Last update: Oct 2026

Cost of Living Comparison Between Kotka and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,652 in Kotka, rent and utilities included – about $3,600 less a year. The total is higher in Kotka despite lower rent and utilities.

79

Cost of Living Index in Kotka
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Kotka Living Index
65

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

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Kotka

🇫🇮 Finland

$1,652

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,652 per month in Kotka vs $1,349 in Ubud, Bali, rent included.

Kotka $1,652
Ubud, Bali $1,349

A couple spends around $2,550 per month in Kotka vs $2,305 in Ubud, Bali, rent included.

Kotka $2,550
Ubud, Bali $2,305

A family of three spends $3,449 per month in Kotka vs $3,261 in Ubud, Bali, rent included.

Kotka $3,449
Ubud, Bali $3,261

Kotka costs about 23% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$16.39 €14.68

$3.32 Rp 60.2K

393.67%

Three-Course Dinner for Two, Mid-Range

$79.4 €71.2

$35.64 Rp 645.8K

122.90%

Fast Food Meal (McDonalds, etc)

$11.11 €9.95

$5.53 Rp 100.3K

100.90%

Cappuccino

$4.50 €4.03

$2.72 Rp 49.3K

65.44%

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

$1.84 €1.65

$1.70 Rp 30.8K

8.24%

Water (0.33 liter bottle)

$1.26 €1.13

$0.76 Rp 13.8K

65.79%

Local Beer (0.5 liter draught)

$6.87 €6.15

$2.65 Rp 48.1K

159.25%

Imported Beer (0.33 liter bottle)

$9.80 €8.78

$4.38 Rp 79.4K

123.74%

Milk (1 liter)

$1.02 €0.92

$1.49 Rp 27.0K

-31.54%

White Bread (500g)

$2.19 €1.96

$2.28 Rp 41.2K

-3.95%

Rice (white) (1kg)

$2.67 €2.39

$1.19 Rp 21.6K

124.37%

Eggs

$2.91 €2.60

$2.04 Rp 36.9K

42.65%

Local Cheese (1kg)

$7.93 €7.11

$17.70 Rp 320.8K

-55.20%

Chicken Fillets (1kg)

$12.34 €11.06

$3.96 Rp 71.8K

211.62%

Beef Round Steak (1kg)

$18.70 €16.75

$12.19 Rp 220.9K

53.40%

Apples (1kg)

$2.68 €2.40

$3.66 Rp 66.2K

-26.78%

Banana (1kg)

$2.09 €1.87

$1.52 Rp 27.5K

37.50%

Oranges (1kg)

$2.23 €2.00

$2.23 Rp 40.4K

Tomato (1kg)

$4.29 €3.85

$1.97 Rp 35.7K

117.77%

Potato (1kg)

$1.15 €1.03

$1.85 Rp 33.5K

-37.84%

Onion (1kg)

$1.59 €1.43

$2.42 Rp 43.9K

-34.30%

Lettuce (1 head)

$1.95 €1.75

$0.99 Rp 17.9K

96.97%

Water (1.5 liter bottle)

$1.14 €1.02

$0.51 Rp 9,303

123.53%

Cigarettes 20 Pack (Marlboro, Camel)

$10.49 €9.40

$2.22 Rp 40.3K

372.52%

Wine (Bottle)

$15.40 €13.79

$22.24 Rp 403.0K

-30.76%

Local Beer (0.5 liter bottle)

$1.97 €1.76

$2.26 Rp 41.0K

-12.83%

Imported Beer (0.33 liter bottle)

$2.82 €2.53

$2.97 Rp 53.8K

-5.05%

One-way Ticket (Public Transport)

$4.29 €3.84

$0.25 Rp 4,548

1616.00%

Public Transport Monthly Pass (Regular Price)

$57.3 €51.3

$7.82 Rp 141.8K

632.35%

Taxi Start (Normal Tariff)

$6.24 €5.59

$0.44 Rp 7,964

1318.18%

Taxi (Normal Tariff) (1km)

$1.47 €1.31

$0.43 Rp 7,793

241.86%

Taxi 1hour Waiting (Normal Tariff)

$65.6 €58.7

$5.41 Rp 98.0K

1112.01%

Gasoline (1 liter)

$2.03 €1.82

$0.82 Rp 14.9K

147.56%

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

$36.4K €32.6K

$23.8K Rp 432.0M

52.85%

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

$36.6K €32.8K

$31.7K Rp 575.3M

15.36%

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

$135 €121

$79.1 Rp 1.4M

70.91%

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

$28.69 €25.69

$6.45 Rp 116.8K

344.81%

Internet (50+ Mbps, Unlimited Data)

$22.34 €20.01

$18.58 Rp 336.7K

20.24%

Gym Membership (Monthly)

$39.96 €35.79

$49.48 Rp 896.7K

-19.24%

Tennis Court (1 Hour on Weekend)

$18.16 €16.27

$17.65 Rp 319.8K

2.89%

Cinema Ticket

$15.97 €14.30

$4.27 Rp 77.4K

274.00%

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

$314 €281

$491 Rp 8.9M

-35.99%

International Primary School, 1 Child (Yearly)

$7,394 €6,622

$5,674 Rp 102.8M

30.31%

Jeans (Levis 501 Or Similar)

$92.8 €83.1

$44.64 Rp 808.9K

107.95%

Summer Dress (H&M, Zara, etc)

$41.07 €36.78

$34.95 Rp 633.4K

17.51%

Sport Shoes (Adidas, Nike)

$103 €92.6

$79.9 Rp 1.4M

29.42%

Men's Leather Business Shoes

$45.34 €40.60

$79.4 Rp 1.4M

-42.91%

1-bedroom Apartment, City Center (Monthly)

$682 €611

$1,125 Rp 20.4M

-39.40%

1-bedroom Apartment, Outside City Center (Monthly)

$567 €508

$671 Rp 12.2M

-15.50%

3-bedroom Apartment, City Center (Monthly)

$1,161 €1,040

$3,565 Rp 64.6M

-67.42%

3-bedroom Apartment, Outside City Center (Monthly)

$886 €794

$1,723 Rp 31.2M

-48.58%

Buy Apartment in City Center (m2)

$2,180 €1,953

$2,732 Rp 49.5M

-20.18%

Buy Apartment Outside City Center (m2)

$1,396 €1,251

$2,284 Rp 41.4M

-38.86%

Average Monthly Net Salary (After Tax)

$3,170 €2,839

$164 Rp 3.0M

1834.88%

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: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Kotka

$567 34.3%

Ubud, Bali

$672 49.8% 18.3% $104

Groceries & Markets

Kotka

$327 19.8%

Ubud, Bali

$288 21.4% 11.7% $38

Eating Out

Kotka

$285 17.2%

Ubud, Bali

$108 8% 62.2% $177

Monthly Utilities & Internet

Kotka

$186 11.3%

Ubud, Bali

$104 7.7% 44.1% $82

Clothing & Footwear

Kotka

$127 7.7%

Ubud, Bali

$108 8% 15.5% $20

Getting Around

Kotka

$88 5.3%

Ubud, Bali

$11 0.9% 87% $77

Sport & Entertainment

Kotka

$72 4.4%

Ubud, Bali

$58 4.3% 19.3% $14

Cost Breakdown

A central one-bedroom costs $682 in Kotka 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.

Salaries in Kotka are about 19 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $79 in Kotka versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $327 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇫🇮 Kotka

🇮🇩 Ubud, Bali

🕒 Local time

14:58 2:58 PM

20:58 8:58 PM

6 h ahead of Kotka

🌤 Weather

👥 Population

50,488

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.52 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 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Between locations

Kotka Ubud, Bali 10,740 km ≈ 14 h nonstop flight

From you

Kotka
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

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

Yes – Kotka is pricier by about 23%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,478 per month in Kotka 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 Kotka, especially for central apartments: a one-bedroom in the center costs $682 there versus $1,125 in Ubud, Bali.

A mid-range dinner for two costs $79 in Kotka and $36 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 $1,652 in Kotka and $1,349 in Ubud, Bali. That makes Ubud, Bali about 18% cheaper.

$1,000 is a stretch for both – monthly costs hit $1,652 in Kotka 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 $1,652 in Kotka. 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.

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