Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kouvola

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,812 in Kouvola, rent and utilities included – about $5,600 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
88

Cost of Living Index in Kouvola
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Kouvola Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Kouvola

🇫🇮 Finland

$1,812

/mo nomad

Monthly Cost of Living

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

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 Kouvola actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,812 in Kouvola.

Ubud, Bali $1,349
Kouvola $1,812

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,795 in Kouvola.

Ubud, Bali $2,305
Kouvola $2,795

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,778 in Kouvola.

Ubud, Bali $3,261
Kouvola $3,778

Living in Ubud, Bali costs roughly 26% less than in Kouvola, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$14.63 €13.13

-77.31%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.0K

$93.9 €84.2

-62.04%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$11.74 €10.53

-52.90%

Cappuccino

$2.72 Rp 49.3K

$5.40 €4.84

-49.63%

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

$1.70 Rp 30.8K

$2.64 €2.37

-35.61%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.22 €1.99

-65.77%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$7.65 €6.87

-65.36%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$9.59 €8.61

-54.33%

Milk (1 liter)

$1.49 Rp 27.0K

$1.47 €1.32

1.36%

White Bread (500g)

$2.28 Rp 41.3K

$2.39 €2.14

-4.60%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.58 €2.32

-53.88%

Eggs

$2.04 Rp 36.9K

$2.92 €2.62

-30.14%

Local Cheese (1kg)

$17.70 Rp 320.8K

$9.30 €8.34

90.32%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$13.62 €12.22

-70.93%

Beef Round Steak (1kg)

$12.19 Rp 221.0K

$21.77 €19.53

-44.01%

Apples (1kg)

$3.66 Rp 66.3K

$2.33 €2.09

57.08%

Banana (1kg)

$1.52 Rp 27.5K

$2.23 €2.00

-31.84%

Oranges (1kg)

$2.23 Rp 40.4K

$2.05 €1.84

8.78%

Tomato (1kg)

$1.97 Rp 35.8K

$3.89 €3.49

-49.36%

Potato (1kg)

$1.85 Rp 33.5K

$1.18 €1.05

56.78%

Onion (1kg)

$2.42 Rp 43.9K

$1.76 €1.58

37.50%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.07 €1.86

-52.17%

Water (1.5 liter bottle)

$0.51 Rp 9,306

$1.51 €1.35

-66.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$13.21 €11.85

-83.19%

Wine (Bottle)

$22.24 Rp 403.1K

$11.87 €10.65

87.36%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.18 €2.85

-28.93%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$3.48 €3.12

-14.66%

One-way Ticket (Public Transport)

$0.25 Rp 4,550

$3.30 €2.96

-92.42%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$62.9 €56.5

-87.57%

Taxi Start (Normal Tariff)

$0.44 Rp 7,967

$7.55 €6.77

-94.17%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,796

$1.22 €1.10

-64.75%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$65.1 €58.4

-91.68%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.45 €2.20

-66.53%

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

$23.8K Rp 432.1M

$37.4K €33.6K

-36.32%

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

$31.7K Rp 575.5M

$41.1K €36.9K

-22.76%

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

$79.1 Rp 1.4M

$133 €119

-40.54%

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

$6.45 Rp 116.8K

$24.15 €21.67

-73.29%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$24.60 €22.07

-24.47%

Gym Membership (Monthly)

$49.48 Rp 896.9K

$36.38 €32.64

36.01%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.9K

$21.13 €18.96

-16.47%

Cinema Ticket

$4.27 Rp 77.5K

$18.02 €16.17

-76.30%

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

$491 Rp 8.9M

$421 €378

16.39%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$10.8K €9,686

-47.44%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.1K

$91.6 €82.2

-51.26%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.5K

$44.48 €39.91

-21.43%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$112 €101

-28.78%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$143 €128

-44.48%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$781 €701

44.08%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$644 €577

4.34%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,411 €1,266

152.69%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$964 €865

78.77%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$4,380 €3,930

-37.63%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,392 €2,146

-4.50%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.65

277.53%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Kouvola: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Kouvola

$644 35.5% 4.2% $28

Groceries & Markets

Ubud, Bali

$288 21.4%

Kouvola

$355 19.6% 22.9% $66

Eating Out

Ubud, Bali

$108 8%

Kouvola

$294 16.2% 173% $186

Clothing & Footwear

Ubud, Bali

$108 8%

Kouvola

$176 9.7% 63.8% $69

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Kouvola

$182 10% 74.6% $78

Sport & Entertainment

Ubud, Bali

$58 4.3%

Kouvola

$72 4% 24.8% $14

Getting Around

Ubud, Bali

$11 0.9%

Kouvola

$90 5% 686% $78

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $781 in Kouvola. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $94 in Kouvola for a mid-range dinner for two. Groceries echo the gap at $288 vs $355 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Kouvola

🕒 Local time

03:03 3:03 AM

21:03 9:03 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

78,876

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.11 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 October 29, 2026: 1 USD = 18,125 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,227 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 29, 2026: 1 USD = 0.897 EUR (1 EUR = 1.11 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Kouvola 10,760 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kouvola

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 Kouvola: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 26% cheaper overall, especially in eating out, transport, and clothing. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $2,718 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: $1,125 in Ubud, Bali versus $781 in Kouvola. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $421 in Kouvola. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 23% higher in Kouvola. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Kouvola are both considered safe, so it’s unlikely to be the deciding factor between them.