Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kotka

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,652 in Kotka, rent and utilities included – about $3,600 less a year. The total is higher in Kotka despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
79

Cost of Living Index in Kotka
Learn more

Kotka Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Kotka

🇫🇮 Finland

$1,652

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Kotka

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Kotka actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $1,652 in Kotka, rent included.

Ubud, Bali $1,349
Kotka $1,652

A couple spends around $2,305 per month in Ubud, Bali vs $2,550 in Kotka, rent included.

Ubud, Bali $2,305
Kotka $2,550

A family of three spends $3,261 per month in Ubud, Bali vs $3,449 in Kotka, rent included.

Ubud, Bali $3,261
Kotka $3,449

Ubud, Bali is about 18% cheaper than Kotka, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$16.39 €14.68

-79.74%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$79.4 €71.2

-55.14%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$11.11 €9.95

-50.23%

Cappuccino

$2.72 Rp 49.3K

$4.50 €4.03

-39.56%

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

$1.70 Rp 30.8K

$1.84 €1.65

-7.61%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.26 €1.13

-39.68%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$6.87 €6.15

-61.43%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$9.80 €8.78

-55.31%

Milk (1 liter)

$1.49 Rp 27.0K

$1.02 €0.92

46.08%

White Bread (500g)

$2.28 Rp 41.2K

$2.19 €1.96

4.11%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.67 €2.39

-55.43%

Eggs

$2.04 Rp 36.9K

$2.91 €2.60

-29.90%

Local Cheese (1kg)

$17.70 Rp 320.8K

$7.93 €7.11

123.20%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$12.34 €11.06

-67.91%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$18.70 €16.75

-34.81%

Apples (1kg)

$3.66 Rp 66.2K

$2.68 €2.40

36.57%

Banana (1kg)

$1.52 Rp 27.5K

$2.09 €1.87

-27.27%

Oranges (1kg)

$2.23 Rp 40.4K

$2.23 €2.00

Tomato (1kg)

$1.97 Rp 35.7K

$4.29 €3.85

-54.08%

Potato (1kg)

$1.85 Rp 33.5K

$1.15 €1.03

60.87%

Onion (1kg)

$2.42 Rp 43.9K

$1.59 €1.43

52.20%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.95 €1.75

-49.23%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$1.14 €1.02

-55.26%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$10.49 €9.40

-78.84%

Wine (Bottle)

$22.24 Rp 403.0K

$15.40 €13.79

44.42%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.97 €1.76

14.72%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.82 €2.53

5.32%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$4.29 €3.84

-94.17%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$57.3 €51.3

-86.35%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$6.24 €5.59

-92.95%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.47 €1.31

-70.75%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$65.6 €58.7

-91.75%

Gasoline (1 liter)

$0.82 Rp 14.9K

$2.03 €1.82

-59.61%

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

$23.8K Rp 432.0M

$36.4K €32.6K

-34.58%

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

$31.7K Rp 575.3M

$36.6K €32.8K

-13.32%

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

$79.1 Rp 1.4M

$135 €121

-41.49%

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

$6.45 Rp 116.8K

$28.69 €25.69

-77.52%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$22.34 €20.01

-16.83%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$39.96 €35.79

23.82%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$18.16 €16.27

-2.81%

Cinema Ticket

$4.27 Rp 77.4K

$15.97 €14.30

-73.26%

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

$491 Rp 8.9M

$314 €281

56.23%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$7,394 €6,622

-23.26%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$92.8 €83.1

-51.91%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$41.07 €36.78

-14.90%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$103 €92.6

-22.73%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$45.34 €40.60

75.17%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$682 €611

65.00%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$567 €508

18.34%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,161 €1,040

206.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$886 €794

94.48%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,180 €1,953

25.28%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,396 €1,251

63.56%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,170 €2,839

-94.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.2

330.62%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Kotka: October 24, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Ubud, Bali

$672 49.8%

Kotka

$567 34.3% 15.5% $104

Groceries & Markets

Ubud, Bali

$288 21.4%

Kotka

$327 19.8% 13.3% $38

Eating Out

Ubud, Bali

$108 8%

Kotka

$285 17.2% 164% $177

Clothing & Footwear

Ubud, Bali

$108 8%

Kotka

$127 7.7% 18.3% $20

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Kotka

$186 11.3% 78.9% $82

Sport & Entertainment

Ubud, Bali

$58 4.3%

Kotka

$72 4.4% 23.9% $14

Getting Around

Ubud, Bali

$11 0.9%

Kotka

$88 5.3% 671% $77

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $682 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 in Kotka are about 19 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $79 in Kotka. Monthly groceries follow the same trend: $288 vs $327 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Kotka

🕒 Local time

12:55 12:55 PM

06:55 6:55 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

50,488

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kotka 10,740 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kotka

Distances are measured in a straight line. Your location is detected approximately.

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 23%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $2,478 in Kotka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kotka, especially for central apartments: a one-bedroom in the center costs $682 there versus $1,125 in Ubud, Bali.

A mid-range dinner for two costs $36 in Ubud, Bali and $79 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 $1,349 in Ubud, Bali and $1,652 in Kotka. That makes Ubud, Bali about 18% cheaper.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,652 in Kotka. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,652 in Kotka. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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