Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Mosul

For one person, living is cheaper in Mosul: $573 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,300 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
28

Cost of Living Index in Mosul
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Mosul Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Mosul

🇮🇶 Iraq

$573

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $573 in Mosul, rent included.

Ubud, Bali $1,349
Mosul $573

A couple spends around $2,305 per month in Ubud, Bali vs $906 in Mosul, rent included.

Ubud, Bali $2,305
Mosul $906

A family of three spends $3,261 per month in Ubud, Bali vs $1,239 in Mosul, rent included.

Ubud, Bali $3,261
Mosul $1,239

Ubud, Bali costs about 135% more than Mosul, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$4.07 IQD 6,154

-18.43%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$16.30 IQD 24.6K

118.65%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$5.21 IQD 7,870

6.14%

Cappuccino

$2.72 Rp 49.4K

$1.44 IQD 2,171

88.89%

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

$1.70 Rp 30.9K

$0.37 IQD 552

359.46%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.16 IQD 241

375.00%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.35 IQD 2,045

96.30%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$1.30 IQD 1,965

236.92%

Milk (1 liter)

$1.49 Rp 27.1K

$0.72 IQD 1,086

106.94%

White Bread (500g)

$2.28 Rp 41.4K

$0.63 IQD 955

261.90%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.09 IQD 1,645

9.17%

Eggs

$2.04 Rp 37.0K

$1.35 IQD 2,045

51.11%

Local Cheese (1kg)

$17.70 Rp 321.7K

$3.05 IQD 4,611

480.33%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$3.63 IQD 5,481

9.09%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$10.20 IQD 15.4K

19.51%

Apples (1kg)

$3.66 Rp 66.4K

$0.60 IQD 900

510.00%

Banana (1kg)

$1.52 Rp 27.6K

$0.89 IQD 1,347

70.79%

Oranges (1kg)

$2.23 Rp 40.5K

$0.61 IQD 915

265.57%

Tomato (1kg)

$1.97 Rp 35.9K

$0.43 IQD 650

358.14%

Potato (1kg)

$1.85 Rp 33.6K

$0.41 IQD 617

351.22%

Onion (1kg)

$2.42 Rp 44.1K

$0.41 IQD 621

490.24%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.36 IQD 544

175.00%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.52 IQD 785

-1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$1.67 IQD 2,528

32.93%

Wine (Bottle)

$22.24 Rp 404.2K

$6.47 IQD 9,779

243.74%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.47 IQD 2,222

53.74%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.67 IQD 2,516

77.84%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.34 IQD 518

-26.47%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$75.0 IQD 113.4K

-89.58%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.29 IQD 1,954

-65.89%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.36 IQD 2,051

-68.38%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$3.99 IQD 6,032

35.59%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.44 IQD 661

86.36%

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

$23.8K Rp 433.3M

$15.0K IQD 22.7M

59.03%

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

$31.7K Rp 577.0M

$17.3K IQD 26.2M

83.25%

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

$79.1 Rp 1.4M

$76.1 IQD 115.0K

3.89%

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

$6.45 Rp 117.2K

$12.24 IQD 18.5K

-47.30%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$23.78 IQD 35.9K

-21.87%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$20.66 IQD 31.2K

139.50%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$22.72 IQD 34.3K

-22.32%

Cinema Ticket

$4.27 Rp 77.7K

$8.09 IQD 12.2K

-47.22%

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

$491 Rp 8.9M

$172 IQD 259.6K

185.48%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$2,729 IQD 4.1M

107.93%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$10.79 IQD 16.3K

313.72%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$16.25 IQD 24.6K

115.08%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$23.17 IQD 35.0K

244.84%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$22.08 IQD 33.4K

259.69%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$142 IQD 215.2K

689.87%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$103 IQD 155.9K

550.98%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$247 IQD 373.8K

1340.92%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$252 IQD 380.7K

583.98%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$730 IQD 1.1M

274.30%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$502 IQD 758.5K

355.00%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$420 IQD 634.2K

-60.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.53

444.66%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Mosul: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Mosul

$103 18% 84.6% $568

Groceries & Markets

Ubud, Bali

$288 21.4%

Mosul

$127 22.2% 55.8% $161

Eating Out

Ubud, Bali

$108 8%

Mosul

$77 13.4% 28.6% $31

Clothing & Footwear

Ubud, Bali

$108 8%

Mosul

$33 5.7% 69.7% $75

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Mosul

$112 19.6% 7.7% $8

Sport & Entertainment

Ubud, Bali

$58 4.3%

Mosul

$37 6.4% 36.5% $21

Getting Around

Ubud, Bali

$11 0.9%

Mosul

$84 14.7% 640% $73

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $142 in Mosul. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Mosul are about 2.6 times higher, 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 $36 in Ubud, Bali versus $16 in Mosul. Monthly groceries follow the same trend: $288 vs $127 – making Mosul the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Mosul

🕒 Local time

04:34 4:34 AM

23:34 11:34 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,683,000

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.95 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of October 28, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,682 IQD (10,000 IQD = 5.95 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Mosul 9,010 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Mosul

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 Mosul: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $573 in Mosul – Mosul comes out roughly 57% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $860 in Mosul. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Mosul, especially for central apartments: a one-bedroom in the center costs $142 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $573 in Mosul. That makes Mosul about 57% cheaper.

Public transport costs about 90% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,200 monthly budget goes further in Mosul, where all-in costs run around $573, than in Ubud, Bali at $1,349. In Mosul it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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