Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Harstad

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,611 in Harstad, rent and utilities included – about $15,100 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
127

Cost of Living Index in Harstad
Learn more

Harstad Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Harstad

🇳🇴 Norway

$2,611

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,611 in Harstad.

Ubud, Bali $1,349
Harstad $2,611

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,888 in Harstad.

Ubud, Bali $2,305
Harstad $3,888

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $5,164 in Harstad.

Ubud, Bali $3,261
Harstad $5,164

Living in Ubud, Bali costs roughly 48% less than in Harstad, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$14.27 NOK 131

-76.73%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$106 NOK 971

-66.29%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$15.97 NOK 147

-65.37%

Cappuccino

$2.72 Rp 49.3K

$6.27 NOK 57.6

-56.62%

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

$1.70 Rp 30.8K

$3.70 NOK 34.03

-54.05%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$3.18 NOK 29.18

-76.10%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$12.77 NOK 117

-79.25%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$14.04 NOK 129

-68.80%

Milk (1 liter)

$1.49 Rp 27.0K

$2.54 NOK 23.33

-41.34%

White Bread (500g)

$2.28 Rp 41.2K

$3.39 NOK 31.10

-32.74%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.14 NOK 28.83

-62.10%

Eggs

$2.04 Rp 36.9K

$4.42 NOK 40.61

-53.85%

Local Cheese (1kg)

$17.70 Rp 320.8K

$11.37 NOK 104

55.67%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$15.31 NOK 141

-74.13%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$41.97 NOK 386

-70.96%

Apples (1kg)

$3.66 Rp 66.2K

$4.28 NOK 39.30

-14.49%

Banana (1kg)

$1.52 Rp 27.5K

$2.87 NOK 26.38

-47.04%

Oranges (1kg)

$2.23 Rp 40.4K

$3.87 NOK 35.55

-42.38%

Tomato (1kg)

$1.97 Rp 35.7K

$4.79 NOK 43.97

-58.87%

Potato (1kg)

$1.85 Rp 33.5K

$2.21 NOK 20.33

-16.29%

Onion (1kg)

$2.42 Rp 43.9K

$2.18 NOK 20.03

11.01%

Lettuce (1 head)

$0.99 Rp 17.9K

$3.00 NOK 27.55

-67.00%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$2.34 NOK 21.49

-78.21%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$16.41 NOK 151

-86.47%

Wine (Bottle)

$22.24 Rp 403.0K

$15.93 NOK 146

39.61%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.90 NOK 35.82

-42.05%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$4.89 NOK 44.90

-39.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$6.17 NOK 56.7

-95.95%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$84.1 NOK 772

-90.70%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$15.98 NOK 147

-97.25%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.91 NOK 17.52

-77.49%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$58.0 NOK 533

-90.68%

Gasoline (1 liter)

$0.82 Rp 14.9K

$2.34 NOK 21.48

-64.96%

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

$23.8K Rp 432.0M

$36.9K NOK 339.4K

-35.47%

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

$31.7K Rp 575.3M

$31.6K NOK 290.4K

0.44%

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

$79.1 Rp 1.4M

$173 NOK 1,587

-54.23%

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

$6.45 Rp 116.8K

$35.51 NOK 326

-81.84%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$79.5 NOK 731

-76.63%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$49.72 NOK 457

-0.48%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$36.95 NOK 339

-52.23%

Cinema Ticket

$4.27 Rp 77.4K

$17.75 NOK 163

-75.94%

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

$491 Rp 8.9M

$325 NOK 2,985

51.00%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$5,295 NOK 48.6K

7.15%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$68.8 NOK 632

-35.07%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$35.70 NOK 328

-2.10%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$121 NOK 1,115

-34.20%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$170 NOK 1,563

-53.32%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,411 NOK 13.0K

-20.25%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,053 NOK 9,673

-36.22%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$2,352 NOK 21.6K

51.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$1,537 NOK 14.1K

12.09%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$6,396 NOK 58.8K

-57.29%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$4,354 NOK 40.0K

-47.54%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,511 NOK 32.3K

-95.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

175.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Harstad: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Harstad

$1.1K 40.3% 56.8% $381

Groceries & Markets

Ubud, Bali

$288 21.4%

Harstad

$516 19.8% 79% $228

Eating Out

Ubud, Bali

$108 8%

Harstad

$357 13.7% 231% $249

Clothing & Footwear

Ubud, Bali

$108 8%

Harstad

$178 6.8% 65.7% $71

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Harstad

$288 11% 177% $184

Sport & Entertainment

Ubud, Bali

$58 4.3%

Harstad

$85 3.3% 46.9% $27

Getting Around

Ubud, Bali

$11 0.9%

Harstad

$134 5.1% 1076% $123

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,411 in Harstad. Housing cost is often the main lever when comparing two cities.

Harstad pays about 21 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $106 in Harstad for a mid-range dinner for two. Groceries echo the gap at $288 vs $516 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇴 Harstad

🕒 Local time

02:22 2:22 AM

19:22 7:22 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

25,119

💱 Currency

Indonesian Rupiah IDR Rp

Norwegian Krone NOK kr

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

100 NOK = 10.88 USD

100 NOK = 9.75 EUR

Exchange rates and currency converter

NOK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Norwegian Krone exchange rates as of November 1, 2026: 1 USD = 9.19 NOK (1 NOK = 0.109 USD). 1 EUR = 10.26 NOK (100 NOK = 9.75 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Harstad 11,240 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Harstad

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 Harstad: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 48% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 95% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,411 in Harstad. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 79% higher in Harstad. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $106 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Harstad are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 48% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.