Cost of Living Comparison Between Ubud, Bali and Bila Tserkva Cost of Living Comparison Between Ubud, Bali and Bila Tserkva

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $540 in Bila Tserkva.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $829 in Bila Tserkva.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,119 in Bila Tserkva.

Living in Ubud, Bali is roughly 160% more expensive than Bila Tserkva, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Bila Tserkva is 60% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$4.74 ₴213

-24.68%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$29.41 ₴1,321

10.51%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$5.22 ₴235

-6.90%

Cappuccino

$2.75 Rp 49.2K

$0.95 ₴42.73

189.47%

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

$1.32 Rp 23.7K

$0.54 ₴24.16

144.44%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.32 ₴14.59

118.75%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$0.60 ₴27.00

385.00%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$0.85 ₴38.06

345.88%

Milk (1 liter)

$1.71 Rp 30.6K

$0.99 ₴44.53

72.73%

White Bread (500g)

$2.47 Rp 44.3K

$0.60 ₴26.76

311.67%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.19 ₴53.3

0.84%

Eggs

$2.44 Rp 43.8K

$1.20 ₴54.1

103.33%

Local Cheese (1kg)

$14.38 Rp 257.7K

$7.82 ₴351

83.89%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$3.73 ₴168

15.55%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$4.22 ₴190

189.34%

Apples (1kg)

$3.68 Rp 66.0K

$0.76 ₴34.22

384.21%

Banana (1kg)

$1.55 Rp 27.8K

$1.30 ₴58.3

19.23%

Oranges (1kg)

$2.79 Rp 49.9K

$1.22 ₴54.9

128.69%

Tomato (1kg)

$2.33 Rp 41.8K

$1.32 ₴59.3

76.52%

Potato (1kg)

$1.97 Rp 35.3K

$0.39 ₴17.72

405.13%

Onion (1kg)

$2.31 Rp 41.4K

$0.50 ₴22.63

362.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.57 ₴25.63

85.96%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.47 ₴21.15

55.32%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$2.27 ₴102

44.49%

Wine (Bottle)

$22.79 Rp 408.4K

$3.26 ₴147

599.08%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$0.65 ₴29.21

332.31%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$0.88 ₴39.68

215.91%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.23 ₴10.31

26.09%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.79 ₴80.6

-74.86%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.30 ₴13.62

50.00%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$2.83 ₴127

120.49%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.34 ₴60.2

-36.57%

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

$26.0K Rp 465.4M

$31.3K ₴1.4M

-16.89%

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

$31.7K Rp 567.2M

$24.1K ₴1.1M

31.48%

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

$80.8 Rp 1.4M

$56.1 ₴2,519

44.02%

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

$4.06 Rp 72.7K

$5.48 ₴246

-25.91%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$3.72 ₴167

556.45%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$24.87 ₴1,117

292.72%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$9.86 ₴443

-34.58%

Cinema Ticket

$4.04 Rp 72.4K

$3.46 ₴155

16.76%

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

$304 Rp 5.4M

$293 ₴13.2K

3.81%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$3,426 ₴153.9K

93.28%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$42.19 ₴1,895

28.54%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$12.12 ₴544

219.97%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$77.7 ₴3,492

10.83%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$84.5 ₴3,794

-9.22%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$158 ₴7,080

525.38%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$131 ₴5,863

404.18%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$204 ₴9,150

1554.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$158 ₴7,093

1208.41%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,141 ₴51.3K

140.27%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$749 ₴33.7K

197.34%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$444 ₴19.9K

-63.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

66.00%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Bila Tserkva: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $158 in Bila Tserkva. Housing cost is often the main lever when comparing two cities.

Bila Tserkva pays 172% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $29.00 in Bila Tserkva for a mid-range dinner for two. Groceries echo the gap at $297 vs $125 per month, with Bila Tserkva 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 Bila Tserkva: Cost of Living - Frequently Asked Questions

Ubud, Bali and Bila Tserkva differ by about 160% in total monthly costs ($1,404 vs $540 including rent). Bila Tserkva is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Bila Tserkva earns 172% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $986 in Ubud, Bali versus $158 in Bila Tserkva. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 138% 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 $540 in Bila Tserkva – a 160% gap that adds up to real savings over time for anyone picking the cheaper option.

At $540 in Bila Tserkva versus $1,404 in Ubud, Bali, a $2,000 budget is realistic in Bila Tserkva but tight or insufficient in Ubud, Bali. The gap between the two cities makes Bila Tserkva 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 Bila Tserkva 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 Bila Tserkva gentler on the wallet – expenses run 160% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.