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: $1,404 in Ubud, Bali versus $950 in Arzamas.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $1,487 in Arzamas.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $2,025 in Arzamas.

Living in Ubud, Bali is roughly 48% more expensive than Arzamas, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Arzamas is 29% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$9.77 ₽708

-63.46%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$38.36 ₽2,780

-15.28%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$5.59 ₽405

-13.06%

Cappuccino

$2.75 Rp 49.2K

$2.37 ₽172

16.03%

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

$1.32 Rp 23.7K

$1.11 ₽80.6

18.92%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.52 ₽37.83

34.62%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.43 ₽104

103.50%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.46 ₽179

54.07%

Milk (1 liter)

$1.71 Rp 30.6K

$1.15 ₽83.4

48.70%

White Bread (500g)

$2.47 Rp 44.3K

$0.69 ₽50.4

257.97%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.36 ₽98.9

-11.76%

Eggs

$2.44 Rp 43.8K

$1.80 ₽131

35.56%

Local Cheese (1kg)

$14.38 Rp 257.7K

$10.75 ₽779

33.77%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$4.94 ₽358

-12.75%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$8.80 ₽638

38.75%

Apples (1kg)

$3.68 Rp 66.0K

$1.75 ₽127

110.29%

Banana (1kg)

$1.55 Rp 27.8K

$1.81 ₽131

-14.36%

Oranges (1kg)

$2.79 Rp 49.9K

$1.98 ₽144

40.91%

Tomato (1kg)

$2.33 Rp 41.8K

$2.67 ₽193

-12.73%

Potato (1kg)

$1.97 Rp 35.3K

$0.80 ₽58.2

146.25%

Onion (1kg)

$2.31 Rp 41.4K

$0.72 ₽52.3

220.83%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.35 ₽98.0

-21.48%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.71 ₽51.8

2.82%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$2.90 ₽210

13.10%

Wine (Bottle)

$22.79 Rp 408.4K

$6.77 ₽491

236.63%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.01 ₽72.9

178.22%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.96 ₽142

41.84%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.53 ₽38.30

-45.28%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.89 ₽137

-76.19%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.35 ₽25.49

28.57%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$6.28 ₽455

-0.64%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.77 ₽56.1

10.39%

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

$26.0K Rp 465.4M

$34.0K ₽2.5M

-23.60%

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

$31.7K Rp 567.2M

$35.9K ₽2.6M

-11.90%

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

$80.8 Rp 1.4M

$110 ₽7,979

-26.67%

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

$4.06 Rp 72.7K

$6.09 ₽441

-33.33%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$8.03 ₽582

204.11%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$34.93 ₽2,531

179.62%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$4.04 Rp 72.4K

$5.22 ₽378

-22.61%

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

$304 Rp 5.4M

$330 ₽23.9K

-7.89%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$7,082 ₽513.1K

-6.50%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$70.4 ₽5,100

-22.95%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$45.14 ₽3,271

-14.09%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$115 ₽8,368

-25.41%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$107 ₽7,768

-28.49%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$451 ₽32.7K

118.70%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$309 ₽22.4K

113.10%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$764 ₽55.4K

340.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$500 ₽36.3K

312.93%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$2,217 ₽160.6K

23.67%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$1,864 ₽135.1K

19.48%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

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: June 9, 2026

Last update for Arzamas: June 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $451 in Arzamas. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $38.00 in Arzamas. Groceries flip the comparison at $297 vs $196, 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 48% in total monthly costs ($1,404 vs $950 including rent). Arzamas is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,106 in Ubud, Bali and $1,424 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: $986 in Ubud, Bali versus $451 in Arzamas. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 52% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,404 per month in Ubud, Bali versus $950 in Arzamas – a 48% gap that adds up to real savings over time for anyone picking the cheaper option.

At $950 in Arzamas versus $1,404 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 48% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.