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: $1,378 in Ubud, Bali versus $995 in Kislovodsk.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $1,569 in Kislovodsk.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $2,142 in Kislovodsk.

Living in Ubud, Bali is roughly 38% more expensive than in Kislovodsk, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Kislovodsk is 28% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$10.59 ₽893

-68.56%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$36.54 ₽3,082

-1.97%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$6.63 ₽559

-15.08%

Cappuccino

$2.82 Rp 49.7K

$2.59 ₽219

8.88%

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

$1.75 Rp 30.8K

$1.10 ₽92.8

59.09%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.55 ₽46.64

45.45%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.73 ₽146

75.72%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$3.21 ₽270

33.96%

Milk (1 liter)

$1.61 Rp 28.3K

$1.12 ₽94.7

43.75%

White Bread (500g)

$2.27 Rp 39.9K

$0.76 ₽64.2

198.68%

Rice (white) (1kg)

$1.17 Rp 20.6K

$1.29 ₽109

-9.30%

Eggs

$2.17 Rp 38.2K

$1.42 ₽120

52.82%

Local Cheese (1kg)

$17.63 Rp 310.5K

$11.02 ₽930

59.98%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$4.96 ₽418

-18.35%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$10.35 ₽873

17.68%

Apples (1kg)

$3.62 Rp 63.7K

$1.68 ₽142

115.48%

Banana (1kg)

$1.64 Rp 28.8K

$2.00 ₽169

-18.00%

Oranges (1kg)

$2.31 Rp 40.6K

$1.84 ₽155

25.54%

Tomato (1kg)

$1.96 Rp 34.5K

$2.67 ₽225

-26.59%

Potato (1kg)

$1.84 Rp 32.5K

$0.74 ₽62.8

148.65%

Onion (1kg)

$2.37 Rp 41.7K

$0.57 ₽48.19

315.79%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.47 ₽124

-28.57%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.80 ₽67.2

-32.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$2.84 ₽239

-19.01%

Wine (Bottle)

$23.08 Rp 406.4K

$7.32 ₽617

215.30%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$0.98 ₽82.3

138.78%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.03 ₽172

51.23%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.53 ₽44.43

-52.83%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$20.99 ₽1,771

-55.12%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$2.60 ₽220

-81.15%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.30 ₽24.91

56.67%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$5.38 ₽454

4.09%

Gasoline (1 liter)

$0.81 Rp 14.2K

$0.78 ₽66.2

3.85%

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

$25.0K Rp 440.3M

$27.9K ₽2.4M

-10.28%

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

$31.1K Rp 547.0M

$28.7K ₽2.4M

8.16%

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

$82.7 Rp 1.5M

$99.3 ₽8,374

-16.66%

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

$6.49 Rp 114.2K

$6.44 ₽543

0.78%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$7.43 ₽627

152.89%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$34.62 ₽2,921

59.56%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$23.33 ₽1,968

-21.95%

Cinema Ticket

$4.30 Rp 75.7K

$5.43 ₽458

-20.81%

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

$494 Rp 8.7M

$316 ₽26.6K

56.45%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$6,021 ₽508.0K

-1.73%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$70.9 ₽5,980

-34.71%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$48.63 ₽4,102

-25.07%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$127 ₽10.7K

-36.49%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$96.7 ₽8,155

-18.49%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$519 ₽43.8K

114.61%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$307 ₽25.9K

125.80%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$770 ₽65.0K

372.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$526 ₽44.3K

225.75%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$2,222 ₽187.4K

24.24%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,454 ₽122.6K

57.72%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$725 ₽61.2K

-76.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-34.38%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Kislovodsk: September 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $519 in Kislovodsk. Housing cost is often the main lever when comparing two cities.

Kislovodsk pays 334% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $37.00 in Kislovodsk. Groceries flip the comparison at $294 vs $202, 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. The 38% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 334% lower in Kislovodsk. 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: $1,114 in Ubud, Bali versus $519 in Kislovodsk. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 45% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Kislovodsk – a meal for two runs $37.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $995 in Kislovodsk versus $1,378 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 38% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.