Last update: Nov 2026

Cost of Living Comparison Between Sarpsborg and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,872 in Sarpsborg, rent and utilities included – about $18,500 less a year. Other living expenses account for most of the difference.

138

Cost of Living Index in Sarpsborg
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Sarpsborg Living Index
64

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

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Sarpsborg

🇳🇴 Norway

$2,872

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,872 in Sarpsborg versus $1,331 in Ubud, Bali.

Sarpsborg $2,872
Ubud, Bali $1,331

Estimated couple costs with rent: $4,169 in Sarpsborg versus $2,255 in Ubud, Bali.

Sarpsborg $4,169
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $5,466 in Sarpsborg versus $3,180 in Ubud, Bali.

Sarpsborg $5,466
Ubud, Bali $3,180

Living in Sarpsborg is roughly 116% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Sarpsborg is 112% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$40.81 NOK 379

$3.38 Rp 61.0K

1107.40%

Three-Course Dinner for Two, Mid-Range

$99.3 NOK 921

$34.65 Rp 626.3K

186.46%

Fast Food Meal (McDonalds, etc)

$19.17 NOK 178

$5.57 Rp 100.7K

244.17%

Cappuccino

$5.74 NOK 53.3

$2.62 Rp 47.3K

119.08%

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

$2.88 NOK 26.75

$1.54 Rp 27.8K

87.01%

Water (0.33 liter bottle)

$2.67 NOK 24.77

$0.64 Rp 11.6K

317.19%

Local Beer (0.5 liter draught)

$6.60 NOK 61.2

$2.67 Rp 48.2K

147.19%

Imported Beer (0.33 liter bottle)

$8.19 NOK 76.0

$4.26 Rp 77.1K

92.25%

Milk (1 liter)

$2.32 NOK 21.49

$1.46 Rp 26.4K

58.90%

White Bread (500g)

$3.49 NOK 32.42

$2.29 Rp 41.4K

52.40%

Rice (white) (1kg)

$4.01 NOK 37.22

$1.11 Rp 20.0K

261.26%

Eggs

$4.56 NOK 42.30

$2.10 Rp 38.0K

117.14%

Local Cheese (1kg)

$12.54 NOK 116

$15.94 Rp 288.1K

-21.33%

Chicken Fillets (1kg)

$17.04 NOK 158

$3.88 Rp 70.2K

339.18%

Beef Round Steak (1kg)

$34.26 NOK 318

$11.40 Rp 206.1K

200.53%

Apples (1kg)

$3.85 NOK 35.74

$3.55 Rp 64.2K

8.45%

Banana (1kg)

$2.67 NOK 24.81

$1.54 Rp 27.8K

73.38%

Oranges (1kg)

$3.49 NOK 32.43

$2.23 Rp 40.3K

56.50%

Tomato (1kg)

$6.04 NOK 56.1

$1.97 Rp 35.6K

206.60%

Potato (1kg)

$2.84 NOK 26.39

$1.86 Rp 33.6K

52.69%

Onion (1kg)

$3.18 NOK 29.50

$2.42 Rp 43.7K

31.40%

Lettuce (1 head)

$2.65 NOK 24.61

$1.02 Rp 18.5K

159.80%

Water (1.5 liter bottle)

$2.59 NOK 24.00

$0.52 Rp 9,441

398.08%

Cigarettes 20 Pack (Marlboro, Camel)

$15.56 NOK 144

$2.20 Rp 39.7K

607.27%

Wine (Bottle)

$13.73 NOK 127

$21.79 Rp 393.8K

-36.99%

Local Beer (0.5 liter bottle)

$3.34 NOK 30.97

$2.33 Rp 42.0K

43.35%

Imported Beer (0.33 liter bottle)

$4.71 NOK 43.69

$2.97 Rp 53.7K

58.59%

One-way Ticket (Public Transport)

$2.62 NOK 24.36

$0.25 Rp 4,526

948.00%

Public Transport Monthly Pass (Regular Price)

$87.2 NOK 809

$8.17 Rp 147.8K

967.56%

Taxi Start (Normal Tariff)

$12.01 NOK 111

$0.44 Rp 7,912

2629.55%

Taxi (Normal Tariff) (1km)

$1.97 NOK 18.26

$0.47 Rp 8,458

319.15%

Taxi 1hour Waiting (Normal Tariff)

$63.8 NOK 592

$5.60 Rp 101.2K

1039.11%

Gasoline (1 liter)

$2.27 NOK 21.08

$0.83 Rp 15.0K

173.49%

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

$55.3K NOK 513.5K

$24.4K Rp 441.9M

126.32%

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

$47.2K NOK 437.7K

$31.7K Rp 572.9M

48.80%

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

$238 NOK 2,207

$77.5 Rp 1.4M

206.96%

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

$36.62 NOK 340

$6.14 Rp 111.1K

496.42%

Internet (50+ Mbps, Unlimited Data)

$47.03 NOK 436

$18.92 Rp 341.9K

148.57%

Gym Membership (Monthly)

$50.1 NOK 465

$51.0 Rp 921.7K

-1.82%

Tennis Court (1 Hour on Weekend)

$38.46 NOK 357

$18.25 Rp 329.8K

110.74%

Cinema Ticket

$19.49 NOK 181

$4.38 Rp 79.2K

344.98%

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

$239 NOK 2,217

$492 Rp 8.9M

-51.48%

International Primary School, 1 Child (Yearly)

$11.6K NOK 107.7K

$12.2K Rp 220.9M

-5.00%

Jeans (Levis 501 Or Similar)

$111 NOK 1,034

$45.16 Rp 816.3K

146.66%

Summer Dress (H&M, Zara, etc)

$66.9 NOK 621

$34.89 Rp 630.6K

91.66%

Sport Shoes (Adidas, Nike)

$125 NOK 1,158

$78.3 Rp 1.4M

59.30%

Men's Leather Business Shoes

$180 NOK 1,670

$77.9 Rp 1.4M

131.13%

1-bedroom Apartment, City Center (Monthly)

$1,224 NOK 11.4K

$1,078 Rp 19.5M

13.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,093 NOK 10.1K

$665 Rp 12.0M

64.32%

3-bedroom Apartment, City Center (Monthly)

$1,606 NOK 14.9K

$3,510 Rp 63.4M

-54.24%

3-bedroom Apartment, Outside City Center (Monthly)

$1,399 NOK 13.0K

$1,671 Rp 30.2M

-16.29%

Buy Apartment in City Center (m2)

$6,415 NOK 59.5K

$2,340 Rp 42.3M

174.12%

Buy Apartment Outside City Center (m2)

$4,241 NOK 39.4K

$2,236 Rp 40.4M

89.65%

Average Monthly Net Salary (After Tax)

$2,714 NOK 25.2K

$166 Rp 3.0M

1531.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.18

13.78

-62.41%

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

Last update for Sarpsborg: 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

Sarpsborg

$1.1K 38.1%

Ubud, Bali

$665 50% 39.1% $428

Eating Out

Sarpsborg

$524 18.3%

Ubud, Bali

$106 8% 79.8% $419

Groceries & Markets

Sarpsborg

$508 17.7%

Ubud, Bali

$279 21% 44.9% $228

Monthly Utilities & Internet

Sarpsborg

$321 11.2%

Ubud, Bali

$103 7.7% 68.1% $219

Clothing & Footwear

Sarpsborg

$217 7.6%

Ubud, Bali

$106 8% 51.1% $111

Getting Around

Sarpsborg

$120 4.2%

Ubud, Bali

$12 0.9% 90% $108

Sport & Entertainment

Sarpsborg

$89 3.1%

Ubud, Bali

$60 4.5% 32.9% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,224 in Sarpsborg and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Sarpsborg pays about 16 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $99 in Sarpsborg vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $508 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇴 Sarpsborg

🇮🇩 Ubud, Bali

🕒 Local time

23:53 11:53 PM

06:53 6:53 AM

7 h ahead of Sarpsborg

🌤 Weather

👥 Population

59,906

74,800

💱 Currency

Norwegian Krone NOK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NOK = 10.78 USD

100 NOK = 9.6 EUR

100,000 IDR = 5.53 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of November 5, 2026: 1 USD = 9.28 NOK (1 NOK = 0.108 USD). 1 EUR = 10.42 NOK (100 NOK = 9.6 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,075 IDR (100,000 IDR = 5.53 USD). 1 EUR = 20,291 IDR (100,000 IDR = 4.93 EUR).

USD to NOK in detail →

On the map

Lowest

Highest

Between locations

Sarpsborg Ubud, Bali 11,620 km ≈ 15 h nonstop flight

From you

Sarpsborg
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

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

Ubud, Bali wins on cost – living expenses run 54% lower than in Sarpsborg. 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 Sarpsborg is about 16 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: $1,224 in Sarpsborg versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 91% less than in Sarpsborg. The price difference matters if you commute daily and watch your budget.

Childcare runs $239 in Sarpsborg versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

Expats usually find Ubud, Bali gentler on the wallet – expenses run 54% less than in Sarpsborg. Beyond cost, consider language, visa policies, and how big the international community is in each city.