Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Karmøy

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,721 in Karmøy, rent and utilities included – about $16,700 less a year. Other living expenses account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
131

Cost of Living Index in Karmøy
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Karmøy Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Karmøy

🇳🇴 Norway

$2,721

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,721 in Karmøy.

Ubud, Bali $1,331
Karmøy $2,721

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $4,116 in Karmøy.

Ubud, Bali $2,255
Karmøy $4,116

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $5,510 in Karmøy.

Ubud, Bali $3,180
Karmøy $5,510

Living in Ubud, Bali costs roughly 51% less than in Karmøy, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Karmøy is 101% above.

Meal at Budget Restaurant

$3.38 Rp 60.9K

$21.58 NOK 201

-84.34%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 625.4K

$108 NOK 1,000

-67.77%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.6K

$16.18 NOK 150

-65.57%

Cappuccino

$2.62 Rp 47.3K

$5.40 NOK 50.2

-51.48%

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

$1.54 Rp 27.8K

$4.29 NOK 39.90

-64.10%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$3.25 NOK 30.19

-80.31%

Local Beer (0.5 liter draught)

$2.67 Rp 48.1K

$12.04 NOK 112

-77.82%

Imported Beer (0.33 liter bottle)

$4.26 Rp 76.9K

$10.56 NOK 98.2

-59.66%

Milk (1 liter)

$1.46 Rp 26.4K

$2.57 NOK 23.94

-43.19%

White Bread (500g)

$2.29 Rp 41.4K

$3.66 NOK 34.03

-37.43%

Rice (white) (1kg)

$1.11 Rp 20.0K

$3.96 NOK 36.84

-71.97%

Eggs

$2.10 Rp 37.9K

$5.05 NOK 46.93

-58.42%

Local Cheese (1kg)

$15.94 Rp 287.7K

$13.40 NOK 125

18.96%

Chicken Fillets (1kg)

$3.88 Rp 70.1K

$16.11 NOK 150

-75.92%

Beef Round Steak (1kg)

$11.40 Rp 205.8K

$31.83 NOK 296

-64.18%

Apples (1kg)

$3.55 Rp 64.1K

$3.42 NOK 31.80

3.80%

Banana (1kg)

$1.54 Rp 27.7K

$2.67 NOK 24.86

-42.32%

Oranges (1kg)

$2.23 Rp 40.2K

$3.60 NOK 33.48

-38.06%

Tomato (1kg)

$1.97 Rp 35.6K

$5.05 NOK 46.93

-60.99%

Potato (1kg)

$1.86 Rp 33.5K

$2.57 NOK 23.88

-27.63%

Onion (1kg)

$2.42 Rp 43.6K

$2.97 NOK 27.63

-18.52%

Lettuce (1 head)

$1.02 Rp 18.5K

$3.07 NOK 28.56

-66.78%

Water (1.5 liter bottle)

$0.52 Rp 9,427

$2.42 NOK 22.55

-78.51%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

$17.96 NOK 167

-87.75%

Wine (Bottle)

$21.79 Rp 393.2K

$16.70 NOK 155

30.48%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

$3.46 NOK 32.16

-32.66%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.6K

$4.31 NOK 40.09

-31.09%

One-way Ticket (Public Transport)

$0.25 Rp 4,519

$4.68 NOK 43.56

-94.66%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.5K

$86.0 NOK 800

-90.50%

Taxi Start (Normal Tariff)

$0.44 Rp 7,901

$12.26 NOK 114

-96.41%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,446

$1.83 NOK 17.03

-74.32%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.1K

$72.7 NOK 676

-92.29%

Gasoline (1 liter)

$0.83 Rp 14.9K

$2.41 NOK 22.39

-65.56%

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

$24.4K Rp 441.3M

$49.9K NOK 463.9K

-50.98%

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

$31.7K Rp 572.1M

$44.5K NOK 413.8K

-28.76%

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

$77.5 Rp 1.4M

$277 NOK 2,574

-72.00%

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

$6.14 Rp 110.9K

$33.72 NOK 314

-81.79%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.4K

$55.9 NOK 519

-66.12%

Gym Membership (Monthly)

$51.0 Rp 920.4K

$49.75 NOK 463

2.49%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.4K

$37.27 NOK 347

-51.03%

Cinema Ticket

$4.38 Rp 79.1K

$17.37 NOK 162

-74.78%

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

$492 Rp 8.9M

$241 NOK 2,243

104.21%

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.6M

$13.2K NOK 123.1K

-7.68%

Jeans (Levis 501 Or Similar)

$45.16 Rp 815.1K

$103 NOK 955

-56.00%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 629.7K

$57.5 NOK 535

-39.31%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$130 NOK 1,206

-39.61%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$163 NOK 1,514

-52.17%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.4M

$1,262 NOK 11.7K

-14.59%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$1,041 NOK 9,686

-36.15%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.4M

$2,042 NOK 19.0K

71.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$1,709 NOK 15.9K

-2.24%

Buy Apartment in City Center (m2)

$2,340 Rp 42.2M

$6,491 NOK 60.4K

-63.95%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.4M

$4,250 NOK 39.5K

-47.38%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,008 NOK 37.3K

-95.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.94

178.95%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Karmøy: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Karmøy

$1K 38.3% 56.6% $377

Groceries & Markets

Ubud, Bali

$279 21%

Karmøy

$502 18.4% 79.5% $222

Clothing & Footwear

Ubud, Bali

$106 8%

Karmøy

$204 7.5% 91.6% $97

Eating Out

Ubud, Bali

$106 8%

Karmøy

$397 14.6% 276% $292

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Karmøy

$366 13.5% 257% $264

Sport & Entertainment

Ubud, Bali

$60 4.5%

Karmøy

$84 3.1% 41.4% $25

Getting Around

Ubud, Bali

$12 0.9%

Karmøy

$126 4.6% 956% $114

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,262 in Karmøy. Housing cost is often the main lever when comparing two cities.

Karmøy pays about 24 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $107 in Karmøy for a mid-range dinner for two. Groceries echo the gap at $279 vs $502 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇴 Karmøy

🕒 Local time

22:01 10:01 PM

15:01 3:01 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

43,404

💱 Currency

Indonesian Rupiah IDR Rp

Norwegian Krone NOK kr

📈 Exchange rate

100,000 IDR = 5.54 USD

100,000 IDR = 4.93 EUR

100 NOK = 10.75 USD

100 NOK = 9.57 EUR

Exchange rates and currency converter

NOK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,271 IDR (100,000 IDR = 4.93 EUR).

Norwegian Krone exchange rates as of November 6, 2026: 1 USD = 9.3 NOK (1 NOK = 0.108 USD). 1 EUR = 10.45 NOK (100 NOK = 9.57 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Karmøy 11,960 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Karmøy

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 Karmøy: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $2,721 in Karmøy, so Ubud, Bali is about 51% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 96% lower in Ubud, Bali. 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: $1,078 in Ubud, Bali versus $1,262 in Karmøy. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 91% less than in Karmøy. The price difference matters if you commute daily and watch your budget.

Childcare runs $492 in Ubud, Bali versus $241 in Karmøy. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Karmøy are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 51% less than in Karmøy. Beyond cost, consider language, visa policies, and how big the international community is in each city.