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: $1,368 in Ubud, Bali versus $1,011 in Arzamas.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,597 in Arzamas.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,182 in Arzamas.

Living in Ubud, Bali is roughly 35% more expensive than in Arzamas, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Arzamas is 26% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$10.66 ₽901

-67.73%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$31.71 ₽2,679

14.51%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$6.90 ₽583

-17.25%

Cappuccino

$2.67 Rp 47.3K

$2.42 ₽205

10.33%

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

$1.75 Rp 31.0K

$1.04 ₽87.6

68.27%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.56 ₽47.00

55.36%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.91 ₽162

54.45%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.14 ₽265

43.95%

Milk (1 liter)

$1.62 Rp 28.7K

$1.17 ₽98.6

38.46%

White Bread (500g)

$2.33 Rp 41.3K

$0.75 ₽63.3

210.67%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.25 ₽105

-11.20%

Eggs

$2.20 Rp 39.0K

$1.37 ₽116

60.58%

Local Cheese (1kg)

$17.69 Rp 313.3K

$10.29 ₽869

71.91%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$5.12 ₽433

-19.92%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$10.12 ₽855

20.36%

Apples (1kg)

$3.71 Rp 65.6K

$1.70 ₽144

118.24%

Banana (1kg)

$1.59 Rp 28.1K

$1.59 ₽134

Oranges (1kg)

$2.28 Rp 40.4K

$1.65 ₽139

38.18%

Tomato (1kg)

$1.95 Rp 34.6K

$2.76 ₽234

-29.35%

Potato (1kg)

$1.91 Rp 33.7K

$0.69 ₽58.0

176.81%

Onion (1kg)

$2.33 Rp 41.3K

$0.61 ₽51.8

281.97%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.41 ₽119

-28.37%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.66 ₽55.9

-16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.16 ₽267

-29.43%

Wine (Bottle)

$23.07 Rp 408.6K

$7.78 ₽657

196.53%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.05 ₽89.1

130.48%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.05 ₽173

46.34%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.49 ₽41.65

-44.90%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$2.40 ₽203

-80.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.28 ₽23.96

53.57%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$6.20 ₽524

-9.03%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.85 ₽72.1

-5.88%

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

$24.9K Rp 441.7M

$30.0K ₽2.5M

-16.96%

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

$31.7K Rp 561.5M

$32.7K ₽2.8M

-3.10%

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

$81.5 Rp 1.4M

$114 ₽9,661

-28.76%

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

$6.49 Rp 115.0K

$6.21 ₽524

4.51%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$8.09 ₽684

132.01%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$38.88 ₽3,285

46.27%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$22.50 ₽1,901

-16.76%

Cinema Ticket

$4.54 Rp 80.4K

$5.12 ₽432

-11.33%

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

$481 Rp 8.5M

$289 ₽24.4K

66.20%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$7,150 ₽604.1K

-20.12%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$65.5 ₽5,533

-30.49%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$56.6 ₽4,782

-36.61%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$112 ₽9,447

-28.11%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$94.1 ₽7,946

-16.35%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$298 ₽25.2K

274.28%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$317 ₽26.8K

119.93%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$481 ₽40.6K

656.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$568 ₽48.0K

206.07%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$2,219 ₽187.5K

25.47%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$1,399 ₽118.2K

63.70%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-34.38%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Arzamas: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $298 in Arzamas. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $32.00 in Arzamas for a mid-range dinner for two. Groceries echo the gap at $295 vs $197 per month, with Arzamas cheaper across the board.

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 35% in total monthly costs ($1,368 vs $1,011 including rent). Arzamas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,052 in Ubud, Bali and $1,516 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: $1,115 in Ubud, Bali versus $298 in Arzamas. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 50% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $1,011 in Arzamas – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,011 in Arzamas versus $1,368 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 35% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.