Cost of Living Comparison Between Terni and Ubud, Bali Cost of Living Comparison Between Terni and Ubud, Bali

Monthly Cost of Living

A single person spends $1,348 per month in Terni vs $1,408 in Ubud, Bali, rent included.

A couple spends around $2,048 per month in Terni vs $2,585 in Ubud, Bali, rent included.

A family of three spends $2,748 per month in Terni vs $3,763 in Ubud, Bali, rent included.

Terni is about 4% cheaper than Ubud, Bali, driven mainly by Eating Out.

Both Terni and Ubud, Bali sit above the global median – Terni by 1%, Ubud, Bali by 5%.

Meal at Budget Restaurant

$17.45 €15.27

$3.45 Rp 62.0K

405.80%

Three-Course Dinner for Two, Mid-Range

$49.82 €43.59

$32.34 Rp 580.1K

54.05%

Fast Food Meal (McDonalds, etc)

$9.56 €8.36

$4.84 Rp 86.9K

97.52%

Cappuccino

$1.86 €1.63

$2.75 Rp 49.3K

-32.36%

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

$2.69 €2.35

$1.38 Rp 24.8K

94.93%

Water (0.33 liter bottle)

$1.35 €1.18

$0.75 Rp 13.5K

80.00%

Local Beer (0.5 liter draught)

$5.07 €4.43

$2.99 Rp 53.7K

69.57%

Imported Beer (0.33 liter bottle)

$5.29 €4.63

$3.85 Rp 69.1K

37.40%

Milk (1 liter)

$1.25 €1.10

$1.74 Rp 31.1K

-28.16%

White Bread (500g)

$2.20 €1.93

$2.46 Rp 44.1K

-10.57%

Rice (white) (1kg)

$2.34 €2.05

$1.17 Rp 21.0K

100.00%

Eggs

$3.42 €2.99

$2.43 Rp 43.6K

40.74%

Local Cheese (1kg)

$13.65 €11.95

$14.50 Rp 260.2K

-5.86%

Chicken Fillets (1kg)

$9.16 €8.01

$4.35 Rp 78.0K

110.57%

Beef Round Steak (1kg)

$13.84 €12.11

$11.98 Rp 214.9K

15.53%

Apples (1kg)

$2.15 €1.88

$3.72 Rp 66.7K

-42.20%

Banana (1kg)

$1.88 €1.64

$1.63 Rp 29.2K

15.34%

Oranges (1kg)

$1.19 €1.04

$2.74 Rp 49.2K

-56.57%

Tomato (1kg)

$2.28 €1.99

$2.24 Rp 40.2K

1.79%

Potato (1kg)

$1.58 €1.38

$1.92 Rp 34.4K

-17.71%

Onion (1kg)

$1.71 €1.50

$2.28 Rp 40.8K

-25.00%

Lettuce (1 head)

$0.79 €0.69

$1.06 Rp 19.1K

-25.47%

Water (1.5 liter bottle)

$0.41 €0.36

$0.72 Rp 12.9K

-43.06%

Cigarettes 20 Pack (Marlboro, Camel)

$6.40 €5.60

$3.29 Rp 58.9K

94.53%

Wine (Bottle)

$7.38 €6.46

$23.19 Rp 416.1K

-68.18%

Local Beer (0.5 liter bottle)

$1.35 €1.18

$2.78 Rp 49.8K

-51.44%

Imported Beer (0.33 liter bottle)

$1.64 €1.44

$2.73 Rp 49.0K

-39.93%

One-way Ticket (Public Transport)

$1.64 €1.44

$0.27 Rp 4,778

507.41%

Public Transport Monthly Pass (Regular Price)

$34.99 €30.61

$8.11 Rp 145.4K

331.44%

Taxi Start (Normal Tariff)

$4.97 €4.34

$0.48 Rp 8,659

935.42%

Taxi (Normal Tariff) (1km)

$1.30 €1.13

$0.42 Rp 7,532

209.52%

Taxi 1hour Waiting (Normal Tariff)

$25.75 €22.53

$6.22 Rp 111.6K

313.99%

Gasoline (1 liter)

$2.07 €1.81

$0.81 Rp 14.6K

155.56%

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

$33.6K €29.4K

$26.6K Rp 477.4M

26.14%

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

$34.1K €29.8K

$32.2K Rp 577.4M

5.80%

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

$176 €154

$78.4 Rp 1.4M

124.54%

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

$13.63 €11.92

$4.07 Rp 73.0K

234.89%

Internet (50+ Mbps, Unlimited Data)

$31.05 €27.16

$24.33 Rp 436.4K

27.62%

Gym Membership (Monthly)

$51.8 €45.30

$98.6 Rp 1.8M

-47.49%

Tennis Court (1 Hour on Weekend)

$16.49 €14.42

$6.34 Rp 113.7K

160.09%

Cinema Ticket

$10.62 €9.29

$3.99 Rp 71.5K

166.17%

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

$341 €298

$305 Rp 5.5M

11.71%

International Primary School, 1 Child (Yearly)

$5,886 €5,149

$6,642 Rp 119.2M

-11.39%

Jeans (Levis 501 Or Similar)

$64.7 €56.6

$54.1 Rp 971.2K

19.58%

Summer Dress (H&M, Zara, etc)

$35.76 €31.29

$37.81 Rp 678.2K

-5.42%

Sport Shoes (Adidas, Nike)

$91.1 €79.7

$86.8 Rp 1.6M

4.92%

Men's Leather Business Shoes

$88.7 €77.6

$76.4 Rp 1.4M

16.12%

1-bedroom Apartment, City Center (Monthly)

$343 €300

$992 Rp 17.8M

-65.40%

1-bedroom Apartment, Outside City Center (Monthly)

$341 €298

$673 Rp 12.1M

-49.30%

3-bedroom Apartment, City Center (Monthly)

$757 €662

$3,375 Rp 60.5M

-77.58%

3-bedroom Apartment, Outside City Center (Monthly)

$559 €489

$2,050 Rp 36.8M

-72.75%

Buy Apartment in City Center (m2)

$1,381 €1,208

$2,805 Rp 50.3M

-50.76%

Buy Apartment Outside City Center (m2)

$788 €689

$2,227 Rp 39.9M

-64.63%

Average Monthly Net Salary (After Tax)

$1,498 €1,311

$167 Rp 3.0M

797.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.69

13.28

-72.21%

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

Last update for Terni: July 13, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A central one-bedroom costs $343 in Terni versus $992 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 797% higher in Terni, 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 $50.0 in Terni versus $32.00 in Ubud, Bali. Groceries tell a different story – $265 in Terni vs $297 in Ubud, Bali – so Terni wins on supermarket bills even if dining out costs more.

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

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

Ubud, Bali costs about 4% more than Terni, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,022 per month in Terni and $2,112 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Terni, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 12% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $50.0 in Terni and $32.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Terni, where all-in costs run around $1,348, than in Ubud, Bali at $1,408. In Terni it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Terni costs $1,348 versus $1,408 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Terni. 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.