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: $1,374 in Ubud, Bali versus $956 in Gyumri.

Estimated couple costs with rent: $2,313 in Ubud, Bali versus $1,439 in Gyumri.

Monthly costs for a family of three with rent: $3,252 in Ubud, Bali versus $1,921 in Gyumri.

Living in Ubud, Bali is roughly 44% more expensive than in Gyumri, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 2% above, Gyumri is 29% below.

Meal at Budget Restaurant

$3.32 Rp 59.5K

$10.51 ֏3,799

-68.41%

Three-Course Dinner for Two, Mid-Range

$35.33 Rp 632.8K

$34.71 ֏12.5K

1.79%

Fast Food Meal (McDonalds, etc)

$5.33 Rp 95.5K

$9.23 ֏3,335

-42.25%

Cappuccino

$2.75 Rp 49.3K

$2.25 ֏812

22.22%

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

$1.73 Rp 31.0K

$0.83 ֏301

108.43%

Water (0.33 liter bottle)

$0.80 Rp 14.3K

$0.40 ֏144

100.00%

Local Beer (0.5 liter draught)

$2.95 Rp 52.8K

$1.38 ֏499

113.77%

Imported Beer (0.33 liter bottle)

$4.44 Rp 79.5K

$2.28 ֏824

94.74%

Milk (1 liter)

$1.50 Rp 26.9K

$1.64 ֏593

-8.54%

White Bread (500g)

$2.30 Rp 41.1K

$0.52 ֏186

342.31%

Rice (white) (1kg)

$1.10 Rp 19.7K

$1.74 ֏628

-36.78%

Eggs

$2.16 Rp 38.7K

$2.02 ֏731

6.93%

Local Cheese (1kg)

$17.09 Rp 306.1K

$7.81 ֏2,821

118.82%

Chicken Fillets (1kg)

$3.88 Rp 69.4K

$7.05 ֏2,545

-44.96%

Beef Round Steak (1kg)

$11.92 Rp 213.4K

$10.24 ֏3,700

16.41%

Apples (1kg)

$3.57 Rp 63.9K

$1.28 ֏464

178.91%

Banana (1kg)

$1.58 Rp 28.4K

$1.55 ֏560

1.94%

Oranges (1kg)

$2.36 Rp 42.3K

$1.14 ֏411

107.02%

Tomato (1kg)

$1.97 Rp 35.2K

$1.45 ֏524

35.86%

Potato (1kg)

$1.81 Rp 32.4K

$0.73 ֏263

147.95%

Onion (1kg)

$2.39 Rp 42.8K

$0.67 ֏241

256.72%

Lettuce (1 head)

$1.02 Rp 18.2K

$0.81 ֏291

25.93%

Water (1.5 liter bottle)

$0.49 Rp 8,802

$0.48 ֏174

2.08%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 40.2K

$2.01 ֏726

11.94%

Wine (Bottle)

$22.30 Rp 399.4K

$8.72 ֏3,152

155.73%

Local Beer (0.5 liter bottle)

$2.37 Rp 42.4K

$1.53 ֏551

54.90%

Imported Beer (0.33 liter bottle)

$2.90 Rp 51.9K

$1.86 ֏673

55.91%

One-way Ticket (Public Transport)

$0.25 Rp 4,462

$0.29 ֏105

-13.79%

Public Transport Monthly Pass (Regular Price)

$8.55 Rp 153.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,915

$0.29 ֏106

51.72%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,564

$0.40 ֏145

5.00%

Taxi 1hour Waiting (Normal Tariff)

$5.66 Rp 101.4K

$9.82 ֏3,546

-42.36%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.45 ֏525

-44.14%

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

$23.7K Rp 425.2M

$35.6K ֏12.9M

-33.31%

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

$31.0K Rp 554.8M

$33.9K ֏12.2M

-8.62%

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

$82.3 Rp 1.5M

$115 ֏41.4K

-28.18%

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

$6.30 Rp 112.8K

$7.06 ֏2,552

-10.76%

Internet (50+ Mbps, Unlimited Data)

$18.63 Rp 333.8K

$14.19 ֏5,126

31.29%

Gym Membership (Monthly)

$54.7 Rp 980.3K

$40.27 ֏14.5K

35.91%

Tennis Court (1 Hour on Weekend)

$18.45 Rp 330.4K

Cinema Ticket

$4.24 Rp 75.9K

$4.09 ֏1,478

3.67%

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

$484 Rp 8.7M

$180 ֏65.0K

168.93%

International Primary School, 1 Child (Yearly)

$5,590 Rp 100.1M

$10.4K ֏3.8M

-46.35%

Jeans (Levis 501 Or Similar)

$45.77 Rp 819.8K

$33.28 ֏12.0K

37.53%

Summer Dress (H&M, Zara, etc)

$35.69 Rp 639.3K

$40.76 ֏14.7K

-12.44%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$139 ֏50.1K

-43.58%

Men's Leather Business Shoes

$80.1 Rp 1.4M

$40.81 ֏14.7K

96.35%

1-bedroom Apartment, City Center (Monthly)

$1,147 Rp 20.5M

$464 ֏167.6K

147.21%

1-bedroom Apartment, Outside City Center (Monthly)

$678 Rp 12.1M

$288 ֏103.9K

135.76%

3-bedroom Apartment, City Center (Monthly)

$3,504 Rp 62.8M

$901 ֏325.7K

288.71%

3-bedroom Apartment, Outside City Center (Monthly)

$1,688 Rp 30.2M

$478 ֏172.9K

252.80%

Buy Apartment in City Center (m2)

$2,788 Rp 49.9M

$736 ֏266.0K

278.76%

Buy Apartment Outside City Center (m2)

$2,257 Rp 40.4M

$512 ֏184.8K

341.17%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$482 ֏174.1K

-65.75%

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: September 28, 2026

Last update for Gyumri: September 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,147 in Ubud, Bali and $464 in Gyumri. Housing cost is often the main lever when comparing two cities.

Gyumri pays 192% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $35.00 in Gyumri. Groceries flip the comparison at $286 vs $195, with Gyumri cheaper for home cooking.

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 44% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 192% 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: $1,147 in Ubud, Bali versus $464 in Gyumri. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $484 in Ubud, Bali versus $180 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 $35.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $956 in Gyumri versus $1,374 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 44% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.