Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Helsinki

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,174 in Helsinki, rent and utilities included – about $9,900 less a year. Other living expenses account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
107

Cost of Living Index in Helsinki
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Helsinki Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Helsinki

🇫🇮 Finland

$2,174

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $2,174 in Helsinki.

Ubud, Bali $1,348
Helsinki $2,174

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $3,524 in Helsinki.

Ubud, Bali $2,312
Helsinki $3,524

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $4,874 in Helsinki.

Ubud, Bali $3,276
Helsinki $4,874

Living in Ubud, Bali costs roughly 38% less than in Helsinki, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Helsinki 62% above.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$17.63 €15.74

-81.11%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$114 €102

-68.99%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$13.57 €12.11

-57.55%

Cappuccino

$2.63 Rp 47.0K

$5.32 €4.75

-50.56%

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

$1.74 Rp 31.0K

$3.45 €3.08

-49.57%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$2.79 €2.49

-72.40%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$9.93 €8.86

-72.71%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$9.02 €8.05

-49.89%

Milk (1 liter)

$1.53 Rp 27.4K

$1.31 €1.17

16.79%

White Bread (500g)

$2.20 Rp 39.2K

$2.73 €2.44

-19.41%

Rice (white) (1kg)

$1.22 Rp 21.8K

$2.58 €2.30

-52.71%

Eggs

$2.14 Rp 38.2K

$3.92 €3.50

-45.41%

Local Cheese (1kg)

$17.73 Rp 316.9K

$9.96 €8.89

78.01%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$13.45 €12.01

-71.30%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$26.05 €23.24

-53.82%

Apples (1kg)

$3.61 Rp 64.5K

$2.70 €2.41

33.70%

Banana (1kg)

$1.51 Rp 27.1K

$2.16 €1.93

-30.09%

Oranges (1kg)

$2.32 Rp 41.4K

$2.44 €2.18

-4.92%

Tomato (1kg)

$2.00 Rp 35.8K

$4.00 €3.57

-50.00%

Potato (1kg)

$1.81 Rp 32.4K

$1.19 €1.07

52.10%

Onion (1kg)

$2.39 Rp 42.7K

$1.67 €1.49

43.11%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.23 €1.99

-55.61%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$1.66 €1.48

-68.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$13.90 €12.40

-84.32%

Wine (Bottle)

$22.98 Rp 410.7K

$15.50 €13.83

48.26%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$3.94 €3.51

-39.09%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$4.05 €3.61

-25.93%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$3.73 €3.33

-93.57%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$82.9 €74.0

-91.56%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$16.11 €14.38

-97.27%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.30 €1.16

-67.69%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$77.1 €68.8

-92.93%

Gasoline (1 liter)

$0.84 Rp 15.1K

$2.33 €2.08

-63.95%

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

$24.3K Rp 434.8M

$37.4K €33.3K

-34.89%

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

$31.9K Rp 570.0M

$37.4K €33.4K

-14.78%

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

$80.8 Rp 1.4M

$135 €121

-40.25%

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

$6.58 Rp 117.6K

$26.63 €23.76

-75.29%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$24.92 €22.24

-26.81%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$46.45 €41.45

18.69%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$38.09 €33.99

-51.40%

Cinema Ticket

$4.24 Rp 75.9K

$18.23 €16.27

-76.74%

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

$486 Rp 8.7M

$473 €422

2.72%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$12.9K €11.5K

-55.96%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$92.2 €82.3

-50.99%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$43.32 €38.66

-20.20%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$107 €95.6

-26.12%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$152 €136

-49.08%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$1,229 €1,097

-8.31%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$913 €815

-26.14%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$2,292 €2,046

57.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,744 €1,556

-0.53%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$9,746 €8,697

-70.97%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$4,336 €3,870

-46.80%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,188 €2,845

-94.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.61

281.72%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Helsinki: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Helsinki

$913 41.3% 35.4% $239

Groceries & Markets

Ubud, Bali

$290 21.4%

Helsinki

$393 17.8% 35.3% $102

Eating Out

Ubud, Bali

$108 8%

Helsinki

$338 15.3% 213% $230

Clothing & Footwear

Ubud, Bali

$106 7.8%

Helsinki

$178 8% 67% $71

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Helsinki

$187 8.5% 76.8% $81

Sport & Entertainment

Ubud, Bali

$64 4.7%

Helsinki

$83 3.8% 30.3% $19

Getting Around

Ubud, Bali

$11 0.8%

Helsinki

$120 5.4% 1047% $110

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $1,229 in Helsinki. Housing cost is often the main lever when comparing two cities.

Helsinki pays 1824% 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: $35.00 in Ubud, Bali vs $114 in Helsinki for a mid-range dinner for two. Groceries echo the gap at $290 vs $393 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Helsinki

🕒 Local time

18:29 6:29 PM

13:29 1:29 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

674,963 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Helsinki 10,840 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Helsinki

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 Helsinki: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 61% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1824% 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: $1,127 in Ubud, Bali versus $1,229 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 $35.00 versus $114 in Helsinki. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,348 per month in Ubud, Bali versus $2,174 in Helsinki – a 61% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,348 in Ubud, Bali versus $2,174 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 61% less than in Helsinki. Beyond cost, consider language, visa policies, and how big the international community is in each city.