Last update: Oct 2026

Cost of Living Comparison Between Sumy and Ubud, Bali

For one person, living is cheaper in Sumy: $941 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,900 less a year. Rent and utilities account for most of the difference.

46

Cost of Living Index in Sumy
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Sumy Living Index
65

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

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Sumy

🇺🇦 Ukraine

$941

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $941 per month in Sumy vs $1,349 in Ubud, Bali, rent included.

Sumy $941
Ubud, Bali $1,349

A couple spends around $1,610 per month in Sumy vs $2,305 in Ubud, Bali, rent included.

Sumy $1,610
Ubud, Bali $2,305

A family of three spends $2,279 per month in Sumy vs $3,261 in Ubud, Bali, rent included.

Sumy $2,279
Ubud, Bali $3,261

Sumy is about 30% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$10.89 ₴496

$3.32 Rp 60.3K

228.01%

Three-Course Dinner for Two, Mid-Range

$32.99 ₴1,502

$35.64 Rp 646.5K

-7.44%

Fast Food Meal (McDonalds, etc)

$7.49 ₴341

$5.53 Rp 100.4K

35.44%

Cappuccino

$1.80 ₴81.7

$2.72 Rp 49.3K

-33.82%

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

$0.78 ₴35.63

$1.70 Rp 30.9K

-54.12%

Water (0.33 liter bottle)

$0.53 ₴24.28

$0.76 Rp 13.8K

-30.26%

Local Beer (0.5 liter draught)

$1.33 ₴60.7

$2.65 Rp 48.1K

-49.81%

Imported Beer (0.33 liter bottle)

$1.94 ₴88.4

$4.38 Rp 79.5K

-55.71%

Milk (1 liter)

$1.27 ₴58.1

$1.49 Rp 27.0K

-14.77%

White Bread (500g)

$0.84 ₴38.32

$2.28 Rp 41.3K

-63.16%

Rice (white) (1kg)

$1.42 ₴64.8

$1.19 Rp 21.6K

19.33%

Eggs

$1.95 ₴88.6

$2.04 Rp 36.9K

-4.41%

Local Cheese (1kg)

$10.13 ₴461

$17.70 Rp 321.1K

-42.77%

Chicken Fillets (1kg)

$5.29 ₴241

$3.96 Rp 71.9K

33.59%

Beef Round Steak (1kg)

$8.46 ₴385

$12.19 Rp 221.1K

-30.60%

Apples (1kg)

$1.18 ₴53.7

$3.66 Rp 66.3K

-67.76%

Banana (1kg)

$1.51 ₴68.6

$1.52 Rp 27.5K

-0.66%

Oranges (1kg)

$1.81 ₴82.3

$2.23 Rp 40.4K

-18.83%

Tomato (1kg)

$2.69 ₴122

$1.97 Rp 35.8K

36.55%

Potato (1kg)

$0.58 ₴26.53

$1.85 Rp 33.5K

-68.65%

Onion (1kg)

$0.44 ₴20.12

$2.42 Rp 44.0K

-81.82%

Lettuce (1 head)

$1.48 ₴67.4

$0.99 Rp 18.0K

49.49%

Water (1.5 liter bottle)

$0.59 ₴26.89

$0.51 Rp 9,313

15.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.85 ₴130

$2.22 Rp 40.3K

28.38%

Wine (Bottle)

$5.47 ₴249

$22.24 Rp 403.4K

-75.40%

Local Beer (0.5 liter bottle)

$0.85 ₴38.84

$2.26 Rp 41.0K

-62.39%

Imported Beer (0.33 liter bottle)

$0.96 ₴43.65

$2.97 Rp 53.9K

-67.68%

One-way Ticket (Public Transport)

$0.32 ₴14.42

$0.25 Rp 4,553

28.00%

Public Transport Monthly Pass (Regular Price)

$9.23 ₴420

$7.82 Rp 141.9K

18.03%

Taxi Start (Normal Tariff)

$2.20 ₴100

$0.44 Rp 7,972

400.00%

Taxi (Normal Tariff) (1km)

$0.46 ₴20.95

$0.43 Rp 7,801

6.98%

Taxi 1hour Waiting (Normal Tariff)

$4.20 ₴191

$5.41 Rp 98.1K

-22.37%

Gasoline (1 liter)

$1.57 ₴71.5

$0.82 Rp 15.0K

91.46%

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

$30.6K ₴1.4M

$23.8K Rp 432.4M

28.15%

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

$24.1K ₴1.1M

$31.7K Rp 575.9M

-24.23%

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

$99.1 ₴4,510

$79.1 Rp 1.4M

25.30%

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

$6.80 ₴310

$6.45 Rp 116.9K

5.43%

Internet (50+ Mbps, Unlimited Data)

$6.53 ₴297

$18.58 Rp 337.0K

-64.85%

Gym Membership (Monthly)

$30.27 ₴1,378

$49.48 Rp 897.5K

-38.82%

Tennis Court (1 Hour on Weekend)

$20.95 ₴954

$17.65 Rp 320.1K

18.70%

Cinema Ticket

$3.60 ₴164

$4.27 Rp 77.5K

-15.69%

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

$229 ₴10.4K

$491 Rp 8.9M

-53.29%

International Primary School, 1 Child (Yearly)

$15.0K ₴682.6K

$5,674 Rp 102.9M

164.24%

Jeans (Levis 501 Or Similar)

$71.7 ₴3,262

$44.64 Rp 809.7K

60.51%

Summer Dress (H&M, Zara, etc)

$30.39 ₴1,384

$34.95 Rp 634.0K

-13.05%

Sport Shoes (Adidas, Nike)

$94.6 ₴4,306

$79.9 Rp 1.4M

18.36%

Men's Leather Business Shoes

$116 ₴5,264

$79.4 Rp 1.4M

45.57%

1-bedroom Apartment, City Center (Monthly)

$544 ₴24.8K

$1,125 Rp 20.4M

-51.66%

1-bedroom Apartment, Outside City Center (Monthly)

$303 ₴13.8K

$671 Rp 12.2M

-54.87%

3-bedroom Apartment, City Center (Monthly)

$992 ₴45.2K

$3,565 Rp 64.7M

-72.16%

3-bedroom Apartment, Outside City Center (Monthly)

$822 ₴37.4K

$1,723 Rp 31.3M

-52.31%

Buy Apartment in City Center (m2)

$1,081 ₴49.2K

$2,732 Rp 49.5M

-60.42%

Buy Apartment Outside City Center (m2)

$845 ₴38.5K

$2,284 Rp 41.4M

-63.00%

Average Monthly Net Salary (After Tax)

$378 ₴17.2K

$164 Rp 3.0M

130.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

15.9

13.78

15.38%

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

Last update for Sumy: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Sumy

$303 32.2%

Ubud, Bali

$672 49.8% 122% $368

Groceries & Markets

Sumy

$185 19.7%

Ubud, Bali

$288 21.4% 55.7% $103

Eating Out

Sumy

$147 15.6%

Ubud, Bali

$108 8% 26.7% $39

Clothing & Footwear

Sumy

$141 14.9%

Ubud, Bali

$108 8% 23.5% $33

Monthly Utilities & Internet

Sumy

$112 12%

Ubud, Bali

$104 7.7% 7.4% $8.3

Sport & Entertainment

Sumy

$37 4%

Ubud, Bali

$58 4.3% 54.8% $21

Getting Around

Sumy

$15 1.6%

Ubud, Bali

$11 0.9% 23.9% $3.6

Cost Breakdown

A central one-bedroom costs $544 in Sumy versus $1,125 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 in Sumy are about 2.3 times higher, 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 $33 in Sumy versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $185 vs $288 – making Sumy the more affordable choice for daily food spending.

Good to know

🇺🇦 Sumy

🇮🇩 Ubud, Bali

🕒 Local time

12:10 12:10 PM

18:10 6:10 PM

6 h ahead of Sumy

🌤 Weather

👥 Population

267,633

74,800

💱 Currency

Ukrainian Hryvnia UAH ₴

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 UAH = 2.2 USD

100 UAH = 1.97 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to UAH – Ukrainian Hryvnia Converter

🇺🇸 United States Dollar ($)

🇺🇦 Ukrainian Hryvnia (₴)

Ukrainian Hryvnia exchange rates as of November 2, 2026: 1 USD = 45.53 UAH (100 UAH = 2.2 USD). 1 EUR = 50.81 UAH (100 UAH = 1.97 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

USD to UAH in detail →

On the map

Lowest

Highest

Between locations

Sumy Ubud, Bali 10,080 km ≈ 13 h nonstop flight

From you

Sumy
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

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

Ubud, Bali costs about 43% more than Sumy, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,411 per month in Sumy and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Sumy, especially for central apartments: a one-bedroom in the center costs $544 there versus $1,125 in Ubud, Bali.

Public transport costs about 15% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $229 per month in Sumy and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$800 is a stretch for both – monthly costs hit $941 in Sumy and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Sumy – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.