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: $1,378 in Ubud, Bali versus $999 in Kholmsk.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $1,536 in Kholmsk.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $2,073 in Kholmsk.

Living in Ubud, Bali is roughly 38% more expensive than in Kholmsk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Kholmsk is 28% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$9.56 ₽804

-65.17%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$38.59 ₽3,243

-7.18%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$5.87 ₽493

-4.09%

Cappuccino

$2.82 Rp 49.7K

$2.61 ₽219

8.05%

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

$1.75 Rp 30.8K

$0.95 ₽79.9

84.21%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.66 ₽55.8

21.21%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.87 ₽158

62.57%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$3.16 ₽266

36.08%

Milk (1 liter)

$1.61 Rp 28.3K

$0.96 ₽80.5

67.71%

White Bread (500g)

$2.27 Rp 39.9K

$0.78 ₽65.3

191.03%

Rice (white) (1kg)

$1.17 Rp 20.6K

$1.19 ₽99.8

-1.68%

Eggs

$2.17 Rp 38.2K

$1.52 ₽128

42.76%

Local Cheese (1kg)

$17.63 Rp 310.5K

$9.74 ₽819

81.01%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$5.58 ₽469

-27.42%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$11.99 ₽1,007

1.58%

Apples (1kg)

$3.62 Rp 63.7K

$1.96 ₽164

84.69%

Banana (1kg)

$1.64 Rp 28.8K

$1.79 ₽150

-8.38%

Oranges (1kg)

$2.31 Rp 40.6K

$1.98 ₽166

16.67%

Tomato (1kg)

$1.96 Rp 34.5K

$2.38 ₽200

-17.65%

Potato (1kg)

$1.84 Rp 32.5K

$0.81 ₽68.3

127.16%

Onion (1kg)

$2.37 Rp 41.7K

$0.62 ₽52.2

282.26%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.40 ₽118

-25.00%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.79 ₽66.5

-31.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$3.01 ₽253

-23.59%

Wine (Bottle)

$23.08 Rp 406.4K

$7.65 ₽643

201.70%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.10 ₽92.6

112.73%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.10 ₽176

46.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.50 ₽42.42

-50.00%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$2.46 ₽207

-80.08%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.35 ₽29.78

34.29%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$4.60 ₽387

21.74%

Gasoline (1 liter)

$0.81 Rp 14.2K

$0.77 ₽65.0

5.19%

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

$25.0K Rp 440.3M

$27.9K ₽2.3M

-10.41%

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

$31.1K Rp 547.0M

$30.5K ₽2.6M

1.78%

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

$82.7 Rp 1.5M

$129 ₽10.9K

-35.94%

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

$6.49 Rp 114.2K

$4.96 ₽417

30.85%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$9.16 ₽770

105.13%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$33.83 ₽2,844

63.29%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$25.92 ₽2,178

-29.75%

Cinema Ticket

$4.30 Rp 75.7K

$5.51 ₽463

-21.96%

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

$494 Rp 8.7M

$349 ₽29.4K

41.40%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$5,894 ₽495.4K

0.40%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$58.4 ₽4,912

-20.81%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$40.14 ₽3,374

-9.22%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$110 ₽9,210

-26.36%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$82.8 ₽6,961

-4.85%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$393 ₽33.0K

183.36%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$316 ₽26.5K

119.66%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$677 ₽56.9K

437.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$572 ₽48.1K

199.33%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$2,134 ₽179.4K

29.35%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,398 ₽117.5K

64.02%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-34.38%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Kholmsk: September 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $393 in Kholmsk. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $39.00 in Kholmsk. Groceries flip the comparison at $294 vs $205, 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 38% 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 $2,067 in Ubud, Bali and $1,499 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: $1,114 in Ubud, Bali versus $393 in Kholmsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 43% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,378 per month in Ubud, Bali versus $999 in Kholmsk – a 38% gap that adds up to real savings over time for anyone picking the cheaper option.

At $999 in Kholmsk versus $1,378 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 $999 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 38% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.