Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Arzamas

For one person, living is cheaper in Arzamas: $1,117 a month against $1,349 in Ubud, Bali, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
53

Cost of Living Index in Arzamas
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Arzamas Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Arzamas

🇷🇺 Russia

$1,117

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,117 in Arzamas.

Ubud, Bali $1,349
Arzamas $1,117

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,737 in Arzamas.

Ubud, Bali $2,305
Arzamas $1,737

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,357 in Arzamas.

Ubud, Bali $3,261
Arzamas $2,357

Living in Ubud, Bali is roughly 21% more expensive than in Arzamas, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$12.60 ₽1,015

-73.65%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$38.36 ₽3,090

-7.09%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$6.10 ₽491

-9.34%

Cappuccino

$2.72 Rp 49.3K

$2.65 ₽214

2.64%

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

$1.70 Rp 30.8K

$1.08 ₽86.9

57.41%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.66 ₽52.9

15.15%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.90 ₽153

39.47%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$3.22 ₽260

36.02%

Milk (1 liter)

$1.49 Rp 27.0K

$1.30 ₽105

14.62%

White Bread (500g)

$2.28 Rp 41.2K

$0.79 ₽63.8

188.61%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.57 ₽127

-24.20%

Eggs

$2.04 Rp 36.9K

$1.68 ₽136

21.43%

Local Cheese (1kg)

$17.70 Rp 320.8K

$9.96 ₽802

77.71%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$5.69 ₽458

-30.40%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$12.43 ₽1,001

-1.93%

Apples (1kg)

$3.66 Rp 66.2K

$1.79 ₽144

104.47%

Banana (1kg)

$1.52 Rp 27.5K

$1.79 ₽144

-15.08%

Oranges (1kg)

$2.23 Rp 40.4K

$1.58 ₽127

41.14%

Tomato (1kg)

$1.97 Rp 35.7K

$3.03 ₽244

-34.98%

Potato (1kg)

$1.85 Rp 33.5K

$0.77 ₽61.9

140.26%

Onion (1kg)

$2.42 Rp 43.9K

$0.54 ₽43.79

348.15%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.31 ₽105

-24.43%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.73 ₽59.0

-30.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.69 ₽216

-17.47%

Wine (Bottle)

$22.24 Rp 403.0K

$8.28 ₽667

168.60%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.20 ₽97.0

88.33%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.06 ₽166

44.17%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$0.51 ₽40.90

-50.98%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$26.27 ₽2,115

-70.23%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$2.27 ₽183

-80.62%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.34 ₽27.10

26.47%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$5.64 ₽454

-4.08%

Gasoline (1 liter)

$0.82 Rp 14.9K

$0.92 ₽74.5

-10.87%

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

$23.8K Rp 432.0M

$60.6K ₽4.9M

-60.65%

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

$31.7K Rp 575.3M

$41.2K ₽3.3M

-22.91%

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

$79.1 Rp 1.4M

$143 ₽11.5K

-44.58%

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

$6.45 Rp 116.8K

$7.06 ₽568

-8.64%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$7.59 ₽611

144.80%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$36.06 ₽2,904

37.22%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$25.44 ₽2,049

-30.62%

Cinema Ticket

$4.27 Rp 77.4K

$6.94 ₽559

-38.47%

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

$491 Rp 8.9M

$373 ₽30.1K

31.45%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$7,263 ₽584.9K

-21.87%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$76.4 ₽6,156

-41.60%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$51.3 ₽4,128

-31.82%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$116 ₽9,369

-31.32%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$113 ₽9,109

-29.79%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$303 ₽24.4K

270.64%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$328 ₽26.4K

104.53%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$497 ₽40.0K

617.66%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$596 ₽48.0K

189.25%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,238 ₽180.2K

22.06%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,752 ₽141.1K

30.33%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

21.45

-35.76%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Arzamas: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Arzamas

$328 29.4% 51.1% $343

Groceries & Markets

Ubud, Bali

$288 21.4%

Arzamas

$215 19.2% 25.5% $74

Eating Out

Ubud, Bali

$108 8%

Arzamas

$174 15.6% 61.4% $66

Clothing & Footwear

Ubud, Bali

$108 8%

Arzamas

$161 14.4% 49.5% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Arzamas

$157 14.1% 51.1% $53

Sport & Entertainment

Ubud, Bali

$58 4.3%

Arzamas

$50 4.5% 13.9% $8.1

Getting Around

Ubud, Bali

$11 0.9%

Arzamas

$32 2.9% 182% $21

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $303 in Arzamas. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $38 in Arzamas. Groceries flip the comparison at $288 vs $215, with Arzamas cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Arzamas

🕒 Local time

10:04 10:04 AM

05:04 5:04 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

103,396

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

100 RUB = 1.24 USD

100 RUB = 1.11 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 November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Russian Ruble exchange rates as of November 2, 2026: 1 USD = 80.53 RUB (100 RUB = 1.24 USD). 1 EUR = 89.92 RUB (100 RUB = 1.11 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Arzamas 9,640 km ≈ 13 h nonstop flight

From you

Ubud, Bali
Arzamas

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 Arzamas: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,117 in Arzamas, so Arzamas is about 17% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $2,023 in Ubud, Bali and $1,676 in Arzamas 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: $1,125 in Ubud, Bali versus $303 in Arzamas. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,117 in Arzamas – Arzamas is about 17% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 70% less than in Arzamas. The price difference matters if you commute daily and watch your budget.

Either city works on $2,000 a month, though Arzamas gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.