Cost of Living Comparison Between Ubud, Bali and An Najaf Cost of Living Comparison Between Ubud, Bali and An Najaf

Monthly Cost of Living

A single person spends $1,404 per month in Ubud, Bali vs $677 in An Najaf, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $997 in An Najaf, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $1,317 in An Najaf, rent included.

Ubud, Bali costs about 107% more than An Najaf, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while An Najaf is 50% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$4.01 IQD 5,251

-10.97%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$23.23 IQD 30.4K

39.91%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$4.82 IQD 6,311

0.83%

Cappuccino

$2.75 Rp 49.2K

$2.67 IQD 3,500

3.00%

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

$1.32 Rp 23.7K

$0.36 IQD 476

266.67%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.18 IQD 233

288.89%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$3.41 IQD 4,462

-14.66%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.93 IQD 3,840

29.35%

Milk (1 liter)

$1.71 Rp 30.6K

$1.38 IQD 1,804

23.91%

White Bread (500g)

$2.47 Rp 44.3K

$0.78 IQD 1,021

216.67%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.57 IQD 2,058

-23.57%

Eggs

$2.44 Rp 43.8K

$1.72 IQD 2,258

41.86%

Local Cheese (1kg)

$14.38 Rp 257.7K

$2.38 IQD 3,121

504.20%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$4.80 IQD 6,281

-10.21%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$10.53 IQD 13.8K

15.95%

Apples (1kg)

$3.68 Rp 66.0K

$1.27 IQD 1,658

189.76%

Banana (1kg)

$1.55 Rp 27.8K

$1.16 IQD 1,513

33.62%

Oranges (1kg)

$2.79 Rp 49.9K

$1.06 IQD 1,387

163.21%

Tomato (1kg)

$2.33 Rp 41.8K

$0.74 IQD 963

214.86%

Potato (1kg)

$1.97 Rp 35.3K

$0.69 IQD 905

185.51%

Onion (1kg)

$2.31 Rp 41.4K

$0.68 IQD 889

239.71%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.62 IQD 806

70.97%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.37 IQD 479

97.30%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$1.49 IQD 1,951

120.13%

Wine (Bottle)

$22.79 Rp 408.4K

$13.65 IQD 17.9K

66.96%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.84 IQD 2,404

52.72%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$2.08 IQD 2,719

33.65%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.40 IQD 522

-27.50%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$34.74 IQD 45.5K

-76.80%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.92 IQD 2,515

-76.56%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$1.48 IQD 1,939

-69.59%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$4.89 IQD 6,398

27.61%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.48 IQD 632

77.08%

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

$26.0K Rp 465.4M

$11.6K IQD 15.2M

124.01%

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

$31.7K Rp 567.2M

$19.6K IQD 25.7M

61.16%

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

$80.8 Rp 1.4M

$59.8 IQD 78.3K

35.12%

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

$4.06 Rp 72.7K

$22.94 IQD 30.0K

-82.30%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$34.50 IQD 45.2K

-29.22%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$29.33 IQD 38.4K

233.00%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$15.05 IQD 19.7K

-57.14%

Cinema Ticket

$4.04 Rp 72.4K

$7.67 IQD 10.0K

-47.33%

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

$304 Rp 5.4M

$165 IQD 216.6K

83.80%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$917 IQD 1.2M

621.73%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$16.27 IQD 21.3K

233.31%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$25.45 IQD 33.3K

52.38%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$64.7 IQD 84.8K

33.08%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$42.71 IQD 55.9K

79.51%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$238 IQD 311.7K

314.08%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$132 IQD 173.4K

396.83%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$383 IQD 501.1K

780.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$151 IQD 198.2K

1265.04%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,276 IQD 1.7M

114.79%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$480 IQD 628.7K

363.96%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$752 IQD 984.2K

-78.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.67

134.22%

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

Last update for Ubud, Bali: June 9, 2026

Last update for An Najaf: June 7, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $238 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 360% 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 $33.00 in Ubud, Bali versus $23.00 in An Najaf. Monthly groceries follow the same trend: $297 vs $170 – making An Najaf the more affordable choice for daily food spending.

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 107% more than An Najaf, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $1,016 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 $1,404 in Ubud, Bali and $677 in An Najaf. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 331% 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 $677, than in Ubud, Bali at $1,404. 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 $677 versus $1,404 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.