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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $964 in Kislovodsk.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $1,477 in Kislovodsk.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,990 in Kislovodsk.

Living in Ubud, Bali is roughly 46% more expensive than Kislovodsk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Kislovodsk is 28% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$9.43 ₽684

-62.14%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$38.53 ₽2,792

-15.65%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$5.88 ₽426

-17.35%

Cappuccino

$2.75 Rp 49.2K

$2.29 ₽166

20.09%

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

$1.32 Rp 23.7K

$1.07 ₽77.8

23.36%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.52 ₽37.87

34.62%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.43 ₽104

103.50%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.60 ₽188

45.77%

Milk (1 liter)

$1.71 Rp 30.6K

$1.12 ₽80.9

52.68%

White Bread (500g)

$2.47 Rp 44.3K

$0.70 ₽50.4

252.86%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.38 ₽100

-13.04%

Eggs

$2.44 Rp 43.8K

$1.71 ₽124

42.69%

Local Cheese (1kg)

$14.38 Rp 257.7K

$10.69 ₽775

34.52%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$4.88 ₽354

-11.68%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$8.75 ₽634

39.54%

Apples (1kg)

$3.68 Rp 66.0K

$1.74 ₽126

111.49%

Banana (1kg)

$1.55 Rp 27.8K

$1.82 ₽132

-14.84%

Oranges (1kg)

$2.79 Rp 49.9K

$1.91 ₽138

46.07%

Tomato (1kg)

$2.33 Rp 41.8K

$2.65 ₽192

-12.08%

Potato (1kg)

$1.97 Rp 35.3K

$0.79 ₽56.9

149.37%

Onion (1kg)

$2.31 Rp 41.4K

$0.67 ₽48.89

244.78%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.34 ₽97.3

-20.90%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.66 ₽47.94

10.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$3.02 ₽219

8.61%

Wine (Bottle)

$22.79 Rp 408.4K

$7.32 ₽531

211.34%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.00 ₽72.8

181.00%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.88 ₽136

47.87%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.49 ₽35.29

-40.82%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$1.86 ₽135

-75.81%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.32 ₽23.43

40.63%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$6.33 ₽459

-1.42%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.78 ₽56.4

8.97%

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

$26.0K Rp 465.4M

$33.7K ₽2.4M

-22.92%

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

$31.7K Rp 567.2M

$36.1K ₽2.6M

-12.24%

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

$80.8 Rp 1.4M

$109 ₽7,898

-25.92%

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

$4.06 Rp 72.7K

$6.07 ₽440

-33.11%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$7.67 ₽556

218.38%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$36.10 ₽2,616

170.55%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$4.04 Rp 72.4K

$5.18 ₽375

-22.01%

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

$304 Rp 5.4M

$329 ₽23.8K

-7.60%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$7,048 ₽510.7K

-6.06%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$70.8 ₽5,129

-23.39%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$43.72 ₽3,168

-11.30%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$112 ₽8,124

-23.17%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$108 ₽7,855

-29.27%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$441 ₽31.9K

123.69%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$304 ₽22.0K

116.78%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$747 ₽54.1K

350.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$503 ₽36.5K

310.35%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$2,445 ₽177.1K

12.14%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$1,637 ₽118.7K

36.04%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$847 ₽61.4K

-80.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

15.33

-13.37%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Kislovodsk: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $441 in Kislovodsk. Housing cost is often the main lever when comparing two cities.

Kislovodsk pays 418% 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 $39.00 in Kislovodsk. Groceries flip the comparison at $297 vs $194, with Kislovodsk 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 Kislovodsk: Cost of Living - Frequently Asked Questions

Kislovodsk is cheaper overall, especially in Groceries & Markets, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 46% gap adds up to real monthly savings that compound significantly over time.

On paper, Kislovodsk earns 418% 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 $441 in Kislovodsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,404 per month in Ubud, Bali versus $964 in Kislovodsk – a 46% gap that adds up to real savings over time for anyone picking the cheaper option.

At $964 in Kislovodsk versus $1,404 in Ubud, Bali, a $1,500 budget is realistic in Kislovodsk but tight or insufficient in Ubud, Bali. The gap between the two cities makes Kislovodsk the clear choice for anyone on this budget.

For families, Kislovodsk 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 Kislovodsk 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 Kislovodsk gentler on the wallet – expenses run 46% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.