Last update: Oct 2026

Cost of Living Comparison Between Murmansk and Ubud, Bali

For one person, living is cheaper in Murmansk: $1,095 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

53

Cost of Living Index in Murmansk
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Murmansk Living Index
65

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

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Murmansk

🇷🇺 Russia

$1,095

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,095 per month in Murmansk vs $1,349 in Ubud, Bali, rent included.

Murmansk $1,095
Ubud, Bali $1,349

A couple spends around $1,700 per month in Murmansk vs $2,305 in Ubud, Bali, rent included.

Murmansk $1,700
Ubud, Bali $2,305

A family of three spends $2,305 per month in Murmansk vs $3,261 in Ubud, Bali, rent included.

Murmansk $2,305
Ubud, Bali $3,261

Murmansk is about 19% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$11.01 ₽888

$3.32 Rp 60.4K

231.63%

Three-Course Dinner for Two, Mid-Range

$39.21 ₽3,162

$35.64 Rp 647.8K

10.02%

Fast Food Meal (McDonalds, etc)

$6.55 ₽528

$5.53 Rp 100.6K

18.44%

Cappuccino

$2.92 ₽236

$2.72 Rp 49.4K

7.35%

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

$1.21 ₽97.8

$1.70 Rp 30.9K

-28.82%

Water (0.33 liter bottle)

$0.63 ₽50.9

$0.76 Rp 13.8K

-17.11%

Local Beer (0.5 liter draught)

$1.61 ₽130

$2.65 Rp 48.2K

-39.25%

Imported Beer (0.33 liter bottle)

$3.30 ₽266

$4.38 Rp 79.6K

-24.66%

Milk (1 liter)

$1.15 ₽92.6

$1.49 Rp 27.1K

-22.82%

White Bread (500g)

$0.79 ₽63.7

$2.28 Rp 41.4K

-65.35%

Rice (white) (1kg)

$1.47 ₽119

$1.19 Rp 21.6K

23.53%

Eggs

$1.59 ₽128

$2.04 Rp 37.0K

-22.06%

Local Cheese (1kg)

$11.85 ₽956

$17.70 Rp 321.7K

-33.05%

Chicken Fillets (1kg)

$5.40 ₽436

$3.96 Rp 72.0K

36.36%

Beef Round Steak (1kg)

$11.90 ₽960

$12.19 Rp 221.6K

-2.38%

Apples (1kg)

$1.86 ₽150

$3.66 Rp 66.4K

-49.18%

Banana (1kg)

$1.66 ₽134

$1.52 Rp 27.6K

9.21%

Oranges (1kg)

$1.72 ₽139

$2.23 Rp 40.5K

-22.87%

Tomato (1kg)

$2.40 ₽194

$1.97 Rp 35.9K

21.83%

Potato (1kg)

$0.80 ₽64.3

$1.85 Rp 33.6K

-56.76%

Onion (1kg)

$0.60 ₽48.61

$2.42 Rp 44.1K

-75.21%

Lettuce (1 head)

$1.31 ₽106

$0.99 Rp 18.0K

32.32%

Water (1.5 liter bottle)

$0.65 ₽52.0

$0.51 Rp 9,332

27.45%

Cigarettes 20 Pack (Marlboro, Camel)

$3.34 ₽270

$2.22 Rp 40.4K

50.45%

Wine (Bottle)

$8.64 ₽697

$22.24 Rp 404.2K

-61.15%

Local Beer (0.5 liter bottle)

$1.08 ₽87.3

$2.26 Rp 41.1K

-52.21%

Imported Beer (0.33 liter bottle)

$2.11 ₽170

$2.97 Rp 54.0K

-28.96%

One-way Ticket (Public Transport)

$0.65 ₽52.1

$0.25 Rp 4,562

160.00%

Public Transport Monthly Pass (Regular Price)

$31.91 ₽2,573

$7.82 Rp 142.2K

308.06%

Taxi Start (Normal Tariff)

$2.59 ₽209

$0.44 Rp 7,989

488.64%

Taxi (Normal Tariff) (1km)

$0.38 ₽30.55

$0.43 Rp 7,817

-11.63%

Taxi 1hour Waiting (Normal Tariff)

$5.98 ₽483

$5.41 Rp 98.3K

10.54%

Gasoline (1 liter)

$0.83 ₽66.7

$0.82 Rp 15.0K

1.22%

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

$53.2K ₽4.3M

$23.8K Rp 433.3M

123.16%

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

$41.0K ₽3.3M

$31.7K Rp 577.0M

29.07%

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

$115 ₽9,294

$79.1 Rp 1.4M

45.76%

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

$6.73 ₽543

$6.45 Rp 117.2K

4.34%

Internet (50+ Mbps, Unlimited Data)

$8.69 ₽701

$18.58 Rp 337.7K

-53.23%

Gym Membership (Monthly)

$37.42 ₽3,018

$49.48 Rp 899.4K

-24.37%

Tennis Court (1 Hour on Weekend)

$24.10 ₽1,943

$17.65 Rp 320.8K

36.54%

Cinema Ticket

$6.49 ₽524

$4.27 Rp 77.7K

51.99%

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

$362 ₽29.2K

$491 Rp 8.9M

-26.18%

International Primary School, 1 Child (Yearly)

$6,537 ₽527.2K

$5,674 Rp 103.1M

15.21%

Jeans (Levis 501 Or Similar)

$84.8 ₽6,838

$44.64 Rp 811.4K

89.92%

Summer Dress (H&M, Zara, etc)

$53.9 ₽4,344

$34.95 Rp 635.3K

54.11%

Sport Shoes (Adidas, Nike)

$125 ₽10.0K

$79.9 Rp 1.5M

55.88%

Men's Leather Business Shoes

$107 ₽8,601

$79.4 Rp 1.4M

34.27%

1-bedroom Apartment, City Center (Monthly)

$482 ₽38.9K

$1,125 Rp 20.4M

-57.14%

1-bedroom Apartment, Outside City Center (Monthly)

$332 ₽26.8K

$671 Rp 12.2M

-50.49%

3-bedroom Apartment, City Center (Monthly)

$1,033 ₽83.3K

$3,565 Rp 64.8M

-71.02%

3-bedroom Apartment, Outside City Center (Monthly)

$571 ₽46.0K

$1,723 Rp 31.3M

-66.89%

Buy Apartment in City Center (m2)

$2,272 ₽183.2K

$2,732 Rp 49.6M

-16.84%

Buy Apartment Outside City Center (m2)

$1,523 ₽122.8K

$2,284 Rp 41.5M

-33.33%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

21.45

13.78

55.66%

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

Last update for Murmansk: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Murmansk

$332 30.4%

Ubud, Bali

$672 49.8% 102% $339

Groceries & Markets

Murmansk

$211 19.3%

Ubud, Bali

$288 21.4% 36.4% $77

Clothing & Footwear

Murmansk

$166 15.2%

Ubud, Bali

$108 8% 35.4% $59

Eating Out

Murmansk

$165 15.1%

Ubud, Bali

$108 8% 34.7% $57

Monthly Utilities & Internet

Murmansk

$131 11.9%

Ubud, Bali

$104 7.7% 20.3% $27

Sport & Entertainment

Murmansk

$50 4.6%

Ubud, Bali

$58 4.3% 15.1% $7.6

Getting Around

Murmansk

$39 3.6%

Ubud, Bali

$11 0.9% 70.7% $28

Cost Breakdown

A central one-bedroom costs $482 in Murmansk 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 $39 in Murmansk versus $36 in Ubud, Bali. Groceries tell a different story – $211 in Murmansk vs $288 in Ubud, Bali – so Murmansk wins on supermarket bills even if dining out costs more.

Good to know

🇷🇺 Murmansk

🇮🇩 Ubud, Bali

🕒 Local time

00:08 12:08 AM

05:08 5:08 AM

5 h ahead of Murmansk

🌤 Weather

👥 Population

282,851

74,800

💱 Currency

Russian Ruble RUB ₽

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 RUB = 1.24 USD

100 RUB = 1.11 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to RUB – Russian Ruble Converter

🇺🇸 United States Dollar ($)

🇷🇺 Russian Ruble (₽)

Russian Ruble exchange rates as of October 28, 2026: 1 USD = 80.65 RUB (100 RUB = 1.24 USD). 1 EUR = 89.78 RUB (100 RUB = 1.11 EUR).

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 RUB in detail →

On the map

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Highest

Between locations

Murmansk Ubud, Bali 10,580 km ≈ 14 h nonstop flight

From you

Murmansk
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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

Monthly costs with rent: $1,095 in Murmansk, $1,349 in Ubud, Bali – Murmansk comes out roughly 19% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,643 per month in Murmansk 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 Murmansk, especially for central apartments: a one-bedroom in the center costs $482 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,095 in Murmansk and $1,349 in Ubud, Bali. That makes Murmansk about 19% cheaper.

Public transport costs about 75% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 covers both cities comfortably – all-in costs are $1,095 in Murmansk and $1,349 in Ubud, Bali, leaving budget for savings and extras in both cases.

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

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