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: $1,394 in Ubud, Bali versus $805 in Kaluga.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,231 in Kaluga.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $1,656 in Kaluga.

Living in Ubud, Bali is roughly 73% more expensive than Kaluga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Kaluga is 40% below.

Meal at Budget Restaurant

$3.40 Rp 60.2K

$5.58 ₽404

-39.07%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 573.6K

$21.88 ₽1,586

47.99%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 88.6K

$5.00 ₽363

Cappuccino

$2.82 Rp 50.0K

$2.04 ₽148

38.24%

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

$1.38 Rp 24.4K

$1.35 ₽97.6

2.22%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.56 ₽40.85

30.36%

Local Beer (0.5 liter draught)

$2.98 Rp 52.8K

$1.42 ₽103

109.86%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.3K

$3.05 ₽221

30.16%

Milk (1 liter)

$1.79 Rp 31.8K

$1.09 ₽79.1

64.22%

White Bread (500g)

$2.46 Rp 43.7K

$0.71 ₽51.6

246.48%

Rice (white) (1kg)

$1.20 Rp 21.2K

$1.51 ₽109

-20.53%

Eggs

$2.39 Rp 42.3K

$1.72 ₽125

38.95%

Local Cheese (1kg)

$14.40 Rp 255.1K

$8.26 ₽599

74.33%

Chicken Fillets (1kg)

$4.28 Rp 75.9K

$3.86 ₽279

10.88%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

$7.58 ₽549

55.94%

Apples (1kg)

$3.78 Rp 67.0K

$1.94 ₽141

94.85%

Banana (1kg)

$1.63 Rp 28.9K

$1.68 ₽122

-2.98%

Oranges (1kg)

$2.80 Rp 49.6K

$1.93 ₽140

45.08%

Tomato (1kg)

$2.26 Rp 40.0K

$3.10 ₽225

-27.10%

Potato (1kg)

$2.00 Rp 35.3K

$0.74 ₽53.3

170.27%

Onion (1kg)

$2.21 Rp 39.2K

$0.70 ₽50.7

215.71%

Lettuce (1 head)

$1.07 Rp 18.9K

$3.16 ₽229

-66.14%

Water (1.5 liter bottle)

$0.76 Rp 13.5K

$0.66 ₽47.89

15.15%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.4K

$2.95 ₽214

6.10%

Wine (Bottle)

$23.81 Rp 421.9K

$9.53 ₽691

149.84%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.3K

$0.74 ₽53.4

283.78%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.2K

$1.95 ₽141

42.56%

One-way Ticket (Public Transport)

$0.27 Rp 4,726

$0.42 ₽30.34

-35.71%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 148.2K

$18.91 ₽1,371

-55.74%

Taxi Start (Normal Tariff)

$0.45 Rp 8,034

$3.89 ₽282

-88.43%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,578

$0.11 ₽7.89

290.91%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 105.9K

$6.42 ₽465

-6.85%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.78 ₽56.8

2.56%

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

$25.8K Rp 457.2M

$33.7K ₽2.4M

-23.40%

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

$31.8K Rp 563.4M

$35.5K ₽2.6M

-10.42%

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

$80.7 Rp 1.4M

$77.3 ₽5,598

4.50%

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

$4.14 Rp 73.3K

$5.62 ₽408

-26.33%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 427.2K

$5.21 ₽378

362.96%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$36.02 ₽2,610

171.38%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 117.7K

Cinema Ticket

$4.04 Rp 71.5K

$7.65 ₽554

-47.19%

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

$297 Rp 5.3M

$349 ₽25.3K

-14.90%

International Primary School, 1 Child (Yearly)

$6,590 Rp 116.7M

$6,973 ₽505.3K

-5.49%

Jeans (Levis 501 Or Similar)

$55.1 Rp 976.8K

$71.7 ₽5,195

-23.09%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 682.1K

$37.84 ₽2,742

1.77%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$117 ₽8,442

-26.07%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$77.4 ₽5,608

0.72%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.5M

$253 ₽18.3K

289.08%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$197 ₽14.3K

237.35%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.0M

$442 ₽32.0K

679.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.2M

$332 ₽24.1K

514.49%

Buy Apartment in City Center (m2)

$2,829 Rp 50.1M

$1,684 ₽122.0K

68.03%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.4M

$1,458 ₽105.7K

56.52%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$873 ₽63.3K

-80.61%

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: June 14, 2026

Last update for Kaluga: June 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $253 in Kaluga. Housing cost is often the main lever when comparing two cities.

Kaluga pays 416% 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 $299 vs $192 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 73% in total monthly costs ($1,394 vs $805 including rent). Kaluga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Kaluga earns 416% 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: $985 in Ubud, Bali versus $253 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 126% 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 $349 in Kaluga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $805 in Kaluga versus $1,394 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 73% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.