Last update: Nov 2026

Cost of Living Comparison Between Njardvik and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $3,133 in Njardvik, rent and utilities included – about $21,600 less a year. Rent and utilities account for about half of the difference.

151

Cost of Living Index in Njardvik
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Njardvik Living Index
64

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

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Njardvik

🇮🇸 Iceland

$3,133

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,133 in Njardvik versus $1,331 in Ubud, Bali.

Njardvik $3,133
Ubud, Bali $1,331

Estimated couple costs with rent: $4,864 in Njardvik versus $2,255 in Ubud, Bali.

Njardvik $4,864
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $6,596 in Njardvik versus $3,180 in Ubud, Bali.

Njardvik $6,596
Ubud, Bali $3,180

Living in Njardvik is roughly 135% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Njardvik is 132% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$24.20 ISK 2,940

$3.38 Rp 61.3K

615.98%

Three-Course Dinner for Two, Mid-Range

$98.4 ISK 12.0K

$34.65 Rp 629.1K

183.90%

Fast Food Meal (McDonalds, etc)

$16.27 ISK 1,977

$5.57 Rp 101.2K

192.10%

Cappuccino

$6.46 ISK 784

$2.62 Rp 47.6K

146.56%

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

$1.61 ISK 195

$1.54 Rp 27.9K

4.55%

Water (0.33 liter bottle)

$2.41 ISK 292

$0.64 Rp 11.6K

276.56%

Local Beer (0.5 liter draught)

$10.53 ISK 1,280

$2.67 Rp 48.4K

294.38%

Imported Beer (0.33 liter bottle)

$12.43 ISK 1,510

$4.26 Rp 77.4K

191.78%

Milk (1 liter)

$2.12 ISK 258

$1.46 Rp 26.5K

45.21%

White Bread (500g)

$4.24 ISK 515

$2.29 Rp 41.6K

85.15%

Rice (white) (1kg)

$3.64 ISK 443

$1.11 Rp 20.1K

227.93%

Eggs

$7.20 ISK 875

$2.10 Rp 38.1K

242.86%

Local Cheese (1kg)

$21.85 ISK 2,655

$15.94 Rp 289.4K

37.08%

Chicken Fillets (1kg)

$24.79 ISK 3,012

$3.88 Rp 70.5K

538.92%

Beef Round Steak (1kg)

$41.37 ISK 5,027

$11.40 Rp 207.0K

262.89%

Apples (1kg)

$3.40 ISK 413

$3.55 Rp 64.5K

-4.23%

Banana (1kg)

$2.85 ISK 347

$1.54 Rp 27.9K

85.06%

Oranges (1kg)

$3.13 ISK 381

$2.23 Rp 40.5K

40.36%

Tomato (1kg)

$6.54 ISK 795

$1.97 Rp 35.8K

231.98%

Potato (1kg)

$3.95 ISK 480

$1.86 Rp 33.7K

112.37%

Onion (1kg)

$1.68 ISK 205

$2.42 Rp 43.9K

-30.58%

Lettuce (1 head)

$3.75 ISK 456

$1.02 Rp 18.6K

267.65%

Water (1.5 liter bottle)

$1.84 ISK 224

$0.52 Rp 9,483

253.85%

Cigarettes 20 Pack (Marlboro, Camel)

$13.70 ISK 1,665

$2.20 Rp 39.9K

522.73%

Wine (Bottle)

$23.83 ISK 2,896

$21.79 Rp 395.6K

9.36%

Local Beer (0.5 liter bottle)

$3.61 ISK 439

$2.33 Rp 42.2K

54.94%

Imported Beer (0.33 liter bottle)

$3.35 ISK 407

$2.97 Rp 53.9K

12.79%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$6.57 ISK 799

$0.44 Rp 7,947

1393.18%

Taxi (Normal Tariff) (1km)

$2.87 ISK 349

$0.47 Rp 8,496

510.64%

Taxi 1hour Waiting (Normal Tariff)

$81.0 ISK 9,846

$5.60 Rp 101.7K

1347.14%

Gasoline (1 liter)

$2.05 ISK 249

$0.83 Rp 15.0K

146.99%

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

$67.8K ISK 8.2M

$24.4K Rp 443.8M

177.18%

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

$56.3K ISK 6.8M

$31.7K Rp 575.5M

77.53%

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

$96.1 ISK 11.7K

$77.5 Rp 1.4M

24.02%

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

$32.14 ISK 3,905

$6.14 Rp 111.6K

423.45%

Internet (50+ Mbps, Unlimited Data)

$85.4 ISK 10.4K

$18.92 Rp 343.4K

351.16%

Gym Membership (Monthly)

$80.6 ISK 9,793

$51.0 Rp 925.8K

58.07%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$19.99 ISK 2,429

$4.38 Rp 79.6K

356.39%

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

$1,198 ISK 145.5K

$492 Rp 8.9M

143.19%

International Primary School, 1 Child (Yearly)

$26.0K ISK 3.2M

$12.2K Rp 221.9M

112.95%

Jeans (Levis 501 Or Similar)

$122 ISK 14.8K

$45.16 Rp 819.9K

169.26%

Summer Dress (H&M, Zara, etc)

$66.7 ISK 8,106

$34.89 Rp 633.4K

91.23%

Sport Shoes (Adidas, Nike)

$183 ISK 22.2K

$78.3 Rp 1.4M

133.66%

Men's Leather Business Shoes

$247 ISK 30.0K

$77.9 Rp 1.4M

217.16%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$1,462 ISK 177.6K

$665 Rp 12.1M

119.85%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$2,674 ISK 324.9K

$1,671 Rp 30.3M

60.06%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$4,080 ISK 495.7K

$166 Rp 3.0M

2352.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.81

13.78

-36.07%

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

Last update for Njardvik: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Njardvik

$1.5K 46.7%

Ubud, Bali

$665 50% 54.5% $797

Groceries & Markets

Njardvik

$625 19.9%

Ubud, Bali

$279 21% 55.3% $345

Eating Out

Njardvik

$413 13.2%

Ubud, Bali

$106 8% 74.4% $308

Clothing & Footwear

Njardvik

$278 8.9%

Ubud, Bali

$106 8% 61.8% $172

Monthly Utilities & Internet

Njardvik

$214 6.8%

Ubud, Bali

$103 7.7% 52% $111

Sport & Entertainment

Njardvik

$121 3.9%

Ubud, Bali

$60 4.5% 50.4% $61

Getting Around

Njardvik

$21 * 0.7%

Ubud, Bali

$12 0.9% 42.9% $9

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

Cost Breakdown

Njardvik pays about 25 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $98 in Njardvik vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $625 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇸 Njardvik

🇮🇩 Ubud, Bali

🕒 Local time

23:55 11:55 PM

07:55 7:55 AM

8 h ahead of Njardvik

🌤 Weather

👥 Population

6,000

74,800

💱 Currency

Icelandic Króna ISK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 ISK = 8.23 USD

1,000 ISK = 7.31 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, USD, EUR to ISK – Icelandic Króna Converter

🇺🇸 United States Dollar ($)

🇮🇸 Icelandic Króna (kr)

Icelandic Króna exchange rates as of November 4, 2026: 1 USD = 122 ISK (1,000 ISK = 8.23 USD). 1 EUR = 137 ISK (1,000 ISK = 7.31 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

USD to ISK in detail →

On the map

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Highest

Between locations

Njardvik Ubud, Bali 13,010 km ≈ 17 h nonstop flight

From you

Njardvik
Ubud, Bali

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

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 about 58% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Njardvik is about 25 times higher, 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 124% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $3,133 per month in Njardvik versus $1,331 in Ubud, Bali – Ubud, Bali is about 58% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Njardvik and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Njardvik on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.