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: $1,368 in Ubud, Bali versus $979 in Kaluga.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,536 in Kaluga.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,093 in Kaluga.

Living in Ubud, Bali is roughly 40% more expensive than in Kaluga, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Ubud, Bali is 0% above, Kaluga is 28% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$9.69 ₽819

-64.50%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$35.01 ₽2,958

3.71%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$4.69 ₽396

21.75%

Cappuccino

$2.67 Rp 47.3K

$2.50 ₽211

6.80%

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

$1.75 Rp 31.0K

$0.90 ₽75.8

94.44%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.56 ₽47.56

55.36%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.33 ₽112

121.80%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$1.82 ₽153

148.35%

Milk (1 liter)

$1.62 Rp 28.7K

$1.19 ₽101

36.13%

White Bread (500g)

$2.33 Rp 41.3K

$0.98 ₽82.6

137.76%

Rice (white) (1kg)

$1.11 Rp 19.6K

$2.33 ₽197

-52.36%

Eggs

$2.20 Rp 39.0K

$1.98 ₽167

11.11%

Local Cheese (1kg)

$17.69 Rp 313.3K

$13.15 ₽1,111

34.52%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$6.56 ₽554

-37.50%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$13.59 ₽1,148

-10.38%

Apples (1kg)

$3.71 Rp 65.6K

$1.69 ₽143

119.53%

Banana (1kg)

$1.59 Rp 28.1K

$1.59 ₽134

Oranges (1kg)

$2.28 Rp 40.4K

$1.56 ₽132

46.15%

Tomato (1kg)

$1.95 Rp 34.6K

$2.78 ₽235

-29.86%

Potato (1kg)

$1.91 Rp 33.7K

$0.53 ₽44.56

260.38%

Onion (1kg)

$2.33 Rp 41.3K

$0.49 ₽41.23

375.51%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.39 ₽117

-27.34%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.86 ₽72.3

-36.05%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.09 ₽261

-27.83%

Wine (Bottle)

$23.07 Rp 408.6K

$8.56 ₽723

169.51%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.17 ₽98.8

106.84%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.65 ₽224

13.21%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.43 ₽35.97

-37.21%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$17.67 ₽1,493

-49.18%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.93 ₽78.6

-48.39%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$6.43 ₽543

-12.29%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.84 ₽70.9

-4.76%

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

$24.9K Rp 441.7M

$49.5K ₽4.2M

-49.57%

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

$31.7K Rp 561.5M

$23.9K ₽2.0M

32.95%

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

$81.5 Rp 1.4M

$119 ₽10.1K

-31.77%

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

$6.49 Rp 115.0K

$5.94 ₽502

9.26%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$8.79 ₽743

113.54%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$48.00 ₽4,055

18.48%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$23.99 ₽2,027

-21.93%

Cinema Ticket

$4.54 Rp 80.4K

$3.45 ₽291

31.59%

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

$481 Rp 8.5M

$329 ₽27.8K

45.94%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$94.1 ₽7,950

-51.62%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$35.07 ₽2,963

2.31%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$180 ₽15.2K

-55.27%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$89.7 ₽7,580

-12.31%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$301 ₽25.4K

270.66%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$210 ₽17.8K

231.72%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$582 ₽49.2K

524.41%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$354 ₽29.9K

391.40%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$1,452 ₽122.7K

91.77%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$1,256 ₽106.1K

82.33%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$640 ₽54.1K

-73.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

23.12

-40.40%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Kaluga: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $301 in Kaluga. Housing cost is often the main lever when comparing two cities.

Kaluga pays 281% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $35.00 in Kaluga for a mid-range dinner for two. Groceries echo the gap at $295 vs $237 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 40% in total monthly costs ($1,368 vs $979 including rent). Kaluga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 281% 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: $1,115 in Ubud, Bali versus $301 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 97% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $481 in Ubud, Bali versus $329 in Kaluga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $979 in Kaluga versus $1,368 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 40% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.