Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Hafnarfjordur

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,853 in Hafnarfjordur, rent and utilities included – about $30,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
184

Cost of Living Index in Hafnarfjordur
Learn more

Hafnarfjordur Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Hafnarfjordur

🇮🇸 Iceland

$3,853

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $3,853 in Hafnarfjordur, rent included.

Ubud, Bali $1,349
Hafnarfjordur $3,853

A couple spends around $2,305 per month in Ubud, Bali vs $5,410 in Hafnarfjordur, rent included.

Ubud, Bali $2,305
Hafnarfjordur $5,410

A family of three spends $3,261 per month in Ubud, Bali vs $6,967 in Hafnarfjordur, rent included.

Ubud, Bali $3,261
Hafnarfjordur $6,967

Ubud, Bali is about 65% cheaper than Hafnarfjordur, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$31.04 ISK 3,768

-89.30%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$125 ISK 15.1K

-71.44%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$16.40 ISK 1,991

-66.28%

Cappuccino

$2.72 Rp 49.3K

$6.71 ISK 814

-59.46%

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

$1.70 Rp 30.9K

$3.33 ISK 405

-48.95%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$3.14 ISK 382

-75.80%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$14.02 ISK 1,703

-81.10%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$12.11 ISK 1,470

-63.83%

Milk (1 liter)

$1.49 Rp 27.0K

$1.67 ISK 203

-10.78%

White Bread (500g)

$2.28 Rp 41.3K

$4.21 ISK 511

-45.84%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.71 ISK 450

-67.92%

Eggs

$2.04 Rp 36.9K

$7.26 ISK 881

-71.90%

Local Cheese (1kg)

$17.70 Rp 321.1K

$21.51 ISK 2,611

-17.71%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$24.40 ISK 2,962

-83.77%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$41.76 ISK 5,070

-70.81%

Apples (1kg)

$3.66 Rp 66.3K

$3.24 ISK 394

12.96%

Banana (1kg)

$1.52 Rp 27.5K

$2.48 ISK 301

-38.71%

Oranges (1kg)

$2.23 Rp 40.4K

$3.19 ISK 388

-30.09%

Tomato (1kg)

$1.97 Rp 35.8K

$6.41 ISK 779

-69.27%

Potato (1kg)

$1.85 Rp 33.5K

$3.93 ISK 477

-52.93%

Onion (1kg)

$2.42 Rp 44.0K

$1.64 ISK 200

47.56%

Lettuce (1 head)

$0.99 Rp 18.0K

$3.69 ISK 448

-73.17%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.82 ISK 221

-71.98%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$14.04 ISK 1,705

-84.19%

Wine (Bottle)

$22.24 Rp 403.4K

$24.05 ISK 2,920

-7.53%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.53 ISK 428

-35.98%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.38 ISK 411

-12.13%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$5.10 ISK 620

-95.10%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$85.0 ISK 10.3K

-90.80%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$6.92 ISK 840

-93.64%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$2.84 ISK 345

-84.86%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$80.8 ISK 9,811

-93.31%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.00 ISK 243

-59.00%

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

$23.8K Rp 432.4M

$68.7K ISK 8.3M

-65.31%

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

$31.7K Rp 575.9M

$55.8K ISK 6.8M

-43.06%

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

$79.1 Rp 1.4M

$69.4 ISK 8,419

14.00%

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

$6.45 Rp 116.9K

$32.65 ISK 3,964

-80.25%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$85.0 ISK 10.3K

-78.14%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$65.1 ISK 7,900

-23.96%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$17.08 ISK 2,073

-75.00%

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

$491 Rp 8.9M

$1,172 ISK 142.3K

-58.15%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$25.9K ISK 3.1M

-78.06%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$125 ISK 15.1K

-64.21%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$67.1 ISK 8,150

-47.94%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$124 ISK 15.1K

-35.80%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$246 ISK 29.9K

-67.77%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$2,496 ISK 303.1K

-54.94%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$2,075 ISK 251.8K

-67.63%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$3,232 ISK 392.3K

10.30%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$2,670 ISK 324.2K

-35.46%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$7,011 ISK 851.1K

-61.04%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$7,014 ISK 851.6K

-67.44%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,674 ISK 567.4K

-96.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.81

56.41%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Hafnarfjordur: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Hafnarfjordur

$2.1K 53.8% 209% $1.4K

Groceries & Markets

Ubud, Bali

$288 21.4%

Hafnarfjordur

$615 16% 113% $326

Eating Out

Ubud, Bali

$108 8%

Hafnarfjordur

$498 12.9% 363% $391

Clothing & Footwear

Ubud, Bali

$108 8%

Hafnarfjordur

$253 6.6% 136% $146

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Hafnarfjordur

$187 4.9% 79.7% $83

Sport & Entertainment

Ubud, Bali

$58 4.3%

Hafnarfjordur

$99 2.6% 71% $41

Getting Around

Ubud, Bali

$11 0.9%

Hafnarfjordur

$127 3.3% 1008% $115

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $2,496 in Hafnarfjordur. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Hafnarfjordur are about 29 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $125 in Hafnarfjordur. Monthly groceries follow the same trend: $288 vs $615 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇸 Hafnarfjordur

🕒 Local time

14:34 2:34 PM

06:34 6:34 AM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

31,525

💱 Currency

Indonesian Rupiah IDR Rp

Icelandic Króna ISK kr

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1,000 ISK = 8.24 USD

1,000 ISK = 7.38 EUR

Exchange rates and currency converter

ISK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Icelandic Króna exchange rates as of November 2, 2026: 1 USD = 121 ISK (1,000 ISK = 8.24 USD). 1 EUR = 136 ISK (1,000 ISK = 7.38 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Hafnarfjordur 12,980 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Hafnarfjordur

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 Hafnarfjordur: Cost of Living - Frequently Asked Questions

Hafnarfjordur costs about 186% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $5,780 in Hafnarfjordur. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,125 there versus $2,496 in Hafnarfjordur.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $3,853 in Hafnarfjordur. That makes Ubud, Bali about 65% cheaper.

Public transport costs about 91% 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 $3,853 in Hafnarfjordur. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Ubud, Bali – 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.

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