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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $1,543 in Heraklion.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,476 in Heraklion.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $3,409 in Heraklion.

Living in Ubud, Bali costs roughly 7% less than in Heraklion, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 7% above, Heraklion 15% above.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$13.64 €11.67

-73.83%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$57.5 €49.24

-43.37%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$11.68 €10.00

-56.59%

Cappuccino

$2.83 Rp 49.0K

$3.92 €3.36

-27.81%

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

$1.34 Rp 23.2K

$2.26 €1.94

-40.71%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.56 €0.48

23.21%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$5.69 €4.87

-47.45%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$5.66 €4.85

-31.98%

Milk (1 liter)

$1.74 Rp 30.2K

$1.91 €1.64

-8.90%

White Bread (500g)

$2.54 Rp 44.0K

$1.51 €1.29

68.21%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.65 €2.27

-55.09%

Eggs

$2.43 Rp 42.0K

$5.79 €4.95

-58.03%

Local Cheese (1kg)

$14.66 Rp 254.1K

$16.90 €14.47

-13.25%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$11.73 €10.04

-64.36%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$14.64 €12.53

-18.44%

Apples (1kg)

$3.69 Rp 63.9K

$2.23 €1.91

65.47%

Banana (1kg)

$1.61 Rp 27.8K

$2.11 €1.80

-23.70%

Oranges (1kg)

$2.69 Rp 46.5K

$1.49 €1.28

80.54%

Tomato (1kg)

$2.33 Rp 40.4K

$1.85 €1.58

25.95%

Potato (1kg)

$1.91 Rp 33.0K

$1.29 €1.11

48.06%

Onion (1kg)

$2.19 Rp 37.9K

$1.53 €1.31

43.14%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.95 €0.81

11.58%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.67 €0.57

7.46%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$5.39 €4.61

-41.93%

Wine (Bottle)

$23.49 Rp 407.1K

$8.17 €7.00

187.52%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.07 €1.78

32.37%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$3.31 €2.83

-12.99%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$1.59 €1.36

-81.76%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$46.07 €39.43

-82.27%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$4.69 €4.02

-90.41%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$11.61 €9.94

-46.94%

Gasoline (1 liter)

$0.84 Rp 14.6K

$2.11 €1.80

-60.19%

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

$26.2K Rp 454.9M

$35.1K €30.1K

-25.29%

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

$32.5K Rp 562.9M

$25.7K €22.0K

26.40%

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

$78.4 Rp 1.4M

$219 €188

-64.24%

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

$3.95 Rp 68.5K

$23.45 €20.07

-83.16%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$37.26 €31.89

-34.51%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$51.5 €44.11

87.35%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$41.21 €35.28

-84.59%

Cinema Ticket

$4.04 Rp 70.0K

$9.11 €7.80

-55.65%

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

$303 Rp 5.2M

$423 €362

-28.45%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$4,237 €3,627

53.93%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$99.5 €85.1

-45.86%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$46.92 €40.17

-19.05%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$89.6 €76.7

-3.20%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$136 €117

-42.18%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$545 €466

85.90%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$415 €355

62.58%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$1,039 €890

226.10%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$889 €761

136.11%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$4,071 €3,485

-26.69%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$2,861 €2,449

-18.23%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,147 €982

-84.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.44

199.10%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Heraklion: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $545 in Heraklion. Housing cost is often the main lever when comparing two cities.

Heraklion pays 562% 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: $33.00 in Ubud, Bali vs $58.0 in Heraklion for a mid-range dinner for two. Groceries echo the gap at $298 vs $312 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 Heraklion: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 7% gap adds up to real monthly savings that compound significantly over time.

On paper, Heraklion earns 562% less. 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: $1,012 in Ubud, Bali versus $545 in Heraklion. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $423 in Heraklion. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 5% higher in Heraklion. For households that cook at home regularly, that difference adds up over a month.

At $1,438 in Ubud, Bali versus $1,543 in Heraklion, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Heraklion. 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 Heraklion, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Heraklion 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 7% less than in Heraklion. Beyond cost, consider language, visa policies, and how big the international community is in each city.