Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kirkuk

For one person, living is cheaper in Kirkuk: $540 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
26

Cost of Living Index in Kirkuk
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Kirkuk Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Kirkuk

🇮🇶 Iraq

$540

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $540 in Kirkuk.

Ubud, Bali $1,368
Kirkuk $540

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $868 in Kirkuk.

Ubud, Bali $2,314
Kirkuk $868

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,197 in Kirkuk.

Ubud, Bali $3,260
Kirkuk $1,197

Living in Ubud, Bali is roughly 153% more expensive than in Kirkuk, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Kirkuk is 60% below.

Meal at Budget Restaurant

$3.33 Rp 59.8K

$3.58 IQD 5,403

-6.98%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 631.2K

$23.24 IQD 35.1K

51.38%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.1K

$5.40 IQD 8,162

7.41%

Cappuccino

$2.73 Rp 49.0K

$2.46 IQD 3,716

10.98%

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

$1.64 Rp 29.4K

$0.36 IQD 537

355.56%

Water (0.33 liter bottle)

$0.83 Rp 14.9K

$0.16 IQD 238

418.75%

Local Beer (0.5 liter draught)

$2.70 Rp 48.4K

$2.62 IQD 3,963

3.05%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.1K

$3.37 IQD 5,087

27.60%

Milk (1 liter)

$1.50 Rp 27.0K

$0.95 IQD 1,433

57.89%

White Bread (500g)

$2.30 Rp 41.2K

$0.60 IQD 911

283.33%

Rice (white) (1kg)

$1.18 Rp 21.1K

$1.31 IQD 1,984

-9.92%

Eggs

$2.14 Rp 38.5K

$1.27 IQD 1,915

68.50%

Local Cheese (1kg)

$17.48 Rp 313.6K

$3.42 IQD 5,160

411.11%

Chicken Fillets (1kg)

$4.03 Rp 72.3K

$3.13 IQD 4,735

28.75%

Beef Round Steak (1kg)

$12.23 Rp 219.4K

$11.18 IQD 16.9K

9.39%

Apples (1kg)

$3.55 Rp 63.7K

$0.79 IQD 1,198

349.37%

Banana (1kg)

$1.57 Rp 28.2K

$0.83 IQD 1,254

89.16%

Oranges (1kg)

$2.24 Rp 40.1K

$0.80 IQD 1,209

180.00%

Tomato (1kg)

$1.93 Rp 34.6K

$0.60 IQD 906

221.67%

Potato (1kg)

$1.88 Rp 33.8K

$0.48 IQD 730

291.67%

Onion (1kg)

$2.29 Rp 41.1K

$0.48 IQD 730

377.08%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.57 IQD 854

73.68%

Water (1.5 liter bottle)

$0.53 Rp 9,445

$0.32 IQD 477

65.63%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.0K

$1.61 IQD 2,430

41.61%

Wine (Bottle)

$23.01 Rp 412.9K

$11.55 IQD 17.4K

99.22%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.0K

$1.29 IQD 1,950

81.40%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.2K

$1.61 IQD 2,434

80.75%

One-way Ticket (Public Transport)

$0.24 Rp 4,301

$0.32 IQD 482

-25.00%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.2K

$20.32 IQD 30.7K

-56.59%

Taxi Start (Normal Tariff)

$0.48 Rp 8,657

$2.01 IQD 3,034

-76.12%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,207

$1.34 IQD 2,028

-65.67%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.9K

$6.42 IQD 9,693

-15.11%

Gasoline (1 liter)

$0.88 Rp 15.9K

$0.47 IQD 712

87.23%

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

$24.6K Rp 440.8M

$16.7K IQD 25.3M

46.72%

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

$31.2K Rp 559.6M

$16.4K IQD 24.8M

89.70%

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

$83.0 Rp 1.5M

$51.6 IQD 78.0K

60.81%

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

$6.45 Rp 115.7K

$17.64 IQD 26.6K

-63.44%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 333.1K

$36.97 IQD 55.9K

-49.77%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$9.82 IQD 14.8K

468.43%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.9K

Cinema Ticket

$4.38 Rp 78.6K

$9.80 IQD 14.8K

-55.31%

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

$493 Rp 8.8M

$143 IQD 215.9K

245.06%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.2M

$2,984 IQD 4.5M

92.84%

Jeans (Levis 501 Or Similar)

$46.19 Rp 828.8K

$25.27 IQD 38.2K

82.79%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 634.0K

$16.32 IQD 24.7K

116.48%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$58.3 IQD 88.1K

35.61%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$29.54 IQD 44.6K

165.37%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.5M

$162 IQD 245.2K

603.94%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.1M

$78.1 IQD 118.1K

764.78%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 62.9M

$198 IQD 299.8K

1665.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.5M

$201 IQD 304.3K

743.92%

Buy Apartment in City Center (m2)

$2,784 Rp 50.0M

$490 IQD 740.7K

467.93%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.2M

$259 IQD 391.8K

764.03%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$379 IQD 572.3K

-56.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.12

234.47%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Kirkuk: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Kirkuk

$78 14.5% 88.4% $598

Groceries & Markets

Ubud, Bali

$290 21.2%

Kirkuk

$142 26.2% 51.2% $149

Eating Out

Ubud, Bali

$109 8%

Kirkuk

$96 17.8% 11.5% $13

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Kirkuk

$106 19.7% 1.7% $1.8

Clothing & Footwear

Ubud, Bali

$108 7.9%

Kirkuk

$58 10.8% 45.8% $49

Sport & Entertainment

Ubud, Bali

$65 4.7%

Kirkuk

$29 5.4% 54.4% $35

Getting Around

Ubud, Bali

$13 0.9%

Kirkuk

$30 5.6% 142% $18

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $162 in Kirkuk. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 130% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $23.00 in Kirkuk for a mid-range dinner for two. Groceries echo the gap at $290 vs $142 per month, with Kirkuk cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Kirkuk

🕒 Local time

15:09 3:09 PM

10:09 10:09 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

850,787

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.57 USD

100,000 IDR = 4.95 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.88 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,204 IDR (100,000 IDR = 4.95 EUR).

Iraqi Dinar exchange rates as of October 17, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,701 IQD (10,000 IQD = 5.88 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Kirkuk 8,870 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Kirkuk

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 Kirkuk: Cost of Living - Frequently Asked Questions

Kirkuk is cheaper overall, especially in groceries, eating out, and clothing. The 153% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 130% lower in Kirkuk. 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: $1,142 in Ubud, Bali versus $162 in Kirkuk. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $143 in Kirkuk. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 105% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $540 in Kirkuk versus $1,368 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 153% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.