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: $1,397 in Ubud, Bali versus $970 in Kholmsk.

Estimated couple costs with rent: $2,588 in Ubud, Bali versus $1,492 in Kholmsk.

Monthly costs for a family of three with rent: $3,778 in Ubud, Bali versus $2,015 in Kholmsk.

Living in Ubud, Bali is roughly 44% more expensive than in Kholmsk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Kholmsk is 27% below.

Meal at Budget Restaurant

$3.43 Rp 61.6K

$9.30 ₽722

-63.12%

Three-Course Dinner for Two, Mid-Range

$31.97 Rp 574.4K

$38.51 ₽2,990

-16.98%

Fast Food Meal (McDonalds, etc)

$5.05 Rp 90.8K

$5.59 ₽434

-9.66%

Cappuccino

$2.71 Rp 48.8K

$2.37 ₽184

14.35%

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

$1.39 Rp 25.0K

$1.07 ₽83.0

29.91%

Water (0.33 liter bottle)

$0.74 Rp 13.3K

$0.52 ₽40.08

42.31%

Local Beer (0.5 liter draught)

$2.89 Rp 52.0K

$1.42 ₽110

103.52%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.1K

$2.62 ₽203

44.66%

Milk (1 liter)

$1.79 Rp 32.2K

$1.11 ₽86.5

61.26%

White Bread (500g)

$2.51 Rp 45.0K

$0.65 ₽50.5

286.15%

Rice (white) (1kg)

$1.21 Rp 21.8K

$1.41 ₽110

-14.18%

Eggs

$2.37 Rp 42.5K

$2.15 ₽167

10.23%

Local Cheese (1kg)

$14.43 Rp 259.3K

$10.87 ₽844

32.75%

Chicken Fillets (1kg)

$4.15 Rp 74.6K

$4.81 ₽373

-13.72%

Beef Round Steak (1kg)

$12.11 Rp 217.7K

$8.63 ₽670

40.32%

Apples (1kg)

$3.77 Rp 67.7K

$1.82 ₽141

107.14%

Banana (1kg)

$1.63 Rp 29.2K

$1.82 ₽141

-10.44%

Oranges (1kg)

$2.71 Rp 48.6K

$1.89 ₽147

43.39%

Tomato (1kg)

$2.26 Rp 40.5K

$2.66 ₽206

-15.04%

Potato (1kg)

$1.93 Rp 34.6K

$0.84 ₽65.0

129.76%

Onion (1kg)

$2.19 Rp 39.4K

$0.66 ₽51.1

231.82%

Lettuce (1 head)

$1.02 Rp 18.3K

$1.42 ₽110

-28.17%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.68 ₽52.8

5.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.2K

$2.89 ₽224

10.03%

Wine (Bottle)

$23.84 Rp 428.3K

$8.29 ₽643

187.58%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.8K

$0.94 ₽72.9

194.68%

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.4K

$1.85 ₽144

48.65%

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.49 ₽37.74

-44.90%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 147.3K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.85 ₽144

-74.05%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,571

$0.32 ₽25.14

31.25%

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 108.3K

$6.33 ₽491

-4.74%

Gasoline (1 liter)

$0.82 Rp 14.7K

$0.77 ₽60.0

6.49%

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

$26.6K Rp 477.3M

$33.7K ₽2.6M

-21.23%

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

$32.2K Rp 578.6M

$35.3K ₽2.7M

-8.78%

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

$78.3 Rp 1.4M

$109 ₽8,431

-27.94%

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

$3.91 Rp 70.3K

$5.89 ₽457

-33.62%

Internet (50+ Mbps, Unlimited Data)

$23.91 Rp 429.7K

$7.99 ₽620

199.25%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$35.49 ₽2,756

171.01%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 117.3K

Cinema Ticket

$4.01 Rp 72.1K

$4.95 ₽384

-18.99%

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

$303 Rp 5.4M

$321 ₽24.9K

-5.62%

International Primary School, 1 Child (Yearly)

$6,551 Rp 117.7M

$6,997 ₽543.2K

-6.38%

Jeans (Levis 501 Or Similar)

$55.3 Rp 993.9K

$70.4 ₽5,465

-21.42%

Summer Dress (H&M, Zara, etc)

$38.32 Rp 688.6K

$44.37 ₽3,445

-13.64%

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

$116 ₽9,038

-23.99%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$105 ₽8,154

-26.94%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$442 ₽34.4K

122.78%

1-bedroom Apartment, Outside City Center (Monthly)

$682 Rp 12.3M

$306 ₽23.8K

122.88%

3-bedroom Apartment, City Center (Monthly)

$3,420 Rp 61.5M

$774 ₽60.1K

341.87%

3-bedroom Apartment, Outside City Center (Monthly)

$2,075 Rp 37.3M

$506 ₽39.3K

309.68%

Buy Apartment in City Center (m2)

$2,762 Rp 49.6M

$2,366 ₽183.7K

16.73%

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.3M

$1,345 ₽104.4K

66.75%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

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: July 22, 2026

Last update for Kholmsk: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $442 in Kholmsk. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $39.00 in Kholmsk. Groceries flip the comparison at $298 vs $198, 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 44% 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 $2,096 in Ubud, Bali and $1,455 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: $986 in Ubud, Bali versus $442 in Kholmsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 51% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,397 per month in Ubud, Bali versus $970 in Kholmsk – a 44% gap that adds up to real savings over time for anyone picking the cheaper option.

At $970 in Kholmsk versus $1,397 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 $970 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 44% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.