Last update: Oct 2026

Cost of Living Comparison Between Oulu and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,878 in Oulu, rent and utilities included – about $6,300 less a year. Other living expenses account for most of the difference.

91

Cost of Living Index in Oulu
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Oulu Living Index
65

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

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Oulu

🇫🇮 Finland

$1,878

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,878 in Oulu versus $1,349 in Ubud, Bali.

Oulu $1,878
Ubud, Bali $1,349

Estimated couple costs with rent: $2,905 in Oulu versus $2,305 in Ubud, Bali.

Oulu $2,905
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,932 in Oulu versus $3,261 in Ubud, Bali.

Oulu $3,932
Ubud, Bali $3,261

Living in Oulu is roughly 39% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$17.48 €15.66

$3.32 Rp 60.3K

426.51%

Three-Course Dinner for Two, Mid-Range

$90.5 €81.1

$35.64 Rp 646.5K

153.87%

Fast Food Meal (McDonalds, etc)

$15.02 €13.46

$5.53 Rp 100.4K

171.61%

Cappuccino

$4.83 €4.33

$2.72 Rp 49.3K

77.57%

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

$2.95 €2.65

$1.70 Rp 30.9K

73.53%

Water (0.33 liter bottle)

$2.28 €2.05

$0.76 Rp 13.8K

200.00%

Local Beer (0.5 liter draught)

$7.68 €6.88

$2.65 Rp 48.1K

189.81%

Imported Beer (0.33 liter bottle)

$7.96 €7.13

$4.38 Rp 79.5K

81.74%

Milk (1 liter)

$1.19 €1.07

$1.49 Rp 27.0K

-20.13%

White Bread (500g)

$2.28 €2.05

$2.28 Rp 41.3K

Rice (white) (1kg)

$2.78 €2.49

$1.19 Rp 21.6K

133.61%

Eggs

$3.16 €2.84

$2.04 Rp 36.9K

54.90%

Local Cheese (1kg)

$7.40 €6.63

$17.70 Rp 321.1K

-58.19%

Chicken Fillets (1kg)

$13.67 €12.25

$3.96 Rp 71.9K

245.20%

Beef Round Steak (1kg)

$22.93 €20.55

$12.19 Rp 221.1K

88.11%

Apples (1kg)

$2.31 €2.07

$3.66 Rp 66.3K

-36.89%

Banana (1kg)

$1.97 €1.76

$1.52 Rp 27.5K

29.61%

Oranges (1kg)

$2.10 €1.88

$2.23 Rp 40.4K

-5.83%

Tomato (1kg)

$4.20 €3.77

$1.97 Rp 35.8K

113.20%

Potato (1kg)

$0.97 €0.87

$1.85 Rp 33.5K

-47.57%

Onion (1kg)

$1.64 €1.47

$2.42 Rp 44.0K

-32.23%

Lettuce (1 head)

$2.69 €2.41

$0.99 Rp 18.0K

171.72%

Water (1.5 liter bottle)

$1.61 €1.44

$0.51 Rp 9,313

215.69%

Cigarettes 20 Pack (Marlboro, Camel)

$13.25 €11.87

$2.22 Rp 40.3K

496.85%

Wine (Bottle)

$12.35 €11.07

$22.24 Rp 403.4K

-44.47%

Local Beer (0.5 liter bottle)

$3.62 €3.24

$2.26 Rp 41.0K

60.18%

Imported Beer (0.33 liter bottle)

$3.09 €2.77

$2.97 Rp 53.9K

4.04%

One-way Ticket (Public Transport)

$2.99 €2.68

$0.25 Rp 4,553

1096.00%

Public Transport Monthly Pass (Regular Price)

$63.4 €56.8

$7.82 Rp 141.9K

710.74%

Taxi Start (Normal Tariff)

$9.58 €8.58

$0.44 Rp 7,972

2077.27%

Taxi (Normal Tariff) (1km)

$1.58 €1.41

$0.43 Rp 7,801

267.44%

Taxi 1hour Waiting (Normal Tariff)

$55.5 €49.69

$5.41 Rp 98.1K

925.14%

Gasoline (1 liter)

$2.24 €2.01

$0.82 Rp 15.0K

173.17%

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

$35.9K €32.2K

$23.8K Rp 432.4M

50.65%

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

$37.0K €33.1K

$31.7K Rp 575.9M

16.46%

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

$116 €104

$79.1 Rp 1.4M

46.51%

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

$25.74 €23.06

$6.45 Rp 116.9K

299.07%

Internet (50+ Mbps, Unlimited Data)

$21.15 €18.95

$18.58 Rp 337.0K

13.83%

Gym Membership (Monthly)

$37.45 €33.55

$49.48 Rp 897.5K

-24.31%

Tennis Court (1 Hour on Weekend)

$19.34 €17.33

$17.65 Rp 320.1K

9.58%

Cinema Ticket

$17.03 €15.26

$4.27 Rp 77.5K

298.83%

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

$519 €465

$491 Rp 8.9M

5.74%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

Jeans (Levis 501 Or Similar)

$91.4 €81.9

$44.64 Rp 809.7K

104.82%

Summer Dress (H&M, Zara, etc)

$44.05 €39.47

$34.95 Rp 634.0K

26.04%

Sport Shoes (Adidas, Nike)

$109 €98.0

$79.9 Rp 1.4M

36.83%

Men's Leather Business Shoes

$209 €188

$79.4 Rp 1.4M

163.62%

1-bedroom Apartment, City Center (Monthly)

$848 €760

$1,125 Rp 20.4M

-24.61%

1-bedroom Apartment, Outside City Center (Monthly)

$673 €603

$671 Rp 12.2M

0.16%

3-bedroom Apartment, City Center (Monthly)

$1,384 €1,240

$3,565 Rp 64.7M

-61.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,040 €932

$1,723 Rp 31.3M

-39.66%

Buy Apartment in City Center (m2)

$3,725 €3,338

$2,732 Rp 49.5M

36.37%

Buy Apartment Outside City Center (m2)

$1,990 €1,783

$2,284 Rp 41.4M

-12.86%

Average Monthly Net Salary (After Tax)

$2,504 €2,244

$164 Rp 3.0M

1428.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.1

13.78

-70.25%

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

Last update for Oulu: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Oulu

$673 35.8%

Ubud, Bali

$672 49.8% 0.2% $1

Groceries & Markets

Oulu

$356 19%

Ubud, Bali

$288 21.4% 18.9% $67

Eating Out

Oulu

$318 16.9%

Ubud, Bali

$108 8% 66.1% $210

Clothing & Footwear

Oulu

$204 10.9%

Ubud, Bali

$108 8% 47.4% $97

Monthly Utilities & Internet

Oulu

$163 8.7%

Ubud, Bali

$104 7.7% 36% $59

Getting Around

Oulu

$93 4.9%

Ubud, Bali

$11 0.9% 87.7% $81

Sport & Entertainment

Oulu

$72 3.8%

Ubud, Bali

$58 4.3% 18.8% $13

Cost Breakdown

A one-bedroom apartment in the center runs $848 in Oulu and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oulu pays about 15 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $90 in Oulu vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $356 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Oulu

🇮🇩 Ubud, Bali

🕒 Local time

09:04 9:04 AM

15:04 3:04 PM

6 h ahead of Oulu

🌤 Weather

👥 Population

214,651

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Oulu Ubud, Bali 10,850 km ≈ 14 h nonstop flight

From you

Oulu
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

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

Ubud, Bali wins on cost – living expenses run 28% lower than in Oulu. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Oulu is about 15 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $848 in Oulu versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $90 in Oulu. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,878 per month in Oulu versus $1,349 in Ubud, Bali – Ubud, Bali is about 28% 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, Oulu 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, Oulu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.