Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Murmansk

For one person, living is cheaper in Murmansk: $1,062 a month against $1,331 in Ubud, Bali, rent and utilities included – about $3,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
54

Cost of Living Index in Murmansk
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Murmansk Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Murmansk

🇷🇺 Russia

$1,062

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $1,062 in Murmansk, rent included.

Ubud, Bali $1,331
Murmansk $1,062

A couple spends around $2,255 per month in Ubud, Bali vs $1,748 in Murmansk, rent included.

Ubud, Bali $2,255
Murmansk $1,748

A family of three spends $3,180 per month in Ubud, Bali vs $2,434 in Murmansk, rent included.

Ubud, Bali $3,180
Murmansk $2,434

Ubud, Bali costs about 25% more than Murmansk, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Murmansk are more affordable than the global median – Ubud, Bali 2% lower, Murmansk 21% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$10.57 ₽855

-68.02%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.3K

$40.83 ₽3,303

-15.14%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$6.51 ₽527

-14.44%

Cappuccino

$2.62 Rp 47.6K

$2.92 ₽237

-10.27%

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

$1.54 Rp 28.0K

$1.16 ₽93.4

32.76%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.58 ₽46.60

10.34%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.61 ₽130

65.84%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$3.54 ₽286

20.34%

Milk (1 liter)

$1.46 Rp 26.6K

$1.16 ₽93.5

25.86%

White Bread (500g)

$2.29 Rp 41.6K

$0.79 ₽64.0

189.87%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.40 ₽113

-20.71%

Eggs

$2.10 Rp 38.1K

$1.57 ₽127

33.76%

Local Cheese (1kg)

$15.94 Rp 289.5K

$11.75 ₽951

35.66%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$5.39 ₽436

-28.01%

Beef Round Steak (1kg)

$11.40 Rp 207.1K

$12.15 ₽983

-6.17%

Apples (1kg)

$3.55 Rp 64.5K

$1.93 ₽156

83.94%

Banana (1kg)

$1.54 Rp 27.9K

$1.74 ₽140

-11.49%

Oranges (1kg)

$2.23 Rp 40.5K

$1.70 ₽138

31.18%

Tomato (1kg)

$1.97 Rp 35.8K

$3.22 ₽260

-38.82%

Potato (1kg)

$1.86 Rp 33.7K

$0.71 ₽57.8

161.97%

Onion (1kg)

$2.42 Rp 43.9K

$0.68 ₽55.3

255.88%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.21 ₽98.0

-15.70%

Water (1.5 liter bottle)

$0.52 Rp 9,486

$0.67 ₽54.5

-22.39%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.44 ₽278

-36.05%

Wine (Bottle)

$21.79 Rp 395.7K

$7.95 ₽643

174.09%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.12 ₽90.4

108.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.89 ₽153

57.14%

One-way Ticket (Public Transport)

$0.25 Rp 4,547

$0.63 ₽50.8

-60.32%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.5K

$31.73 ₽2,567

-74.25%

Taxi Start (Normal Tariff)

$0.44 Rp 7,950

$2.42 ₽196

-81.82%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,499

$0.31 ₽25.12

51.61%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$6.27 ₽507

-10.69%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.89 ₽72.0

-6.74%

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

$24.4K Rp 444.0M

$53.0K ₽4.3M

-53.85%

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

$31.7K Rp 575.6M

$40.8K ₽3.3M

-22.29%

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

$77.5 Rp 1.4M

$128 ₽10.4K

-39.51%

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

$6.14 Rp 111.6K

$6.88 ₽557

-10.76%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.5K

$8.11 ₽656

133.29%

Gym Membership (Monthly)

$51.0 Rp 926.1K

$35.66 ₽2,884

42.99%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.4K

$28.25 ₽2,285

-35.40%

Cinema Ticket

$4.38 Rp 79.6K

$7.34 ₽593

-40.33%

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

$492 Rp 8.9M

$310 ₽25.1K

58.81%

International Primary School, 1 Child (Yearly)

$12.2K Rp 222.0M

$6,618 ₽535.4K

84.66%

Jeans (Levis 501 Or Similar)

$45.16 Rp 820.2K

$89.1 ₽7,205

-49.29%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.6K

$54.0 ₽4,366

-35.36%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$138 ₽11.1K

-43.16%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$117 ₽9,449

-33.34%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$449 ₽36.3K

140.11%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$275 ₽22.3K

141.69%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$934 ₽75.5K

275.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$646 ₽52.3K

158.62%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$1,971 ₽159.4K

18.73%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,466 ₽118.6K

52.57%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

21.33

-35.40%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Murmansk: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Murmansk

$275 25.9% 58.6% $390

Groceries & Markets

Ubud, Bali

$279 21%

Murmansk

$215 20.2% 23.2% $65

Clothing & Footwear

Ubud, Bali

$106 8%

Murmansk

$179 16.9% 68.3% $73

Eating Out

Ubud, Bali

$106 8%

Murmansk

$161 15.2% 52.5% $56

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Murmansk

$143 13.5% 39.5% $41

Sport & Entertainment

Ubud, Bali

$60 4.5%

Murmansk

$50 4.7% 15.8% $9.4

Getting Around

Ubud, Bali

$12 0.9%

Murmansk

$38 3.6% 220% $26

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $449 in Murmansk. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $35 in Ubud, Bali versus $41 in Murmansk. Groceries tell a different story – $279 in Ubud, Bali vs $215 in Murmansk – so Murmansk wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Murmansk

🕒 Local time

23:13 11:13 PM

18:13 6:13 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

282,851

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 RUB = 1.24 USD

100 RUB = 1.1 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,333 IDR (100,000 IDR = 4.92 EUR).

Russian Ruble exchange rates as of November 3, 2026: 1 USD = 80.89 RUB (100 RUB = 1.24 USD). 1 EUR = 90.57 RUB (100 RUB = 1.1 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Murmansk 10,580 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Murmansk

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 Murmansk: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,331 in Ubud, Bali, $1,062 in Murmansk – Murmansk comes out roughly 20% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $1,592 in Murmansk. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Murmansk, especially for central apartments: a one-bedroom in the center costs $449 there versus $1,078 in Ubud, Bali.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $1,062 in Murmansk. That makes Murmansk about 20% cheaper.

Public transport costs about 74% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 covers both cities comfortably – all-in costs are $1,331 in Ubud, Bali and $1,062 in Murmansk, leaving budget for savings and extras in both cases.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.