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

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $2,234 in Helsinki.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $3,663 in Helsinki.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $5,091 in Helsinki.

Living in Ubud, Bali costs roughly 38% less than in Helsinki, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Helsinki 63% above.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$18.23 €15.60

-81.84%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$114 €97.6

-65.74%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$14.04 €12.01

-59.97%

Cappuccino

$2.64 Rp 46.9K

$5.31 €4.54

-50.28%

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

$1.58 Rp 28.2K

$3.50 €3.00

-54.86%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$2.68 €2.29

-73.51%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$9.43 €8.07

-71.05%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$9.24 €7.91

-53.25%

Milk (1 liter)

$1.54 Rp 27.4K

$1.47 €1.25

4.76%

White Bread (500g)

$2.30 Rp 40.8K

$2.70 €2.31

-14.81%

Rice (white) (1kg)

$1.03 Rp 18.3K

$2.75 €2.35

-62.55%

Eggs

$2.12 Rp 37.7K

$4.14 €3.54

-48.79%

Local Cheese (1kg)

$17.30 Rp 307.5K

$10.40 €8.90

66.35%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$13.95 €11.93

-71.11%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$25.68 €21.96

-51.64%

Apples (1kg)

$3.70 Rp 65.7K

$2.85 €2.44

29.82%

Banana (1kg)

$1.62 Rp 28.7K

$2.30 €1.97

-29.57%

Oranges (1kg)

$2.27 Rp 40.3K

$2.55 €2.18

-10.98%

Tomato (1kg)

$1.99 Rp 35.4K

$3.91 €3.35

-49.10%

Potato (1kg)

$1.83 Rp 32.5K

$1.26 €1.08

45.24%

Onion (1kg)

$2.25 Rp 40.1K

$1.69 €1.44

33.14%

Lettuce (1 head)

$1.04 Rp 18.6K

$2.32 €1.98

-55.17%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$1.65 €1.41

-66.06%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$14.07 €12.03

-84.22%

Wine (Bottle)

$23.22 Rp 412.7K

$15.94 €13.64

45.67%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$3.78 €3.23

-36.77%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$4.01 €3.43

-28.43%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$3.92 €3.35

-93.62%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$85.0 €72.7

-91.57%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$16.92 €14.47

-97.28%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.34 €1.15

-65.67%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$79.7 €68.2

-92.85%

Gasoline (1 liter)

$0.76 Rp 13.6K

$2.40 €2.05

-68.33%

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

$24.6K Rp 436.7M

$38.2K €32.7K

-35.74%

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

$31.0K Rp 551.5M

$38.4K €32.9K

-19.24%

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

$82.2 Rp 1.5M

$129 €110

-36.10%

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

$6.33 Rp 112.5K

$26.86 €22.98

-76.43%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$25.14 €21.51

-26.25%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$48.11 €41.15

16.50%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$37.91 €32.43

-51.44%

Cinema Ticket

$4.26 Rp 75.8K

$19.74 €16.88

-78.42%

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

$489 Rp 8.7M

$496 €424

-1.29%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$12.9K €11.0K

-54.99%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$94.3 €80.6

-51.21%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$44.39 €37.97

-19.22%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$114 €97.9

-30.51%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$150 €128

-46.12%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$1,273 €1,089

-10.12%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$909 €778

-23.88%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$2,513 €2,150

40.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$1,761 €1,507

-2.97%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$9,849 €8,425

-71.73%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$4,538 €3,882

-50.17%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$3,241 €2,772

-94.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.59

283.84%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Helsinki: August 16, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $1,273 in Helsinki. Housing cost is often the main lever when comparing two cities.

Helsinki pays 1814% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $39.00 in Ubud, Bali vs $114 in Helsinki for a mid-range dinner for two. Groceries echo the gap at $293 vs $400 per month, with Ubud, Bali 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 Helsinki: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Monthly Utilities & Internet. The 62% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1814% lower in Helsinki. 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 $1,273 in Helsinki. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $39.00 versus $114 in Helsinki. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,379 per month in Ubud, Bali versus $2,234 in Helsinki – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,379 in Ubud, Bali versus $2,234 in Helsinki, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Helsinki. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Helsinki 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 Ubud, Bali gentler on the wallet – expenses run 62% less than in Helsinki. Beyond cost, consider language, visa policies, and how big the international community is in each city.