Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Espoo

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,227 in Espoo, rent and utilities included – about $10,500 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
107

Cost of Living Index in Espoo
Learn more

Espoo Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Espoo

🇫🇮 Finland

$2,227

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $2,227 in Espoo, rent included.

Ubud, Bali $1,349
Espoo $2,227

A couple spends around $2,305 per month in Ubud, Bali vs $3,547 in Espoo, rent included.

Ubud, Bali $2,305
Espoo $3,547

A family of three spends $3,261 per month in Ubud, Bali vs $4,866 in Espoo, rent included.

Ubud, Bali $3,261
Espoo $4,866

Ubud, Bali is about 39% cheaper than Espoo, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$15.68 €14.05

-78.83%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$100 €89.6

-64.37%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$12.52 €11.22

-55.83%

Cappuccino

$2.72 Rp 49.4K

$5.51 €4.94

-50.64%

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

$1.70 Rp 30.9K

$3.55 €3.18

-52.11%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.73 €2.45

-72.16%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$9.16 €8.21

-71.07%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$8.42 €7.54

-47.98%

Milk (1 liter)

$1.49 Rp 27.1K

$1.40 €1.25

6.43%

White Bread (500g)

$2.28 Rp 41.4K

$2.93 €2.62

-22.18%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.64 €3.26

-67.31%

Eggs

$2.04 Rp 37.0K

$4.18 €3.74

-51.20%

Local Cheese (1kg)

$17.70 Rp 321.9K

$10.51 €9.42

68.41%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$16.61 €14.88

-76.16%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$20.82 €18.65

-41.45%

Apples (1kg)

$3.66 Rp 66.5K

$2.60 €2.33

40.77%

Banana (1kg)

$1.52 Rp 27.6K

$2.08 €1.86

-26.92%

Oranges (1kg)

$2.23 Rp 40.5K

$3.44 €3.08

-35.17%

Tomato (1kg)

$1.97 Rp 35.9K

$4.95 €4.44

-60.20%

Potato (1kg)

$1.85 Rp 33.6K

$1.20 €1.08

54.17%

Onion (1kg)

$2.42 Rp 44.1K

$1.82 €1.63

32.97%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.38 €2.13

-58.40%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$1.88 €1.68

-72.87%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$12.41 €11.12

-82.11%

Wine (Bottle)

$22.24 Rp 404.4K

$13.34 €11.95

66.72%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$3.79 €3.39

-40.37%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$4.90 €4.39

-39.39%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$3.56 €3.19

-92.98%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$80.0 €71.7

-90.23%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$9.59 €8.59

-95.41%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$1.75 €1.57

-75.43%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$51.5 €46.17

-89.50%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.33 €2.09

-64.81%

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

$23.8K Rp 433.5M

$36.1K €32.4K

-33.98%

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

$31.7K Rp 577.3M

$37.3K €33.4K

-14.83%

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

$79.1 Rp 1.4M

$107 €95.9

-26.09%

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

$6.45 Rp 117.2K

$26.05 €23.35

-75.24%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$29.80 €26.70

-37.65%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$54.1 €48.47

-8.52%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$42.92 €38.46

-58.88%

Cinema Ticket

$4.27 Rp 77.7K

$17.65 €15.82

-75.81%

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

$491 Rp 8.9M

$730 €654

-32.81%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$19.2K €17.2K

-70.38%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$123 €110

-63.77%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$56.7 €50.8

-38.38%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$89.5 €80.2

-10.68%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$176 €158

-54.97%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$1,111 €996

1.22%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$935 €838

-28.17%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$2,168 €1,943

64.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,719 €1,540

0.26%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$6,070 €5,439

-54.99%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$4,158 €3,726

-45.07%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,301 €2,958

-95.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.59

283.84%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Espoo: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Espoo

$935 42% 39.2% $263

Groceries & Markets

Ubud, Bali

$288 21.4%

Espoo

$410 18.4% 42.2% $122

Eating Out

Ubud, Bali

$108 8%

Espoo

$317 14.2% 194% $209

Clothing & Footwear

Ubud, Bali

$108 8%

Espoo

$201 9% 86.6% $93

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Espoo

$163 7.3% 56.4% $59

Sport & Entertainment

Ubud, Bali

$58 4.3%

Espoo

$89 4% 54.1% $31

Getting Around

Ubud, Bali

$11 0.9%

Espoo

$113 5.1% 886% $101

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $1,111 in Espoo. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Espoo are about 20 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $100 in Espoo. Monthly groceries follow the same trend: $288 vs $410 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Espoo

🕒 Local time

13:05 1:05 PM

07:05 7:05 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

314,152

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 29, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Espoo 10,860 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Espoo

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 Espoo: Cost of Living - Frequently Asked Questions

Yes – Espoo is pricier by about 65%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $3,341 in Espoo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,125 in Ubud, Bali and $1,111 in Espoo. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $2,227 in Espoo. That makes Ubud, Bali about 39% cheaper.

Public transport costs about 90% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $2,227 in Espoo. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $2,227 in Espoo. Climate, culture, job market, and personal taste all factor in.

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

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