Last update: Oct 2026

Cost of Living Comparison Between Terni and Ubud, Bali

For one person, living is cheaper in Terni: $1,299 a month against $1,349 in Ubud, Bali, rent and utilities included – about $600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

63

Cost of Living Index in Terni
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Terni Living Index
65

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

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Terni

🇮🇹 Italy

$1,299

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,299 per month in Terni vs $1,349 in Ubud, Bali, rent included.

Terni $1,299
Ubud, Bali $1,349

A couple spends around $1,995 per month in Terni vs $2,305 in Ubud, Bali, rent included.

Terni $1,995
Ubud, Bali $2,305

A family of three spends $2,691 per month in Terni vs $3,261 in Ubud, Bali, rent included.

Terni $2,691
Ubud, Bali $3,261

Terni is about 4% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$16.55 €14.83

$3.32 Rp 60.3K

398.49%

Three-Course Dinner for Two, Mid-Range

$66.7 €59.8

$35.64 Rp 646.5K

87.21%

Fast Food Meal (McDonalds, etc)

$13.54 €12.13

$5.53 Rp 100.4K

144.85%

Cappuccino

$1.69 €1.51

$2.72 Rp 49.3K

-37.87%

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

$2.54 €2.28

$1.70 Rp 30.9K

49.41%

Water (0.33 liter bottle)

$1.03 €0.93

$0.76 Rp 13.8K

35.53%

Local Beer (0.5 liter draught)

$4.35 €3.90

$2.65 Rp 48.1K

64.15%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$4.38 Rp 79.5K

31.05%

Milk (1 liter)

$1.22 €1.09

$1.49 Rp 27.0K

-18.12%

White Bread (500g)

$1.70 €1.52

$2.28 Rp 41.3K

-25.44%

Rice (white) (1kg)

$2.17 €1.95

$1.19 Rp 21.6K

82.35%

Eggs

$3.82 €3.42

$2.04 Rp 36.9K

87.25%

Local Cheese (1kg)

$13.38 €11.99

$17.70 Rp 321.1K

-24.41%

Chicken Fillets (1kg)

$9.20 €8.25

$3.96 Rp 71.9K

132.32%

Beef Round Steak (1kg)

$13.33 €11.95

$12.19 Rp 221.1K

9.35%

Apples (1kg)

$1.13 €1.02

$3.66 Rp 66.3K

-69.13%

Banana (1kg)

$1.13 €1.01

$1.52 Rp 27.5K

-25.66%

Oranges (1kg)

$1.13 €1.01

$2.23 Rp 40.4K

-49.33%

Tomato (1kg)

$2.27 €2.03

$1.97 Rp 35.8K

15.23%

Potato (1kg)

$0.74 €0.67

$1.85 Rp 33.5K

-60.00%

Onion (1kg)

$1.48 €1.32

$2.42 Rp 44.0K

-38.84%

Lettuce (1 head)

$0.75 €0.67

$0.99 Rp 18.0K

-24.24%

Water (1.5 liter bottle)

$0.36 €0.32

$0.51 Rp 9,313

-29.41%

Cigarettes 20 Pack (Marlboro, Camel)

$6.59 €5.91

$2.22 Rp 40.3K

196.85%

Wine (Bottle)

$8.00 €7.17

$22.24 Rp 403.4K

-64.03%

Local Beer (0.5 liter bottle)

$1.14 €1.02

$2.26 Rp 41.0K

-49.56%

Imported Beer (0.33 liter bottle)

$1.51 €1.36

$2.97 Rp 53.9K

-49.16%

One-way Ticket (Public Transport)

$1.59 €1.42

$0.25 Rp 4,553

536.00%

Public Transport Monthly Pass (Regular Price)

$34.20 €30.65

$7.82 Rp 141.9K

337.34%

Taxi Start (Normal Tariff)

$3.63 €3.26

$0.44 Rp 7,972

725.00%

Taxi (Normal Tariff) (1km)

$1.26 €1.13

$0.43 Rp 7,801

193.02%

Taxi 1hour Waiting (Normal Tariff)

$30.81 €27.61

$5.41 Rp 98.1K

469.50%

Gasoline (1 liter)

$2.14 €1.92

$0.82 Rp 15.0K

160.98%

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

$33.0K €29.6K

$23.8K Rp 432.4M

38.61%

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

$36.3K €32.5K

$31.7K Rp 575.9M

14.25%

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

$150 €135

$79.1 Rp 1.4M

89.98%

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

$11.46 €10.27

$6.45 Rp 116.9K

77.67%

Internet (50+ Mbps, Unlimited Data)

$30.69 €27.50

$18.58 Rp 337.0K

65.18%

Gym Membership (Monthly)

$54.8 €49.12

$49.48 Rp 897.5K

10.79%

Tennis Court (1 Hour on Weekend)

$11.20 €10.03

$17.65 Rp 320.1K

-36.54%

Cinema Ticket

$11.15 €9.99

$4.27 Rp 77.5K

161.12%

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

$329 €295

$491 Rp 8.9M

-32.90%

International Primary School, 1 Child (Yearly)

$16.5K €14.8K

$5,674 Rp 102.9M

190.82%

Jeans (Levis 501 Or Similar)

$84.9 €76.1

$44.64 Rp 809.7K

90.14%

Summer Dress (H&M, Zara, etc)

$33.72 €30.22

$34.95 Rp 634.0K

-3.52%

Sport Shoes (Adidas, Nike)

$106 €95.0

$79.9 Rp 1.4M

32.64%

Men's Leather Business Shoes

$78.4 €70.3

$79.4 Rp 1.4M

-1.28%

1-bedroom Apartment, City Center (Monthly)

$340 €304

$1,125 Rp 20.4M

-69.82%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €320

$671 Rp 12.2M

-46.83%

3-bedroom Apartment, City Center (Monthly)

$648 €581

$3,565 Rp 64.7M

-81.82%

3-bedroom Apartment, Outside City Center (Monthly)

$519 €465

$1,723 Rp 31.3M

-69.88%

Buy Apartment in City Center (m2)

$1,363 €1,222

$2,732 Rp 49.5M

-50.10%

Buy Apartment Outside City Center (m2)

$784 €703

$2,284 Rp 41.4M

-65.66%

Average Monthly Net Salary (After Tax)

$1,468 €1,316

$164 Rp 3.0M

796.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.16

13.78

-77.07%

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

Last update for Terni: 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

Terni

$357 27.5%

Ubud, Bali

$672 49.8% 88.1% $314

Groceries & Markets

Terni

$245 18.9%

Ubud, Bali

$288 21.4% 17.8% $44

Eating Out

Terni

$241 18.5%

Ubud, Bali

$108 8% 55.3% $133

Monthly Utilities & Internet

Terni

$192 14.8%

Ubud, Bali

$104 7.7% 45.9% $88

Clothing & Footwear

Terni

$136 10.5%

Ubud, Bali

$108 8% 21.1% $29

Sport & Entertainment

Terni

$77 5.9%

Ubud, Bali

$58 4.3% 24.8% $19

Getting Around

Terni

$51 3.9%

Ubud, Bali

$11 0.9% 77.4% $39

Cost Breakdown

A central one-bedroom costs $340 in Terni 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 Terni are about 9 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 $67 in Terni versus $36 in Ubud, Bali. Groceries tell a different story – $245 in Terni vs $288 in Ubud, Bali – so Terni wins on supermarket bills even if dining out costs more.

Good to know

🇮🇹 Terni

🇮🇩 Ubud, Bali

🕒 Local time

08:03 8:03 AM

15:03 3:03 PM

7 h ahead of Terni

🌤 Weather

👥 Population

106,677

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 →

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Terni Ubud, Bali 11,680 km ≈ 15 h nonstop flight

From you

Terni
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

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

Ubud, Bali costs about 4% more than Terni, 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 $1,949 per month in Terni 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 Terni, especially for central apartments: a one-bedroom in the center costs $340 there versus $1,125 in Ubud, Bali.

Groceries cost about 18% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $67 in Terni and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,299 in Terni 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 Terni – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.