Last update: Oct 2026

Cost of Living Comparison Between Turku and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,847 in Turku, rent and utilities included – about $5,700 less a year. Other living expenses account for most of the difference.

90

Cost of Living Index in Turku
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Turku Living Index
67

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

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Turku

🇫🇮 Finland

$1,847

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,847 in Turku versus $1,368 in Ubud, Bali.

Turku $1,847
Ubud, Bali $1,368

Estimated couple costs with rent: $2,949 in Turku versus $2,314 in Ubud, Bali.

Turku $2,949
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,052 in Turku versus $3,260 in Ubud, Bali.

Turku $4,052
Ubud, Bali $3,260

Living in Turku is roughly 35% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Turku 37% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$15.92 €14.16

$3.33 Rp 59.9K

378.08%

Three-Course Dinner for Two, Mid-Range

$99.8 €88.8

$35.18 Rp 633.2K

183.74%

Fast Food Meal (McDonalds, etc)

$12.31 €10.95

$5.80 Rp 104.5K

112.24%

Cappuccino

$4.86 €4.32

$2.73 Rp 49.1K

78.02%

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

$2.77 €2.46

$1.64 Rp 29.5K

68.90%

Water (0.33 liter bottle)

$1.85 €1.64

$0.83 Rp 15.0K

122.89%

Local Beer (0.5 liter draught)

$9.33 €8.30

$2.70 Rp 48.6K

245.56%

Imported Beer (0.33 liter bottle)

$9.43 €8.39

$4.30 Rp 77.4K

119.30%

Milk (1 liter)

$1.58 €1.40

$1.50 Rp 27.1K

5.33%

White Bread (500g)

$2.45 €2.18

$2.30 Rp 41.4K

6.52%

Rice (white) (1kg)

$2.68 €2.38

$1.18 Rp 21.2K

127.12%

Eggs

$3.60 €3.20

$2.14 Rp 38.6K

68.22%

Local Cheese (1kg)

$7.57 €6.74

$17.48 Rp 314.6K

-56.69%

Chicken Fillets (1kg)

$14.40 €12.81

$4.03 Rp 72.5K

257.32%

Beef Round Steak (1kg)

$18.67 €16.61

$12.23 Rp 220.1K

52.66%

Apples (1kg)

$2.68 €2.39

$3.55 Rp 63.9K

-24.51%

Banana (1kg)

$2.13 €1.89

$1.57 Rp 28.3K

35.67%

Oranges (1kg)

$2.28 €2.03

$2.24 Rp 40.2K

1.79%

Tomato (1kg)

$4.28 €3.81

$1.93 Rp 34.7K

121.76%

Potato (1kg)

$1.41 €1.26

$1.88 Rp 33.9K

-25.00%

Onion (1kg)

$1.52 €1.36

$2.29 Rp 41.3K

-33.62%

Lettuce (1 head)

$1.99 €1.77

$0.99 Rp 17.9K

101.01%

Water (1.5 liter bottle)

$1.82 €1.62

$0.53 Rp 9,475

243.40%

Cigarettes 20 Pack (Marlboro, Camel)

$13.53 €12.03

$2.28 Rp 41.1K

493.42%

Wine (Bottle)

$14.91 €13.26

$23.01 Rp 414.2K

-35.20%

Local Beer (0.5 liter bottle)

$3.93 €3.50

$2.34 Rp 42.2K

67.95%

Imported Beer (0.33 liter bottle)

$3.62 €3.22

$2.91 Rp 52.4K

24.40%

One-way Ticket (Public Transport)

$3.37 €3.00

$0.24 Rp 4,315

1304.17%

Public Transport Monthly Pass (Regular Price)

$64.4 €57.3

$8.82 Rp 158.7K

630.61%

Taxi Start (Normal Tariff)

$8.52 €7.58

$0.48 Rp 8,684

1675.00%

Taxi (Normal Tariff) (1km)

$1.49 €1.33

$0.46 Rp 8,233

223.91%

Taxi 1hour Waiting (Normal Tariff)

$66.2 €58.9

$5.45 Rp 98.2K

1114.50%

Gasoline (1 liter)

$2.36 €2.10

$0.88 Rp 15.9K

168.18%

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

$36.3K €32.3K

$24.6K Rp 442.2M

47.63%

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

$37.4K €33.3K

$31.2K Rp 561.4M

20.07%

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

$134 €119

$83.0 Rp 1.5M

61.50%

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

$29.45 €26.20

$6.45 Rp 116.0K

356.59%

Internet (50+ Mbps, Unlimited Data)

$22.25 €19.79

$18.57 Rp 334.2K

19.82%

Gym Membership (Monthly)

$43.04 €38.29

$55.8 Rp 1.0M

-22.90%

Tennis Court (1 Hour on Weekend)

$28.48 €25.33

$18.11 Rp 326.0K

57.26%

Cinema Ticket

$21.60 €19.21

$4.38 Rp 78.9K

393.15%

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

$305 €271

$493 Rp 8.9M

-38.23%

International Primary School, 1 Child (Yearly)

$7,183 €6,389

$5,754 Rp 103.6M

24.85%

Jeans (Levis 501 Or Similar)

$94.7 €84.2

$46.19 Rp 831.4K

104.94%

Summer Dress (H&M, Zara, etc)

$42.85 €38.12

$35.33 Rp 636.0K

21.29%

Sport Shoes (Adidas, Nike)

$101 €89.5

$79.1 Rp 1.4M

27.26%

Men's Leather Business Shoes

$113 €100

$78.4 Rp 1.4M

44.04%

1-bedroom Apartment, City Center (Monthly)

$808 €719

$1,142 Rp 20.6M

-29.29%

1-bedroom Apartment, Outside City Center (Monthly)

$649 €578

$676 Rp 12.2M

-3.89%

3-bedroom Apartment, City Center (Monthly)

$1,442 €1,282

$3,503 Rp 63.1M

-58.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,155 €1,027

$1,700 Rp 30.6M

-32.04%

Buy Apartment in City Center (m2)

$4,141 €3,683

$2,784 Rp 50.1M

48.74%

Buy Apartment Outside City Center (m2)

$2,806 €2,496

$2,241 Rp 40.3M

25.25%

Average Monthly Net Salary (After Tax)

$2,660 €2,366

$165 Rp 3.0M

1516.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.94

13.78

-71.41%

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

Last update for Turku: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Turku

$649 35.2%

Ubud, Bali

$676 49.4% 4% $26

Groceries & Markets

Turku

$367 19.9%

Ubud, Bali

$290 21.2% 20.8% $76

Eating Out

Turku

$307 16.6%

Ubud, Bali

$109 8% 64.5% $198

Monthly Utilities & Internet

Turku

$186 10.1%

Ubud, Bali

$108 7.9% 41.8% $78

Clothing & Footwear

Turku

$158 8.6%

Ubud, Bali

$108 7.9% 31.9% $50

Getting Around

Turku

$94 5.1%

Ubud, Bali

$13 0.9% 86.6% $81

Sport & Entertainment

Turku

$86 4.7%

Ubud, Bali

$65 4.7% 25.1% $22

Cost Breakdown

A one-bedroom apartment in the center runs $808 in Turku and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Turku pays 1517% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $100 in Turku vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $367 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Turku

🇮🇩 Ubud, Bali

🕒 Local time

01:05 1:05 AM

06:05 6:05 AM

5 h ahead of Turku

🌤 Weather

👥 Population

201,889

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 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 October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 17, 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 EUR in detail →

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Turku Ubud, Bali 10,990 km ≈ 14 h nonstop flight

From you

Turku
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 35% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1517% higher in Turku, 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: $808 in Turku versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Turku. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $100 in Turku. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $1,847 in Turku, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Turku. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Turku, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Turku 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 Ubud, Bali gentler on the wallet – expenses run 35% less than in Turku. Beyond cost, consider language, visa policies, and how big the international community is in each city.