Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Chernihiv

For one person, living is cheaper in Chernihiv: $621 a month against $1,331 in Ubud, Bali, rent and utilities included – about $8,500 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
30

Cost of Living Index in Chernihiv
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Chernihiv Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Chernihiv

🇺🇦 Ukraine

$621

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Chernihiv

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

A single person spends $1,331 per month in Ubud, Bali vs $621 in Chernihiv, rent included.

Ubud, Bali $1,331
Chernihiv $621

A couple spends around $2,255 per month in Ubud, Bali vs $939 in Chernihiv, rent included.

Ubud, Bali $2,255
Chernihiv $939

A family of three spends $3,180 per month in Ubud, Bali vs $1,257 in Chernihiv, rent included.

Ubud, Bali $3,180
Chernihiv $1,257

Ubud, Bali costs about 114% more than Chernihiv, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Chernihiv are more affordable than the global median – Ubud, Bali 2% lower, Chernihiv 54% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$7.60 ₴345

-55.53%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.3K

$20.53 ₴931

68.78%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$4.92 ₴223

13.21%

Cappuccino

$2.62 Rp 47.6K

$1.13 ₴51.4

131.86%

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

$1.54 Rp 28.0K

$0.49 ₴22.03

214.29%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.34 ₴15.21

88.24%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$0.74 ₴33.41

260.81%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$1.29 ₴58.7

230.23%

Milk (1 liter)

$1.46 Rp 26.6K

$1.15 ₴52.3

26.96%

White Bread (500g)

$2.29 Rp 41.6K

$0.70 ₴31.83

227.14%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.44 ₴65.4

-22.92%

Eggs

$2.10 Rp 38.1K

$1.56 ₴70.9

34.62%

Local Cheese (1kg)

$15.94 Rp 289.5K

$4.97 ₴225

220.72%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$4.01 ₴182

-3.24%

Beef Round Steak (1kg)

$11.40 Rp 207.1K

$6.98 ₴316

63.32%

Apples (1kg)

$3.55 Rp 64.5K

$0.88 ₴39.94

303.41%

Banana (1kg)

$1.54 Rp 27.9K

$1.25 ₴56.9

23.20%

Oranges (1kg)

$2.23 Rp 40.5K

$1.30 ₴58.8

71.54%

Tomato (1kg)

$1.97 Rp 35.8K

$1.55 ₴70.4

27.10%

Potato (1kg)

$1.86 Rp 33.7K

$0.85 ₴38.46

118.82%

Onion (1kg)

$2.42 Rp 43.9K

$0.67 ₴30.35

261.19%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.89 ₴40.48

14.61%

Water (1.5 liter bottle)

$0.52 Rp 9,486

$0.53 ₴24.25

-1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.51 ₴114

-12.35%

Wine (Bottle)

$21.79 Rp 395.7K

$3.89 ₴177

460.15%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.89 ₴40.19

161.80%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.23 ₴55.8

141.46%

One-way Ticket (Public Transport)

$0.25 Rp 4,547

$0.36 ₴16.47

-30.56%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.5K

$13.97 ₴634

-41.52%

Taxi Start (Normal Tariff)

$0.44 Rp 7,950

$1.21 ₴55.0

-63.64%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,499

$0.20 ₴9.06

135.00%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$5.34 ₴242

4.87%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.40 ₴63.4

-40.71%

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

$24.4K Rp 444.0M

$24.9K ₴1.1M

-2.01%

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

$31.7K Rp 575.6M

$24.8K ₴1.1M

27.96%

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

$77.5 Rp 1.4M

$60.2 ₴2,730

28.73%

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

$6.14 Rp 111.6K

$5.84 ₴265

5.14%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.5K

$4.42 ₴200

328.05%

Gym Membership (Monthly)

$51.0 Rp 926.1K

$25.88 ₴1,174

97.02%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.4K

$6.60 ₴299

176.52%

Cinema Ticket

$4.38 Rp 79.6K

$4.19 ₴190

4.53%

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

$492 Rp 8.9M

$223 ₴10.1K

121.03%

International Primary School, 1 Child (Yearly)

$12.2K Rp 222.0M

$2,898 ₴131.4K

321.75%

Jeans (Levis 501 Or Similar)

$45.16 Rp 820.2K

$41.59 ₴1,886

8.58%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.6K

$26.87 ₴1,218

29.85%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$69.9 ₴3,169

12.11%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$76.7 ₴3,479

1.53%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$218 ₴9,878

394.74%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$164 ₴7,416

306.64%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$290 ₴13.2K

1108.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$222 ₴10.1K

653.82%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$907 ₴41.1K

158.03%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$655 ₴29.7K

241.26%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$369 ₴16.7K

-54.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

15.25

-9.64%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Chernihiv: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Chernihiv

$164 26.3% 75.4% $501

Groceries & Markets

Ubud, Bali

$279 21%

Chernihiv

$140 22.5% 50% $140

Clothing & Footwear

Ubud, Bali

$106 8%

Chernihiv

$97 15.6% 9% $9.5

Eating Out

Ubud, Bali

$106 8%

Chernihiv

$99 15.9% 6.6% $7

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Chernihiv

$70 11.3% 31.3% $32

Sport & Entertainment

Ubud, Bali

$60 4.5%

Chernihiv

$34 5.5% 42.7% $26

Getting Around

Ubud, Bali

$12 0.9%

Chernihiv

$18 2.8% 47.6% $5.7

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $218 in Chernihiv. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Chernihiv are about 2.2 times higher, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35 in Ubud, Bali versus $21 in Chernihiv. Monthly groceries follow the same trend: $279 vs $140 – making Chernihiv the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇺🇦 Chernihiv

🕒 Local time

19:40 7:40 PM

13:40 1:40 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

293,969

💱 Currency

Indonesian Rupiah IDR Rp

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 UAH = 2.2 USD

100 UAH = 1.97 EUR

Exchange rates and currency converter

UAH, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,333 IDR (100,000 IDR = 4.92 EUR).

Ukrainian Hryvnia exchange rates as of November 3, 2026: 1 USD = 45.35 UAH (100 UAH = 2.2 USD). 1 EUR = 50.78 UAH (100 UAH = 1.97 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Chernihiv 10,330 km ≈ 13 h nonstop flight

From you

Ubud, Bali
Chernihiv

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 Chernihiv: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,331 in Ubud, Bali, $621 in Chernihiv – Chernihiv comes out roughly 53% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $932 in Chernihiv. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Chernihiv, especially for central apartments: a one-bedroom in the center costs $218 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $35 in Ubud, Bali and $21 in Chernihiv. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $621 in Chernihiv. That makes Chernihiv about 53% cheaper.

A $1,200 monthly budget goes further in Chernihiv, where all-in costs run around $621, than in Ubud, Bali at $1,331. In Chernihiv it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Chernihiv – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.