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

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $1,850 in Kuopio.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,788 in Kuopio.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $3,727 in Kuopio.

Living in Ubud, Bali costs roughly 26% less than in Kuopio, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Kuopio 34% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$16.81 €14.49

-80.19%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$89.7 €77.3

-60.07%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$12.10 €10.43

-53.47%

Cappuccino

$2.82 Rp 49.7K

$5.26 €4.53

-46.39%

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

$1.75 Rp 30.8K

$2.31 €1.99

-24.24%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$2.08 €1.80

-61.54%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$6.77 €5.84

-55.10%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$9.37 €8.07

-54.11%

Milk (1 liter)

$1.61 Rp 28.3K

$1.28 €1.11

25.78%

White Bread (500g)

$2.27 Rp 39.9K

$2.81 €2.42

-19.22%

Rice (white) (1kg)

$1.17 Rp 20.6K

$2.48 €2.14

-52.82%

Eggs

$2.17 Rp 38.2K

$3.26 €2.81

-33.44%

Local Cheese (1kg)

$17.63 Rp 310.5K

$9.24 €7.96

90.80%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$12.44 €10.72

-67.44%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$22.00 €18.97

-44.64%

Apples (1kg)

$3.62 Rp 63.7K

$2.49 €2.15

45.38%

Banana (1kg)

$1.64 Rp 28.8K

$1.47 €1.27

11.56%

Oranges (1kg)

$2.31 Rp 40.6K

$2.57 €2.22

-10.12%

Tomato (1kg)

$1.96 Rp 34.5K

$3.91 €3.37

-49.87%

Potato (1kg)

$1.84 Rp 32.5K

$1.29 €1.11

42.64%

Onion (1kg)

$2.37 Rp 41.7K

$1.94 €1.67

22.16%

Lettuce (1 head)

$1.05 Rp 18.5K

$2.87 €2.48

-63.41%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$2.08 €1.79

-74.04%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$13.40 €11.55

-82.84%

Wine (Bottle)

$23.08 Rp 406.4K

$16.28 €14.03

41.77%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$3.16 €2.73

-25.95%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$3.40 €2.93

-9.71%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$3.57 €3.08

-93.00%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$66.5 €57.3

-85.83%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$4.45 €3.84

-88.99%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.40 €1.21

-66.43%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$69.7 €60.1

-91.97%

Gasoline (1 liter)

$0.81 Rp 14.2K

$2.08 €1.80

-61.06%

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

$25.0K Rp 440.3M

$37.4K €32.3K

-33.21%

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

$31.1K Rp 547.0M

$39.2K €33.8K

-20.68%

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

$82.7 Rp 1.5M

$121 €104

-31.38%

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

$6.49 Rp 114.2K

$25.86 €22.29

-74.90%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$22.87 €19.72

-17.84%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$37.70 €32.50

46.53%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$4.30 Rp 75.7K

$15.94 €13.74

-73.02%

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

$494 Rp 8.7M

$336 €290

46.94%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$76.9 €66.3

-39.83%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$44.61 €38.45

-18.31%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$106 €91.6

-24.07%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$162 €140

-51.42%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$825 €711

35.10%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$653 €563

6.23%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,154 €995

215.30%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$914 €788

87.31%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$2,586 €2,229

-93.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.51

292.59%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Kuopio: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $825 in Kuopio. Housing cost is often the main lever when comparing two cities.

Kuopio pays 1447% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $90.0 in Kuopio for a mid-range dinner for two. Groceries echo the gap at $294 vs $370 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 Kuopio: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 34% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1447% lower in Kuopio. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,114 in Ubud, Bali versus $825 in Kuopio. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36.00 versus $90.0 in Kuopio. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,378 per month in Ubud, Bali versus $1,850 in Kuopio – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,378 in Ubud, Bali versus $1,850 in Kuopio, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kuopio. 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 Kuopio, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Kuopio 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 34% less than in Kuopio. Beyond cost, consider language, visa policies, and how big the international community is in each city.