Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ar Ramadi

For one person, living is cheaper in Ar Ramadi: $657 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,300 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
32

Cost of Living Index in Ar Ramadi
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Ar Ramadi Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ar Ramadi

🇮🇶 Iraq

$657

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Ar Ramadi

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 Ar Ramadi actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $657 in Ar Ramadi, rent included.

Ubud, Bali $1,349
Ar Ramadi $657

A couple spends around $2,305 per month in Ubud, Bali vs $1,037 in Ar Ramadi, rent included.

Ubud, Bali $2,305
Ar Ramadi $1,037

A family of three spends $3,261 per month in Ubud, Bali vs $1,416 in Ar Ramadi, rent included.

Ubud, Bali $3,261
Ar Ramadi $1,416

Ubud, Bali costs about 105% more than Ar Ramadi, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$4.74 IQD 7,156

-29.96%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.0K

$22.71 IQD 34.3K

56.94%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$5.52 IQD 8,329

0.18%

Cappuccino

$2.72 Rp 49.3K

$2.65 IQD 4,005

2.64%

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

$1.70 Rp 30.8K

$0.32 IQD 478

431.25%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.20 IQD 297

280.00%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$3.25 IQD 4,913

-18.46%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$2.86 IQD 4,323

53.15%

Milk (1 liter)

$1.49 Rp 27.0K

$1.03 IQD 1,552

44.66%

White Bread (500g)

$2.28 Rp 41.3K

$0.79 IQD 1,190

188.61%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.45 IQD 2,192

-17.93%

Eggs

$2.04 Rp 36.9K

$1.55 IQD 2,338

31.61%

Local Cheese (1kg)

$17.70 Rp 320.8K

$3.97 IQD 6,001

345.84%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$3.52 IQD 5,321

12.50%

Beef Round Steak (1kg)

$12.19 Rp 221.0K

$11.45 IQD 17.3K

6.46%

Apples (1kg)

$3.66 Rp 66.3K

$0.96 IQD 1,447

281.25%

Banana (1kg)

$1.52 Rp 27.5K

$0.93 IQD 1,405

63.44%

Oranges (1kg)

$2.23 Rp 40.4K

$0.95 IQD 1,433

134.74%

Tomato (1kg)

$1.97 Rp 35.8K

$0.64 IQD 967

207.81%

Potato (1kg)

$1.85 Rp 33.5K

$0.55 IQD 830

236.36%

Onion (1kg)

$2.42 Rp 43.9K

$0.57 IQD 861

324.56%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.62 IQD 935

59.68%

Water (1.5 liter bottle)

$0.51 Rp 9,306

$0.50 IQD 754

2.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$1.69 IQD 2,559

31.36%

Wine (Bottle)

$22.24 Rp 403.1K

$11.33 IQD 17.1K

96.29%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.51 IQD 2,273

49.67%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.85 IQD 2,789

60.54%

One-way Ticket (Public Transport)

$0.25 Rp 4,550

$0.32 IQD 488

-21.88%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,967

$1.65 IQD 2,497

-73.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,796

$1.13 IQD 1,701

-61.95%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$6.08 IQD 9,184

-11.02%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.48 IQD 730

70.83%

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

$23.8K Rp 432.1M

$19.0K IQD 28.6M

25.77%

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

$31.7K Rp 575.5M

$16.0K IQD 24.1M

98.60%

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

$79.1 Rp 1.4M

$83.3 IQD 125.8K

-5.10%

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

$6.45 Rp 116.8K

$12.23 IQD 18.5K

-47.26%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$27.20 IQD 41.1K

-31.69%

Gym Membership (Monthly)

$49.48 Rp 896.9K

$41.08 IQD 62.0K

20.45%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.9K

Cinema Ticket

$4.27 Rp 77.5K

$10.03 IQD 15.1K

-57.43%

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

$491 Rp 8.9M

$149 IQD 225.1K

229.02%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$2,779 IQD 4.2M

104.19%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.1K

$20.31 IQD 30.7K

119.79%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.5K

$25.65 IQD 38.7K

36.26%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$63.6 IQD 96.0K

25.63%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$41.71 IQD 63.0K

90.41%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$233 IQD 351.5K

383.29%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$130 IQD 196.2K

416.93%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$375 IQD 566.3K

850.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$308 IQD 464.9K

459.79%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$807 IQD 1.2M

238.59%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$483 IQD 729.7K

372.62%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

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 Ar Ramadi: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ar Ramadi

$130 19.8% 80.7% $542

Groceries & Markets

Ubud, Bali

$288 21.4%

Ar Ramadi

$157 23.8% 45.7% $132

Eating Out

Ubud, Bali

$108 8%

Ar Ramadi

$110 16.8% 2.5% $2.6

Clothing & Footwear

Ubud, Bali

$108 8%

Ar Ramadi

$68 10.4% 36.7% $39

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ar Ramadi

$123 18.7% 17.9% $19

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ar Ramadi

$61 9.3% 5.4% $3.1

Getting Around

Ubud, Bali

$11 0.9%

Ar Ramadi

$8.6 * 1.3% 24.9% $2.8

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 $233 in Ar Ramadi. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $36 in Ubud, Bali versus $23 in Ar Ramadi. Monthly groceries follow the same trend: $288 vs $157 – making Ar Ramadi the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Ar Ramadi

🕒 Local time

03:08 3:08 AM

22:08 10:08 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

223,500

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.93 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 29, 2026: 1 USD = 18,125 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,227 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of October 29, 2026: 1 USD = 1,510 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,685 IQD (10,000 IQD = 5.93 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ar Ramadi 8,890 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Ar Ramadi

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 Ar Ramadi: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 105% more than Ar Ramadi, 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 $2,023 per month in Ubud, Bali and $986 in Ar Ramadi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ar Ramadi, especially for central apartments: a one-bedroom in the center costs $233 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $657 in Ar Ramadi. That makes Ar Ramadi about 51% cheaper.

Kindergarten costs $491 per month in Ubud, Bali and $149 in Ar Ramadi. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $800 monthly budget goes further in Ar Ramadi, where all-in costs run around $657, than in Ubud, Bali at $1,349. In Ar Ramadi it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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