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

Monthly Cost of Living

A single person spends $939 per month in Nalchik vs $1,397 in Ubud, Bali, rent included.

A couple spends around $1,598 per month in Nalchik vs $2,588 in Ubud, Bali, rent included.

A family of three spends $2,257 per month in Nalchik vs $3,778 in Ubud, Bali, rent included.

Nalchik is about 33% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Nalchik sits 30% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$5.79 ₽450

$3.43 Rp 61.6K

68.80%

Three-Course Dinner for Two, Mid-Range

$34.93 ₽2,715

$31.97 Rp 574.4K

9.26%

Fast Food Meal (McDonalds, etc)

$8.02 ₽624

$5.05 Rp 90.8K

58.81%

Cappuccino

$3.52 ₽274

$2.71 Rp 48.8K

29.89%

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

$1.12 ₽87.4

$1.39 Rp 25.0K

-19.42%

Water (0.33 liter bottle)

$0.47 ₽36.46

$0.74 Rp 13.3K

-36.49%

Local Beer (0.5 liter draught)

$1.37 ₽106

$2.89 Rp 52.0K

-52.60%

Imported Beer (0.33 liter bottle)

$3.44 ₽268

$3.79 Rp 68.1K

-9.23%

Milk (1 liter)

$1.78 ₽138

$1.79 Rp 32.2K

-0.56%

White Bread (500g)

$0.91 ₽71.1

$2.51 Rp 45.0K

-63.75%

Rice (white) (1kg)

$2.40 ₽186

$1.21 Rp 21.8K

98.35%

Eggs

$2.46 ₽191

$2.37 Rp 42.5K

3.80%

Local Cheese (1kg)

$5.76 ₽448

$14.43 Rp 259.3K

-60.08%

Chicken Fillets (1kg)

$7.04 ₽547

$4.15 Rp 74.6K

69.64%

Beef Round Steak (1kg)

$10.48 ₽815

$12.11 Rp 217.7K

-13.46%

Apples (1kg)

$1.76 ₽137

$3.77 Rp 67.7K

-53.32%

Banana (1kg)

$1.90 ₽147

$1.63 Rp 29.2K

16.56%

Oranges (1kg)

$3.40 ₽264

$2.71 Rp 48.6K

25.46%

Tomato (1kg)

$3.53 ₽274

$2.26 Rp 40.5K

56.19%

Potato (1kg)

$1.19 ₽92.7

$1.93 Rp 34.6K

-38.34%

Onion (1kg)

$0.56 ₽43.25

$2.19 Rp 39.4K

-74.43%

Lettuce (1 head)

$0.45 ₽34.82

$1.02 Rp 18.3K

-55.88%

Water (1.5 liter bottle)

$1.14 ₽88.6

$0.72 Rp 12.9K

58.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.44 ₽267

$3.18 Rp 57.2K

8.18%

Wine (Bottle)

$7.68 ₽597

$23.84 Rp 428.3K

-67.79%

Local Beer (0.5 liter bottle)

$1.00 ₽78.1

$2.77 Rp 49.8K

-63.90%

Imported Beer (0.33 liter bottle)

$1.93 ₽150

$2.75 Rp 49.4K

-29.82%

One-way Ticket (Public Transport)

$0.42 ₽32.70

$0.27 Rp 4,802

55.56%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 147.3K

Taxi Start (Normal Tariff)

$2.61 ₽203

$0.48 Rp 8,684

443.75%

Taxi (Normal Tariff) (1km)

$0.30 ₽23.58

$0.42 Rp 7,571

-28.57%

Taxi 1hour Waiting (Normal Tariff)

$3.79 ₽294

$6.03 Rp 108.3K

-37.15%

Gasoline (1 liter)

$0.91 ₽70.8

$0.82 Rp 14.7K

10.98%

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

$38.1K ₽3.0M

$26.6K Rp 477.3M

43.49%

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

$64.7K ₽5.0M

$32.2K Rp 578.6M

100.86%

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

$37.83 ₽2,940

$78.3 Rp 1.4M

-51.65%

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

$7.44 ₽578

$3.91 Rp 70.3K

90.28%

Internet (50+ Mbps, Unlimited Data)

$4.93 ₽383

$23.91 Rp 429.7K

-79.38%

Gym Membership (Monthly)

$37.92 ₽2,947

$96.2 Rp 1.7M

-60.57%

Tennis Court (1 Hour on Weekend)

$6.40 ₽498

$6.53 Rp 117.3K

-1.99%

Cinema Ticket

$3.73 ₽290

$4.01 Rp 72.1K

-6.98%

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

$319 ₽24.8K

$303 Rp 5.4M

5.43%

International Primary School, 1 Child (Yearly)

$6,868 ₽533.8K

$6,551 Rp 117.7M

4.84%

Jeans (Levis 501 Or Similar)

$69.1 ₽5,371

$55.3 Rp 993.9K

24.93%

Summer Dress (H&M, Zara, etc)

$44.96 ₽3,495

$38.32 Rp 688.6K

17.33%

Sport Shoes (Adidas, Nike)

$115 ₽8,921

$88.5 Rp 1.6M

29.71%

Men's Leather Business Shoes

$108 ₽8,397

$76.7 Rp 1.4M

40.77%

1-bedroom Apartment, City Center (Monthly)

$452 ₽35.1K

$986 Rp 17.7M

-54.15%

1-bedroom Apartment, Outside City Center (Monthly)

$324 ₽25.1K

$682 Rp 12.3M

-52.56%

3-bedroom Apartment, City Center (Monthly)

$1,021 ₽79.4K

$3,420 Rp 61.5M

-70.15%

3-bedroom Apartment, Outside City Center (Monthly)

$766 ₽59.5K

$2,075 Rp 37.3M

-63.08%

Buy Apartment in City Center (m2)

$500 ₽38.9K

$2,762 Rp 49.6M

-81.89%

Buy Apartment Outside City Center (m2)

$390 ₽30.3K

$2,243 Rp 40.3M

-82.63%

Average Monthly Net Salary (After Tax)

$404 ₽31.4K

$169 Rp 3.0M

139.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

50.60%

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

Last update for Nalchik: July 21, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A central one-bedroom costs $452 in Nalchik versus $986 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 139% 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 $35.00 in Nalchik versus $32.00 in Ubud, Bali. Groceries tell a different story – $226 in Nalchik vs $298 in Ubud, Bali – so Nalchik wins on supermarket bills even if dining out costs more.

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: $939 in Nalchik, $1,397 in Ubud, Bali – roughly 49% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,409 per month in Nalchik and $2,096 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.

Monthly expenses with rent come to $939 in Nalchik and $1,397 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $319 per month in Nalchik and $303 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 $939, than in Ubud, Bali at $1,397. 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 $939 in Nalchik to $1,397 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.