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

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $937 in Gyumri.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $1,422 in Gyumri.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $1,907 in Gyumri.

Living in Ubud, Bali is roughly 47% more expensive than in Gyumri, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 1% above, Gyumri is 32% below.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$10.42 ֏3,802

-68.23%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$33.80 ֏12.3K

15.62%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$9.16 ֏3,340

-38.65%

Cappuccino

$2.64 Rp 46.9K

$2.32 ֏847

13.79%

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

$1.58 Rp 28.2K

$0.88 ֏321

79.55%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.43 ֏156

65.12%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$1.36 ֏496

100.74%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$2.26 ֏823

91.15%

Milk (1 liter)

$1.54 Rp 27.4K

$1.63 ֏595

-5.52%

White Bread (500g)

$2.30 Rp 40.8K

$0.50 ֏184

360.00%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.73 ֏632

-40.46%

Eggs

$2.12 Rp 37.7K

$2.00 ֏728

6.00%

Local Cheese (1kg)

$17.30 Rp 307.5K

$8.11 ֏2,958

113.32%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$7.10 ֏2,589

-43.24%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$10.44 ֏3,810

18.97%

Apples (1kg)

$3.70 Rp 65.7K

$1.22 ֏443

203.28%

Banana (1kg)

$1.62 Rp 28.7K

$1.47 ֏537

10.20%

Oranges (1kg)

$2.27 Rp 40.3K

$1.11 ֏404

104.50%

Tomato (1kg)

$1.99 Rp 35.4K

$1.44 ֏526

38.19%

Potato (1kg)

$1.83 Rp 32.5K

$0.69 ֏252

165.22%

Onion (1kg)

$2.25 Rp 40.1K

$0.66 ֏240

240.91%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.75 ֏274

38.67%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.52 ֏188

7.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$1.99 ֏728

11.56%

Wine (Bottle)

$23.22 Rp 412.7K

$8.92 ֏3,255

160.31%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$1.45 ֏529

64.83%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$1.91 ֏697

50.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$0.26 ֏94.7

-3.85%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$0.26 ֏94.4

76.92%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$0.38 ֏137

21.05%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$9.81 ֏3,578

-41.90%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.51 ֏551

-49.67%

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

$24.6K Rp 436.7M

$35.2K ֏12.8M

-30.11%

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

$31.0K Rp 551.5M

$33.8K ֏12.3M

-8.18%

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

$82.2 Rp 1.5M

$113 ֏41.4K

-27.54%

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

$6.33 Rp 112.5K

$7.10 ֏2,588

-10.85%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$14.39 ֏5,249

28.84%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$39.35 ֏14.4K

42.44%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$3.99 ֏1,455

6.77%

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

$489 Rp 8.7M

$178 ֏65.0K

174.40%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$10.6K ֏3.9M

-45.29%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$32.47 ֏11.8K

41.61%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$40.99 ֏15.0K

-12.52%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$134 ֏49.0K

-40.80%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$40.77 ֏14.9K

98.50%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$471 ֏171.7K

143.04%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$282 ֏102.8K

145.45%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$890 ֏324.5K

297.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$469 ֏171.2K

264.26%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$727 ֏265.2K

283.04%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$508 ֏185.1K

345.53%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$482 ֏175.8K

-64.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.00%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Gyumri: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $471 in Gyumri. Housing cost is often the main lever when comparing two cities.

Gyumri pays 185% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $39.00 in Ubud, Bali vs $34.00 in Gyumri for a mid-range dinner for two. Groceries echo the gap at $293 vs $195 per month, with Gyumri 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 Gyumri: Cost of Living - Frequently Asked Questions

Gyumri is cheaper overall, especially in Groceries & Markets, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 47% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 185% lower in Gyumri. 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: $1,144 in Ubud, Bali versus $471 in Gyumri. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $489 in Ubud, Bali versus $178 in Gyumri. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Gyumri – a meal for two runs $34.00 versus $39.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $937 in Gyumri versus $1,379 in Ubud, Bali, a $1,500 budget is realistic in Gyumri but tight or insufficient in Ubud, Bali. The gap between the two cities makes Gyumri the clear choice for anyone on this budget.

For families, Gyumri is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Gyumri 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 Gyumri gentler on the wallet – expenses run 47% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.