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: $1,394 in Ubud, Bali versus $891 in Gyumri.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,391 in Gyumri.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $1,890 in Gyumri.

Living in Ubud, Bali is roughly 56% more expensive than in Gyumri, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Gyumri is 33% below.

Meal at Budget Restaurant

$3.40 Rp 60.6K

$9.74 ֏3,581

-65.09%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 577.1K

$41.10 ֏15.1K

-21.22%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 89.1K

$7.74 ֏2,845

-35.40%

Cappuccino

$2.82 Rp 50.3K

$1.95 ֏717

44.62%

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

$1.38 Rp 24.5K

$0.72 ֏263

91.67%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.40 ֏148

82.50%

Local Beer (0.5 liter draught)

$2.98 Rp 53.2K

$1.28 ֏470

132.81%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.8K

$1.82 ֏667

118.13%

Milk (1 liter)

$1.79 Rp 32.0K

$1.62 ֏596

10.49%

White Bread (500g)

$2.46 Rp 43.9K

$0.49 ֏179

402.04%

Rice (white) (1kg)

$1.20 Rp 21.4K

$1.72 ֏631

-30.23%

Eggs

$2.39 Rp 42.6K

$1.86 ֏683

28.49%

Local Cheese (1kg)

$14.40 Rp 256.6K

$7.63 ֏2,806

88.73%

Chicken Fillets (1kg)

$4.28 Rp 76.4K

$6.67 ֏2,454

-35.83%

Beef Round Steak (1kg)

$11.82 Rp 210.6K

$10.02 ֏3,686

17.96%

Apples (1kg)

$3.78 Rp 67.4K

$1.16 ֏428

225.86%

Banana (1kg)

$1.63 Rp 29.1K

$1.45 ֏534

12.41%

Oranges (1kg)

$2.80 Rp 49.9K

$1.06 ֏391

164.15%

Tomato (1kg)

$2.26 Rp 40.3K

$1.41 ֏519

60.28%

Potato (1kg)

$2.00 Rp 35.6K

$0.77 ֏284

159.74%

Onion (1kg)

$2.21 Rp 39.4K

$0.68 ֏248

225.00%

Lettuce (1 head)

$1.07 Rp 19.1K

$0.71 ֏261

50.70%

Water (1.5 liter bottle)

$0.76 Rp 13.6K

$0.39 ֏145

94.87%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.7K

$1.99 ֏731

57.29%

Wine (Bottle)

$23.81 Rp 424.4K

$9.00 ֏3,308

164.56%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.6K

$1.27 ֏468

123.62%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.5K

$1.81 ֏665

53.59%

One-way Ticket (Public Transport)

$0.27 Rp 4,755

$0.27 ֏99.4

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 149.1K

Taxi Start (Normal Tariff)

$0.45 Rp 8,082

$0.82 ֏301

-45.12%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,624

$0.29 ֏105

48.28%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 106.5K

$4.63 ֏1,701

29.16%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.13 ֏415

-29.20%

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

$25.8K Rp 459.9M

$31.9K ֏11.7M

-19.08%

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

$31.8K Rp 566.8M

$37.5K ֏13.8M

-15.20%

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

$80.7 Rp 1.4M

$112 ֏41.1K

-27.79%

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

$4.14 Rp 73.7K

$7.90 ֏2,905

-47.59%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 429.8K

$14.68 ֏5,396

64.31%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$37.26 ֏13.7K

162.35%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 118.4K

Cinema Ticket

$4.04 Rp 71.9K

$4.00 ֏1,472

1.00%

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

$297 Rp 5.3M

$172 ֏63.3K

72.50%

International Primary School, 1 Child (Yearly)

$6,590 Rp 117.4M

$7,620 ֏2.8M

-13.51%

Jeans (Levis 501 Or Similar)

$55.1 Rp 982.6K

$31.51 ֏11.6K

74.99%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 686.2K

$39.15 ֏14.4K

-1.63%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$142 ֏52.3K

-39.43%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$31.60 ֏11.6K

146.68%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.6M

$440 ֏161.9K

123.71%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$279 ֏102.7K

137.92%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.4M

$844 ֏310.2K

308.45%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.4M

$448 ֏164.8K

355.64%

Buy Apartment in City Center (m2)

$2,829 Rp 50.4M

$715 ֏262.8K

295.83%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.7M

$500 ֏183.7K

356.69%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$482 ֏177.1K

-64.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

2.15%

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

Last update for Ubud, Bali: June 14, 2026

Last update for Gyumri: June 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $440 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: $32.00 in Ubud, Bali vs $41.00 in Gyumri. Groceries flip the comparison at $299 vs $187, 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, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 56% 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: $985 in Ubud, Bali versus $440 in Gyumri. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $172 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 $41.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $891 in Gyumri versus $1,394 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 56% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.