Last update: Oct 2026

Cost of Living Comparison Between Penza and Ubud, Bali

For one person, living is cheaper in Penza: $782 a month against $1,353 in Ubud, Bali, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

35

Cost of Living Index in Penza
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Penza Living Index
66

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

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Penza

🇷🇺 Russia

$782

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $782 per month in Penza vs $1,353 in Ubud, Bali, rent included.

Penza $782
Ubud, Bali $1,353

A couple spends around $1,236 per month in Penza vs $2,297 in Ubud, Bali, rent included.

Penza $1,236
Ubud, Bali $2,297

A family of three spends $1,690 per month in Penza vs $3,241 in Ubud, Bali, rent included.

Penza $1,690
Ubud, Bali $3,241

Penza is about 42% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Penza sits 42% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.31 ₽694

$3.23 Rp 58.1K

157.28%

Three-Course Dinner for Two, Mid-Range

$36.30 ₽3,030

$34.88 Rp 627.8K

4.07%

Fast Food Meal (McDonalds, etc)

$7.79 ₽650

$5.70 Rp 102.5K

36.67%

Cappuccino

$3.50 ₽292

$2.62 Rp 47.1K

33.59%

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

$1.05 ₽87.3

$1.72 Rp 31.0K

-38.95%

Water (0.33 liter bottle)

$0.69 ₽57.4

$0.81 Rp 14.6K

-14.81%

Local Beer (0.5 liter draught)

$2.26 ₽189

$2.65 Rp 47.7K

-14.72%

Imported Beer (0.33 liter bottle)

$2.79 ₽233

$4.37 Rp 78.6K

-36.16%

Milk (1 liter)

$1.00 ₽83.5

$1.57 Rp 28.3K

-36.31%

White Bread (500g)

$0.46 ₽38.64

$2.19 Rp 39.5K

-79.00%

Rice (white) (1kg)

$1.18 Rp 21.2K

Eggs

$1.48 ₽124

$2.16 Rp 38.8K

-31.48%

Local Cheese (1kg)

$13.45 ₽1,122

$17.65 Rp 317.7K

-23.80%

Chicken Fillets (1kg)

$4.14 ₽346

$3.78 Rp 68.0K

9.52%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

Apples (1kg)

$3.60 Rp 64.8K

Banana (1kg)

$1.59 Rp 28.6K

Oranges (1kg)

$2.31 Rp 41.6K

Tomato (1kg)

$1.91 Rp 34.3K

Potato (1kg)

$1.78 Rp 32.1K

Onion (1kg)

$2.33 Rp 41.9K

Lettuce (1 head)

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.86 ₽72.0

$0.53 Rp 9,509

62.26%

Cigarettes 20 Pack (Marlboro, Camel)

$2.60 ₽217

$2.29 Rp 41.1K

13.54%

Wine (Bottle)

$9.11 ₽760

$22.07 Rp 397.3K

-58.72%

Local Beer (0.5 liter bottle)

$1.05 ₽87.3

$2.35 Rp 42.2K

-55.32%

Imported Beer (0.33 liter bottle)

$2.49 ₽208

$2.98 Rp 53.6K

-16.44%

One-way Ticket (Public Transport)

$0.37 ₽31.07

$0.23 Rp 4,112

60.87%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$2.50 ₽209

$0.47 Rp 8,466

431.91%

Taxi (Normal Tariff) (1km)

$0.25 ₽21.02

$0.43 Rp 7,737

-41.86%

Taxi 1hour Waiting (Normal Tariff)

$14.48 ₽1,209

$5.47 Rp 98.4K

164.72%

Gasoline (1 liter)

$0.83 ₽69.3

$0.83 Rp 14.9K

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

$36.8K ₽3.1M

$23.9K Rp 429.8M

53.93%

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

$42.6K ₽3.6M

$32.8K Rp 590.1M

30.04%

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

$83.6 ₽6,974

$80.0 Rp 1.4M

4.46%

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

$6.63 ₽554

$6.56 Rp 118.1K

1.07%

Internet (50+ Mbps, Unlimited Data)

$11.10 ₽926

$18.60 Rp 334.8K

-40.32%

Gym Membership (Monthly)

$81.7 ₽6,822

$54.1 Rp 974.1K

51.03%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$6.29 ₽525

$4.25 Rp 76.5K

48.00%

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

$357 ₽29.8K

$493 Rp 8.9M

-27.46%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$163 ₽13.6K

$45.58 Rp 820.4K

256.69%

Summer Dress (H&M, Zara, etc)

$73.8 ₽6,163

$34.96 Rp 629.4K

111.21%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

Men's Leather Business Shoes

$78.5 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$335 ₽28.0K

$1,131 Rp 20.4M

-70.36%

1-bedroom Apartment, Outside City Center (Monthly)

$199 ₽16.6K

$673 Rp 12.1M

-70.48%

3-bedroom Apartment, City Center (Monthly)

$481 ₽40.1K

$3,613 Rp 65.0M

-86.70%

3-bedroom Apartment, Outside City Center (Monthly)

$393 ₽32.8K

$1,702 Rp 30.6M

-76.90%

Buy Apartment in City Center (m2)

$2,254 ₽188.1K

$2,717 Rp 48.9M

-17.05%

Buy Apartment Outside City Center (m2)

$1,073 ₽89.5K

$2,241 Rp 40.3M

-52.14%

Average Monthly Net Salary (After Tax)

$595 ₽49.6K

$166 Rp 3.0M

257.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

74.17%

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

Last update for Penza: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Penza

$199 25.4%

Ubud, Bali

$673 49.7% 239% $474

Eating Out

Penza

$156 19.9%

Ubud, Bali

$106 7.9% 31.6% $49

Groceries & Markets

Penza

$120 * 15.4%

Ubud, Bali

$287 21.2% 139% $167

Clothing & Footwear

Penza

$106 * 13.6%

Ubud, Bali

$107 7.9% 0.2% $0.2

Monthly Utilities & Internet

Penza

$101 13%

Ubud, Bali

$105 7.8% 3.8% $3.9

Sport & Entertainment

Penza

$94 12.1%

Ubud, Bali

$63 4.6% 33.6% $32

Getting Around

Penza

$5.3 * 0.7%

Ubud, Bali

$12 0.9% 137% $7.2

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

Cost Breakdown

A central one-bedroom costs $335 in Penza versus $1,131 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 257% higher in Penza, 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 $36.00 in Penza versus $35.00 in Ubud, Bali. Groceries tell a different story – $120 in Penza vs $287 in Ubud, Bali – so Penza wins on supermarket bills even if dining out costs more.

Good to know

🇷🇺 Penza

🇮🇩 Ubud, Bali

🕒 Local time

14:38 2:38 PM

19:38 7:38 PM

5 h ahead of Penza

🌤 Weather

👥 Population

509,513

74,800

💱 Currency

Russian Ruble RUB ₽

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 RUB = 1.2 USD

100 RUB = 1.07 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to RUB – Russian Ruble Converter

🇺🇸 United States Dollar ($)

🇷🇺 Russian Ruble (₽)

Russian Ruble exchange rates as of October 20, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to RUB in detail →

On the map

Lowest

Highest

Between locations

Penza Ubud, Bali 9,490 km ≈ 12 h nonstop flight

From you

Penza
Ubud, Bali

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

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

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

Monthly costs with rent: $782 in Penza, $1,353 in Ubud, Bali – roughly 73% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,173 per month in Penza and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Penza, 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 $782 in Penza and $1,353 in Ubud, Bali. That's a gap of about 73%.

Kindergarten costs $357 per month in Penza and $493 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 Penza, where all-in costs run around $782, than in Ubud, Bali at $1,353. In Penza 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 $782 in Penza to $1,353 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 Penza. 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.