Cost of Living Comparison Between Ubud, Bali and Arzamas Cost of Living Comparison Between Ubud, Bali and Arzamas

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $954 in Arzamas.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,466 in Arzamas.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,978 in Arzamas.

Living in Ubud, Bali is roughly 46% more expensive than in Arzamas, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Arzamas is 28% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$9.35 ₽745

-61.82%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$37.43 ₽2,979

-13.65%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$5.73 ₽456

-12.57%

Cappuccino

$2.82 Rp 51.0K

$2.25 ₽179

25.33%

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

$1.35 Rp 24.4K

$1.12 ₽88.8

20.54%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.51 ₽40.67

43.14%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.40 ₽112

109.29%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$2.49 ₽198

58.23%

Milk (1 liter)

$1.78 Rp 32.1K

$1.12 ₽88.8

58.93%

White Bread (500g)

$2.45 Rp 44.2K

$0.65 ₽52.1

276.92%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.37 ₽109

-16.06%

Eggs

$2.41 Rp 43.6K

$1.70 ₽135

41.76%

Local Cheese (1kg)

$14.33 Rp 258.7K

$10.80 ₽859

32.69%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$4.92 ₽391

-14.84%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$8.71 ₽693

38.46%

Apples (1kg)

$3.64 Rp 65.7K

$1.72 ₽137

111.63%

Banana (1kg)

$1.57 Rp 28.3K

$1.88 ₽150

-16.49%

Oranges (1kg)

$2.79 Rp 50.3K

$1.98 ₽157

40.91%

Tomato (1kg)

$2.24 Rp 40.5K

$2.71 ₽215

-17.34%

Potato (1kg)

$1.98 Rp 35.7K

$0.83 ₽66.2

138.55%

Onion (1kg)

$2.28 Rp 41.1K

$0.66 ₽52.9

245.45%

Lettuce (1 head)

$1.05 Rp 19.0K

$1.40 ₽112

-25.00%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.72 ₽57.3

9.72%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$2.85 ₽227

11.93%

Wine (Bottle)

$23.49 Rp 424.1K

$6.46 ₽514

263.62%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.01 ₽80.0

187.13%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.88 ₽150

46.81%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.53 ₽42.05

-49.06%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.91 ₽152

-76.44%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.33 ₽26.23

39.39%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$6.51 ₽518

-6.76%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.77 ₽61.3

11.69%

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

$26.6K Rp 480.0M

$33.9K ₽2.7M

-21.53%

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

$32.5K Rp 587.6M

$35.4K ₽2.8M

-7.94%

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

$79.0 Rp 1.4M

$107 ₽8,553

-26.47%

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

$4.09 Rp 73.9K

$5.82 ₽463

-29.73%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$7.94 ₽632

200.38%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$35.86 ₽2,854

175.46%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$4.01 Rp 72.3K

$5.11 ₽407

-21.53%

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

$297 Rp 5.4M

$325 ₽25.9K

-8.56%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$7,044 ₽560.7K

-6.28%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$70.2 ₽5,587

-23.88%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$45.06 ₽3,586

-15.42%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$114 ₽9,058

-22.11%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$106 ₽8,408

-27.47%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$448 ₽35.6K

127.72%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$300 ₽23.9K

126.82%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$758 ₽60.3K

357.62%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$501 ₽39.9K

317.41%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$2,008 ₽159.8K

35.88%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,434 ₽114.1K

60.12%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

15.33

-13.37%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Arzamas: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $448 in Arzamas. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $37.00 in Arzamas. Groceries flip the comparison at $298 vs $194, with Arzamas cheaper for home cooking.

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

Ubud, Bali and Arzamas differ by about 46% in total monthly costs ($1,392 vs $954 including rent). Arzamas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,088 in Ubud, Bali and $1,431 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: $1,020 in Ubud, Bali versus $448 in Arzamas. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,392 per month in Ubud, Bali versus $954 in Arzamas – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

At $954 in Arzamas versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in Arzamas but tight or insufficient in Ubud, Bali. The gap between the two cities makes Arzamas the clear choice for anyone on this budget.

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.

Safety-wise, Ubud, Bali and Arzamas 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 Arzamas gentler on the wallet – expenses run 46% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.