Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ad Diwaniyah

For one person, living is cheaper in Ad Diwaniyah: $559 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,500 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
27

Cost of Living Index in Ad Diwaniyah
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Ad Diwaniyah Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ad Diwaniyah

🇮🇶 Iraq

$559

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Ad Diwaniyah

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Ad Diwaniyah actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $559 in Ad Diwaniyah, rent included.

Ubud, Bali $1,349
Ad Diwaniyah $559

A couple spends around $2,305 per month in Ubud, Bali vs $876 in Ad Diwaniyah, rent included.

Ubud, Bali $2,305
Ad Diwaniyah $876

A family of three spends $3,261 per month in Ubud, Bali vs $1,193 in Ad Diwaniyah, rent included.

Ubud, Bali $3,261
Ad Diwaniyah $1,193

Ubud, Bali costs about 141% more than Ad Diwaniyah, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$2.75 IQD 4,154

20.73%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$9.87 IQD 14.9K

261.09%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$4.61 IQD 6,960

19.96%

Cappuccino

$2.72 Rp 49.4K

$1.62 IQD 2,442

67.90%

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

$1.70 Rp 30.9K

$0.36 IQD 538

372.22%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.22 IQD 333

245.45%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.24 IQD 4,901

-18.21%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$3.23 IQD 4,876

35.60%

Milk (1 liter)

$1.49 Rp 27.1K

$0.95 IQD 1,440

56.84%

White Bread (500g)

$2.28 Rp 41.4K

$0.69 IQD 1,045

230.43%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.13 IQD 1,708

5.31%

Eggs

$2.04 Rp 37.0K

$1.69 IQD 2,552

20.71%

Local Cheese (1kg)

$17.70 Rp 321.7K

$3.40 IQD 5,142

420.59%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$3.38 IQD 5,112

17.16%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$9.80 IQD 14.8K

24.39%

Apples (1kg)

$3.66 Rp 66.4K

$0.69 IQD 1,038

430.43%

Banana (1kg)

$1.52 Rp 27.6K

$0.65 IQD 980

133.85%

Oranges (1kg)

$2.23 Rp 40.5K

$0.64 IQD 968

248.44%

Tomato (1kg)

$1.97 Rp 35.9K

$0.68 IQD 1,027

189.71%

Potato (1kg)

$1.85 Rp 33.6K

$0.55 IQD 837

236.36%

Onion (1kg)

$2.42 Rp 44.1K

$0.55 IQD 838

340.00%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.32 IQD 483

209.37%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.62 IQD 930

-17.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$1.69 IQD 2,560

31.36%

Wine (Bottle)

$22.24 Rp 404.2K

$3.24 IQD 4,903

586.42%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.89 IQD 2,859

19.58%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.97 IQD 2,973

50.76%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.38 IQD 572

-34.21%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$2.04 IQD 3,076

-78.43%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.80 IQD 1,202

-46.25%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$6.52 IQD 9,850

-17.02%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.29 IQD 432

182.76%

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

$23.8K Rp 433.3M

$16.4K IQD 24.7M

45.75%

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

$31.7K Rp 577.0M

$16.7K IQD 25.3M

89.79%

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

$79.1 Rp 1.4M

$33.29 IQD 50.3K

137.49%

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

$6.45 Rp 117.2K

$14.94 IQD 22.6K

-56.83%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$33.23 IQD 50.2K

-44.09%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$36.21 IQD 54.7K

36.65%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$6.76 IQD 10.2K

161.09%

Cinema Ticket

$4.27 Rp 77.7K

$6.45 IQD 9,752

-33.80%

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

$491 Rp 8.9M

$65.8 IQD 99.5K

645.16%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$3,258 IQD 4.9M

74.17%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$25.65 IQD 38.8K

74.04%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$33.66 IQD 50.9K

3.83%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$58.6 IQD 88.5K

36.37%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$42.15 IQD 63.7K

88.42%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$204 IQD 309.0K

450.10%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$140 IQD 210.8K

381.35%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$368 IQD 555.7K

869.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$316 IQD 478.1K

444.62%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$890 IQD 1.3M

207.01%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$498 IQD 752.9K

358.36%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$328 IQD 495.7K

-50.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.12

234.47%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Ad Diwaniyah: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ad Diwaniyah

$140 25% 79.2% $532

Groceries & Markets

Ubud, Bali

$288 21.4%

Ad Diwaniyah

$129 23.1% 55.3% $160

Eating Out

Ubud, Bali

$108 8%

Ad Diwaniyah

$80 14.4% 25.5% $28

Clothing & Footwear

Ubud, Bali

$108 8%

Ad Diwaniyah

$72 12.9% 33% $35

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ad Diwaniyah

$81 14.6% 21.7% $23

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ad Diwaniyah

$49 8.8% 15.4% $8.9

Getting Around

Ubud, Bali

$11 0.9%

Ad Diwaniyah

$7.5 * 1.4% 34.1% $3.9

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

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $204 in Ad Diwaniyah. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Ad Diwaniyah are about 2 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 $36 in Ubud, Bali versus $10 in Ad Diwaniyah. Monthly groceries follow the same trend: $288 vs $129 – making Ad Diwaniyah the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Ad Diwaniyah

🕒 Local time

07:13 7:13 AM

02:13 2:13 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

650,927

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.95 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of October 28, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,682 IQD (10,000 IQD = 5.95 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ad Diwaniyah 8,700 km ≈ 11 h nonstop flight

From you

Ubud, Bali
Ad Diwaniyah

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

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

Yes – Ubud, Bali is pricier by about 141%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $838 in Ad Diwaniyah. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ad Diwaniyah, especially for central apartments: a one-bedroom in the center costs $204 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $559 in Ad Diwaniyah. That makes Ad Diwaniyah about 59% cheaper.

Kindergarten costs $491 per month in Ubud, Bali and $66 in Ad Diwaniyah. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ad Diwaniyah, where all-in costs run around $559, than in Ubud, Bali at $1,349. In Ad Diwaniyah it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Ad Diwaniyah – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.