Cost of Living Comparison Between Ubud, Bali and Kefalonia Cost of Living Comparison Between Ubud, Bali and Kefalonia

Monthly Cost of Living

A single person spends $1,379 per month in Ubud, Bali vs $1,616 in Kefalonia, rent included.

A couple spends around $2,363 per month in Ubud, Bali vs $2,438 in Kefalonia, rent included.

A family of three spends $3,347 per month in Ubud, Bali vs $3,261 in Kefalonia, rent included.

Ubud, Bali is about 15% cheaper than Kefalonia, driven mainly by Eating Out.

Both Ubud, Bali and Kefalonia sit above the global median – Ubud, Bali by 1%, Kefalonia by 18%.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$15.47 €13.23

-78.60%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$39.96 €34.18

-2.20%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$10.41 €8.90

-46.01%

Cappuccino

$2.64 Rp 46.9K

$3.20 €2.74

-17.50%

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

$1.58 Rp 28.2K

$3.57 €3.05

-55.74%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.66 €0.56

7.58%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$5.03 €4.31

-45.73%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$5.58 €4.77

-22.58%

Milk (1 liter)

$1.54 Rp 27.4K

$1.70 €1.46

-9.41%

White Bread (500g)

$2.30 Rp 40.8K

$1.39 €1.18

65.47%

Rice (white) (1kg)

$1.03 Rp 18.3K

$2.63 €2.25

-60.84%

Eggs

$2.12 Rp 37.7K

$4.67 €4.00

-54.60%

Local Cheese (1kg)

$17.30 Rp 307.5K

$14.14 €12.10

22.35%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$9.65 €8.25

-58.24%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$14.46 €12.37

-14.11%

Apples (1kg)

$3.70 Rp 65.7K

$2.53 €2.16

46.25%

Banana (1kg)

$1.62 Rp 28.7K

$1.98 €1.69

-18.18%

Oranges (1kg)

$2.27 Rp 40.3K

$1.28 €1.10

77.34%

Tomato (1kg)

$1.99 Rp 35.4K

$2.06 €1.76

-3.40%

Potato (1kg)

$1.83 Rp 32.5K

$1.06 €0.91

72.64%

Onion (1kg)

$2.25 Rp 40.1K

$1.27 €1.09

77.17%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.98 €0.84

6.12%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.86 €0.74

-34.88%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$5.56 €4.76

-60.07%

Wine (Bottle)

$23.22 Rp 412.7K

$7.12 €6.09

226.12%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$2.55 €2.18

-6.27%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$2.66 €2.27

7.89%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$1.53 €1.31

-83.66%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$48.88 €41.82

-85.33%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$5.14 €4.40

-91.05%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.00 €0.86

-54.00%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$14.80 €12.66

-61.49%

Gasoline (1 liter)

$0.76 Rp 13.6K

$2.13 €1.82

-64.32%

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

$24.6K Rp 436.7M

$28.5K €24.4K

-13.73%

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

$31.0K Rp 551.5M

$26.1K €22.4K

18.66%

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

$82.2 Rp 1.5M

$291 €249

-71.77%

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

$6.33 Rp 112.5K

$23.80 €20.36

-73.40%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$31.28 €26.76

-40.73%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$51.2 €43.76

9.56%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$25.59 €21.89

-28.06%

Cinema Ticket

$4.26 Rp 75.8K

$9.04 €7.74

-52.88%

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

$489 Rp 8.7M

$443 €379

10.33%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$6,374 €5,452

-9.12%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$84.6 €72.4

-45.65%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$45.09 €38.57

-20.47%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$99.6 €85.2

-20.18%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$128 €109

-36.68%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$559 €478

104.83%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$452 €387

53.08%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$1,115 €954

216.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$835 €714

104.79%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$3,043 €2,603

-8.51%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$2,274 €1,945

-0.57%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$1,726 €1,477

-90.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.44

210.36%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Kefalonia: August 17, 2026

Cost Breakdown

A central one-bedroom costs $1,144 in Ubud, Bali versus $559 in Kefalonia. 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 920% higher in Kefalonia, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $40.00 in Kefalonia. Groceries tell a different story – $293 in Ubud, Bali vs $286 in Kefalonia – so Kefalonia wins on supermarket bills even if dining out costs more.

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 Kefalonia: Cost of Living - Frequently Asked Questions

Kefalonia costs about 17% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,069 per month in Ubud, Bali and $2,424 in Kefalonia. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $489 per month in Ubud, Bali and $443 in Kefalonia. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 2% cheaper in Kefalonia – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,379, than in Kefalonia at $1,616. In Ubud, Bali it covers expenses comfortably, while in Kefalonia it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,379 versus $1,616 in Kefalonia. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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