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

Monthly Cost of Living

Monthly costs for one person with rent: $3,074 in Njardvik versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $4,807 in Njardvik versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $6,541 in Njardvik versus $3,732 in Ubud, Bali.

Living in Njardvik is roughly 114% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Njardvik 130% above, Ubud, Bali 7% above.

Meal at Budget Restaurant

$24.55 ISK 3,007

$3.57 Rp 61.6K

587.68%

Three-Course Dinner for Two, Mid-Range

$95.1 ISK 11.6K

$32.58 Rp 562.6K

191.84%

Fast Food Meal (McDonalds, etc)

$16.24 ISK 1,989

$5.07 Rp 87.5K

220.32%

Cappuccino

$6.13 ISK 751

$2.83 Rp 48.8K

116.61%

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

$1.64 ISK 201

$1.34 Rp 23.1K

22.39%

Water (0.33 liter bottle)

$2.43 ISK 297

$0.69 Rp 12.0K

252.17%

Local Beer (0.5 liter draught)

$10.35 ISK 1,268

$2.99 Rp 51.6K

246.15%

Imported Beer (0.33 liter bottle)

$11.45 ISK 1,402

$3.85 Rp 66.4K

197.40%

Milk (1 liter)

$1.94 ISK 238

$1.74 Rp 30.1K

11.49%

White Bread (500g)

$4.18 ISK 512

$2.54 Rp 43.8K

64.57%

Rice (white) (1kg)

$3.72 ISK 455

$1.19 Rp 20.6K

212.61%

Eggs

$6.48 ISK 794

$2.43 Rp 41.9K

166.67%

Local Cheese (1kg)

$17.99 ISK 2,203

$14.66 Rp 253.2K

22.71%

Chicken Fillets (1kg)

$23.66 ISK 2,898

$4.18 Rp 72.1K

466.03%

Beef Round Steak (1kg)

$42.52 ISK 5,208

$11.94 Rp 206.1K

256.11%

Apples (1kg)

$3.25 ISK 398

$3.69 Rp 63.6K

-11.92%

Banana (1kg)

$2.50 ISK 306

$1.61 Rp 27.7K

55.28%

Oranges (1kg)

$3.00 ISK 368

$2.69 Rp 46.4K

11.52%

Tomato (1kg)

$4.92 ISK 603

$2.33 Rp 40.2K

111.16%

Potato (1kg)

$3.69 ISK 451

$1.91 Rp 32.9K

93.19%

Onion (1kg)

$2.31 ISK 283

$2.19 Rp 37.7K

5.48%

Lettuce (1 head)

$3.15 ISK 385

$1.06 Rp 18.3K

197.17%

Water (1.5 liter bottle)

$2.00 ISK 245

$0.72 Rp 12.5K

177.78%

Cigarettes 20 Pack (Marlboro, Camel)

$13.51 ISK 1,655

$3.13 Rp 54.1K

331.63%

Wine (Bottle)

$23.29 ISK 2,852

$23.49 Rp 405.6K

-0.85%

Local Beer (0.5 liter bottle)

$3.73 ISK 457

$2.74 Rp 47.3K

36.13%

Imported Beer (0.33 liter bottle)

$3.26 ISK 400

$2.88 Rp 49.7K

13.19%

One-way Ticket (Public Transport)

$0.29 Rp 5,010

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.0K

Taxi Start (Normal Tariff)

$6.23 ISK 762

$0.45 Rp 7,834

1284.44%

Taxi (Normal Tariff) (1km)

$2.57 ISK 315

$0.42 Rp 7,278

511.90%

Taxi 1hour Waiting (Normal Tariff)

$87.6 ISK 10.7K

$6.16 Rp 106.3K

1322.56%

Gasoline (1 liter)

$2.45 ISK 300

$0.84 Rp 14.5K

191.67%

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

$47.5K ISK 5.8M

$26.2K Rp 453.1M

80.90%

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

$51.3K ISK 6.3M

$32.5K Rp 560.8M

57.93%

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

$87.6 ISK 10.7K

$78.4 Rp 1.4M

11.71%

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

$27.85 ISK 3,410

$3.95 Rp 68.2K

605.06%

Internet (50+ Mbps, Unlimited Data)

$86.0 ISK 10.5K

$24.40 Rp 421.4K

252.58%

Gym Membership (Monthly)

$79.0 ISK 9,673

$96.5 Rp 1.7M

-18.18%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 109.6K

Cinema Ticket

$17.41 ISK 2,132

$4.04 Rp 69.7K

330.94%

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

$315 ISK 38.6K

$303 Rp 5.2M

4.07%

International Primary School, 1 Child (Yearly)

$30.4K ISK 3.7M

$6,523 Rp 112.6M

366.74%

Jeans (Levis 501 Or Similar)

$119 ISK 14.5K

$53.8 Rp 929.5K

120.30%

Summer Dress (H&M, Zara, etc)

$61.3 ISK 7,507

$37.98 Rp 655.8K

61.40%

Sport Shoes (Adidas, Nike)

$181 ISK 22.2K

$86.8 Rp 1.5M

109.01%

Men's Leather Business Shoes

$269 ISK 32.9K

$78.9 Rp 1.4M

240.97%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

1-bedroom Apartment, Outside City Center (Monthly)

$1,456 ISK 178.3K

$674 Rp 11.6M

115.90%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.5M

3-bedroom Apartment, Outside City Center (Monthly)

$2,643 ISK 323.7K

$2,098 Rp 36.2M

25.99%

Buy Apartment in City Center (m2)

$2,985 Rp 51.5M

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.4M

Average Monthly Net Salary (After Tax)

$3,981 ISK 487.6K

$173 Rp 3.0M

2199.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.63

13.28

-27.48%

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

Last update for Njardvik: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

Njardvik pays 2200% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $95.0 in Njardvik vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $594 vs $298 per month, with Ubud, Bali cheaper across the board.

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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Sport & Entertainment. The 114% gap adds up to real monthly savings that compound significantly over time.

Njardvik pays 2200% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Supermarket bills run roughly 99% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,074 per month in Njardvik versus $1,438 in Ubud, Bali – a 114% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,438 in Ubud, Bali versus $3,074 in Njardvik, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Njardvik. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Njardvik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Njardvik and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 114% less than in Njardvik. Beyond cost, consider language, visa policies, and how big the international community is in each city.