Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Hyvinkaa

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,712 in Hyvinkaa, rent and utilities included – about $4,400 less a year. The total is higher in Hyvinkaa despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
82

Cost of Living Index in Hyvinkaa
Learn more

Hyvinkaa Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Hyvinkaa

🇫🇮 Finland

$1,712

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,712 in Hyvinkaa.

Ubud, Bali $1,349
Hyvinkaa $1,712

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,743 in Hyvinkaa.

Ubud, Bali $2,305
Hyvinkaa $2,743

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,774 in Hyvinkaa.

Ubud, Bali $3,261
Hyvinkaa $3,774

Living in Ubud, Bali costs roughly 21% less than in Hyvinkaa, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$15.78 €14.08

-78.96%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$88.3 €78.8

-59.66%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$12.84 €11.45

-56.93%

Cappuccino

$2.72 Rp 49.3K

$4.06 €3.63

-33.00%

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

$1.70 Rp 30.9K

$2.42 €2.15

-29.75%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.68 €2.39

-71.64%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$8.76 €7.82

-69.75%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$7.72 €6.89

-43.26%

Milk (1 liter)

$1.49 Rp 27.1K

$1.46 €1.30

2.05%

White Bread (500g)

$2.28 Rp 41.3K

$2.58 €2.30

-11.63%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.01 €2.69

-60.47%

Eggs

$2.04 Rp 36.9K

$2.77 €2.47

-26.35%

Local Cheese (1kg)

$17.70 Rp 321.2K

$6.22 €5.55

184.57%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$13.19 €11.77

-69.98%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$23.62 €21.07

-48.39%

Apples (1kg)

$3.66 Rp 66.3K

$2.46 €2.19

48.78%

Banana (1kg)

$1.52 Rp 27.5K

$2.18 €1.94

-30.28%

Oranges (1kg)

$2.23 Rp 40.4K

$2.18 €1.95

2.29%

Tomato (1kg)

$1.97 Rp 35.8K

$3.40 €3.03

-42.06%

Potato (1kg)

$1.85 Rp 33.5K

$1.46 €1.31

26.71%

Onion (1kg)

$2.42 Rp 44.0K

$2.16 €1.92

12.04%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.53 €1.37

-35.29%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.83 €1.63

-72.13%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$11.29 €10.07

-80.34%

Wine (Bottle)

$22.24 Rp 403.6K

$13.65 €12.18

62.93%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.21 €2.86

-29.60%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.99 €2.67

-0.67%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$3.31 €2.95

-92.45%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$43.77 €39.05

-82.13%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$8.22 €7.34

-94.65%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$1.44 €1.28

-70.14%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$64.1 €57.2

-91.56%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.33 €2.08

-64.81%

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

$23.8K Rp 432.6M

$22.8K €20.3K

4.61%

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

$31.7K Rp 576.1M

$37.0K €33.0K

-14.21%

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

$79.1 Rp 1.4M

$140 €125

-43.40%

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

$6.45 Rp 117.0K

$31.77 €28.34

-79.70%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$21.69 €19.35

-14.34%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$30.37 €27.09

62.92%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$15.84 €14.14

11.43%

Cinema Ticket

$4.27 Rp 77.6K

$16.78 €14.97

-74.55%

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

$491 Rp 8.9M

$113 €101

332.92%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$85.3 €76.1

-47.69%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$55.4 €49.43

-36.91%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$99.9 €89.1

-19.98%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$114 €102

-30.31%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$736 €657

52.81%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$573 €512

17.13%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,212 €1,082

194.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,064 €950

61.92%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,420 €2,159

12.87%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,534 €1,369

48.86%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,533 €2,260

-93.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.33

218.24%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Hyvinkaa: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Hyvinkaa

$573 33.5% 14.6% $98

Groceries & Markets

Ubud, Bali

$288 21.4%

Hyvinkaa

$356 20.8% 23.5% $68

Eating Out

Ubud, Bali

$108 8%

Hyvinkaa

$293 17.1% 172% $186

Clothing & Footwear

Ubud, Bali

$108 8%

Hyvinkaa

$160 9.3% 48.4% $52

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Hyvinkaa

$193 11.3% 85.6% $89

Sport & Entertainment

Ubud, Bali

$58 4.3%

Hyvinkaa

$64 3.7% 10.2% $5.9

Getting Around

Ubud, Bali

$11 0.9%

Hyvinkaa

$72 4.2% 534% $61

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $736 in Hyvinkaa. Housing cost is often the main lever when comparing two cities.

Hyvinkaa pays about 15 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $88 in Hyvinkaa for a mid-range dinner for two. Groceries echo the gap at $288 vs $356 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Hyvinkaa

🕒 Local time

04:36 4:36 AM

22:36 10:36 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

46,903

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 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 November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Hyvinkaa 10,850 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Hyvinkaa

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 Hyvinkaa: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,712 in Hyvinkaa, so Ubud, Bali is about 21% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 94% 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 $736 in Hyvinkaa. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 82% less than in Hyvinkaa. The price difference matters if you commute daily and watch your budget.

Childcare runs $491 in Ubud, Bali versus $113 in Hyvinkaa. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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 Hyvinkaa are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Hyvinkaa on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.