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: $1,438 in Ubud, Bali versus $591 in Kirkuk.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $947 in Kirkuk.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,303 in Kirkuk.

Living in Ubud, Bali is roughly 144% more expensive than Kirkuk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Kirkuk is 56% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$3.74 IQD 4,904

-4.55%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$25.51 IQD 33.4K

27.71%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$5.59 IQD 7,322

-9.30%

Cappuccino

$2.83 Rp 49.0K

$2.26 IQD 2,967

25.22%

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

$1.34 Rp 23.2K

$0.36 IQD 478

272.22%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.21 IQD 269

228.57%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$3.38 IQD 4,431

-11.54%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.89 IQD 3,780

33.22%

Milk (1 liter)

$1.74 Rp 30.2K

$1.15 IQD 1,506

51.30%

White Bread (500g)

$2.54 Rp 44.0K

$0.61 IQD 804

316.39%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.58 IQD 2,066

-24.68%

Eggs

$2.43 Rp 42.0K

$1.45 IQD 1,896

67.59%

Local Cheese (1kg)

$14.66 Rp 254.1K

$4.37 IQD 5,722

235.47%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$2.84 IQD 3,714

47.18%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$11.15 IQD 14.6K

7.09%

Apples (1kg)

$3.69 Rp 63.9K

$0.92 IQD 1,205

301.09%

Banana (1kg)

$1.61 Rp 27.8K

$1.07 IQD 1,397

50.47%

Oranges (1kg)

$2.69 Rp 46.5K

$1.03 IQD 1,347

161.17%

Tomato (1kg)

$2.33 Rp 40.4K

$0.59 IQD 777

294.92%

Potato (1kg)

$1.91 Rp 33.0K

$0.50 IQD 653

282.00%

Onion (1kg)

$2.19 Rp 37.9K

$0.50 IQD 661

338.00%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.63 IQD 827

68.25%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.33 IQD 434

118.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$1.86 IQD 2,439

68.28%

Wine (Bottle)

$23.49 Rp 407.1K

$13.35 IQD 17.5K

75.96%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.83 IQD 2,394

49.73%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.11 IQD 2,763

36.49%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.53 IQD 692

-45.28%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$31.69 IQD 41.5K

-74.22%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$2.92 IQD 3,822

-84.59%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$1.15 IQD 1,509

-63.48%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$7.69 IQD 10.1K

-19.90%

Gasoline (1 liter)

$0.84 Rp 14.6K

$0.54 IQD 707

55.56%

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

$26.2K Rp 454.9M

$20.4K IQD 26.7M

28.89%

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

$32.5K Rp 562.9M

$20.2K IQD 26.4M

61.11%

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

$78.4 Rp 1.4M

$53.3 IQD 69.8K

47.13%

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

$3.95 Rp 68.5K

$22.83 IQD 29.9K

-82.70%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$38.06 IQD 49.9K

-35.89%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$14.76 IQD 19.3K

554.07%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$16.50 IQD 21.6K

-61.52%

Cinema Ticket

$4.04 Rp 70.0K

$7.66 IQD 10.0K

-47.26%

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

$303 Rp 5.2M

$58.0 IQD 76.0K

421.96%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$788 IQD 1.0M

728.23%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$28.59 IQD 37.5K

88.32%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$30.57 IQD 40.0K

24.24%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$23.18 IQD 30.4K

274.29%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$15.28 IQD 20.0K

416.10%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$73.9 IQD 96.8K

1269.90%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$108 IQD 141.7K

523.45%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$116 IQD 152.2K

2817.19%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$249 IQD 325.6K

744.24%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$887 IQD 1.2M

236.34%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$406 IQD 531.4K

476.66%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$636 IQD 833.0K

-72.77%

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: April 28, 2026

Last update for Kirkuk: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $73.9 in Kirkuk. Housing cost is often the main lever when comparing two cities.

Kirkuk pays 267% 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 $298 vs $158 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 144% gap adds up to real monthly savings that compound significantly over time.

On paper, Kirkuk earns 267% 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: $1,012 in Ubud, Bali versus $73.9 in Kirkuk. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $58.0 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 $591 in Kirkuk versus $1,438 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 144% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.