Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kholmsk

For one person, living is cheaper in Kholmsk: $1,073 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
52

Cost of Living Index in Kholmsk
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Kholmsk Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Kholmsk

🇷🇺 Russia

$1,073

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,073 in Kholmsk.

Ubud, Bali $1,349
Kholmsk $1,073

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,672 in Kholmsk.

Ubud, Bali $2,305
Kholmsk $1,672

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,271 in Kholmsk.

Ubud, Bali $3,261
Kholmsk $2,271

Living in Ubud, Bali is roughly 26% more expensive than in Kholmsk, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$11.32 ₽913

-70.67%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$37.66 ₽3,037

-5.36%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$6.24 ₽503

-11.38%

Cappuccino

$2.72 Rp 49.4K

$2.85 ₽230

-4.56%

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

$1.70 Rp 30.9K

$1.10 ₽89.0

54.55%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.59 ₽47.53

28.81%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.77 ₽143

49.72%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$2.95 ₽238

48.47%

Milk (1 liter)

$1.49 Rp 27.1K

$1.12 ₽90.7

33.04%

White Bread (500g)

$2.28 Rp 41.4K

$0.74 ₽60.0

208.11%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.37 ₽111

-13.14%

Eggs

$2.04 Rp 37.0K

$1.63 ₽132

25.15%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.48 ₽926

54.18%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$5.25 ₽423

-24.57%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$11.56 ₽933

5.45%

Apples (1kg)

$3.66 Rp 66.4K

$1.72 ₽138

112.79%

Banana (1kg)

$1.52 Rp 27.6K

$1.77 ₽143

-14.12%

Oranges (1kg)

$2.23 Rp 40.5K

$1.77 ₽143

25.99%

Tomato (1kg)

$1.97 Rp 35.9K

$2.78 ₽224

-29.14%

Potato (1kg)

$1.85 Rp 33.6K

$0.84 ₽68.1

120.24%

Onion (1kg)

$2.42 Rp 44.1K

$0.58 ₽46.67

317.24%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.30 ₽105

-23.85%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.77 ₽61.7

-33.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$3.05 ₽246

-27.21%

Wine (Bottle)

$22.24 Rp 404.2K

$7.82 ₽631

184.40%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.07 ₽86.5

111.21%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.06 ₽166

44.17%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.56 ₽45.31

-55.36%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$25.46 ₽2,053

-69.29%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$2.44 ₽197

-81.97%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.35 ₽28.14

22.86%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$5.74 ₽463

-5.75%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.80 ₽64.6

2.50%

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

$23.8K Rp 433.3M

$52.1K ₽4.2M

-54.21%

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

$31.7K Rp 577.0M

$40.2K ₽3.2M

-20.95%

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

$79.1 Rp 1.4M

$121 ₽9,737

-34.52%

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

$6.45 Rp 117.2K

$6.40 ₽516

0.78%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$8.31 ₽670

123.59%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$35.44 ₽2,858

39.62%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$24.21 ₽1,953

-27.10%

Cinema Ticket

$4.27 Rp 77.7K

$6.25 ₽504

-31.68%

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

$491 Rp 8.9M

$349 ₽28.1K

40.56%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$6,381 ₽514.6K

-11.08%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$81.3 ₽6,553

-45.07%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$52.3 ₽4,216

-33.15%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$120 ₽9,681

-33.44%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$104 ₽8,347

-23.27%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$475 ₽38.3K

136.84%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$323 ₽26.0K

108.08%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$906 ₽73.0K

293.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$574 ₽46.3K

200.32%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,280 ₽183.9K

19.80%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,469 ₽118.5K

55.46%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

21.45

-35.76%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Kholmsk: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Kholmsk

$323 30.1% 51.9% $349

Groceries & Markets

Ubud, Bali

$288 21.4%

Kholmsk

$209 19.5% 27.4% $79

Eating Out

Ubud, Bali

$108 8%

Kholmsk

$165 15.4% 53.2% $57

Clothing & Footwear

Ubud, Bali

$108 8%

Kholmsk

$161 15% 49.5% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Kholmsk

$135 12.6% 30.1% $31

Sport & Entertainment

Ubud, Bali

$58 4.3%

Kholmsk

$48 4.5% 17.4% $10

Getting Around

Ubud, Bali

$11 0.9%

Kholmsk

$32 3% 179% $20

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $475 in Kholmsk. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $38 in Kholmsk. Groceries flip the comparison at $288 vs $209, with Kholmsk cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Kholmsk

🕒 Local time

02:45 2:45 AM

05:45 5:45 AM

3 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

27,954

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

100 RUB = 1.24 USD

100 RUB = 1.11 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Russian Ruble exchange rates as of October 28, 2026: 1 USD = 80.65 RUB (100 RUB = 1.24 USD). 1 EUR = 89.78 RUB (100 RUB = 1.11 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Kholmsk 6,720 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Kholmsk

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 Kholmsk: Cost of Living - Frequently Asked Questions

Kholmsk wins on cost – living expenses run 20% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Kholmsk the obvious pick if budget is a priority.

You’d need roughly $2,023 in Ubud, Bali and $1,610 in Kholmsk to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,125 in Ubud, Bali versus $475 in Kholmsk. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 69% less than in Kholmsk. Both cities have functional networks, but the price difference matters if you’re watching your budget.

Childcare runs $491 in Ubud, Bali versus $349 in Kholmsk. 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. Kholmsk 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.