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: $1,438 in Ubud, Bali versus $798 in Kaluga.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,227 in Kaluga.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,656 in Kaluga.

Living in Ubud, Bali is roughly 80% more expensive than Kaluga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Kaluga is 40% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$5.73 ₽430

-37.70%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$22.48 ₽1,688

44.93%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$5.06 ₽380

0.20%

Cappuccino

$2.83 Rp 49.0K

$2.01 ₽151

40.80%

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

$1.34 Rp 23.2K

$1.29 ₽97.2

3.88%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.53 ₽39.72

30.19%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.41 ₽106

112.06%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$3.07 ₽230

25.41%

Milk (1 liter)

$1.74 Rp 30.2K

$1.10 ₽82.4

58.18%

White Bread (500g)

$2.54 Rp 44.0K

$0.69 ₽51.6

268.12%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.48 ₽111

-19.59%

Eggs

$2.43 Rp 42.0K

$1.72 ₽129

41.28%

Local Cheese (1kg)

$14.66 Rp 254.1K

$8.07 ₽606

81.66%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$3.79 ₽285

10.29%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$7.71 ₽579

54.86%

Apples (1kg)

$3.69 Rp 63.9K

$1.85 ₽139

99.46%

Banana (1kg)

$1.61 Rp 27.8K

$1.69 ₽127

-4.73%

Oranges (1kg)

$2.69 Rp 46.5K

$1.91 ₽144

40.84%

Tomato (1kg)

$2.33 Rp 40.4K

$3.16 ₽237

-26.27%

Potato (1kg)

$1.91 Rp 33.0K

$0.78 ₽58.9

144.87%

Onion (1kg)

$2.19 Rp 37.9K

$0.67 ₽50.6

226.87%

Lettuce (1 head)

$1.06 Rp 18.3K

$3.23 ₽242

-67.18%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.65 ₽49.18

10.77%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.01 ₽226

3.99%

Wine (Bottle)

$23.49 Rp 407.1K

$7.92 ₽595

196.59%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$0.78 ₽58.4

251.28%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.94 ₽146

48.45%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.45 ₽34.07

-35.56%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$19.37 ₽1,455

-57.82%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$3.77 ₽283

-88.06%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.11 ₽7.96

281.82%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$6.30 ₽473

-2.22%

Gasoline (1 liter)

$0.84 Rp 14.6K

$0.77 ₽57.9

9.09%

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

$26.2K Rp 454.9M

$34.7K ₽2.6M

-24.46%

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

$32.5K Rp 562.9M

$35.7K ₽2.7M

-8.91%

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

$78.4 Rp 1.4M

$77.5 ₽5,824

1.13%

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

$3.95 Rp 68.5K

$5.59 ₽420

-29.34%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$5.13 ₽385

375.63%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$36.07 ₽2,709

167.65%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

Cinema Ticket

$4.04 Rp 70.0K

$7.82 ₽587

-48.34%

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

$303 Rp 5.2M

$361 ₽27.1K

-16.28%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$7,015 ₽526.9K

-7.02%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$71.9 ₽5,402

-25.14%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$38.58 ₽2,898

-1.56%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$114 ₽8,535

-23.65%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$77.1 ₽5,793

2.26%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$249 ₽18.7K

305.85%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$198 ₽14.9K

240.98%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$445 ₽33.4K

661.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$343 ₽25.7K

512.02%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$1,645 ₽123.5K

81.46%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,403 ₽105.3K

66.77%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,015 ₽76.3K

-82.95%

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: April 28, 2026

Last update for Kaluga: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $249 in Kaluga. Housing cost is often the main lever when comparing two cities.

Kaluga pays 486% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 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 80% in total monthly costs ($1,438 vs $798 including rent). Kaluga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Kaluga earns 486% 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 $249 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 137% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $303 in Ubud, Bali versus $361 in Kaluga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $798 in Kaluga versus $1,438 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 80% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.