Last update: Oct 2026

Cost of Living Comparison Between Nalchik and Ubud, Bali

For one person, living is cheaper in Nalchik: $955 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,800 less a year. Rent and utilities account for most of the difference.

46

Cost of Living Index in Nalchik
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Nalchik Living Index
66

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

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Nalchik

🇷🇺 Russia

$955

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $955 per month in Nalchik vs $1,353 in Ubud, Bali, rent included.

Nalchik $955
Ubud, Bali $1,353

A couple spends around $1,474 per month in Nalchik vs $2,297 in Ubud, Bali, rent included.

Nalchik $1,474
Ubud, Bali $2,297

A family of three spends $1,994 per month in Nalchik vs $3,241 in Ubud, Bali, rent included.

Nalchik $1,994
Ubud, Bali $3,241

Nalchik is about 29% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Nalchik sits 30% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$10.62 ₽886

$3.23 Rp 58.1K

228.79%

Three-Course Dinner for Two, Mid-Range

$43.13 ₽3,600

$34.88 Rp 627.8K

23.65%

Fast Food Meal (McDonalds, etc)

$8.22 ₽686

$5.70 Rp 102.5K

44.21%

Cappuccino

$2.90 ₽242

$2.62 Rp 47.1K

10.69%

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

$1.17 ₽98.0

$1.72 Rp 31.0K

-31.98%

Water (0.33 liter bottle)

$0.44 ₽36.59

$0.81 Rp 14.6K

-45.68%

Local Beer (0.5 liter draught)

$1.22 ₽102

$2.65 Rp 47.7K

-53.96%

Imported Beer (0.33 liter bottle)

$1.46 ₽122

$4.37 Rp 78.6K

-66.59%

Milk (1 liter)

$1.72 ₽143

$1.57 Rp 28.3K

9.55%

White Bread (500g)

$0.38 ₽32.12

$2.19 Rp 39.5K

-82.65%

Rice (white) (1kg)

$0.91 ₽75.8

$1.18 Rp 21.2K

-22.88%

Eggs

$1.84 ₽153

$2.16 Rp 38.8K

-14.81%

Local Cheese (1kg)

$17.65 Rp 317.7K

Chicken Fillets (1kg)

$3.66 ₽305

$3.78 Rp 68.0K

-3.17%

Beef Round Steak (1kg)

$8.22 ₽686

$11.95 Rp 215.1K

-31.21%

Apples (1kg)

$2.37 ₽198

$3.60 Rp 64.8K

-34.17%

Banana (1kg)

$2.06 ₽172

$1.59 Rp 28.6K

29.56%

Oranges (1kg)

$2.12 ₽177

$2.31 Rp 41.6K

-8.23%

Tomato (1kg)

$2.56 ₽213

$1.91 Rp 34.3K

34.03%

Potato (1kg)

$1.53 ₽128

$1.78 Rp 32.1K

-14.04%

Onion (1kg)

$1.23 ₽102

$2.33 Rp 41.9K

-47.21%

Lettuce (1 head)

$1.48 ₽124

$1.00 Rp 18.0K

48.00%

Water (1.5 liter bottle)

$0.63 ₽52.5

$0.53 Rp 9,509

18.87%

Cigarettes 20 Pack (Marlboro, Camel)

$2.46 ₽205

$2.29 Rp 41.1K

7.42%

Wine (Bottle)

$6.21 ₽519

$22.07 Rp 397.3K

-71.86%

Local Beer (0.5 liter bottle)

$1.20 ₽99.9

$2.35 Rp 42.2K

-48.94%

Imported Beer (0.33 liter bottle)

$1.42 ₽119

$2.98 Rp 53.6K

-52.35%

One-way Ticket (Public Transport)

$0.38 ₽31.70

$0.23 Rp 4,112

65.22%

Public Transport Monthly Pass (Regular Price)

$30.61 ₽2,555

$8.90 Rp 160.2K

243.93%

Taxi Start (Normal Tariff)

$1.70 ₽142

$0.47 Rp 8,466

261.70%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

Gasoline (1 liter)

$1.02 ₽85.2

$0.83 Rp 14.9K

22.89%

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

$23.9K Rp 429.8M

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

$32.8K Rp 590.1M

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

$67.7 ₽5,650

$80.0 Rp 1.4M

-15.38%

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

$4.71 ₽393

$6.56 Rp 118.1K

-28.20%

Internet (50+ Mbps, Unlimited Data)

$12.02 ₽1,003

$18.60 Rp 334.8K

-35.38%

Gym Membership (Monthly)

$12.28 ₽1,025

$54.1 Rp 974.1K

-77.31%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.27 ₽357

$4.25 Rp 76.5K

0.47%

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

$245 ₽20.5K

$493 Rp 8.9M

-50.21%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$111 ₽9,297

$45.58 Rp 820.4K

144.38%

Summer Dress (H&M, Zara, etc)

$46.19 ₽3,855

$34.96 Rp 629.4K

32.12%

Sport Shoes (Adidas, Nike)

$172 ₽14.4K

$77.7 Rp 1.4M

121.68%

Men's Leather Business Shoes

$120 ₽9,999

$78.5 Rp 1.4M

52.59%

1-bedroom Apartment, City Center (Monthly)

$369 ₽30.8K

$1,131 Rp 20.4M

-67.42%

1-bedroom Apartment, Outside City Center (Monthly)

$291 ₽24.3K

$673 Rp 12.1M

-56.70%

3-bedroom Apartment, City Center (Monthly)

$534 ₽44.6K

$3,613 Rp 65.0M

-85.21%

3-bedroom Apartment, Outside City Center (Monthly)

$422 ₽35.2K

$1,702 Rp 30.6M

-75.22%

Buy Apartment in City Center (m2)

$491 ₽41.0K

$2,717 Rp 48.9M

-81.93%

Buy Apartment Outside City Center (m2)

$361 ₽30.1K

$2,241 Rp 40.3M

-83.89%

Average Monthly Net Salary (After Tax)

$395 ₽32.9K

$166 Rp 3.0M

137.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

17.5

13.78

27.00%

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

Last update for Nalchik: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Nalchik

$291 30.5%

Ubud, Bali

$673 49.7% 131% $382

Clothing & Footwear

Nalchik

$202 21.2%

Ubud, Bali

$107 7.9% 47.3% $96

Groceries & Markets

Nalchik

$162 * 17%

Ubud, Bali

$287 21.2% 77% $125

Eating Out

Nalchik

$160 16.7%

Ubud, Bali

$106 7.9% 33.4% $53

Monthly Utilities & Internet

Nalchik

$84 8.8%

Ubud, Bali

$105 7.8% 24.6% $21

Getting Around

Nalchik

$34 * 3.5%

Ubud, Bali

$12 0.9% 63.3% $21

Sport & Entertainment

Nalchik

$21 2.2%

Ubud, Bali

$63 4.6% 201% $42

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $369 in Nalchik versus $1,131 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 137% higher in Nalchik, 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 $43.00 in Nalchik versus $35.00 in Ubud, Bali. Groceries tell a different story – $162 in Nalchik vs $287 in Ubud, Bali – so Nalchik wins on supermarket bills even if dining out costs more.

Good to know

🇷🇺 Nalchik

🇮🇩 Ubud, Bali

🕒 Local time

16:29 4:29 PM

21:29 9:29 PM

5 h ahead of Nalchik

🌤 Weather

👥 Population

239,054

74,800

💱 Currency

Russian Ruble RUB ₽

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 RUB = 1.2 USD

100 RUB = 1.07 EUR

100,000 IDR = 5.56 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 25, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

Indonesian Rupiah exchange rates as of October 25, 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 RUB in detail →

On the map

Lowest

Highest

Between locations

Nalchik Ubud, Bali 9,220 km ≈ 12 h nonstop flight

From you

Nalchik
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

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

Monthly costs with rent: $955 in Nalchik, $1,353 in Ubud, Bali – roughly 42% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,432 per month in Nalchik and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 244% less in Nalchik. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $245 per month in Nalchik and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Nalchik, where all-in costs run around $955, than in Ubud, Bali at $1,353. In Nalchik it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $955 in Nalchik to $1,353 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Nalchik. 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.