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

Monthly Cost of Living

A single person spends $1,374 per month in Ubud, Bali vs $1,248 in Kocaeli, rent included.

A couple spends around $2,313 per month in Ubud, Bali vs $1,777 in Kocaeli, rent included.

A family of three spends $3,252 per month in Ubud, Bali vs $2,305 in Kocaeli, rent included.

Ubud, Bali costs about 10% more than Kocaeli, driven mainly by Getting Around.

Ubud, Bali sits 2% above the global median, while Kocaeli is 8% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.32 Rp 59.4K

$8.25 ₺404

-59.76%

Three-Course Dinner for Two, Mid-Range

$35.33 Rp 631.4K

$30.08 ₺1,475

17.45%

Fast Food Meal (McDonalds, etc)

$5.33 Rp 95.3K

$7.82 ₺383

-31.84%

Cappuccino

$2.75 Rp 49.2K

$3.51 ₺172

-21.65%

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

$1.73 Rp 30.9K

$1.08 ₺53.2

60.19%

Water (0.33 liter bottle)

$0.80 Rp 14.3K

$0.35 ₺17.07

128.57%

Local Beer (0.5 liter draught)

$2.95 Rp 52.7K

$2.73 ₺134

8.06%

Imported Beer (0.33 liter bottle)

$4.44 Rp 79.3K

$2.79 ₺137

59.14%

Milk (1 liter)

$1.50 Rp 26.8K

$0.86 ₺41.92

74.42%

White Bread (500g)

$2.30 Rp 41.1K

$0.86 ₺42.25

167.44%

Rice (white) (1kg)

$1.10 Rp 19.6K

$2.67 ₺131

-58.80%

Eggs

$2.16 Rp 38.6K

$2.68 ₺131

-19.40%

Local Cheese (1kg)

$17.09 Rp 305.4K

$9.97 ₺489

71.41%

Chicken Fillets (1kg)

$3.88 Rp 69.3K

$4.03 ₺197

-3.72%

Beef Round Steak (1kg)

$11.92 Rp 213.0K

$20.35 ₺998

-41.43%

Apples (1kg)

$3.57 Rp 63.7K

$1.74 ₺85.4

105.17%

Banana (1kg)

$1.58 Rp 28.3K

$2.00 ₺98.1

-21.00%

Oranges (1kg)

$2.36 Rp 42.2K

$1.04 ₺51.0

126.92%

Tomato (1kg)

$1.97 Rp 35.1K

$1.18 ₺57.9

66.95%

Potato (1kg)

$1.81 Rp 32.3K

$0.49 ₺24.25

269.39%

Onion (1kg)

$2.39 Rp 42.7K

$0.40 ₺19.77

497.50%

Lettuce (1 head)

$1.02 Rp 18.2K

$0.76 ₺37.49

34.21%

Water (1.5 liter bottle)

$0.49 Rp 8,782

$0.61 ₺29.84

-19.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 40.1K

$2.29 ₺112

-1.75%

Wine (Bottle)

$22.30 Rp 398.5K

$8.04 ₺394

177.36%

Local Beer (0.5 liter bottle)

$2.37 Rp 42.3K

$2.30 ₺113

3.04%

Imported Beer (0.33 liter bottle)

$2.90 Rp 51.7K

$2.23 ₺109

30.04%

One-way Ticket (Public Transport)

$0.25 Rp 4,452

$0.74 ₺36.31

-66.22%

Public Transport Monthly Pass (Regular Price)

$8.55 Rp 152.8K

$74.7 ₺3,663

-88.56%

Taxi Start (Normal Tariff)

$0.44 Rp 7,897

$1.00 ₺48.95

-56.00%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,547

Taxi 1hour Waiting (Normal Tariff)

$5.66 Rp 101.2K

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.22 ₺59.7

-33.61%

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

$23.7K Rp 424.2M

$41.3K ₺2.0M

-42.51%

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

$31.0K Rp 553.6M

$40.5K ₺2.0M

-23.46%

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

$82.3 Rp 1.5M

$80.4 ₺3,942

2.35%

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

$6.30 Rp 112.6K

$11.79 ₺578

-46.56%

Internet (50+ Mbps, Unlimited Data)

$18.63 Rp 333.0K

$12.93 ₺634

44.08%

Gym Membership (Monthly)

$54.7 Rp 978.1K

$54.6 ₺2,675

0.31%

Tennis Court (1 Hour on Weekend)

$18.45 Rp 329.7K

$4.15 ₺204

344.58%

Cinema Ticket

$4.24 Rp 75.8K

$5.25 ₺257

-19.24%

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

$484 Rp 8.7M

$457 ₺22.4K

6.01%

International Primary School, 1 Child (Yearly)

$5,590 Rp 99.9M

$6,072 ₺297.6K

-7.93%

Jeans (Levis 501 Or Similar)

$45.77 Rp 818.0K

$48.47 ₺2,376

-5.57%

Summer Dress (H&M, Zara, etc)

$35.69 Rp 637.9K

$53.9 ₺2,640

-33.74%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$121 ₺5,923

-35.21%

Men's Leather Business Shoes

$80.1 Rp 1.4M

$102 ₺5,001

-21.46%

1-bedroom Apartment, City Center (Monthly)

$1,147 Rp 20.5M

$781 ₺38.3K

46.71%

1-bedroom Apartment, Outside City Center (Monthly)

$678 Rp 12.1M

$485 ₺23.8K

39.75%

3-bedroom Apartment, City Center (Monthly)

$3,504 Rp 62.6M

$1,203 ₺59.0K

191.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,688 Rp 30.2M

$589 ₺28.9K

186.66%

Buy Apartment in City Center (m2)

$2,788 Rp 49.8M

$1,031 ₺50.5K

170.55%

Buy Apartment Outside City Center (m2)

$2,257 Rp 40.3M

$810 ₺39.7K

178.52%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

$1,206 ₺59.1K

-86.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-66.39%

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

Last update for Ubud, Bali: September 28, 2026

Last update for Kocaeli: September 28, 2026

Cost Breakdown

A central one-bedroom costs $1,147 in Ubud, Bali versus $781 in Kocaeli. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 631% higher in Kocaeli, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $30.00 in Kocaeli. Monthly groceries follow the same trend: $286 vs $225 – making Kocaeli the more affordable choice for daily food spending.

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 Kocaeli: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 10% more than Kocaeli, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,062 per month in Ubud, Bali and $1,872 in Kocaeli. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kocaeli, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,374 in Ubud, Bali and $1,248 in Kocaeli. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 774% less in Kocaeli. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Kocaeli, where all-in costs run around $1,248, than in Ubud, Bali at $1,374. In Kocaeli it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kocaeli costs $1,248 versus $1,374 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kocaeli. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.