Last update: Oct 2026

Cost of Living Comparison Between Ternopil and Ubud, Bali

For one person, living is cheaper in Ternopil: $690 a month against $1,353 in Ubud, Bali, rent and utilities included – about $8,000 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Ternopil
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Ternopil Living Index
66

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

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Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $690 in Ternopil versus $1,353 in Ubud, Bali.

Ternopil $690
Ubud, Bali $1,353

Estimated couple costs with rent: $1,143 in Ternopil versus $2,297 in Ubud, Bali.

Ternopil $1,143
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,595 in Ternopil versus $3,241 in Ubud, Bali.

Ternopil $1,595
Ubud, Bali $3,241

Living in Ternopil costs roughly 49% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ternopil is 49% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$3.36 ₴151

$3.23 Rp 58.1K

4.02%

Three-Course Dinner for Two, Mid-Range

$20.07 ₴901

$34.88 Rp 627.8K

-42.46%

Fast Food Meal (McDonalds, etc)

$5.45 ₴245

$5.70 Rp 102.5K

-4.39%

Cappuccino

$1.22 ₴54.6

$2.62 Rp 47.1K

-53.44%

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

$0.69 ₴30.83

$1.72 Rp 31.0K

-59.88%

Water (0.33 liter bottle)

$0.51 ₴22.79

$0.81 Rp 14.6K

-37.04%

Local Beer (0.5 liter draught)

$0.90 ₴40.56

$2.65 Rp 47.7K

-66.04%

Imported Beer (0.33 liter bottle)

$1.54 ₴69.1

$4.37 Rp 78.6K

-64.76%

Milk (1 liter)

$1.34 ₴60.2

$1.57 Rp 28.3K

-14.65%

White Bread (500g)

$0.72 ₴32.38

$2.19 Rp 39.5K

-67.12%

Rice (white) (1kg)

$2.00 ₴89.8

$1.18 Rp 21.2K

69.49%

Eggs

$1.96 ₴87.8

$2.16 Rp 38.8K

-9.26%

Local Cheese (1kg)

$7.95 ₴357

$17.65 Rp 317.7K

-54.96%

Chicken Fillets (1kg)

$3.99 ₴179

$3.78 Rp 68.0K

5.56%

Beef Round Steak (1kg)

$5.93 ₴266

$11.95 Rp 215.1K

-50.38%

Apples (1kg)

$0.72 ₴32.20

$3.60 Rp 64.8K

-80.00%

Banana (1kg)

$1.58 ₴70.8

$1.59 Rp 28.6K

-0.63%

Oranges (1kg)

$1.43 ₴64.2

$2.31 Rp 41.6K

-38.10%

Tomato (1kg)

$2.73 ₴123

$1.91 Rp 34.3K

42.93%

Potato (1kg)

$0.54 ₴24.26

$1.78 Rp 32.1K

-69.66%

Onion (1kg)

$0.39 ₴17.59

$2.33 Rp 41.9K

-83.26%

Lettuce (1 head)

$1.36 ₴61.3

$1.00 Rp 18.0K

36.00%

Water (1.5 liter bottle)

$0.52 ₴23.17

$0.53 Rp 9,509

-1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₴121

$2.29 Rp 41.1K

17.47%

Wine (Bottle)

$3.25 ₴146

$22.07 Rp 397.3K

-85.27%

Local Beer (0.5 liter bottle)

$0.88 ₴39.52

$2.35 Rp 42.2K

-62.55%

Imported Beer (0.33 liter bottle)

$2.35 ₴106

$2.98 Rp 53.6K

-21.14%

One-way Ticket (Public Transport)

$0.39 ₴17.61

$0.23 Rp 4,112

69.57%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$1.42 ₴63.7

$0.47 Rp 8,466

202.13%

Taxi (Normal Tariff) (1km)

$0.37 ₴16.82

$0.43 Rp 7,737

-13.95%

Taxi 1hour Waiting (Normal Tariff)

$4.08 ₴183

$5.47 Rp 98.4K

-25.41%

Gasoline (1 liter)

$1.57 ₴70.7

$0.83 Rp 14.9K

89.16%

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

$31.5K ₴1.4M

$23.9K Rp 429.8M

31.98%

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

$25.1K ₴1.1M

$32.8K Rp 590.1M

-23.36%

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

$55.4 ₴2,488

$80.0 Rp 1.4M

-30.70%

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

$4.74 ₴213

$6.56 Rp 118.1K

-27.74%

Internet (50+ Mbps, Unlimited Data)

$4.92 ₴221

$18.60 Rp 334.8K

-73.55%

Gym Membership (Monthly)

$20.69 ₴929

$54.1 Rp 974.1K

-61.77%

Tennis Court (1 Hour on Weekend)

$13.84 ₴621

$18.28 Rp 329.0K

-24.29%

Cinema Ticket

$3.59 ₴161

$4.25 Rp 76.5K

-15.53%

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

$245 ₴11.0K

$493 Rp 8.9M

-50.32%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$49.54 ₴2,224

$45.58 Rp 820.4K

8.69%

Summer Dress (H&M, Zara, etc)

$46.86 ₴2,103

$34.96 Rp 629.4K

34.04%

Sport Shoes (Adidas, Nike)

$98.6 ₴4,425

$77.7 Rp 1.4M

26.85%

Men's Leather Business Shoes

$90.1 ₴4,043

$78.5 Rp 1.4M

14.71%

1-bedroom Apartment, City Center (Monthly)

$297 ₴13.3K

$1,131 Rp 20.4M

-73.77%

1-bedroom Apartment, Outside City Center (Monthly)

$234 ₴10.5K

$673 Rp 12.1M

-65.22%

3-bedroom Apartment, City Center (Monthly)

$564 ₴25.3K

$3,613 Rp 65.0M

-84.38%

3-bedroom Apartment, Outside City Center (Monthly)

$551 ₴24.7K

$1,702 Rp 30.6M

-67.60%

Buy Apartment in City Center (m2)

$994 ₴44.6K

$2,717 Rp 48.9M

-63.41%

Buy Apartment Outside City Center (m2)

$504 ₴22.6K

$2,241 Rp 40.3M

-77.49%

Average Monthly Net Salary (After Tax)

$487 ₴21.9K

$166 Rp 3.0M

192.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

59.65%

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

Last update for Ternopil: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ternopil

$234 33.9%

Ubud, Bali

$673 49.7% 188% $439

Groceries & Markets

Ternopil

$160 23.2%

Ubud, Bali

$287 21.2% 79.4% $127

Clothing & Footwear

Ternopil

$128 18.6%

Ubud, Bali

$107 7.9% 16.9% $22

Eating Out

Ternopil

$70 10.2%

Ubud, Bali

$106 7.9% 51.6% $36

Monthly Utilities & Internet

Ternopil

$65 9.4%

Ubud, Bali

$105 7.8% 61.6% $40

Sport & Entertainment

Ternopil

$28 4%

Ubud, Bali

$63 4.6% 125% $35

Getting Around

Ternopil

$4.9 * 0.7%

Ubud, Bali

$12 0.9% 156% $7.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $297 in Ternopil and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ternopil pays 193% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $20.00 in Ternopil vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $160 vs $287 per month, with Ternopil cheaper across the board.

Good to know

🇺🇦 Ternopil

🇮🇩 Ubud, Bali

🕒 Local time

10:36 10:36 AM

15:36 3:36 PM

5 h ahead of Ternopil

🌤 Weather

👥 Population

218,134

74,800

💱 Currency

Ukrainian Hryvnia UAH ₴

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 UAH = 2.23 USD

100 UAH = 1.98 EUR

100,000 IDR = 5.56 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 October 22, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to UAH in detail →

On the map

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Highest

Between locations

Ternopil Ubud, Bali 10,700 km ≈ 14 h nonstop flight

From you

Ternopil
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

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

Ternopil and Ubud, Bali differ by about 96% in total monthly costs ($690 vs $1,353 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 193% 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: $297 in Ternopil versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $245 in Ternopil versus $493 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 $20.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $1,353 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 96% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.