Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Lohja

For one person, living is cheaper in Lohja: $981 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
48

Cost of Living Index in Lohja
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Lohja Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Lohja

🇫🇮 Finland

$981

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $981 in Lohja, rent included.

Ubud, Bali $1,353
Lohja $981

A couple spends around $2,297 per month in Ubud, Bali vs $2,121 in Lohja, rent included.

Ubud, Bali $2,297
Lohja $2,121

A family of three spends $3,241 per month in Ubud, Bali vs $3,260 in Lohja, rent included.

Ubud, Bali $3,241
Lohja $3,260

Ubud, Bali costs about 38% more than Lohja, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 0% above the global median, while Lohja is 28% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$13.40 €11.91

-75.90%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$61.7 €54.9

-43.50%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$11.81 €10.50

-51.74%

Cappuccino

$2.62 Rp 47.1K

$4.76 €4.23

-44.96%

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

$1.72 Rp 31.0K

$2.95 €2.62

-41.69%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.92 €1.71

-57.81%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$7.74 €6.88

-65.76%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$6.80 €6.05

-35.74%

Milk (1 liter)

$1.57 Rp 28.3K

$1.21 €1.07

29.75%

White Bread (500g)

$2.19 Rp 39.5K

$2.30 €2.05

-4.78%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.49 €2.21

-52.61%

Eggs

$2.16 Rp 38.8K

$2.66 €2.37

-18.80%

Local Cheese (1kg)

$17.65 Rp 317.7K

$8.79 €7.82

100.80%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$13.58 €12.08

-72.16%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$16.53 €14.70

-27.71%

Apples (1kg)

$3.60 Rp 64.8K

$2.18 €1.94

65.14%

Banana (1kg)

$1.59 Rp 28.6K

$2.11 €1.88

-24.64%

Oranges (1kg)

$2.31 Rp 41.6K

$1.10 €0.98

110.00%

Tomato (1kg)

$1.91 Rp 34.3K

$3.97 €3.54

-51.89%

Potato (1kg)

$1.78 Rp 32.1K

$1.28 €1.14

39.06%

Onion (1kg)

$2.33 Rp 41.9K

$1.91 €1.70

21.99%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.78 €2.47

-64.03%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$2.08 €1.85

-74.52%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$12.80 €11.39

-82.11%

Wine (Bottle)

$22.07 Rp 397.3K

$16.22 €14.43

36.07%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$3.19 €2.84

-26.33%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.25 €2.89

-8.31%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$4.39 €3.91

-89.29%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.30 €1.16

-66.92%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$67.5 €60.0

-91.89%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.93 €1.72

-56.99%

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

$23.9K Rp 429.8M

$37.0K €33.0K

-35.55%

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

$32.8K Rp 590.1M

$37.3K €33.2K

-12.11%

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

$80.0 Rp 1.4M

$77.1 €68.6

3.69%

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

$6.56 Rp 118.1K

$24.87 €22.12

-73.62%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$22.54 €20.05

-17.48%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$33.22 €29.55

62.91%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$16.29 €14.49

12.22%

Cinema Ticket

$4.25 Rp 76.5K

$15.85 €14.10

-73.19%

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

$493 Rp 8.9M

$331 €295

48.74%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$95.5 €84.9

-52.25%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$33.60 €29.89

4.05%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$79.2 €70.4

-1.83%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$155 €138

-49.48%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,123 €999

221.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$961 €855

77.03%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$1,338 €1,190

103.06%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,133 €1,008

97.81%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,304 €2,939

-94.97%

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: October 19, 2026

Last update for Lohja: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Lohja

- * 0% 100%

Groceries & Markets

Ubud, Bali

$287 21.2%

Lohja

$346 35.3% 20.5% $59

Clothing & Footwear

Ubud, Bali

$107 7.9%

Lohja

$164 16.7% 53.6% $57

Eating Out

Ubud, Bali

$106 7.9%

Lohja

$271 27.7% 155% $165

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Lohja

$125 12.7% 18.4% $19

Sport & Entertainment

Ubud, Bali

$63 4.6%

Lohja

$65 6.6% 3.7% $2.3

Getting Around

Ubud, Bali

$12 0.9%

Lohja

$11 * 1.1% 12.3% $1.5

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries run about 1886% higher in Lohja, 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 $62.0 in Lohja. Monthly groceries follow the same trend: $287 vs $346 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Lohja

🕒 Local time

02:36 2:36 AM

21:36 9:36 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

45,654

💱 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 22, 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 22, 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 Lohja 10,890 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Lohja

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 Lohja: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 38%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,472 in Lohja. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,353 in Ubud, Bali and $981 in Lohja. That's a gap of about 38%.

Kindergarten costs $493 per month in Ubud, Bali and $331 in Lohja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Lohja, where all-in costs run around $981, than in Ubud, Bali at $1,353. In Lohja it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Lohja – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Lohja. 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.