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

Monthly Cost of Living

A single person spends $1,419 per month in Ubud, Bali vs $1,896 in Kotka, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $2,750 in Kotka, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $3,604 in Kotka, rent included.

Ubud, Bali is about 25% cheaper than Kotka, driven mainly by Eating Out.

Both Ubud, Bali and Kotka sit above the global median – Ubud, Bali by 6%, Kotka by 41%.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$12.69 €10.93

-71.95%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$54.2 €46.65

-39.59%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$10.00 €8.61

-50.50%

Cappuccino

$2.71 Rp 48.6K

$4.10 €3.53

-33.90%

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

$1.34 Rp 24.1K

$2.05 €1.77

-34.63%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$1.61 €1.39

-56.52%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$5.64 €4.85

-48.23%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$3.50 €3.02

13.14%

Milk (1 liter)

$1.81 Rp 32.4K

$1.27 €1.10

42.52%

White Bread (500g)

$2.52 Rp 45.1K

$2.27 €1.96

11.01%

Rice (white) (1kg)

$1.16 Rp 20.8K

$2.33 €2.01

-50.21%

Eggs

$2.46 Rp 44.1K

$2.82 €2.43

-12.77%

Local Cheese (1kg)

$14.71 Rp 263.7K

$8.48 €7.30

73.47%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$13.79 €11.87

-68.67%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

$20.77 €17.88

-41.55%

Apples (1kg)

$3.84 Rp 68.8K

$1.99 €1.72

92.96%

Banana (1kg)

$1.56 Rp 27.9K

$1.95 €1.68

-20.00%

Oranges (1kg)

$2.83 Rp 50.8K

$2.40 €2.07

17.92%

Tomato (1kg)

$2.33 Rp 41.7K

$4.80 €4.13

-51.46%

Potato (1kg)

$1.91 Rp 34.3K

$1.45 €1.25

31.72%

Onion (1kg)

$2.20 Rp 39.5K

$1.82 €1.57

20.88%

Lettuce (1 head)

$1.01 Rp 18.2K

$1.75 €1.51

-42.29%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$1.39 €1.20

-43.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$10.37 €8.93

-67.98%

Wine (Bottle)

$23.74 Rp 425.5K

$16.67 €14.35

42.41%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$3.18 €2.74

-12.26%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$3.56 €3.06

-19.66%

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$5.95 €5.12

-95.46%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$58.6 €50.5

-86.30%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$7.91 €6.81

-94.18%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$1.28 €1.10

-64.84%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$53.0 €45.64

-88.49%

Gasoline (1 liter)

$0.79 Rp 14.2K

$2.01 €1.73

-60.70%

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

$26.1K Rp 468.8M

$31.8K €27.3K

-17.66%

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

$32.1K Rp 575.8M

$32.6K €28.1K

-1.59%

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

$79.9 Rp 1.4M

$268 €231

-70.18%

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

$4.06 Rp 72.9K

$31.54 €27.16

-87.13%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$19.58 €16.86

20.12%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$43.63 €37.57

126.22%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$24.00 €20.67

-72.38%

Cinema Ticket

$4.15 Rp 74.3K

$15.49 €13.33

-73.21%

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

$304 Rp 5.4M

$328 €282

-7.31%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$11.4K €9,827

-42.05%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$108 €93.1

-48.63%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$13.65 €11.75

180.66%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$86.7 €74.7

2.17%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$103 €88.6

-24.30%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$764 €658

31.79%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$641 €552

5.43%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$1,313 €1,131

162.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$1,057 €910

92.93%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$2,279 €1,962

24.68%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$1,447 €1,246

56.42%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$3,219 €2,772

-94.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.4

290.59%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Kotka: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $764 in Kotka. 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 1848% higher in Kotka, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $33.00 in Ubud, Bali versus $54.0 in Kotka. Monthly groceries follow the same trend: $302 vs $356 – making Ubud, Bali 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 Kotka: Cost of Living - Frequently Asked Questions

Yes – Kotka is pricier by about 34%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $2,844 in Kotka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $33.00 in Ubud, Bali and $54.0 in Kotka. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,419 in Ubud, Bali and $1,896 in Kotka. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,419, than in Kotka at $1,896. In Ubud, Bali it covers expenses comfortably, while in Kotka it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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