Cost of Living Comparison Between Ubud, Bali and Az Zubayr Cost of Living Comparison Between Ubud, Bali and Az Zubayr

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $728 in Az Zubayr.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,155 in Az Zubayr.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,582 in Az Zubayr.

Living in Ubud, Bali is roughly 95% more expensive than Az Zubayr, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Az Zubayr is 46% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$3.99 IQD 5,222

-10.78%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$25.15 IQD 32.9K

30.14%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$6.69 IQD 8,761

-26.01%

Cappuccino

$2.71 Rp 48.4K

$2.67 IQD 3,493

1.50%

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

$1.34 Rp 24.0K

$0.37 IQD 484

262.16%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.17 IQD 217

311.76%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$2.92 IQD 3,829

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.81 IQD 3,679

40.93%

Milk (1 liter)

$1.81 Rp 32.3K

$1.30 IQD 1,709

39.23%

White Bread (500g)

$2.52 Rp 45.0K

$0.85 IQD 1,113

196.47%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.61 IQD 2,104

-27.95%

Eggs

$2.46 Rp 43.9K

$1.81 IQD 2,365

35.91%

Local Cheese (1kg)

$14.71 Rp 262.7K

$4.58 IQD 6,002

221.18%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$4.76 IQD 6,237

-9.24%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$12.90 IQD 16.9K

-5.89%

Apples (1kg)

$3.84 Rp 68.6K

$1.15 IQD 1,508

233.91%

Banana (1kg)

$1.56 Rp 27.8K

$1.17 IQD 1,530

33.33%

Oranges (1kg)

$2.83 Rp 50.6K

$1.02 IQD 1,333

177.45%

Tomato (1kg)

$2.33 Rp 41.5K

$0.70 IQD 918

232.86%

Potato (1kg)

$1.91 Rp 34.2K

$0.69 IQD 904

176.81%

Onion (1kg)

$2.20 Rp 39.3K

$0.66 IQD 869

233.33%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.66 IQD 867

53.03%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.57 IQD 742

36.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$1.97 IQD 2,575

68.53%

Wine (Bottle)

$23.74 Rp 423.9K

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.79 IQD 2,348

55.87%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$2.15 IQD 2,813

33.02%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.36 IQD 477

-25.00%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$31.38 IQD 41.1K

-74.41%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$2.36 IQD 3,085

-80.51%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$1.55 IQD 2,023

-70.97%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$6.02 IQD 7,878

1.33%

Gasoline (1 liter)

$0.79 Rp 14.2K

$0.53 IQD 696

49.06%

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

$26.1K Rp 467.0M

$19.3K IQD 25.3M

35.60%

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

$32.1K Rp 573.6M

$20.2K IQD 26.5M

58.78%

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

$79.9 Rp 1.4M

$78.0 IQD 102.1K

2.53%

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

$4.06 Rp 72.6K

$17.86 IQD 23.4K

-77.27%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$35.04 IQD 45.9K

-32.88%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$36.70 IQD 48.1K

168.94%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$16.76 IQD 21.9K

-60.44%

Cinema Ticket

$4.15 Rp 74.1K

$7.81 IQD 10.2K

-46.86%

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

$304 Rp 5.4M

$151 IQD 198.1K

100.89%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$3,250 IQD 4.3M

103.47%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$27.46 IQD 36.0K

102.26%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$25.63 IQD 33.6K

49.47%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$62.3 IQD 81.6K

42.19%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$41.70 IQD 54.6K

86.74%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$239 IQD 313.5K

320.41%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$180 IQD 236.4K

274.16%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$591 IQD 773.6K

482.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$338 IQD 443.1K

502.74%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.67

134.22%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Az Zubayr: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $239 in Az Zubayr. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $25.00 in Az Zubayr for a mid-range dinner for two. Groceries echo the gap at $302 vs $158 per month, with Az Zubayr 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 Az Zubayr: Cost of Living - Frequently Asked Questions

Ubud, Bali and Az Zubayr differ by about 95% in total monthly costs ($1,419 vs $728 including rent). Az Zubayr is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,129 in Ubud, Bali and $1,091 in Az Zubayr 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: $1,006 in Ubud, Bali versus $239 in Az Zubayr. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 91% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Az Zubayr – a meal for two runs $25.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $728 in Az Zubayr versus $1,419 in Ubud, Bali, a $2,000 budget is realistic in Az Zubayr but tight or insufficient in Ubud, Bali. The gap between the two cities makes Az Zubayr 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 Az Zubayr 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 Az Zubayr gentler on the wallet – expenses run 95% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.