Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Jarvenpaa

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,990 in Jarvenpaa, rent and utilities included – about $7,700 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
96

Cost of Living Index in Jarvenpaa
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Jarvenpaa Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Jarvenpaa

🇫🇮 Finland

$1,990

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $1,990 in Jarvenpaa, rent included.

Ubud, Bali $1,349
Jarvenpaa $1,990

A couple spends around $2,305 per month in Ubud, Bali vs $3,103 in Jarvenpaa, rent included.

Ubud, Bali $2,305
Jarvenpaa $3,103

A family of three spends $3,261 per month in Ubud, Bali vs $4,217 in Jarvenpaa, rent included.

Ubud, Bali $3,261
Jarvenpaa $4,217

Ubud, Bali is about 32% cheaper than Jarvenpaa, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$16.44 €14.73

-79.81%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$79.7 €71.4

-55.27%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$11.67 €10.46

-52.61%

Cappuccino

$2.72 Rp 49.4K

$4.74 €4.25

-42.62%

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

$1.70 Rp 30.9K

$2.88 €2.58

-40.97%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.92 €1.72

-60.42%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$9.18 €8.22

-71.13%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$9.73 €8.72

-54.98%

Milk (1 liter)

$1.49 Rp 27.1K

$1.58 €1.41

-5.70%

White Bread (500g)

$2.28 Rp 41.4K

$2.49 €2.23

-8.43%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.71 €2.43

-56.09%

Eggs

$2.04 Rp 37.0K

$3.71 €3.33

-45.01%

Local Cheese (1kg)

$17.70 Rp 321.9K

$7.95 €7.12

122.64%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$14.84 €13.30

-73.32%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$18.28 €16.38

-33.32%

Apples (1kg)

$3.66 Rp 66.5K

$2.77 €2.48

32.13%

Banana (1kg)

$1.52 Rp 27.6K

$2.24 €2.01

-32.14%

Oranges (1kg)

$2.23 Rp 40.5K

$2.00 €1.79

11.50%

Tomato (1kg)

$1.97 Rp 35.9K

$4.33 €3.88

-54.50%

Potato (1kg)

$1.85 Rp 33.6K

$1.43 €1.28

29.37%

Onion (1kg)

$2.42 Rp 44.1K

$1.56 €1.40

55.13%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.97 €1.76

-49.75%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$1.04 €0.93

-50.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$13.50 €12.10

-83.56%

Wine (Bottle)

$22.24 Rp 404.4K

$11.23 €10.07

98.04%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$3.40 €3.05

-33.53%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$3.63 €3.26

-18.18%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$4.61 €4.13

-94.58%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$111 €99.2

-92.93%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$8.54 €7.66

-94.85%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$1.47 €1.32

-70.75%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$55.6 €49.80

-90.26%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.32 €2.08

-64.66%

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

$23.8K Rp 433.5M

$36.2K €32.5K

-34.23%

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

$31.7K Rp 577.3M

$38.0K €34.1K

-16.54%

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

$79.1 Rp 1.4M

$131 €117

-39.49%

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

$6.45 Rp 117.2K

$28.79 €25.80

-77.60%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$22.23 €19.92

-16.42%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$58.8 €52.7

-15.82%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$22.41 €20.08

-21.24%

Cinema Ticket

$4.27 Rp 77.7K

$16.85 €15.10

-74.66%

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

$491 Rp 8.9M

$315 €282

55.65%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$7,195 €6,447

-21.14%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$95.7 €85.8

-53.37%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$27.56 €24.70

26.81%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$102 €91.7

-21.88%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$111 €99.7

-28.64%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$1,022 €916

10.02%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$761 €682

-11.75%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,704 €1,527

109.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,347 €1,207

27.91%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$4,088 €3,664

-33.18%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$2,121 €1,901

7.69%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,774 €2,485

-94.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.94

249.75%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Jarvenpaa: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Jarvenpaa

$761 38.2% 13.3% $89

Groceries & Markets

Ubud, Bali

$288 21.4%

Jarvenpaa

$351 17.6% 21.6% $62

Eating Out

Ubud, Bali

$108 8%

Jarvenpaa

$308 15.5% 186% $200

Clothing & Footwear

Ubud, Bali

$108 8%

Jarvenpaa

$152 7.6% 41% $44

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Jarvenpaa

$182 9.1% 74.6% $78

Sport & Entertainment

Ubud, Bali

$58 4.3%

Jarvenpaa

$92 4.7% 59.4% $34

Getting Around

Ubud, Bali

$11 0.9%

Jarvenpaa

$145 7.3% 1170% $134

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $1,022 in Jarvenpaa. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Jarvenpaa are about 17 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $80 in Jarvenpaa. Monthly groceries follow the same trend: $288 vs $351 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Jarvenpaa

🕒 Local time

14:29 2:29 PM

08:29 8:29 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

46,475

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 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 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 29, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

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

From you

Ubud, Bali
Jarvenpaa

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 Jarvenpaa: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $1,990 in Jarvenpaa – Ubud, Bali comes out roughly 32% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $2,986 in Jarvenpaa. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,125 in Ubud, Bali and $1,022 in Jarvenpaa. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Public transport costs about 93% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $491 per month in Ubud, Bali and $315 in Jarvenpaa. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,990 in Jarvenpaa. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,990 in Jarvenpaa. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Jarvenpaa makes more sense. Both are solid long-term options with distinct trade-offs.