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 $1,379 per month in Ubud, Bali vs $637 in An Najaf, rent included.

A couple spends around $2,363 per month in Ubud, Bali vs $972 in An Najaf, rent included.

A family of three spends $3,347 per month in Ubud, Bali vs $1,307 in An Najaf, rent included.

Ubud, Bali costs about 116% more than An Najaf, driven mainly by Groceries & Markets.

Ubud, Bali sits 1% above the global median, while An Najaf is 53% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$4.64 IQD 6,074

-28.66%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$22.73 IQD 29.8K

71.93%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$4.90 IQD 6,422

14.69%

Cappuccino

$2.64 Rp 46.9K

$2.59 IQD 3,394

1.93%

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

$1.58 Rp 28.2K

$0.40 IQD 521

295.00%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.24 IQD 314

195.83%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$3.71 IQD 4,860

-26.42%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$1.99 IQD 2,604

117.09%

Milk (1 liter)

$1.54 Rp 27.4K

$1.06 IQD 1,389

45.28%

White Bread (500g)

$2.30 Rp 40.8K

$0.83 IQD 1,092

177.11%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.53 IQD 2,000

-32.68%

Eggs

$2.12 Rp 37.7K

$1.73 IQD 2,270

22.54%

Local Cheese (1kg)

$17.30 Rp 307.5K

$3.61 IQD 4,728

379.22%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$4.70 IQD 6,154

-14.26%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$10.75 IQD 14.1K

15.53%

Apples (1kg)

$3.70 Rp 65.7K

$1.11 IQD 1,453

233.33%

Banana (1kg)

$1.62 Rp 28.7K

$1.08 IQD 1,417

50.00%

Oranges (1kg)

$2.27 Rp 40.3K

$1.00 IQD 1,309

127.00%

Tomato (1kg)

$1.99 Rp 35.4K

$0.73 IQD 958

172.60%

Potato (1kg)

$1.83 Rp 32.5K

$0.65 IQD 854

181.54%

Onion (1kg)

$2.25 Rp 40.1K

$0.65 IQD 852

246.15%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.62 IQD 817

67.74%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.53 IQD 696

5.66%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$1.69 IQD 2,212

31.36%

Wine (Bottle)

$23.22 Rp 412.7K

$13.45 IQD 17.6K

72.64%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$2.15 IQD 2,810

11.16%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$2.18 IQD 2,857

31.65%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$0.35 IQD 462

-28.57%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.51 IQD 1,973

-69.54%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.52 IQD 1,988

-69.74%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$5.38 IQD 7,043

5.95%

Gasoline (1 liter)

$0.76 Rp 13.6K

$0.48 IQD 627

58.33%

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

$24.6K Rp 436.7M

$11.9K IQD 15.6M

105.88%

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

$31.0K Rp 551.5M

$18.4K IQD 24.1M

68.69%

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

$82.2 Rp 1.5M

$37.65 IQD 49.3K

118.25%

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

$6.33 Rp 112.5K

$17.15 IQD 22.5K

-63.09%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$37.09 IQD 48.6K

-50.01%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$29.17 IQD 38.2K

92.15%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$9.76 IQD 12.8K

-56.35%

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

$489 Rp 8.7M

$166 IQD 217.3K

194.86%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$902 IQD 1.2M

542.42%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$16.74 IQD 21.9K

174.67%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$26.64 IQD 34.9K

34.61%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$73.3 IQD 96.0K

8.49%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$51.6 IQD 67.5K

56.93%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$255 IQD 333.7K

348.91%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$137 IQD 179.8K

403.92%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$334 IQD 437.3K

957.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$201 IQD 262.7K

752.01%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$1,250 IQD 1.6M

122.68%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$493 IQD 645.9K

358.48%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$725 IQD 949.9K

-76.66%

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: August 15, 2026

Last update for An Najaf: August 16, 2026

Cost Breakdown

A central one-bedroom costs $1,144 in Ubud, Bali versus $255 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 328% 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 $39.00 in Ubud, Bali versus $23.00 in An Najaf. Monthly groceries follow the same trend: $293 vs $172 – 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 116% 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 $2,069 per month in Ubud, Bali and $956 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 $1,379 in Ubud, Bali and $637 in An Najaf. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $489 per month in Ubud, Bali and $166 in An Najaf. 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 An Najaf, where all-in costs run around $637, than in Ubud, Bali at $1,379. 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 $637 versus $1,379 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.