Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kefalonia

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,551 in Kefalonia, rent and utilities included – about $2,400 less a year. The total is higher in Kefalonia despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
76

Cost of Living Index in Kefalonia
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Kefalonia Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Kefalonia

🇬🇷 Greece

$1,551

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $1,551 in Kefalonia, rent included.

Ubud, Bali $1,353
Kefalonia $1,551

A couple spends around $2,297 per month in Ubud, Bali vs $2,322 in Kefalonia, rent included.

Ubud, Bali $2,297
Kefalonia $2,322

A family of three spends $3,241 per month in Ubud, Bali vs $3,092 in Kefalonia, rent included.

Ubud, Bali $3,241
Kefalonia $3,092

Ubud, Bali is about 13% cheaper than Kefalonia, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Kefalonia sit above the global median – Ubud, Bali by 0%, Kefalonia by 14%.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$14.80 €13.16

-78.18%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$38.73 €34.45

-9.94%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$10.23 €9.10

-44.28%

Cappuccino

$2.62 Rp 47.1K

$3.14 €2.79

-16.56%

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

$1.72 Rp 31.0K

$3.44 €3.06

-50.00%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.61 €0.54

32.79%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$4.68 €4.16

-43.38%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.38 €4.79

-18.77%

Milk (1 liter)

$1.57 Rp 28.3K

$1.55 €1.38

1.29%

White Bread (500g)

$2.19 Rp 39.5K

$1.39 €1.24

57.55%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.58 €2.30

-54.26%

Eggs

$2.16 Rp 38.8K

$4.69 €4.17

-53.94%

Local Cheese (1kg)

$17.65 Rp 317.7K

$13.39 €11.91

31.81%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$9.56 €8.51

-60.46%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$14.16 €12.59

-15.61%

Apples (1kg)

$3.60 Rp 64.8K

$2.18 €1.94

65.14%

Banana (1kg)

$1.59 Rp 28.6K

$2.09 €1.86

-23.92%

Oranges (1kg)

$2.31 Rp 41.6K

$1.38 €1.22

67.39%

Tomato (1kg)

$1.91 Rp 34.3K

$2.01 €1.79

-4.98%

Potato (1kg)

$1.78 Rp 32.1K

$1.12 €0.99

58.93%

Onion (1kg)

$2.33 Rp 41.9K

$1.12 €1.00

108.04%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.09 €0.97

-8.26%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.87 €0.78

-39.08%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.26 €4.68

-56.46%

Wine (Bottle)

$22.07 Rp 397.3K

$6.71 €5.97

228.91%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$2.58 €2.30

-8.91%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.53 €2.25

17.79%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.37 €1.22

-83.21%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$45.22 €40.23

-80.32%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$4.20 €3.73

-88.81%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.11 €0.99

-61.26%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$16.11 €14.33

-66.05%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.99 €1.77

-58.29%

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

$23.9K Rp 429.8M

$27.6K €24.6K

-13.55%

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

$32.8K Rp 590.1M

$25.0K €22.2K

31.09%

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

$80.0 Rp 1.4M

$277 €246

-71.10%

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

$6.56 Rp 118.1K

$23.48 €20.89

-72.06%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$30.05 €26.73

-38.10%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$50.7 €45.08

6.79%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$24.90 €22.15

-26.59%

Cinema Ticket

$4.25 Rp 76.5K

$9.15 €8.14

-53.55%

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

$493 Rp 8.9M

$427 €380

15.44%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$7,666 €6,819

-26.99%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$88.7 €78.9

-48.62%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$40.31 €35.85

-13.27%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$93.9 €83.5

-17.24%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$120 €107

-34.45%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$527 €469

114.53%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$420 €374

60.24%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,093 €972

230.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$786 €699

116.52%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,638 €2,347

3.01%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,187 €1,946

2.45%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,095 €974

-84.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.46

208.97%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Kefalonia: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Kefalonia

$420 27.1% 37.6% $253

Groceries & Markets

Ubud, Bali

$287 21.2%

Kefalonia

$280 18.1% 2.5% $7.3

Clothing & Footwear

Ubud, Bali

$107 7.9%

Kefalonia

$154 9.9% 44.7% $48

Eating Out

Ubud, Bali

$106 7.9%

Kefalonia

$237 15.3% 123% $131

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Kefalonia

$330 21.3% 214% $225

Sport & Entertainment

Ubud, Bali

$63 4.6%

Kefalonia

$69 4.5% 10.2% $6.4

Getting Around

Ubud, Bali

$12 0.9%

Kefalonia

$60 3.9% 386% $48

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $527 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 558% 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 $35.00 in Ubud, Bali versus $39.00 in Kefalonia. Groceries tell a different story – $287 in Ubud, Bali vs $280 in Kefalonia – so Kefalonia wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇬🇷 Kefalonia

🕒 Local time

20:43 8:43 PM

15:43 3:43 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

36,404

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD 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).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kefalonia 11,000 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kefalonia

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 Kefalonia: Cost of Living - Frequently Asked Questions

Kefalonia costs about 15% more than Ubud, Bali, and outside of rent the gap comes mainly from 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 $2,030 per month in Ubud, Bali and $2,326 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 $493 per month in Ubud, Bali and $427 in Kefalonia. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 3% 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 $1,353, than in Kefalonia at $1,551. 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 $1,353 versus $1,551 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.