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: $3,061 in Njardvik versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $4,716 in Njardvik versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $6,371 in Njardvik versus $3,694 in Ubud, Bali.

Living in Njardvik is roughly 118% more expensive than Ubud, Bali, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Njardvik 128% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$24.24 ISK 3,018

$3.57 Rp 64.0K

578.99%

Three-Course Dinner for Two, Mid-Range

$95.0 ISK 11.8K

$32.50 Rp 582.3K

192.25%

Fast Food Meal (McDonalds, etc)

$16.37 ISK 2,038

$4.86 Rp 87.1K

236.83%

Cappuccino

$5.97 ISK 743

$2.75 Rp 49.2K

117.09%

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

$1.63 ISK 203

$1.32 Rp 23.7K

23.48%

Water (0.33 liter bottle)

$2.33 ISK 290

$0.70 Rp 12.6K

232.86%

Local Beer (0.5 liter draught)

$10.46 ISK 1,303

$2.91 Rp 52.2K

259.45%

Imported Beer (0.33 liter bottle)

$11.41 ISK 1,420

$3.79 Rp 68.0K

201.06%

Milk (1 liter)

$1.93 ISK 241

$1.71 Rp 30.6K

12.87%

White Bread (500g)

$4.35 ISK 541

$2.47 Rp 44.3K

76.11%

Rice (white) (1kg)

$3.71 ISK 462

$1.20 Rp 21.5K

209.17%

Eggs

$6.32 ISK 787

$2.44 Rp 43.8K

159.02%

Local Cheese (1kg)

$18.26 ISK 2,273

$14.38 Rp 257.7K

26.98%

Chicken Fillets (1kg)

$24.23 ISK 3,016

$4.31 Rp 77.1K

462.18%

Beef Round Steak (1kg)

$42.48 ISK 5,289

$12.21 Rp 218.7K

247.91%

Apples (1kg)

$3.32 ISK 413

$3.68 Rp 66.0K

-9.78%

Banana (1kg)

$2.49 ISK 310

$1.55 Rp 27.8K

60.65%

Oranges (1kg)

$2.97 ISK 370

$2.79 Rp 49.9K

6.45%

Tomato (1kg)

$5.02 ISK 625

$2.33 Rp 41.8K

115.45%

Potato (1kg)

$3.52 ISK 438

$1.97 Rp 35.3K

78.68%

Onion (1kg)

$2.41 ISK 300

$2.31 Rp 41.4K

4.33%

Lettuce (1 head)

$3.10 ISK 386

$1.06 Rp 19.1K

192.45%

Water (1.5 liter bottle)

$2.00 ISK 249

$0.73 Rp 13.1K

173.97%

Cigarettes 20 Pack (Marlboro, Camel)

$13.52 ISK 1,683

$3.28 Rp 58.8K

312.20%

Wine (Bottle)

$23.74 ISK 2,956

$22.79 Rp 408.4K

4.17%

Local Beer (0.5 liter bottle)

$3.74 ISK 465

$2.81 Rp 50.3K

33.10%

Imported Beer (0.33 liter bottle)

$3.30 ISK 411

$2.78 Rp 49.9K

18.71%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$6.48 ISK 807

$0.45 Rp 8,047

1340.00%

Taxi (Normal Tariff) (1km)

$2.63 ISK 327

$0.45 Rp 8,094

484.44%

Taxi 1hour Waiting (Normal Tariff)

$87.2 ISK 10.9K

$6.24 Rp 111.7K

1297.12%

Gasoline (1 liter)

$2.56 ISK 319

$0.85 Rp 15.2K

201.18%

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

$46.5K ISK 5.8M

$26.0K Rp 465.4M

79.10%

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

$52.4K ISK 6.5M

$31.7K Rp 567.2M

65.50%

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

$86.2 ISK 10.7K

$80.8 Rp 1.4M

6.75%

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

$27.96 ISK 3,481

$4.06 Rp 72.7K

588.67%

Internet (50+ Mbps, Unlimited Data)

$85.9 ISK 10.7K

$24.42 Rp 437.6K

251.88%

Gym Membership (Monthly)

$81.3 ISK 10.1K

$97.7 Rp 1.7M

-16.81%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$17.85 ISK 2,223

$4.04 Rp 72.4K

341.83%

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

$323 ISK 40.2K

$304 Rp 5.4M

6.10%

International Primary School, 1 Child (Yearly)

$29.9K ISK 3.7M

$6,621 Rp 118.6M

350.97%

Jeans (Levis 501 Or Similar)

$120 ISK 14.9K

$54.2 Rp 971.7K

121.32%

Summer Dress (H&M, Zara, etc)

$62.7 ISK 7,810

$38.78 Rp 694.7K

61.76%

Sport Shoes (Adidas, Nike)

$185 ISK 23.0K

$86.1 Rp 1.5M

114.66%

Men's Leather Business Shoes

$264 ISK 32.9K

$76.7 Rp 1.4M

244.49%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

1-bedroom Apartment, Outside City Center (Monthly)

$1,459 ISK 181.7K

$658 Rp 11.8M

121.77%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

3-bedroom Apartment, Outside City Center (Monthly)

$2,667 ISK 332.0K

$2,066 Rp 37.0M

29.09%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

Average Monthly Net Salary (After Tax)

$3,931 ISK 489.4K

$163 Rp 2.9M

2305.54%

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: June 8, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

Njardvik pays 2306% 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 $599 vs $297 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, Sport & Entertainment, Monthly Utilities & Internet. The 118% gap adds up to real monthly savings that compound significantly over time.

Njardvik pays 2306% 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 102% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,061 per month in Njardvik versus $1,404 in Ubud, Bali – a 118% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,404 in Ubud, Bali versus $3,061 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 118% less than in Njardvik. Beyond cost, consider language, visa policies, and how big the international community is in each city.