Cost of Living Comparison Between Ubud, Bali and Armenia Cost of Living Comparison Between Ubud, Bali and Armenia

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $1,190 in Armenia, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $1,837 in Armenia, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $2,483 in Armenia, rent included.

Ubud, Bali costs about 17% more than Armenia, driven mainly by Clothing & Footwear.

Ubud, Bali sits 2% above the global median, while Armenia is 13% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.8K

$6.58 COP 20.5K

-49.39%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 631.6K

$31.65 COP 98.8K

13.18%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.3K

$9.61 COP 30.0K

-41.42%

Cappuccino

$2.82 Rp 49.7K

$2.28 COP 7,121

23.68%

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

$1.75 Rp 30.8K

$1.13 COP 3,541

54.87%

Water (0.33 liter bottle)

$0.80 Rp 14.1K

$0.93 COP 2,903

-13.98%

Local Beer (0.5 liter draught)

$3.04 Rp 53.7K

$2.49 COP 7,765

22.09%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.8K

$1.94 COP 6,050

121.65%

Milk (1 liter)

$1.61 Rp 28.4K

$1.37 COP 4,272

17.52%

White Bread (500g)

$2.27 Rp 40.0K

$2.49 COP 7,782

-8.84%

Rice (white) (1kg)

$1.17 Rp 20.6K

$1.75 COP 5,470

-33.14%

Eggs

$2.17 Rp 38.2K

$2.95 COP 9,206

-26.44%

Local Cheese (1kg)

$17.63 Rp 310.9K

$10.29 COP 32.1K

71.33%

Chicken Fillets (1kg)

$4.05 Rp 71.5K

$10.05 COP 31.4K

-59.70%

Beef Round Steak (1kg)

$12.18 Rp 214.8K

$14.12 COP 44.1K

-13.74%

Apples (1kg)

$3.62 Rp 63.8K

$4.08 COP 12.7K

-11.27%

Banana (1kg)

$1.64 Rp 28.8K

$1.58 COP 4,937

3.80%

Oranges (1kg)

$2.31 Rp 40.6K

$0.81 COP 2,539

185.19%

Tomato (1kg)

$1.96 Rp 34.5K

$2.30 COP 7,189

-14.78%

Potato (1kg)

$1.84 Rp 32.5K

$1.94 COP 6,068

-5.15%

Onion (1kg)

$2.37 Rp 41.8K

$1.53 COP 4,789

54.90%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.14 COP 3,551

-7.89%

Water (1.5 liter bottle)

$0.54 Rp 9,573

$1.29 COP 4,042

-58.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$3.86 COP 12.1K

-40.41%

Wine (Bottle)

$23.08 Rp 406.9K

$13.61 COP 42.5K

69.58%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.69 COP 5,289

38.46%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.1K

$2.83 COP 8,842

8.48%

One-way Ticket (Public Transport)

$0.25 Rp 4,371

$1.08 COP 3,364

-76.85%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 166.1K

Taxi Start (Normal Tariff)

$0.49 Rp 8,643

$1.34 COP 4,170

-63.43%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,361

$2.13 COP 6,652

-77.93%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.8K

$8.33 COP 26.0K

-32.77%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.30 COP 4,067

-37.69%

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

$25.0K Rp 441.0M

$28.5K COP 88.9M

-12.17%

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

$31.1K Rp 547.7M

$35.5K COP 110.7M

-12.40%

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

$82.7 Rp 1.5M

$108 COP 336.4K

-23.24%

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

$6.49 Rp 114.4K

$13.47 COP 42.0K

-51.82%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 331.3K

$28.06 COP 87.6K

-33.04%

Gym Membership (Monthly)

$55.2 Rp 974.0K

$19.30 COP 60.2K

186.22%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 321.1K

Cinema Ticket

$4.30 Rp 75.8K

$6.43 COP 20.1K

-33.13%

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

$494 Rp 8.7M

$808 COP 2.5M

-38.85%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.3M

$9,014 COP 28.1M

-34.36%

Jeans (Levis 501 Or Similar)

$46.28 Rp 816.0K

$85.5 COP 267.0K

-45.90%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 642.5K

$58.6 COP 183.0K

-37.85%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$137 COP 427.1K

-41.02%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$101 COP 314.9K

-21.90%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$578 COP 1.8M

92.59%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$382 COP 1.2M

81.66%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.2M

$946 COP 3.0M

284.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.2M

$793 COP 2.5M

115.80%

Buy Apartment in City Center (m2)

$2,761 Rp 48.7M

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$530 COP 1.7M

-68.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

10.94

25.96%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Armenia: September 7, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $578 in Armenia. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 212% higher in Armenia, 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 $39.00 in Ubud, Bali versus $32.00 in Armenia. Groceries tell a different story – $293 in Ubud, Bali vs $296 in Armenia – so Ubud, Bali wins on supermarket bills even if dining out costs more.

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 Armenia: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 17% more than Armenia, with the gap driven mainly by Clothing & Footwear. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $1,786 in Armenia. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Armenia, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,396 in Ubud, Bali and $1,190 in Armenia. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $487 per month in Ubud, Bali and $808 in Armenia. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Armenia, where all-in costs run around $1,190, than in Ubud, Bali at $1,396. In Armenia it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Armenia costs $1,190 versus $1,396 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Armenia. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.