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

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $966 in Kholmsk.

Estimated couple costs with rent: $2,582 in Ubud, Bali versus $1,479 in Kholmsk.

Monthly costs for a family of three with rent: $3,757 in Ubud, Bali versus $1,993 in Kholmsk.

Living in Ubud, Bali is roughly 46% more expensive than Kholmsk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Kholmsk is 28% below.

Meal at Budget Restaurant

$3.42 Rp 58.7K

$9.57 ₽718

-64.26%

Three-Course Dinner for Two, Mid-Range

$32.96 Rp 566.5K

$37.48 ₽2,813

-12.06%

Fast Food Meal (McDonalds, etc)

$5.08 Rp 87.3K

$5.87 ₽441

-13.46%

Cappuccino

$2.82 Rp 48.5K

$2.28 ₽171

23.68%

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

$1.37 Rp 23.5K

$1.13 ₽84.7

21.24%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$0.48 ₽35.96

47.92%

Local Beer (0.5 liter draught)

$2.97 Rp 51.0K

$1.41 ₽106

110.64%

Imported Beer (0.33 liter bottle)

$3.91 Rp 67.2K

$2.60 ₽195

50.38%

Milk (1 liter)

$1.75 Rp 30.0K

$1.11 ₽83.3

57.66%

White Bread (500g)

$2.52 Rp 43.2K

$0.69 ₽52.1

265.22%

Rice (white) (1kg)

$1.21 Rp 20.8K

$1.44 ₽108

-15.97%

Eggs

$2.33 Rp 40.1K

$2.19 ₽164

6.39%

Local Cheese (1kg)

$14.50 Rp 249.2K

$10.76 ₽807

34.76%

Chicken Fillets (1kg)

$4.36 Rp 74.9K

$4.84 ₽363

-9.92%

Beef Round Steak (1kg)

$12.05 Rp 207.0K

$8.77 ₽658

37.40%

Apples (1kg)

$3.82 Rp 65.6K

$1.81 ₽136

111.05%

Banana (1kg)

$1.61 Rp 27.7K

$1.89 ₽142

-14.81%

Oranges (1kg)

$2.70 Rp 46.5K

$1.92 ₽144

40.63%

Tomato (1kg)

$2.23 Rp 38.3K

$2.76 ₽207

-19.20%

Potato (1kg)

$1.90 Rp 32.6K

$0.84 ₽63.1

126.19%

Onion (1kg)

$2.18 Rp 37.5K

$0.67 ₽50.5

225.37%

Lettuce (1 head)

$1.03 Rp 17.7K

$1.34 ₽101

-23.13%

Water (1.5 liter bottle)

$0.77 Rp 13.3K

$0.67 ₽50.5

14.93%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 54.7K

$2.96 ₽222

7.43%

Wine (Bottle)

$23.23 Rp 399.2K

$7.85 ₽589

195.92%

Local Beer (0.5 liter bottle)

$2.85 Rp 48.9K

$1.03 ₽77.2

176.70%

Imported Beer (0.33 liter bottle)

$2.72 Rp 46.7K

$1.88 ₽141

44.68%

One-way Ticket (Public Transport)

$0.29 Rp 5,022

$0.53 ₽39.86

-45.28%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

Taxi Start (Normal Tariff)

$0.49 Rp 8,344

$1.85 ₽139

-73.51%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,812

$0.35 ₽26.55

28.57%

Taxi 1hour Waiting (Normal Tariff)

$6.28 Rp 107.8K

$6.26 ₽470

0.32%

Gasoline (1 liter)

$0.85 Rp 14.6K

$0.74 ₽55.3

14.86%

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

$26.1K Rp 447.8M

$34.3K ₽2.6M

-24.11%

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

$31.5K Rp 541.8M

$35.1K ₽2.6M

-10.23%

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

$79.8 Rp 1.4M

$110 ₽8,246

-27.41%

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

$4.09 Rp 70.3K

$6.03 ₽452

-32.17%

Internet (50+ Mbps, Unlimited Data)

$24.06 Rp 413.6K

$8.02 ₽602

200.00%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$35.90 ₽2,694

167.94%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 112.2K

Cinema Ticket

$4.13 Rp 71.1K

$4.94 ₽371

-16.40%

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

$297 Rp 5.1M

$318 ₽23.8K

-6.54%

International Primary School, 1 Child (Yearly)

$6,661 Rp 114.5M

$7,051 ₽529.1K

-5.53%

Jeans (Levis 501 Or Similar)

$55.0 Rp 944.5K

$71.1 ₽5,338

-22.74%

Summer Dress (H&M, Zara, etc)

$38.75 Rp 666.0K

$44.95 ₽3,373

-13.79%

Sport Shoes (Adidas, Nike)

$89.6 Rp 1.5M

$115 ₽8,644

-22.21%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$107 ₽8,055

-26.50%

1-bedroom Apartment, City Center (Monthly)

$1,018 Rp 17.5M

$440 ₽33.0K

131.49%

1-bedroom Apartment, Outside City Center (Monthly)

$660 Rp 11.3M

$301 ₽22.6K

119.48%

3-bedroom Apartment, City Center (Monthly)

$3,435 Rp 59.0M

$776 ₽58.2K

342.88%

3-bedroom Apartment, Outside City Center (Monthly)

$2,053 Rp 35.3M

$509 ₽38.2K

303.23%

Buy Apartment in City Center (m2)

$2,981 Rp 51.2M

$997 ₽74.8K

199.07%

Buy Apartment Outside City Center (m2)

$2,368 Rp 40.7M

$1,522 ₽114.2K

55.59%

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

$596 ₽44.7K

-71.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

18.33

-27.55%

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

Last update for Ubud, Bali: April 21, 2026

Last update for Kholmsk: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,018 in Ubud, Bali and $440 in Kholmsk. Housing cost is often the main lever when comparing two cities.

Kholmsk pays 246% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33 in Ubud, Bali vs $37 in Kholmsk. Groceries flip the comparison at $299 vs $199, with Kholmsk cheaper for home cooking.

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 46% 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.

On paper, Kholmsk earns 246% less. 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: $1,018 in Ubud, Bali versus $440 in Kholmsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 50% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,408 per month in Ubud, Bali versus $966 in Kholmsk – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

At $966 in Kholmsk versus $1,408 in Ubud, Bali, a $1,000 budget is realistic in Kholmsk but tight or insufficient in Ubud, Bali. The gap between the two cities makes Kholmsk the clear choice for anyone on this budget.

Both work as nomad bases, but Kholmsk delivers better value – similar infrastructure at $966 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Kholmsk hard to pass up.

Safety-wise, Ubud, Bali and Kholmsk are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Kholmsk gentler on the wallet – expenses run 46% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.