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

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $790 in Kaluga.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,228 in Kaluga.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,665 in Kaluga.

Living in Ubud, Bali is roughly 76% more expensive than in Kaluga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Kaluga is 41% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$5.56 ₽442

-35.79%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$22.22 ₽1,769

45.45%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$5.00 ₽398

0.20%

Cappuccino

$2.82 Rp 51.0K

$2.08 ₽165

35.58%

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

$1.35 Rp 24.4K

$1.31 ₽105

3.05%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.52 ₽41.18

40.38%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.43 ₽114

104.90%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$3.07 ₽245

28.34%

Milk (1 liter)

$1.78 Rp 32.1K

$1.05 ₽83.6

69.52%

White Bread (500g)

$2.45 Rp 44.2K

$0.67 ₽53.5

265.67%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.48 ₽117

-22.30%

Eggs

$2.41 Rp 43.6K

$1.71 ₽136

40.94%

Local Cheese (1kg)

$14.33 Rp 258.7K

$8.12 ₽646

76.48%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$3.84 ₽305

9.11%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$7.52 ₽598

60.37%

Apples (1kg)

$3.64 Rp 65.7K

$1.85 ₽147

96.76%

Banana (1kg)

$1.57 Rp 28.3K

$1.68 ₽133

-6.55%

Oranges (1kg)

$2.79 Rp 50.3K

$1.91 ₽152

46.07%

Tomato (1kg)

$2.24 Rp 40.5K

$3.14 ₽250

-28.66%

Potato (1kg)

$1.98 Rp 35.7K

$0.77 ₽61.6

157.14%

Onion (1kg)

$2.28 Rp 41.1K

$0.66 ₽52.9

245.45%

Lettuce (1 head)

$1.05 Rp 19.0K

$3.16 ₽251

-66.77%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.64 ₽51.3

23.44%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$2.86 ₽228

11.54%

Wine (Bottle)

$23.49 Rp 424.1K

$8.93 ₽710

163.05%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$0.73 ₽57.8

297.26%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.95 ₽155

41.54%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.45 ₽36.16

-40.00%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$18.75 ₽1,492

-55.36%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$3.76 ₽299

-88.03%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.11 ₽8.53

318.18%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$6.25 ₽498

-2.88%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.73 ₽58.3

17.81%

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

$26.6K Rp 480.0M

$34.7K ₽2.8M

-23.29%

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

$32.5K Rp 587.6M

$35.8K ₽2.9M

-9.11%

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

$79.0 Rp 1.4M

$76.3 ₽6,071

3.59%

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

$4.09 Rp 73.9K

$5.72 ₽456

-28.50%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$4.97 ₽396

379.88%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$35.23 ₽2,804

180.39%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$4.01 Rp 72.3K

$7.71 ₽614

-47.99%

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

$297 Rp 5.4M

$354 ₽28.2K

-16.08%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$6,934 ₽551.9K

-4.79%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$72.8 ₽5,794

-26.61%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$38.27 ₽3,046

-0.42%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$114 ₽9,076

-22.26%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$75.8 ₽6,030

1.12%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$254 ₽20.2K

301.90%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$198 ₽15.8K

243.32%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$445 ₽35.4K

680.24%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$338 ₽26.9K

519.18%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,587 ₽126.3K

71.94%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,364 ₽108.6K

68.27%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$799 ₽63.6K

-79.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

14.5

-8.41%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Kaluga: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $254 in Kaluga. Housing cost is often the main lever when comparing two cities.

Kaluga pays 388% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $22.00 in Kaluga for a mid-range dinner for two. Groceries echo the gap at $298 vs $188 per month, with Kaluga 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 Kaluga: Cost of Living - Frequently Asked Questions

Ubud, Bali and Kaluga differ by about 76% in total monthly costs ($1,392 vs $790 including rent). Kaluga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 388% lower in Kaluga. 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: $1,020 in Ubud, Bali versus $254 in Kaluga. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Kaluga runs roughly 124% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $297 in Ubud, Bali versus $354 in Kaluga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $790 in Kaluga versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in Kaluga but tight or insufficient in Ubud, Bali. The gap between the two cities makes Kaluga the clear choice for anyone on this budget.

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 Kaluga 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 Kaluga gentler on the wallet – expenses run 76% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.