Last update: Oct 2026

Cost of Living Comparison Between Kos and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,506 in Kos, rent and utilities included – about $1,900 less a year. The total is higher in Kos despite lower rent and utilities.

73

Cost of Living Index in Kos
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Kos Living Index
65

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

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Kos

🇬🇷 Greece

$1,506

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,506 in Kos versus $1,349 in Ubud, Bali.

Kos $1,506
Ubud, Bali $1,349

Estimated couple costs with rent: $2,265 in Kos versus $2,305 in Ubud, Bali.

Kos $2,265
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,024 in Kos versus $3,261 in Ubud, Bali.

Kos $3,024
Ubud, Bali $3,261

Living in Kos is roughly 12% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.93 €12.51

$3.32 Rp 60.4K

319.58%

Three-Course Dinner for Two, Mid-Range

$66.4 €59.7

$35.64 Rp 647.8K

86.34%

Fast Food Meal (McDonalds, etc)

$11.25 €10.10

$5.53 Rp 100.6K

103.44%

Cappuccino

$4.01 €3.61

$2.72 Rp 49.4K

47.43%

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

$3.09 €2.77

$1.70 Rp 30.9K

81.76%

Water (0.33 liter bottle)

$1.11 €0.99

$0.76 Rp 13.8K

46.05%

Local Beer (0.5 liter draught)

$4.34 €3.90

$2.65 Rp 48.2K

63.77%

Imported Beer (0.33 liter bottle)

$6.53 €5.87

$4.38 Rp 79.6K

49.09%

Milk (1 liter)

$2.42 €2.17

$1.49 Rp 27.1K

62.42%

White Bread (500g)

$1.62 €1.46

$2.28 Rp 41.4K

-28.95%

Rice (white) (1kg)

$2.61 €2.34

$1.19 Rp 21.6K

119.33%

Eggs

$4.61 €4.14

$2.04 Rp 37.0K

125.98%

Local Cheese (1kg)

$13.08 €11.75

$17.70 Rp 321.7K

-26.10%

Chicken Fillets (1kg)

$10.17 €9.13

$3.96 Rp 72.0K

156.82%

Beef Round Steak (1kg)

$15.05 €13.52

$12.19 Rp 221.6K

23.46%

Apples (1kg)

$2.20 €1.97

$3.66 Rp 66.4K

-39.89%

Banana (1kg)

$2.00 €1.80

$1.52 Rp 27.6K

31.58%

Oranges (1kg)

$1.36 €1.22

$2.23 Rp 40.5K

-39.01%

Tomato (1kg)

$2.04 €1.83

$1.97 Rp 35.9K

3.55%

Potato (1kg)

$1.13 €1.01

$1.85 Rp 33.6K

-38.92%

Onion (1kg)

$1.14 €1.02

$2.42 Rp 44.1K

-52.89%

Lettuce (1 head)

$1.09 €0.98

$0.99 Rp 18.0K

10.10%

Water (1.5 liter bottle)

$0.84 €0.76

$0.51 Rp 9,332

64.71%

Cigarettes 20 Pack (Marlboro, Camel)

$5.39 €4.84

$2.22 Rp 40.4K

142.79%

Wine (Bottle)

$6.76 €6.07

$22.24 Rp 404.2K

-69.60%

Local Beer (0.5 liter bottle)

$2.01 €1.81

$2.26 Rp 41.1K

-11.06%

Imported Beer (0.33 liter bottle)

$2.56 €2.30

$2.97 Rp 54.0K

-13.80%

One-way Ticket (Public Transport)

$1.83 €1.64

$0.25 Rp 4,562

632.00%

Public Transport Monthly Pass (Regular Price)

$49.85 €44.78

$7.82 Rp 142.2K

537.47%

Taxi Start (Normal Tariff)

$4.09 €3.67

$0.44 Rp 7,989

829.55%

Taxi (Normal Tariff) (1km)

$1.13 €1.02

$0.43 Rp 7,817

162.79%

Taxi 1hour Waiting (Normal Tariff)

$16.47 €14.80

$5.41 Rp 98.3K

204.44%

Gasoline (1 liter)

$2.09 €1.88

$0.82 Rp 15.0K

154.88%

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

$28.0K €25.1K

$23.8K Rp 433.3M

17.28%

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

$25.1K €22.6K

$31.7K Rp 577.0M

-20.91%

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

$201 €181

$79.1 Rp 1.4M

154.83%

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

$22.92 €20.59

$6.45 Rp 117.2K

255.35%

Internet (50+ Mbps, Unlimited Data)

$34.73 €31.20

$18.58 Rp 337.7K

86.92%

Gym Membership (Monthly)

$50.6 €45.49

$49.48 Rp 899.4K

2.32%

Tennis Court (1 Hour on Weekend)

$28.52 €25.62

$17.65 Rp 320.8K

61.59%

Cinema Ticket

$8.80 €7.90

$4.27 Rp 77.7K

106.09%

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

$417 €375

$491 Rp 8.9M

-14.98%

International Primary School, 1 Child (Yearly)

$9,025 €8,107

$5,674 Rp 103.1M

59.06%

Jeans (Levis 501 Or Similar)

$89.0 €79.9

$44.64 Rp 811.4K

99.26%

Summer Dress (H&M, Zara, etc)

$40.15 €36.07

$34.95 Rp 635.3K

14.88%

Sport Shoes (Adidas, Nike)

$92.5 €83.1

$79.9 Rp 1.5M

15.76%

Men's Leather Business Shoes

$123 €110

$79.4 Rp 1.4M

54.24%

1-bedroom Apartment, City Center (Monthly)

$610 €548

$1,125 Rp 20.4M

-45.76%

1-bedroom Apartment, Outside City Center (Monthly)

$420 €377

$671 Rp 12.2M

-37.43%

3-bedroom Apartment, City Center (Monthly)

$715 €642

$3,565 Rp 64.8M

-79.94%

3-bedroom Apartment, Outside City Center (Monthly)

$587 €527

$1,723 Rp 31.3M

-65.94%

Buy Apartment in City Center (m2)

$2,594 €2,330

$2,732 Rp 49.6M

-5.04%

Buy Apartment Outside City Center (m2)

$2,012 €1,807

$2,284 Rp 41.5M

-11.92%

Average Monthly Net Salary (After Tax)

$902 €810

$164 Rp 3.0M

450.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

13.78

-67.49%

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

Last update for Kos: 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

Kos

$420 27.9%

Ubud, Bali

$672 49.8% 59.8% $251

Groceries & Markets

Kos

$292 19.4%

Ubud, Bali

$288 21.4% 1.2% $3.5

Monthly Utilities & Internet

Kos

$259 17.2%

Ubud, Bali

$104 7.7% 59.8% $155

Eating Out

Kos

$245 16.3%

Ubud, Bali

$108 8% 56% $137

Clothing & Footwear

Kos

$155 10.3%

Ubud, Bali

$108 8% 30.6% $47

Sport & Entertainment

Kos

$68 4.5%

Ubud, Bali

$58 4.3% 14.9% $10

Getting Around

Kos

$67 4.4%

Ubud, Bali

$11 0.9% 82.9% $56

Cost Breakdown

A one-bedroom apartment in the center runs $610 in Kos and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kos pays about 5.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $66 in Kos vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $292 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇷 Kos

🇮🇩 Ubud, Bali

🕒 Local time

01:46 1:46 AM

07:46 7:46 AM

6 h ahead of Kos

🌤 Weather

👥 Population

30,947

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.5 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 October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Kos Ubud, Bali 10,410 km ≈ 14 h nonstop flight

From you

Kos
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

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

Ubud, Bali wins on cost – living expenses run 10% lower than in Kos. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Kos is about 5.5 times higher, 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: $610 in Kos versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $417 in Kos versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $66 in Kos. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Safety-wise, Kos and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Kos on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.