

Beef Round Steak (1kg)

$21.69 €19.44

$12.19 Rp 221.1K

77.93%

Apples (1kg)

$2.28 €2.05

$3.66 Rp 66.3K

-37.70%

Banana (1kg)

$2.02 €1.81

$1.52 Rp 27.5K

32.89%

Oranges (1kg)

$2.58 €2.32

$2.23 Rp 40.4K

15.70%

Tomato (1kg)

$3.96 €3.55

$1.97 Rp 35.8K

101.02%

Potato (1kg)

$1.30 €1.17

$1.85 Rp 33.5K

-29.73%

Onion (1kg)

$1.83 €1.64

$2.42 Rp 44.0K

-24.38%

Lettuce (1 head)

$2.78 €2.49

$0.99 Rp 18.0K

180.81%

Water (1.5 liter bottle)

$2.04 €1.82

$0.51 Rp 9,313

300.00%

Cigarettes 20 Pack (Marlboro, Camel)

$12.96 €11.62

$2.22 Rp 40.3K

483.78%

Wine (Bottle)

$15.92 €14.27

$22.24 Rp 403.4K

-28.42%

Local Beer (0.5 liter bottle)

$3.18 €2.85

$2.26 Rp 41.0K

40.71%

Imported Beer (0.33 liter bottle)

$3.31 €2.96

$2.97 Rp 53.9K

11.45%

One-way Ticket (Public Transport)

$3.03 €2.71

$0.25 Rp 4,553

1112.00%

Public Transport Monthly Pass (Regular Price)

$73.9 €66.2

$7.82 Rp 141.9K

844.50%

Taxi Start (Normal Tariff)

$4.29 €3.85

$0.44 Rp 7,972

875.00%

Taxi (Normal Tariff) (1km)

$1.35 €1.21

$0.43 Rp 7,801

213.95%

Taxi 1hour Waiting (Normal Tariff)

$66.4 €59.5

$5.41 Rp 98.1K

1127.54%

Gasoline (1 liter)

$2.31 €2.07

$0.82 Rp 15.0K

181.71%

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

$37.1K €33.2K

$23.8K Rp 432.4M

55.47%

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

$37.1K €33.3K

$31.7K Rp 575.9M

16.98%

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

$129 €116

$79.1 Rp 1.4M

63.56%

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

$25.04 €22.44

$6.45 Rp 116.9K

288.22%

Internet (50+ Mbps, Unlimited Data)

$23.90 €21.41

$18.58 Rp 337.0K

28.63%

Gym Membership (Monthly)

$42.44 €38.03

$49.48 Rp 897.5K

-14.23%

Tennis Court (1 Hour on Weekend)

$21.93 €19.65

$17.65 Rp 320.1K

24.25%

Cinema Ticket

$18.17 €16.29

$4.27 Rp 77.5K

325.53%

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

$327 €293

$491 Rp 8.9M

-33.31%

International Primary School, 1 Child (Yearly)

$11.3K €10.1K

$5,674 Rp 102.9M

98.65%

Jeans (Levis 501 Or Similar)

$93.9 €84.2

$44.64 Rp 809.7K

110.39%

Summer Dress (H&M, Zara, etc)

$48.08 €43.09

$34.95 Rp 634.0K

37.57%

Sport Shoes (Adidas, Nike)

$101 €90.1

$79.9 Rp 1.4M

25.79%

Men's Leather Business Shoes

$151 €135

$79.4 Rp 1.4M

90.20%

1-bedroom Apartment, City Center (Monthly)

$770 €690

$1,125 Rp 20.4M

-31.53%

1-bedroom Apartment, Outside City Center (Monthly)

$631 €565

$671 Rp 12.2M

-6.03%

3-bedroom Apartment, City Center (Monthly)

$1,217 €1,090

$3,565 Rp 64.7M

-65.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,136 €1,018

$1,723 Rp 31.3M

-34.09%

Buy Apartment in City Center (m2)

$4,340 €3,889

$2,732 Rp 49.5M

58.86%

Buy Apartment Outside City Center (m2)

$2,394 €2,145

$2,284 Rp 41.4M

4.81%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

3.51

13.78

-74.53%

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

Last update for Kokkola: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Kokkola

$631 34.4%

Ubud, Bali

$672 49.8% 6.4% $40

Groceries & Markets

Kokkola

$373 20.3%

Ubud, Bali

$288 21.4% 22.6% $84

Eating Out

Kokkola

$301 16.4%

Ubud, Bali

$108 8% 64.2% $193

Monthly Utilities & Internet

Kokkola

$178 9.7%

Ubud, Bali

$104 7.7% 41.6% $74

Clothing & Footwear

Kokkola

$177 9.7%

Ubud, Bali

$108 8% 39.3% $70

Getting Around

Kokkola

$97 5.3%

Ubud, Bali

$11 0.9% 88.2% $86

Sport & Entertainment

Kokkola

$79 4.3%

Ubud, Bali

$58 4.3% 26.3% $21

Cost Breakdown

A central one-bedroom costs $770 in Kokkola versus $1,125 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.

A mid-range dinner for two costs $90 in Kokkola versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $373 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇫🇮 Kokkola

🇮🇩 Ubud, Bali

🕒 Local time

06:56 6:56 AM

12:56 12:56 PM

6 h ahead of Kokkola

🌤 Weather

👥 Population

48,299

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Kokkola Ubud, Bali 10,960 km ≈ 14 h nonstop flight

From you

Kokkola
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

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

Yes – Kokkola is pricier by about 36%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,754 per month in Kokkola and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kokkola, especially for central apartments: a one-bedroom in the center costs $770 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,836 in Kokkola and $1,349 in Ubud, Bali. That makes Ubud, Bali about 27% cheaper.

Public transport costs about 89% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,836 in Kokkola and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,836 in Kokkola. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.