Cost of Living Comparison Between Kotka and Ubud, Bali Cost of Living Comparison Between Kotka and Ubud, Bali

Monthly Cost of Living

A single person spends $1,707 per month in Kotka vs $1,368 in Ubud, Bali, rent included.

A couple spends around $2,662 per month in Kotka vs $2,348 in Ubud, Bali, rent included.

A family of three spends $3,618 per month in Kotka vs $3,327 in Ubud, Bali, rent included.

Kotka costs about 25% more than Ubud, Bali, driven mainly by Eating Out.

Both Kotka and Ubud, Bali sit above the global median – Kotka by 25%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$16.63 €14.50

$3.44 Rp 60.9K

383.43%

Three-Course Dinner for Two, Mid-Range

$84.4 €73.6

$36.31 Rp 643.0K

132.50%

Fast Food Meal (McDonalds, etc)

$11.56 €10.08

$5.71 Rp 101.0K

102.45%

Cappuccino

$4.45 €3.87

$2.67 Rp 47.3K

66.67%

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

$1.88 €1.64

$1.75 Rp 31.0K

7.43%

Water (0.33 liter bottle)

$1.27 €1.10

$0.87 Rp 15.4K

45.98%

Local Beer (0.5 liter draught)

$7.01 €6.11

$2.95 Rp 52.3K

137.63%

Imported Beer (0.33 liter bottle)

$10.11 €8.81

$4.52 Rp 80.0K

123.67%

Milk (1 liter)

$1.05 €0.91

$1.62 Rp 28.7K

-35.19%

White Bread (500g)

$2.27 €1.98

$2.33 Rp 41.3K

-2.58%

Rice (white) (1kg)

$2.83 €2.47

$1.11 Rp 19.6K

154.95%

Eggs

$3.13 €2.73

$2.20 Rp 39.0K

42.27%

Local Cheese (1kg)

$7.86 €6.86

$17.69 Rp 313.3K

-55.57%

Chicken Fillets (1kg)

$12.52 €10.91

$4.10 Rp 72.5K

205.37%

Beef Round Steak (1kg)

$18.97 €16.54

$12.18 Rp 215.6K

55.75%

Apples (1kg)

$2.92 €2.55

$3.71 Rp 65.6K

-21.29%

Banana (1kg)

$2.15 €1.88

$1.59 Rp 28.1K

35.22%

Oranges (1kg)

$2.29 €2.00

$2.28 Rp 40.4K

0.44%

Tomato (1kg)

$4.42 €3.85

$1.95 Rp 34.6K

126.67%

Potato (1kg)

$1.19 €1.04

$1.91 Rp 33.7K

-37.70%

Onion (1kg)

$1.65 €1.43

$2.33 Rp 41.3K

-29.18%

Lettuce (1 head)

$2.10 €1.83

$1.01 Rp 17.8K

107.92%

Water (1.5 liter bottle)

$1.18 €1.03

$0.55 Rp 9,773

114.55%

Cigarettes 20 Pack (Marlboro, Camel)

$10.82 €9.43

$2.23 Rp 39.5K

385.20%

Wine (Bottle)

$15.45 €13.47

$23.07 Rp 408.6K

-33.03%

Local Beer (0.5 liter bottle)

$1.96 €1.70

$2.42 Rp 42.8K

-19.01%

Imported Beer (0.33 liter bottle)

$2.93 €2.56

$3.00 Rp 53.1K

-2.33%

One-way Ticket (Public Transport)

$4.35 €3.79

$0.27 Rp 4,814

1511.11%

Public Transport Monthly Pass (Regular Price)

$60.7 €53.0

$8.98 Rp 159.1K

576.39%

Taxi Start (Normal Tariff)

$6.34 €5.53

$0.48 Rp 8,566

1220.83%

Taxi (Normal Tariff) (1km)

$1.79 €1.56

$0.43 Rp 7,679

316.28%

Taxi 1hour Waiting (Normal Tariff)

$68.1 €59.3

$5.64 Rp 99.9K

1106.91%

Gasoline (1 liter)

$2.07 €1.81

$0.80 Rp 14.2K

158.75%

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

$37.4K €32.6K

$24.9K Rp 441.7M

49.98%

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

$38.7K €33.7K

$31.7K Rp 561.5M

21.94%

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

$141 €123

$81.5 Rp 1.4M

72.54%

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

$30.79 €26.84

$6.49 Rp 115.0K

374.42%

Internet (50+ Mbps, Unlimited Data)

$22.51 €19.62

$18.77 Rp 332.4K

19.93%

Gym Membership (Monthly)

$40.58 €35.37

$56.9 Rp 1.0M

-28.64%

Tennis Court (1 Hour on Weekend)

$18.86 €16.44

$18.73 Rp 331.7K

0.69%

Cinema Ticket

$16.03 €13.97

$4.54 Rp 80.4K

253.08%

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

$320 €279

$481 Rp 8.5M

-33.40%

International Primary School, 1 Child (Yearly)

$7,408 €6,458

$5,711 Rp 101.1M

29.71%

Jeans (Levis 501 Or Similar)

$96.2 €83.8

$45.52 Rp 806.0K

111.27%

Summer Dress (H&M, Zara, etc)

$40.15 €35.00

$35.88 Rp 635.4K

11.90%

Sport Shoes (Adidas, Nike)

$107 €93.6

$80.4 Rp 1.4M

33.51%

Men's Leather Business Shoes

$46.27 €40.34

$78.7 Rp 1.4M

-41.18%

1-bedroom Apartment, City Center (Monthly)

$720 €627

$1,115 Rp 19.7M

-35.44%

1-bedroom Apartment, Outside City Center (Monthly)

$571 €498

$698 Rp 12.4M

-18.10%

3-bedroom Apartment, City Center (Monthly)

$1,200 €1,046

$3,637 Rp 64.4M

-67.00%

3-bedroom Apartment, Outside City Center (Monthly)

$914 €797

$1,737 Rp 30.8M

-47.39%

Buy Apartment in City Center (m2)

$2,219 €1,935

$2,784 Rp 49.3M

-20.29%

Buy Apartment Outside City Center (m2)

$1,478 €1,289

$2,290 Rp 40.5M

-35.43%

Average Monthly Net Salary (After Tax)

$3,159 €2,754

$168 Rp 3.0M

1780.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.2

13.78

-76.78%

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

Last update for Kotka: September 12, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $720 in Kotka versus $1,115 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 1781% higher in Kotka, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $84.0 in Kotka versus $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $335 vs $295 – making Ubud, Bali the more affordable choice for daily food spending.

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

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

Yes – Kotka is pricier by about 25%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,560 per month in Kotka and $2,052 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $84.0 in Kotka and $36.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,707 in Kotka and $1,368 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Kotka at $1,707. In Ubud, Bali it covers expenses comfortably, while in Kotka it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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