Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Az Zubayr

For one person, living is cheaper in Az Zubayr: $656 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,300 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
32

Cost of Living Index in Az Zubayr
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Az Zubayr Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Az Zubayr

🇮🇶 Iraq

$656

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Az Zubayr

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $656 in Az Zubayr.

Ubud, Bali $1,349
Az Zubayr $656

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,021 in Az Zubayr.

Ubud, Bali $2,305
Az Zubayr $1,021

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,387 in Az Zubayr.

Ubud, Bali $3,261
Az Zubayr $1,387

Living in Ubud, Bali is roughly 106% more expensive than in Az Zubayr, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$4.37 IQD 6,602

-24.03%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$19.52 IQD 29.5K

82.58%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$5.58 IQD 8,436

-0.90%

Cappuccino

$2.72 Rp 49.3K

$2.65 IQD 4,001

2.64%

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

$1.70 Rp 30.9K

$0.33 IQD 497

415.15%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.20 IQD 297

280.00%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$3.38 IQD 5,107

-21.60%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$2.28 IQD 3,447

92.11%

Milk (1 liter)

$1.49 Rp 27.0K

$1.00 IQD 1,513

49.00%

White Bread (500g)

$2.28 Rp 41.3K

$0.76 IQD 1,152

200.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.59 IQD 2,399

-25.16%

Eggs

$2.04 Rp 36.9K

$1.46 IQD 2,203

39.73%

Local Cheese (1kg)

$17.70 Rp 321.1K

$4.38 IQD 6,621

304.11%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$3.43 IQD 5,189

15.45%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$12.09 IQD 18.3K

0.83%

Apples (1kg)

$3.66 Rp 66.3K

$1.07 IQD 1,623

242.06%

Banana (1kg)

$1.52 Rp 27.5K

$0.99 IQD 1,502

53.54%

Oranges (1kg)

$2.23 Rp 40.4K

$1.03 IQD 1,561

116.50%

Tomato (1kg)

$1.97 Rp 35.8K

$0.66 IQD 994

198.48%

Potato (1kg)

$1.85 Rp 33.5K

$0.57 IQD 855

224.56%

Onion (1kg)

$2.42 Rp 44.0K

$0.67 IQD 1,012

261.19%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.56 IQD 852

76.79%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.44 IQD 671

15.91%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$1.47 IQD 2,225

51.02%

Wine (Bottle)

$22.24 Rp 403.4K

$11.27 IQD 17.0K

97.34%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.42 IQD 2,149

59.15%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.62 IQD 2,450

83.33%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.32 IQD 479

-21.88%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$1.68 IQD 2,543

-73.81%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.12 IQD 1,698

-61.61%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$5.39 IQD 8,146

0.37%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.53 IQD 803

54.72%

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

$23.8K Rp 432.4M

$15.9K IQD 24.0M

50.24%

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

$31.7K Rp 575.9M

$16.5K IQD 24.9M

92.77%

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

$79.1 Rp 1.4M

$94.9 IQD 143.4K

-16.67%

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

$6.45 Rp 116.9K

$11.70 IQD 17.7K

-44.87%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$27.28 IQD 41.2K

-31.89%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$39.31 IQD 59.4K

25.87%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$7.83 IQD 11.8K

-45.47%

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

$491 Rp 8.9M

$137 IQD 206.7K

258.53%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$2,772 IQD 4.2M

104.72%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$18.27 IQD 27.6K

144.33%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$21.75 IQD 32.9K

60.69%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$53.7 IQD 81.2K

48.76%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$39.29 IQD 59.4K

102.14%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$200 IQD 302.7K

461.50%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$133 IQD 200.3K

406.67%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$418 IQD 631.5K

752.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$315 IQD 476.0K

446.99%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$833 IQD 1.3M

228.02%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$479 IQD 723.6K

376.92%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.12

234.47%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Az Zubayr: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Az Zubayr

$133 20.2% 80.3% $539

Groceries & Markets

Ubud, Bali

$288 21.4%

Az Zubayr

$159 24.2% 45% $130

Eating Out

Ubud, Bali

$108 8%

Az Zubayr

$107 16.3% 0.6% $0.6

Clothing & Footwear

Ubud, Bali

$108 8%

Az Zubayr

$60 9.1% 44.3% $48

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Az Zubayr

$134 20.4% 28.6% $30

Sport & Entertainment

Ubud, Bali

$58 4.3%

Az Zubayr

$55 8.4% 5.3% $3.1

Getting Around

Ubud, Bali

$11 0.9%

Az Zubayr

$8.6 * 1.3% 25% $2.8

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $200 in Az Zubayr. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $20 in Az Zubayr for a mid-range dinner for two. Groceries echo the gap at $288 vs $159 per month, with Az Zubayr cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Az Zubayr

🕒 Local time

08:12 8:12 AM

03:12 3:12 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

370,000

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.93 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of November 2, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,687 IQD (10,000 IQD = 5.93 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Az Zubayr 8,390 km ≈ 11 h nonstop flight

From you

Ubud, Bali
Az Zubayr

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 Az Zubayr: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $656 in Az Zubayr, so Az Zubayr is about 51% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $2,023 in Ubud, Bali and $983 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: $1,125 in Ubud, Bali versus $200 in Az Zubayr. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 82% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $656 in Az Zubayr – Az Zubayr is about 51% cheaper, which adds up to real savings over time.

At $656 in Az Zubayr versus $1,349 in Ubud, Bali, a $1,200 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.