Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Joensuu

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,892 in Joensuu, rent and utilities included – about $6,500 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
91

Cost of Living Index in Joensuu
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Joensuu Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Joensuu

🇫🇮 Finland

$1,892

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,892 in Joensuu.

Ubud, Bali $1,349
Joensuu $1,892

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,820 in Joensuu.

Ubud, Bali $2,305
Joensuu $2,820

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,749 in Joensuu.

Ubud, Bali $3,261
Joensuu $3,749

Living in Ubud, Bali costs roughly 29% less than in Joensuu, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$15.59 €13.97

-78.70%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$67.7 €60.7

-47.35%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$11.80 €10.58

-53.14%

Cappuccino

$2.72 Rp 49.4K

$3.64 €3.26

-25.27%

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

$1.70 Rp 30.9K

$1.32 €1.18

28.79%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.81 €1.62

-58.01%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$8.14 €7.29

-67.44%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$8.15 €7.30

-46.26%

Milk (1 liter)

$1.49 Rp 27.1K

$1.43 €1.28

4.20%

White Bread (500g)

$2.28 Rp 41.4K

$2.59 €2.32

-11.97%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.85 €2.56

-58.25%

Eggs

$2.04 Rp 37.0K

$2.81 €2.52

-27.40%

Local Cheese (1kg)

$17.70 Rp 321.9K

$8.43 €7.55

109.96%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$12.77 €11.44

-68.99%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$23.28 €20.86

-47.64%

Apples (1kg)

$3.66 Rp 66.5K

$2.54 €2.28

44.09%

Banana (1kg)

$1.52 Rp 27.6K

$1.98 €1.77

-23.23%

Oranges (1kg)

$2.23 Rp 40.5K

$2.21 €1.98

0.90%

Tomato (1kg)

$1.97 Rp 35.9K

$3.90 €3.50

-49.49%

Potato (1kg)

$1.85 Rp 33.6K

$1.48 €1.33

25.00%

Onion (1kg)

$2.42 Rp 44.1K

$2.19 €1.97

10.50%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.51 €1.35

-34.44%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$1.44 €1.29

-64.58%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$11.75 €10.53

-81.11%

Wine (Bottle)

$22.24 Rp 404.4K

$13.61 €12.20

63.41%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$2.25 €2.02

0.44%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$3.29 €2.95

-9.73%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$3.00 €2.69

-91.67%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$72.9 €65.3

-89.27%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$6.75 €6.05

-93.48%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$1.36 €1.22

-68.38%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$66.0 €59.1

-91.80%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.18 €1.95

-62.39%

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

$23.8K Rp 433.5M

$35.8K €32.1K

-33.36%

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

$31.7K Rp 577.3M

$37.1K €33.3K

-14.46%

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

$79.1 Rp 1.4M

$196 €176

-59.74%

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

$6.45 Rp 117.2K

$24.30 €21.78

-73.46%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$33.17 €29.73

-43.99%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$52.3 €46.87

-5.39%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$24.76 €22.19

-28.72%

Cinema Ticket

$4.27 Rp 77.7K

$16.37 €14.67

-73.92%

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

$491 Rp 8.9M

$276 €248

77.53%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$133 €119

-66.31%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$39.58 €35.46

-11.70%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$88.6 €79.4

-9.86%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$148 €133

-46.38%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$729 €653

54.29%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$645 €578

4.06%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,244 €1,115

186.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$968 €867

78.07%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$2,070 €1,855

31.94%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,763 €1,580

29.56%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,023 €3,605

-95.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.19

331.97%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Joensuu: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Joensuu

$645 34.1% 3.9% $26

Groceries & Markets

Ubud, Bali

$288 21.4%

Joensuu

$352 18.6% 22% $64

Eating Out

Ubud, Bali

$108 8%

Joensuu

$273 14.5% 154% $166

Clothing & Footwear

Ubud, Bali

$108 8%

Joensuu

$184 9.7% 71.1% $76

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Joensuu

$254 13.4% 144% $150

Sport & Entertainment

Ubud, Bali

$58 4.3%

Joensuu

$85 4.5% 46.6% $27

Getting Around

Ubud, Bali

$11 0.9%

Joensuu

$98 5.2% 762% $87

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $729 in Joensuu. Housing cost is often the main lever when comparing two cities.

Joensuu pays about 25 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $68 in Joensuu for a mid-range dinner for two. Groceries echo the gap at $288 vs $352 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Joensuu

🕒 Local time

09:23 9:23 AM

03:23 3:23 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

78,060

💱 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

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Highest

Between locations

Ubud, Bali Joensuu 10,620 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Joensuu

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 Joensuu: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,892 in Joensuu, so Ubud, Bali is about 29% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 96% 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 $729 in Joensuu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Joensuu. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $68 in Joensuu. If you eat out regularly, this makes a real dent in your monthly spending.

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 Joensuu 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, Joensuu on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.