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

Monthly Cost of Living

Monthly costs for one person with rent: $574 in Ternopil versus $1,397 in Ubud, Bali.

Estimated couple costs with rent: $911 in Ternopil versus $2,588 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,248 in Ternopil versus $3,778 in Ubud, Bali.

Living in Ternopil costs roughly 59% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ternopil is 57% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$4.96 ₴222

$3.43 Rp 61.4K

44.61%

Three-Course Dinner for Two, Mid-Range

$19.36 ₴866

$31.97 Rp 572.4K

-39.44%

Fast Food Meal (McDonalds, etc)

$5.88 ₴263

$5.05 Rp 90.4K

16.44%

Cappuccino

$0.87 ₴38.85

$2.71 Rp 48.6K

-67.90%

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

$0.61 ₴27.43

$1.39 Rp 24.9K

-56.12%

Water (0.33 liter bottle)

$0.30 ₴13.22

$0.74 Rp 13.3K

-59.46%

Local Beer (0.5 liter draught)

$0.86 ₴38.33

$2.89 Rp 51.8K

-70.24%

Imported Beer (0.33 liter bottle)

$1.20 ₴53.6

$3.79 Rp 67.9K

-68.34%

Milk (1 liter)

$1.01 ₴45.04

$1.79 Rp 32.1K

-43.58%

White Bread (500g)

$0.48 ₴21.42

$2.51 Rp 44.9K

-80.88%

Rice (white) (1kg)

$1.28 ₴57.1

$1.21 Rp 21.7K

5.79%

Eggs

$1.49 ₴66.7

$2.37 Rp 42.4K

-37.13%

Local Cheese (1kg)

$4.76 ₴213

$14.43 Rp 258.4K

-67.01%

Chicken Fillets (1kg)

$3.78 ₴169

$4.15 Rp 74.3K

-8.92%

Beef Round Steak (1kg)

$4.80 ₴215

$12.11 Rp 216.9K

-60.36%

Apples (1kg)

$0.88 ₴39.46

$3.77 Rp 67.5K

-76.66%

Banana (1kg)

$1.54 ₴68.9

$1.63 Rp 29.1K

-5.52%

Oranges (1kg)

$2.15 ₴96.3

$2.71 Rp 48.5K

-20.66%

Tomato (1kg)

$1.70 ₴76.1

$2.26 Rp 40.4K

-24.78%

Potato (1kg)

$0.58 ₴25.94

$1.93 Rp 34.5K

-69.95%

Onion (1kg)

$0.62 ₴27.64

$2.19 Rp 39.3K

-71.69%

Lettuce (1 head)

$1.24 ₴55.7

$1.02 Rp 18.2K

21.57%

Water (1.5 liter bottle)

$0.41 ₴18.28

$0.72 Rp 12.8K

-43.06%

Cigarettes 20 Pack (Marlboro, Camel)

$2.15 ₴96.2

$3.18 Rp 57.0K

-32.39%

Wine (Bottle)

$3.31 ₴148

$23.84 Rp 426.8K

-86.12%

Local Beer (0.5 liter bottle)

$0.89 ₴39.72

$2.77 Rp 49.7K

-67.87%

Imported Beer (0.33 liter bottle)

$1.23 ₴55.1

$2.75 Rp 49.3K

-55.27%

One-way Ticket (Public Transport)

$0.37 ₴16.74

$0.27 Rp 4,786

37.04%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 146.8K

Taxi Start (Normal Tariff)

$0.81 ₴36.47

$0.48 Rp 8,653

68.75%

Taxi (Normal Tariff) (1km)

$0.23 ₴10.24

$0.42 Rp 7,545

-45.24%

Taxi 1hour Waiting (Normal Tariff)

$2.86 ₴128

$6.03 Rp 107.9K

-52.57%

Gasoline (1 liter)

$1.35 ₴60.3

$0.82 Rp 14.7K

64.63%

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

$30.4K ₴1.4M

$26.6K Rp 475.6M

14.53%

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

$24.9K ₴1.1M

$32.2K Rp 576.6M

-22.60%

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

$60.4 ₴2,704

$78.3 Rp 1.4M

-22.80%

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

$5.43 ₴243

$3.91 Rp 70.1K

38.87%

Internet (50+ Mbps, Unlimited Data)

$6.28 ₴281

$23.91 Rp 428.2K

-73.73%

Gym Membership (Monthly)

$22.67 ₴1,015

$96.2 Rp 1.7M

-76.43%

Tennis Court (1 Hour on Weekend)

$12.38 ₴554

$6.53 Rp 116.8K

89.59%

Cinema Ticket

$4.33 ₴194

$4.01 Rp 71.9K

7.98%

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

$269 ₴12.0K

$303 Rp 5.4M

-11.15%

International Primary School, 1 Child (Yearly)

$3,456 ₴154.7K

$6,551 Rp 117.3M

-47.24%

Jeans (Levis 501 Or Similar)

$42.71 ₴1,911

$55.3 Rp 990.4K

-22.78%

Summer Dress (H&M, Zara, etc)

$24.58 ₴1,100

$38.32 Rp 686.1K

-35.86%

Sport Shoes (Adidas, Nike)

$73.5 ₴3,291

$88.5 Rp 1.6M

-16.89%

Men's Leather Business Shoes

$85.0 ₴3,802

$76.7 Rp 1.4M

10.71%

1-bedroom Apartment, City Center (Monthly)

$261 ₴11.7K

$986 Rp 17.6M

-73.51%

1-bedroom Apartment, Outside City Center (Monthly)

$158 ₴7,088

$682 Rp 12.2M

-76.78%

3-bedroom Apartment, City Center (Monthly)

$358 ₴16.0K

$3,420 Rp 61.2M

-89.53%

3-bedroom Apartment, Outside City Center (Monthly)

$286 ₴12.8K

$2,075 Rp 37.1M

-86.23%

Buy Apartment in City Center (m2)

$1,009 ₴45.1K

$2,762 Rp 49.5M

-63.48%

Buy Apartment Outside City Center (m2)

$499 ₴22.3K

$2,243 Rp 40.2M

-77.76%

Average Monthly Net Salary (After Tax)

$481 ₴21.5K

$169 Rp 3.0M

184.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-39.76%

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

Last update for Ternopil: July 20, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $261 in Ternopil and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ternopil pays 185% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $19.00 in Ternopil vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $131 vs $298 per month, with Ternopil cheaper across the board.

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

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

Ternopil and Ubud, Bali differ by about 144% in total monthly costs ($574 vs $1,397 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 185% higher in Ternopil, 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: $261 in Ternopil versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $269 in Ternopil versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $19.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $574 in Ternopil versus $1,397 in Ubud, Bali, a $2,000 budget is realistic in Ternopil but tight or insufficient in Ubud, Bali. The gap between the two cities makes Ternopil the clear choice for anyone on this budget.

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, Ternopil and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ternopil gentler on the wallet – expenses run 144% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.