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 $1,438 per month in Ubud, Bali vs $1,628 in Kefalonia, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $2,478 in Kefalonia, rent included.

A family of three spends $3,732 per month in Ubud, Bali vs $3,328 in Kefalonia, rent included.

Ubud, Bali is about 12% cheaper than Kefalonia, driven mainly by Eating Out.

Both Ubud, Bali and Kefalonia sit above the global median – Ubud, Bali by 7%, Kefalonia by 22%.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$17.38 €14.87

-79.46%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$57.0 €48.83

-42.88%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$9.65 €8.26

-47.46%

Cappuccino

$2.83 Rp 49.0K

$3.23 €2.76

-12.38%

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

$1.34 Rp 23.2K

$2.30 €1.97

-41.74%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.56 €0.48

23.21%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$5.05 €4.32

-40.79%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$5.72 €4.90

-32.69%

Milk (1 liter)

$1.74 Rp 30.2K

$1.65 €1.41

5.45%

White Bread (500g)

$2.54 Rp 44.0K

$1.49 €1.27

70.47%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.38 €2.04

-50.00%

Eggs

$2.43 Rp 42.0K

$4.12 €3.53

-41.02%

Local Cheese (1kg)

$14.66 Rp 254.1K

$13.42 €11.49

9.24%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$9.95 €8.52

-57.99%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$13.96 €11.95

-14.47%

Apples (1kg)

$3.69 Rp 63.9K

$2.21 €1.89

66.97%

Banana (1kg)

$1.61 Rp 27.8K

$2.13 €1.82

-24.41%

Oranges (1kg)

$2.69 Rp 46.5K

$1.49 €1.27

80.54%

Tomato (1kg)

$2.33 Rp 40.4K

$1.97 €1.68

18.27%

Potato (1kg)

$1.91 Rp 33.0K

$1.27 €1.09

50.39%

Onion (1kg)

$2.19 Rp 37.9K

$1.21 €1.03

80.99%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.98 €0.84

8.16%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.82 €0.70

-12.20%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$5.34 €4.58

-41.39%

Wine (Bottle)

$23.49 Rp 407.1K

$7.10 €6.08

230.85%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.65 €2.27

3.40%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.81 €2.40

2.49%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$1.57 €1.35

-81.53%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$46.32 €39.65

-82.36%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$4.73 €4.05

-90.49%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$13.74 €11.76

-55.17%

Gasoline (1 liter)

$0.84 Rp 14.6K

$2.14 €1.84

-60.75%

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

$26.2K Rp 454.9M

$31.3K €26.8K

-16.18%

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

$32.5K Rp 562.9M

$26.3K €22.5K

23.40%

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

$78.4 Rp 1.4M

$294 €252

-73.35%

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

$3.95 Rp 68.5K

$22.96 €19.66

-82.80%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$32.91 €28.17

-25.86%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$48.02 €41.11

101.04%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$26.47 €22.65

-76.01%

Cinema Ticket

$4.04 Rp 70.0K

$9.77 €8.36

-58.65%

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

$303 Rp 5.2M

$419 €358

-27.71%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$6,056 €5,184

7.70%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$88.6 €75.8

-39.21%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$38.78 €33.19

-2.06%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$98.3 €84.2

-11.78%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$106 €90.8

-25.67%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$558 €478

81.37%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$437 €374

54.47%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$1,146 €981

195.69%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$832 €712

152.18%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$2,711 €2,321

10.08%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$2,284 €1,955

2.43%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,151 €985

-84.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.43

199.77%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Kefalonia: April 26, 2026

Cost Breakdown

A central one-bedroom costs $1,012 in Ubud, Bali versus $558 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 565% 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 $33.00 in Ubud, Bali versus $57.0 in Kefalonia. Groceries tell a different story – $298 in Ubud, Bali vs $282 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 13% 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 $2,158 per month in Ubud, Bali and $2,442 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 $303 per month in Ubud, Bali and $419 in Kefalonia. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 6% 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 $1,438, than in Kefalonia at $1,628. 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 $1,438 versus $1,628 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.