Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Artem

For one person, living is cheaper in Artem: $1,095 a month against $1,348 in Ubud, Bali, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
54

Cost of Living Index in Artem
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Artem Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Artem

🇷🇺 Russia

$1,095

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Artem

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $1,095 in Artem.

Ubud, Bali $1,348
Artem $1,095

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $1,729 in Artem.

Ubud, Bali $2,312
Artem $1,729

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $2,362 in Artem.

Ubud, Bali $3,276
Artem $2,362

Living in Ubud, Bali is roughly 23% more expensive than in Artem, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 1% above, Artem is 18% below.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$11.95 ₽1,017

-72.13%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$35.43 ₽3,015

-0.03%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$6.30 ₽536

-8.57%

Cappuccino

$2.63 Rp 47.0K

$3.02 ₽257

-12.91%

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

$1.74 Rp 31.0K

$1.04 ₽88.6

67.31%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$0.69 ₽58.5

11.59%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$1.45 ₽123

86.90%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$2.30 ₽196

96.52%

Milk (1 liter)

$1.53 Rp 27.4K

$1.68 ₽143

-8.93%

White Bread (500g)

$2.20 Rp 39.2K

$0.66 ₽56.0

233.33%

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.61 ₽137

-24.22%

Eggs

$2.14 Rp 38.2K

$2.34 ₽199

-8.55%

Local Cheese (1kg)

$17.73 Rp 316.9K

$13.16 ₽1,120

34.73%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$6.23 ₽530

-38.04%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$11.07 ₽942

8.67%

Apples (1kg)

$3.61 Rp 64.5K

$2.90 ₽247

24.48%

Banana (1kg)

$1.51 Rp 27.1K

$2.08 ₽177

-27.40%

Oranges (1kg)

$2.32 Rp 41.4K

$2.69 ₽229

-13.75%

Tomato (1kg)

$2.00 Rp 35.8K

$4.12 ₽351

-51.46%

Potato (1kg)

$1.81 Rp 32.4K

$0.98 ₽83.3

84.69%

Onion (1kg)

$2.39 Rp 42.7K

$1.03 ₽87.7

132.04%

Lettuce (1 head)

$0.99 Rp 17.8K

$1.29 ₽110

-23.26%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$1.05 ₽89.3

-50.48%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$2.91 ₽248

-25.09%

Wine (Bottle)

$22.98 Rp 410.7K

$7.61 ₽648

201.97%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.16 ₽98.6

106.90%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$2.30 ₽196

30.43%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$0.56 ₽47.30

-57.14%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$2.40 ₽204

-81.67%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$0.34 ₽29.07

23.53%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$5.89 ₽501

-7.47%

Gasoline (1 liter)

$0.84 Rp 15.1K

$0.86 ₽72.8

-2.33%

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

$24.3K Rp 434.8M

$44.8K ₽3.8M

-45.75%

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

$31.9K Rp 570.0M

$35.2K ₽3.0M

-9.42%

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

$80.8 Rp 1.4M

$153 ₽13.0K

-47.19%

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

$6.58 Rp 117.6K

$8.22 ₽699

-19.95%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$9.21 ₽784

98.05%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$37.85 ₽3,221

45.65%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$20.31 ₽1,728

-8.86%

Cinema Ticket

$4.24 Rp 75.9K

$5.34 ₽454

-20.60%

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

$486 Rp 8.7M

$348 ₽29.6K

39.76%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$6,051 ₽514.9K

-6.19%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$78.1 ₽6,643

-42.13%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$51.6 ₽4,389

-32.99%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$97.2 ₽8,270

-18.56%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$125 ₽10.6K

-37.81%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$387 ₽32.9K

191.24%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$312 ₽26.5K

116.23%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$983 ₽83.7K

268.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$629 ₽53.5K

175.94%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$2,160 ₽183.8K

30.97%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,297 ₽110.3K

77.91%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

23.6

-41.61%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Artem: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Artem

$312 28% 53.8% $362

Groceries & Markets

Ubud, Bali

$290 21.4%

Artem

$250 22.4% 13.9% $40

Eating Out

Ubud, Bali

$108 8%

Artem

$170 15.2% 56.9% $61

Clothing & Footwear

Ubud, Bali

$106 7.8%

Artem

$158 14.2% 48.7% $52

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Artem

$170 15.3% 61.4% $65

Sport & Entertainment

Ubud, Bali

$64 4.7%

Artem

$49 4.4% 23.7% $15

Getting Around

Ubud, Bali

$11 0.8%

Artem

$6.3 * 0.6% 39.7% $4.2

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $387 in Artem. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $35.00 in Artem. Groceries flip the comparison at $290 vs $250, with Artem cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Artem

🕒 Local time

21:55 9:55 PM

23:55 11:55 PM

2 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

104,926

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

100 RUB = 1.18 USD

100 RUB = 1.05 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Russian Ruble exchange rates as of October 10, 2026: 1 USD = 85.09 RUB (100 RUB = 1.18 USD). 1 EUR = 95.35 RUB (100 RUB = 1.05 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Artem 6,020 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Artem

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 Artem: Cost of Living - Frequently Asked Questions

Artem wins on cost – living expenses run 23% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Artem the obvious pick if budget is a priority.

You'd need roughly $2,022 in Ubud, Bali and $1,643 in Artem to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,127 in Ubud, Bali versus $387 in Artem. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $486 in Ubud, Bali versus $348 in Artem. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Artem – a meal for two runs $35.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,095 in Artem versus $1,348 in Ubud, Bali, a $1,000 budget is realistic in Artem but tight or insufficient in Ubud, Bali. The gap between the two cities makes Artem the clear choice for anyone on this budget.

Both work as nomad bases, but Artem delivers better value – similar infrastructure at $1,095 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Artem hard to pass up.

Safety-wise, Ubud, Bali and Artem are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Artem gentler on the wallet – expenses run 23% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.