Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Karaganda

For one person, living is cheaper in Karaganda: $929 a month against $1,353 in Ubud, Bali, rent and utilities included – about $5,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
45

Cost of Living Index in Karaganda
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Karaganda Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Karaganda

🇰🇿 Kazakhstan

$929

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $929 in Karaganda, rent included.

Ubud, Bali $1,353
Karaganda $929

A couple spends around $2,297 per month in Ubud, Bali vs $1,498 in Karaganda, rent included.

Ubud, Bali $2,297
Karaganda $1,498

A family of three spends $3,241 per month in Ubud, Bali vs $2,067 in Karaganda, rent included.

Ubud, Bali $3,241
Karaganda $2,067

Ubud, Bali costs about 46% more than Karaganda, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Karaganda is 31% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$9.92 ₸4,483

-67.44%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$34.77 ₸15.7K

0.32%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.62 ₸2,540

1.42%

Cappuccino

$2.62 Rp 47.1K

$1.90 ₸861

37.89%

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

$1.72 Rp 31.0K

$0.87 ₸392

97.70%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.64 ₸290

26.56%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.37 ₸618

93.43%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$2.81 ₸1,271

55.52%

Milk (1 liter)

$1.57 Rp 28.3K

$1.33 ₸602

18.05%

White Bread (500g)

$2.19 Rp 39.5K

$0.48 ₸219

356.25%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.34 ₸605

-11.94%

Eggs

$2.16 Rp 38.8K

$1.87 ₸845

15.51%

Local Cheese (1kg)

$17.65 Rp 317.7K

$13.37 ₸6,043

32.01%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.55 ₸2,510

-31.89%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$11.16 ₸5,043

7.08%

Apples (1kg)

$3.60 Rp 64.8K

$1.51 ₸683

138.41%

Banana (1kg)

$1.59 Rp 28.6K

$1.89 ₸857

-15.87%

Oranges (1kg)

$2.31 Rp 41.6K

$2.78 ₸1,255

-16.91%

Tomato (1kg)

$1.91 Rp 34.3K

$2.09 ₸944

-8.61%

Potato (1kg)

$1.78 Rp 32.1K

$0.63 ₸284

182.54%

Onion (1kg)

$2.33 Rp 41.9K

$0.54 ₸245

331.48%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.04 ₸469

-3.85%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.70 ₸315

-24.29%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.18 ₸985

5.05%

Wine (Bottle)

$22.07 Rp 397.3K

$8.40 ₸3,798

162.74%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.36 ₸616

72.79%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.11 ₸955

41.23%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.23 ₸104

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$15.45 ₸6,982

-42.39%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.23 ₸558

-61.79%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.24 ₸562

-65.32%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$3.22 ₸1,457

69.88%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.52 ₸236

59.62%

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

$23.9K Rp 429.8M

$21.6K ₸9.8M

10.33%

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

$32.8K Rp 590.1M

$32.3K ₸14.6M

1.61%

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

$80.0 Rp 1.4M

$72.6 ₸32.8K

10.22%

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

$6.56 Rp 118.1K

$9.86 ₸4,457

-33.47%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$11.82 ₸5,342

57.36%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$45.55 ₸20.6K

18.81%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$18.09 ₸8,179

1.05%

Cinema Ticket

$4.25 Rp 76.5K

$5.29 ₸2,390

-19.66%

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

$493 Rp 8.9M

$133 ₸59.9K

271.84%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$60.5 ₸27.4K

-24.70%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$57.6 ₸26.0K

-39.30%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$79.0 ₸35.7K

-1.61%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$85.7 ₸38.7K

-8.38%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$400 ₸180.6K

183.15%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$274 ₸123.7K

145.82%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$730 ₸330.1K

394.74%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$543 ₸245.7K

213.14%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$1,053 ₸475.8K

158.16%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$695 ₸314.0K

222.67%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$566 ₸256.1K

-70.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

19.25

-28.42%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Karaganda: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Karaganda

$274 29.5% 59.3% $399

Groceries & Markets

Ubud, Bali

$287 21.2%

Karaganda

$216 23.3% 24.7% $71

Clothing & Footwear

Ubud, Bali

$107 7.9%

Karaganda

$127 13.7% 19.4% $21

Eating Out

Ubud, Bali

$106 7.9%

Karaganda

$138 14.8% 29.2% $31

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Karaganda

$94 10.2% 10.4% $11

Sport & Entertainment

Ubud, Bali

$63 4.6%

Karaganda

$56 6% 10.4% $6.5

Getting Around

Ubud, Bali

$12 0.9%

Karaganda

$24 2.6% 91.6% $11

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $400 in Karaganda. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 240% higher in Karaganda, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $35.00 in Karaganda. Groceries tell a different story – $287 in Ubud, Bali vs $216 in Karaganda – so Karaganda wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇰🇿 Karaganda

🕒 Local time

22:23 10:23 PM

20:23 8:23 PM

2 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

520,486

💱 Currency

Indonesian Rupiah IDR Rp

Kazakhstani Tenge KZT ₸

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 KZT = 2.21 USD

1,000 KZT = 1.97 EUR

Exchange rates and currency converter

KZT, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Kazakhstani Tenge exchange rates as of October 20, 2026: 1 USD = 452 KZT (1,000 KZT = 2.21 USD). 1 EUR = 508 KZT (1,000 KZT = 1.97 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Karaganda 7,660 km ≈ 10 h nonstop flight

From you

Ubud, Bali
Karaganda

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 Karaganda: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,353 in Ubud, Bali, $929 in Karaganda – roughly 46% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,393 in Karaganda. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karaganda, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 74% less in Karaganda. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $493 per month in Ubud, Bali and $133 in Karaganda. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Karaganda, where all-in costs run around $929, than in Ubud, Bali at $1,353. In Karaganda it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $929 in Karaganda to $1,353 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Karaganda. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.