Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and An Najaf

For one person, living is cheaper in An Najaf: $586 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,400 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
29

Cost of Living Index in An Najaf
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An Najaf Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

An Najaf

🇮🇶 Iraq

$586

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in An Najaf

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 An Najaf actually costs, broken down by who's living it.

A single person spends $1,368 per month in Ubud, Bali vs $586 in An Najaf, rent included.

Ubud, Bali $1,368
An Najaf $586

A couple spends around $2,314 per month in Ubud, Bali vs $888 in An Najaf, rent included.

Ubud, Bali $2,314
An Najaf $888

A family of three spends $3,260 per month in Ubud, Bali vs $1,190 in An Najaf, rent included.

Ubud, Bali $3,260
An Najaf $1,190

Ubud, Bali costs about 133% more than An Najaf, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 1% above the global median, while An Najaf is 57% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$4.06 IQD 6,132

-17.98%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$19.68 IQD 29.7K

78.76%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$4.25 IQD 6,429

36.47%

Cappuccino

$2.73 Rp 49.1K

$2.29 IQD 3,455

19.21%

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

$1.64 Rp 29.5K

$0.33 IQD 494

396.97%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.20 IQD 302

315.00%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$3.22 IQD 4,872

-16.15%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$1.98 IQD 2,989

117.17%

Milk (1 liter)

$1.50 Rp 27.1K

$0.90 IQD 1,363

66.67%

White Bread (500g)

$2.30 Rp 41.4K

$0.68 IQD 1,022

238.24%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.31 IQD 1,981

-9.92%

Eggs

$2.14 Rp 38.6K

$1.48 IQD 2,240

44.59%

Local Cheese (1kg)

$17.48 Rp 314.6K

$3.41 IQD 5,154

412.61%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$4.07 IQD 6,157

-0.98%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$9.27 IQD 14.0K

31.93%

Apples (1kg)

$3.55 Rp 63.9K

$1.01 IQD 1,530

251.49%

Banana (1kg)

$1.57 Rp 28.3K

$0.96 IQD 1,445

63.54%

Oranges (1kg)

$2.24 Rp 40.2K

$0.88 IQD 1,333

154.55%

Tomato (1kg)

$1.93 Rp 34.7K

$0.63 IQD 950

206.35%

Potato (1kg)

$1.88 Rp 33.9K

$0.58 IQD 880

224.14%

Onion (1kg)

$2.29 Rp 41.3K

$0.56 IQD 841

308.93%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.58 IQD 875

70.69%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.49 IQD 742

8.16%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$1.70 IQD 2,564

34.12%

Wine (Bottle)

$23.01 Rp 414.2K

$11.66 IQD 17.6K

97.34%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.92 IQD 2,907

21.87%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.93 IQD 2,923

50.78%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.33 IQD 492

-27.27%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$18.92 IQD 28.6K

-53.38%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.34 IQD 2,022

-64.18%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.29 IQD 1,942

-64.34%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$5.36 IQD 8,095

1.68%

Gasoline (1 liter)

$0.88 Rp 15.9K

$0.39 IQD 584

125.64%

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

$24.6K Rp 442.2M

$12.0K IQD 18.1M

104.90%

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

$31.2K Rp 561.4M

$16.7K IQD 25.3M

86.39%

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

$83.0 Rp 1.5M

$34.90 IQD 52.7K

137.85%

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

$6.45 Rp 116.0K

$14.79 IQD 22.3K

-56.39%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$32.93 IQD 49.8K

-43.61%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$25.24 IQD 38.1K

121.16%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

$8.38 IQD 12.7K

-47.73%

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

$493 Rp 8.9M

$147 IQD 222.3K

235.12%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$799 IQD 1.2M

620.20%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$14.90 IQD 22.5K

210.00%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$23.76 IQD 35.9K

48.70%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$60.5 IQD 91.5K

30.66%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$41.72 IQD 63.0K

87.90%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$235 IQD 354.8K

386.51%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$124 IQD 187.9K

443.48%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$319 IQD 481.5K

999.31%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$194 IQD 292.4K

778.23%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$1,118 IQD 1.7M

149.12%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$455 IQD 687.3K

392.57%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$659 IQD 996.4K

-75.05%

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 11, 2026

Last update for An Najaf: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

An Najaf

$124 21.2% 81.6% $551

Groceries & Markets

Ubud, Bali

$290 21.2%

An Najaf

$151 25.7% 48.1% $140

Eating Out

Ubud, Bali

$109 8%

An Najaf

$95 16.2% 12.8% $14

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

An Najaf

$83 14.1% 23.5% $25

Clothing & Footwear

Ubud, Bali

$108 7.9%

An Najaf

$63 10.8% 41% $44

Sport & Entertainment

Ubud, Bali

$65 4.7%

An Najaf

$42 7.2% 35% $23

Getting Around

Ubud, Bali

$13 0.9%

An Najaf

$28 4.8% 123% $15

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $235 in An Najaf. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 301% higher in An Najaf, 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 $35.00 in Ubud, Bali versus $20.00 in An Najaf. Monthly groceries follow the same trend: $290 vs $151 – making An Najaf the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 An Najaf

🕒 Local time

04:24 4:24 AM

23:24 11:24 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,221,248

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.89 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 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of October 17, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,699 IQD (10,000 IQD = 5.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali An Najaf 8,750 km ≈ 11 h nonstop flight

From you

Ubud, Bali
An Najaf

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 An Najaf: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 133% more than An Najaf, 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 $2,051 per month in Ubud, Bali and $879 in An Najaf. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in An Najaf, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,368 in Ubud, Bali and $586 in An Najaf. That's a gap of about 133%.

Public transport costs about 115% less in An Najaf. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in An Najaf, where all-in costs run around $586, than in Ubud, Bali at $1,368. In An Najaf it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. An Najaf costs $586 versus $1,368 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with An Najaf. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.