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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $609 in Kirkuk.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $960 in Kirkuk.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,311 in Kirkuk.

Living in Ubud, Bali is roughly 130% more expensive than Kirkuk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Kirkuk is 55% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$3.80 IQD 4,974

-6.05%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$25.74 IQD 33.7K

26.26%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$5.76 IQD 7,540

-15.62%

Cappuccino

$2.75 Rp 49.2K

$2.34 IQD 3,064

17.52%

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

$1.32 Rp 23.7K

$0.39 IQD 512

238.46%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.18 IQD 235

288.89%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$3.41 IQD 4,468

-14.66%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.89 IQD 3,782

31.14%

Milk (1 liter)

$1.71 Rp 30.6K

$1.14 IQD 1,498

50.00%

White Bread (500g)

$2.47 Rp 44.3K

$0.61 IQD 796

304.92%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.67 IQD 2,182

-28.14%

Eggs

$2.44 Rp 43.8K

$1.48 IQD 1,941

64.86%

Local Cheese (1kg)

$14.38 Rp 257.7K

$4.58 IQD 5,997

213.97%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$2.85 IQD 3,727

51.23%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$10.79 IQD 14.1K

13.16%

Apples (1kg)

$3.68 Rp 66.0K

$0.90 IQD 1,180

308.89%

Banana (1kg)

$1.55 Rp 27.8K

$1.02 IQD 1,334

51.96%

Oranges (1kg)

$2.79 Rp 49.9K

$0.99 IQD 1,296

181.82%

Tomato (1kg)

$2.33 Rp 41.8K

$0.64 IQD 843

264.06%

Potato (1kg)

$1.97 Rp 35.3K

$0.49 IQD 643

302.04%

Onion (1kg)

$2.31 Rp 41.4K

$0.50 IQD 651

362.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.63 IQD 830

68.25%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.31 IQD 401

135.48%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$1.86 IQD 2,440

76.34%

Wine (Bottle)

$22.79 Rp 408.4K

$13.54 IQD 17.7K

68.32%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.76 IQD 2,311

59.66%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$2.11 IQD 2,760

31.75%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.56 IQD 727

-48.21%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$31.66 IQD 41.5K

-74.54%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$2.93 IQD 3,832

-84.64%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$1.11 IQD 1,451

-59.46%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$7.64 IQD 10.0K

-18.32%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.53 IQD 697

60.38%

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

$26.0K Rp 465.4M

$20.4K IQD 26.7M

27.46%

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

$31.7K Rp 567.2M

$20.3K IQD 26.6M

56.09%

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

$80.8 Rp 1.4M

$52.7 IQD 69.0K

53.25%

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

$4.06 Rp 72.7K

$23.40 IQD 30.6K

-82.65%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$38.76 IQD 50.8K

-37.00%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$14.67 IQD 19.2K

565.78%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$17.09 IQD 22.4K

-62.26%

Cinema Ticket

$4.04 Rp 72.4K

$7.50 IQD 9,819

-46.13%

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

$304 Rp 5.4M

$58.8 IQD 77.0K

417.32%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$780 IQD 1.0M

749.14%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$28.28 IQD 37.0K

91.76%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$30.17 IQD 39.5K

28.54%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$23.14 IQD 30.3K

272.26%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$14.72 IQD 19.3K

420.86%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$73.8 IQD 96.7K

1235.32%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$109 IQD 142.1K

506.24%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$113 IQD 147.8K

2885.80%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$252 IQD 329.5K

720.89%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$866 IQD 1.1M

216.42%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$398 IQD 520.7K

460.17%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$631 IQD 826.1K

-74.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.67

134.22%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Kirkuk: June 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $73.8 in Kirkuk. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 286% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $26.00 in Kirkuk for a mid-range dinner for two. Groceries echo the gap at $297 vs $157 per month, with Kirkuk cheaper across the board.

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 Kirkuk: Cost of Living - Frequently Asked Questions

Kirkuk is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment. The 130% gap adds up to real monthly savings that compound significantly over time.

On paper, Kirkuk earns 286% 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: $986 in Ubud, Bali versus $73.8 in Kirkuk. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $58.8 in Kirkuk. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 89% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $609 in Kirkuk versus $1,404 in Ubud, Bali, a $1,500 budget is realistic in Kirkuk but tight or insufficient in Ubud, Bali. The gap between the two cities makes Kirkuk the clear choice for anyone on this budget.

For families, Kirkuk is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Kirkuk 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 Kirkuk gentler on the wallet – expenses run 130% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.