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

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $1,773 in Kouvola.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $2,820 in Kouvola.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $3,868 in Kouvola.

Living in Ubud, Bali costs roughly 20% less than in Kouvola, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 6% above, Kouvola 32% above.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$15.52 €13.37

-77.06%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$91.1 €78.4

-64.06%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$11.60 €9.99

-57.33%

Cappuccino

$2.71 Rp 48.6K

$4.88 €4.20

-44.47%

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

$1.34 Rp 24.1K

$2.52 €2.17

-46.83%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$1.91 €1.65

-63.35%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$8.01 €6.90

-63.55%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$8.15 €7.02

-51.41%

Milk (1 liter)

$1.81 Rp 32.4K

$1.22 €1.05

48.36%

White Bread (500g)

$2.52 Rp 45.1K

$2.48 €2.14

1.61%

Rice (white) (1kg)

$1.16 Rp 20.8K

$2.40 €2.07

-51.67%

Eggs

$2.46 Rp 44.1K

$3.22 €2.77

-23.60%

Local Cheese (1kg)

$14.71 Rp 263.7K

$8.54 €7.35

72.25%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$13.85 €11.93

-68.81%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

$20.92 €18.01

-41.97%

Apples (1kg)

$3.84 Rp 68.8K

$2.48 €2.13

54.84%

Banana (1kg)

$1.56 Rp 27.9K

$1.95 €1.68

-20.00%

Oranges (1kg)

$2.83 Rp 50.8K

$2.05 €1.76

38.05%

Tomato (1kg)

$2.33 Rp 41.7K

$4.03 €3.47

-42.18%

Potato (1kg)

$1.91 Rp 34.3K

$1.36 €1.17

40.44%

Onion (1kg)

$2.20 Rp 39.5K

$1.73 €1.49

27.17%

Lettuce (1 head)

$1.01 Rp 18.2K

$1.98 €1.70

-48.99%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$1.75 €1.50

-55.43%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$11.53 €9.93

-71.21%

Wine (Bottle)

$23.74 Rp 425.5K

$15.58 €13.42

52.37%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$3.17 €2.73

-11.99%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$3.59 €3.09

-20.33%

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$3.46 €2.98

-92.20%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$65.5 €56.4

-87.74%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$8.33 €7.17

-94.48%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$1.22 €1.05

-63.11%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$62.8 €54.1

-90.29%

Gasoline (1 liter)

$0.79 Rp 14.2K

$2.64 €2.27

-70.08%

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

$26.1K Rp 468.8M

$34.1K €29.3K

-23.22%

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

$32.1K Rp 575.8M

$37.1K €31.9K

-13.36%

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

$79.9 Rp 1.4M

$117 €101

-31.62%

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

$4.06 Rp 72.9K

$30.03 €25.86

-86.48%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$23.68 €20.39

-0.68%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$44.83 €38.61

120.17%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$24.39 €21.00

-72.82%

Cinema Ticket

$4.15 Rp 74.3K

$17.63 €15.18

-76.46%

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

$304 Rp 5.4M

$330 €284

-7.92%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$11.2K €9,663

-41.07%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$88.7 €76.4

-37.36%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$34.51 €29.72

11.01%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$92.3 €79.5

-4.03%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$123 €106

-36.94%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$774 €666

30.08%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$644 €555

4.86%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$1,320 €1,137

160.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$1,025 €883

98.97%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$3,686 €3,174

-22.92%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$2,186 €1,882

3.58%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.82

247.64%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Kouvola: May 30, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $774 in Kouvola. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $91.0 in Kouvola for a mid-range dinner for two. Groceries echo the gap at $302 vs $360 per month, with Ubud, Bali cheaper across the board.

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 Kouvola: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 25% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,129 in Ubud, Bali and $2,659 in Kouvola to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,006 in Ubud, Bali versus $774 in Kouvola. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $330 in Kouvola. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 19% higher in Kouvola. For households that cook at home regularly, that difference adds up over a month.

At $1,419 in Ubud, Bali versus $1,773 in Kouvola, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kouvola. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Kouvola, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Kouvola 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 Ubud, Bali gentler on the wallet – expenses run 25% less than in Kouvola. Beyond cost, consider language, visa policies, and how big the international community is in each city.