Last update: Oct 2026

Cost of Living Comparison Between Kozani and Ubud, Bali

For one person, living is cheaper in Kozani: $1,284 a month against $1,368 in Ubud, Bali, rent and utilities included – about $1,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

63

Cost of Living Index in Kozani
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Kozani Living Index
67

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

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Kozani

🇬🇷 Greece

$1,284

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,284 per month in Kozani vs $1,368 in Ubud, Bali, rent included.

Kozani $1,284
Ubud, Bali $1,368

A couple spends around $1,879 per month in Kozani vs $2,314 in Ubud, Bali, rent included.

Kozani $1,879
Ubud, Bali $2,314

A family of three spends $2,474 per month in Kozani vs $3,260 in Ubud, Bali, rent included.

Kozani $2,474
Ubud, Bali $3,260

Kozani is about 6% cheaper than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Kozani sits 5% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.21 €9.97

$3.33 Rp 59.9K

236.64%

Three-Course Dinner for Two, Mid-Range

$44.18 €39.30

$35.18 Rp 633.2K

25.58%

Fast Food Meal (McDonalds, etc)

$10.96 €9.74

$5.80 Rp 104.5K

88.97%

Cappuccino

$2.84 €2.53

$2.73 Rp 49.1K

4.03%

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

$1.64 €1.45

$1.64 Rp 29.5K

Water (0.33 liter bottle)

$0.54 €0.48

$0.83 Rp 15.0K

-34.94%

Local Beer (0.5 liter draught)

$4.56 €4.05

$2.70 Rp 48.6K

68.89%

Imported Beer (0.33 liter bottle)

$4.84 €4.31

$4.30 Rp 77.4K

12.56%

Milk (1 liter)

$1.64 €1.46

$1.50 Rp 27.1K

9.33%

White Bread (500g)

$1.71 €1.52

$2.30 Rp 41.4K

-25.65%

Rice (white) (1kg)

$1.94 €1.72

$1.18 Rp 21.2K

64.41%

Eggs

$3.33 €2.96

$2.14 Rp 38.6K

55.61%

Local Cheese (1kg)

$13.16 €11.70

$17.48 Rp 314.6K

-24.71%

Chicken Fillets (1kg)

$8.38 €7.46

$4.03 Rp 72.5K

107.94%

Beef Round Steak (1kg)

$12.61 €11.21

$12.23 Rp 220.1K

3.11%

Apples (1kg)

$1.65 €1.47

$3.55 Rp 63.9K

-53.52%

Banana (1kg)

$1.64 €1.46

$1.57 Rp 28.3K

4.46%

Oranges (1kg)

$1.54 €1.37

$2.24 Rp 40.2K

-31.25%

Tomato (1kg)

$1.62 €1.44

$1.93 Rp 34.7K

-16.06%

Potato (1kg)

$1.01 €0.90

$1.88 Rp 33.9K

-46.28%

Onion (1kg)

$0.85 €0.75

$2.29 Rp 41.3K

-62.88%

Lettuce (1 head)

$1.27 €1.13

$0.99 Rp 17.9K

28.28%

Water (1.5 liter bottle)

$0.89 €0.79

$0.53 Rp 9,475

67.92%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 €4.55

$2.28 Rp 41.1K

124.56%

Wine (Bottle)

$8.81 €7.83

$23.01 Rp 414.2K

-61.71%

Local Beer (0.5 liter bottle)

$1.99 €1.77

$2.34 Rp 42.2K

-14.96%

Imported Beer (0.33 liter bottle)

$3.13 €2.79

$2.91 Rp 52.4K

7.56%

One-way Ticket (Public Transport)

$1.65 €1.47

$0.24 Rp 4,315

587.50%

Public Transport Monthly Pass (Regular Price)

$41.77 €37.16

$8.82 Rp 158.7K

373.58%

Taxi Start (Normal Tariff)

$4.15 €3.69

$0.48 Rp 8,684

764.58%

Taxi (Normal Tariff) (1km)

$1.11 €0.98

$0.46 Rp 8,233

141.30%

Taxi 1hour Waiting (Normal Tariff)

$16.64 €14.80

$5.45 Rp 98.2K

205.32%

Gasoline (1 liter)

$1.97 €1.75

$0.88 Rp 15.9K

123.86%

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

$28.3K €25.2K

$24.6K Rp 442.2M

15.09%

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

$31.1K €27.7K

$31.2K Rp 561.4M

-0.15%

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

$217 €193

$83.0 Rp 1.5M

160.98%

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

$23.22 €20.66

$6.45 Rp 116.0K

260.00%

Internet (50+ Mbps, Unlimited Data)

$29.90 €26.60

$18.57 Rp 334.2K

61.01%

Gym Membership (Monthly)

$43.48 €38.68

$55.8 Rp 1.0M

-22.11%

Tennis Court (1 Hour on Weekend)

$23.90 €21.26

$18.11 Rp 326.0K

31.97%

Cinema Ticket

$8.70 €7.73

$4.38 Rp 78.9K

98.63%

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

$401 €357

$493 Rp 8.9M

-18.65%

International Primary School, 1 Child (Yearly)

$9,068 €8,066

$5,754 Rp 103.6M

57.62%

Jeans (Levis 501 Or Similar)

$84.6 €75.2

$46.19 Rp 831.4K

83.07%

Summer Dress (H&M, Zara, etc)

$45.09 €40.10

$35.33 Rp 636.0K

27.63%

Sport Shoes (Adidas, Nike)

$82.5 €73.4

$79.1 Rp 1.4M

4.30%

Men's Leather Business Shoes

$61.2 €54.5

$78.4 Rp 1.4M

-21.88%

1-bedroom Apartment, City Center (Monthly)

$387 €344

$1,142 Rp 20.6M

-66.15%

1-bedroom Apartment, Outside City Center (Monthly)

$314 €280

$676 Rp 12.2M

-53.47%

3-bedroom Apartment, City Center (Monthly)

$511 €454

$3,503 Rp 63.1M

-85.42%

3-bedroom Apartment, Outside City Center (Monthly)

$428 €380

$1,700 Rp 30.6M

-74.84%

Buy Apartment in City Center (m2)

$2,180 €1,939

$2,784 Rp 50.1M

-21.70%

Buy Apartment Outside City Center (m2)

$1,867 €1,661

$2,241 Rp 40.3M

-16.66%

Average Monthly Net Salary (After Tax)

$1,086 €966

$165 Rp 3.0M

559.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.26

13.78

-69.09%

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

Last update for Kozani: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Kozani

$314 24.5%

Ubud, Bali

$676 49.4% 115% $361

Monthly Utilities & Internet

Kozani

$270 21%

Ubud, Bali

$108 7.9% 60% $162

Groceries & Markets

Kozani

$260 20.3%

Ubud, Bali

$290 21.2% 11.5% $30

Eating Out

Kozani

$198 15.4%

Ubud, Bali

$109 8% 45% $89

Clothing & Footwear

Kozani

$123 9.6%

Ubud, Bali

$108 7.9% 12.6% $15

Sport & Entertainment

Kozani

$61 4.7%

Ubud, Bali

$65 4.7% 6.1% $3.7

Getting Around

Kozani

$58 4.5%

Ubud, Bali

$13 0.9% 78.4% $46

Cost Breakdown

A central one-bedroom costs $387 in Kozani 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 560% higher in Kozani, 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 $44.00 in Kozani versus $35.00 in Ubud, Bali. Groceries tell a different story – $260 in Kozani vs $290 in Ubud, Bali – so Kozani wins on supermarket bills even if dining out costs more.

Good to know

🇬🇷 Kozani

🇮🇩 Ubud, Bali

🕒 Local time

13:26 1:26 PM

18:26 6:26 PM

5 h ahead of Kozani

🌤 Weather

👥 Population

35,242

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 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 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Highest

Between locations

Kozani Ubud, Bali 10,910 km ≈ 14 h nonstop flight

From you

Kozani
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

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

Ubud, Bali costs about 6% more than Kozani, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,927 per month in Kozani 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 Kozani, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $401 per month in Kozani and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 11% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Kozani, where all-in costs run around $1,284, than in Ubud, Bali at $1,368. In Kozani 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. Kozani costs $1,284 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 Kozani. 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.