Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kozani

For one person, living is cheaper in Kozani: $1,284 a month against $1,368 in Ubud, Bali, rent and utilities included – about $1,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
63

Cost of Living Index in Kozani
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Kozani Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Kozani

🇬🇷 Greece

$1,284

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,368 per month in Ubud, Bali vs $1,284 in Kozani, rent included.

Ubud, Bali $1,368
Kozani $1,284

A couple spends around $2,314 per month in Ubud, Bali vs $1,879 in Kozani, rent included.

Ubud, Bali $2,314
Kozani $1,879

A family of three spends $3,260 per month in Ubud, Bali vs $2,474 in Kozani, rent included.

Ubud, Bali $3,260
Kozani $2,474

Ubud, Bali costs about 6% more than Kozani, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 1% above the global median, while Kozani is 5% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$11.21 €9.97

-70.29%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$44.18 €39.30

-20.37%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$10.96 €9.74

-47.08%

Cappuccino

$2.73 Rp 49.1K

$2.84 €2.53

-3.87%

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

$1.64 Rp 29.5K

$1.64 €1.45

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.54 €0.48

53.70%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$4.56 €4.05

-40.79%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$4.84 €4.31

-11.16%

Milk (1 liter)

$1.50 Rp 27.1K

$1.64 €1.46

-8.54%

White Bread (500g)

$2.30 Rp 41.4K

$1.71 €1.52

34.50%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.94 €1.72

-39.18%

Eggs

$2.14 Rp 38.6K

$3.33 €2.96

-35.74%

Local Cheese (1kg)

$17.48 Rp 314.6K

$13.16 €11.70

32.83%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$8.38 €7.46

-51.91%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$12.61 €11.21

-3.01%

Apples (1kg)

$3.55 Rp 63.9K

$1.65 €1.47

115.15%

Banana (1kg)

$1.57 Rp 28.3K

$1.64 €1.46

-4.27%

Oranges (1kg)

$2.24 Rp 40.2K

$1.54 €1.37

45.45%

Tomato (1kg)

$1.93 Rp 34.7K

$1.62 €1.44

19.14%

Potato (1kg)

$1.88 Rp 33.9K

$1.01 €0.90

86.14%

Onion (1kg)

$2.29 Rp 41.3K

$0.85 €0.75

169.41%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.27 €1.13

-22.05%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.89 €0.79

-40.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$5.12 €4.55

-55.47%

Wine (Bottle)

$23.01 Rp 414.2K

$8.81 €7.83

161.18%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.99 €1.77

17.59%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$3.13 €2.79

-7.03%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.65 €1.47

-85.45%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$41.77 €37.16

-78.88%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$4.15 €3.69

-88.43%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.11 €0.98

-58.56%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$16.64 €14.80

-67.25%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.97 €1.75

-55.33%

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

$24.6K Rp 442.2M

$28.3K €25.2K

-13.11%

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

$31.2K Rp 561.4M

$31.1K €27.7K

0.15%

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

$83.0 Rp 1.5M

$217 €193

-61.68%

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

$6.45 Rp 116.0K

$23.22 €20.66

-72.22%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$29.90 €26.60

-37.89%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$43.48 €38.68

28.38%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$23.90 €21.26

-24.23%

Cinema Ticket

$4.38 Rp 78.9K

$8.70 €7.73

-49.66%

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

$493 Rp 8.9M

$401 €357

22.92%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$9,068 €8,066

-36.55%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$84.6 €75.2

-45.38%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$45.09 €40.10

-21.65%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$82.5 €73.4

-4.12%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$61.2 €54.5

28.00%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$387 €344

195.42%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$314 €280

114.92%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$511 €454

585.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$428 €380

297.52%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$2,180 €1,939

27.71%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,867 €1,661

20.00%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,086 €966

-84.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.26

223.47%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Kozani: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Kozani

$314 24.5% 53.5% $361

Groceries & Markets

Ubud, Bali

$290 21.2%

Kozani

$260 20.3% 10.3% $30

Eating Out

Ubud, Bali

$109 8%

Kozani

$198 15.4% 81.9% $89

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Kozani

$270 21% 150% $162

Clothing & Footwear

Ubud, Bali

$108 7.9%

Kozani

$123 9.6% 14.4% $15

Sport & Entertainment

Ubud, Bali

$65 4.7%

Kozani

$61 4.7% 5.7% $3.7

Getting Around

Ubud, Bali

$13 0.9%

Kozani

$58 4.5% 363% $46

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $387 in Kozani. 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 560% higher in Kozani, 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 $44.00 in Kozani. Groceries tell a different story – $290 in Ubud, Bali vs $260 in Kozani – so Kozani wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇬🇷 Kozani

🕒 Local time

19:06 7:06 PM

14:06 2:06 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

35,242

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 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 October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 19, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kozani 10,910 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kozani

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 Kozani: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 6% more than Kozani, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,051 per month in Ubud, Bali and $1,927 in Kozani. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $493 per month in Ubud, Bali and $401 in Kozani. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 11% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Kozani, where all-in costs run around $1,284, than in Ubud, Bali at $1,368. In Kozani 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. Kozani costs $1,284 versus $1,368 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 Kozani. 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.