Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Erbil

For one person, living is cheaper in Erbil: $960 a month against $1,331 in Ubud, Bali, rent and utilities included – about $4,500 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
46

Cost of Living Index in Erbil
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Erbil Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Erbil

🇮🇶 Iraq

$960

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $960 in Erbil, rent included.

Ubud, Bali $1,331
Erbil $960

A couple spends around $2,255 per month in Ubud, Bali vs $1,439 in Erbil, rent included.

Ubud, Bali $2,255
Erbil $1,439

A family of three spends $3,180 per month in Ubud, Bali vs $1,918 in Erbil, rent included.

Ubud, Bali $3,180
Erbil $1,918

Ubud, Bali costs about 39% more than Erbil, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Erbil are more affordable than the global median – Ubud, Bali 2% lower, Erbil 29% lower.

Meal at Budget Restaurant

$3.38 Rp 60.9K

$6.65 IQD 10.1K

-49.17%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 625.4K

$37.28 IQD 56.3K

-7.05%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.6K

$7.27 IQD 11.0K

-23.38%

Cappuccino

$2.62 Rp 47.3K

$3.25 IQD 4,914

-19.38%

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

$1.54 Rp 27.8K

$0.89 IQD 1,350

73.03%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.36 IQD 545

77.78%

Local Beer (0.5 liter draught)

$2.67 Rp 48.1K

$5.76 IQD 8,706

-53.65%

Imported Beer (0.33 liter bottle)

$4.26 Rp 76.9K

$4.52 IQD 6,834

-5.75%

Milk (1 liter)

$1.46 Rp 26.4K

$1.05 IQD 1,587

39.05%

White Bread (500g)

$2.29 Rp 41.4K

$0.64 IQD 970

257.81%

Rice (white) (1kg)

$1.11 Rp 20.0K

$1.44 IQD 2,180

-22.92%

Eggs

$2.10 Rp 37.9K

$1.52 IQD 2,298

38.16%

Local Cheese (1kg)

$15.94 Rp 287.7K

$7.04 IQD 10.6K

126.42%

Chicken Fillets (1kg)

$3.88 Rp 70.1K

$4.41 IQD 6,661

-12.02%

Beef Round Steak (1kg)

$11.40 Rp 205.8K

$12.64 IQD 19.1K

-9.81%

Apples (1kg)

$3.55 Rp 64.1K

$0.99 IQD 1,501

258.59%

Banana (1kg)

$1.54 Rp 27.7K

$0.99 IQD 1,493

55.56%

Oranges (1kg)

$2.23 Rp 40.2K

$1.07 IQD 1,612

108.41%

Tomato (1kg)

$1.97 Rp 35.6K

$0.69 IQD 1,050

185.51%

Potato (1kg)

$1.86 Rp 33.5K

$0.64 IQD 972

190.63%

Onion (1kg)

$2.42 Rp 43.6K

$0.57 IQD 865

324.56%

Lettuce (1 head)

$1.02 Rp 18.5K

$0.66 IQD 998

54.55%

Water (1.5 liter bottle)

$0.52 Rp 9,427

$0.51 IQD 770

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

$2.12 IQD 3,209

3.77%

Wine (Bottle)

$21.79 Rp 393.2K

$10.56 IQD 16.0K

106.34%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

$1.46 IQD 2,209

59.59%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.6K

$1.82 IQD 2,750

63.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,519

$0.50 IQD 759

-50.00%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.5K

$39.67 IQD 59.9K

-79.41%

Taxi Start (Normal Tariff)

$0.44 Rp 7,901

$1.67 IQD 2,520

-73.65%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,446

$1.54 IQD 2,325

-69.48%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.1K

$5.48 IQD 8,286

2.19%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.58 IQD 884

43.10%

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

$24.4K Rp 441.3M

$16.7K IQD 25.3M

46.08%

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

$31.7K Rp 572.1M

$17.0K IQD 25.7M

86.15%

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

$77.5 Rp 1.4M

$116 IQD 174.8K

-33.01%

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

$6.14 Rp 110.9K

$11.96 IQD 18.1K

-48.66%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.4K

$24.50 IQD 37.0K

-22.78%

Gym Membership (Monthly)

$51.0 Rp 920.4K

$57.0 IQD 86.1K

-10.50%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.4K

$13.43 IQD 20.3K

35.89%

Cinema Ticket

$4.38 Rp 79.1K

$9.99 IQD 15.1K

-56.16%

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

$492 Rp 8.9M

$297 IQD 448.2K

65.99%

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.6M

$4,080 IQD 6.2M

199.53%

Jeans (Levis 501 Or Similar)

$45.16 Rp 815.1K

$26.29 IQD 39.7K

71.78%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 629.7K

$38.72 IQD 58.5K

-9.89%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$60.8 IQD 91.8K

28.88%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$58.8 IQD 88.9K

32.39%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.4M

$441 IQD 666.1K

144.45%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$268 IQD 404.7K

148.23%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.4M

$696 IQD 1.1M

404.26%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$414 IQD 626.0K

303.29%

Buy Apartment in City Center (m2)

$2,340 Rp 42.2M

$1,047 IQD 1.6M

123.58%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.4M

$600 IQD 906.7K

272.64%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$514 IQD 776.4K

-67.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.53

444.66%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Erbil: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Erbil

$268 27.9% 59.7% $397

Groceries & Markets

Ubud, Bali

$279 21%

Erbil

$172 18% 38.3% $107

Clothing & Footwear

Ubud, Bali

$106 8%

Erbil

$83 8.7% 21.9% $23

Eating Out

Ubud, Bali

$106 8%

Erbil

$157 16.3% 48.4% $51

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Erbil

$152 15.8% 48.4% $50

Sport & Entertainment

Ubud, Bali

$60 4.5%

Erbil

$77 8% 28.8% $17

Getting Around

Ubud, Bali

$12 0.9%

Erbil

$51 5.3% 327% $39

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $441 in Erbil. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Erbil are about 3.1 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 $37 in Erbil. Groceries tell a different story – $279 in Ubud, Bali vs $172 in Erbil – so Erbil wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Erbil

🕒 Local time

11:18 11:18 AM

06:18 6:18 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,713,461

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.54 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.9 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 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,262 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of November 6, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,696 IQD (10,000 IQD = 5.9 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Erbil 8,920 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Erbil

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 Erbil: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 39%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $1,441 in Erbil. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Erbil, especially for central apartments: a one-bedroom in the center costs $441 there versus $1,078 in Ubud, Bali.

Groceries cost about 62% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $35 in Ubud, Bali and $37 in Erbil. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Families tend to lean toward Erbil – 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.