Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Nalchik

For one person, living is cheaper in Nalchik: $955 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,800 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
46

Cost of Living Index in Nalchik
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Nalchik Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Nalchik

🇷🇺 Russia

$955

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $955 in Nalchik, rent included.

Ubud, Bali $1,353
Nalchik $955

A couple spends around $2,297 per month in Ubud, Bali vs $1,474 in Nalchik, rent included.

Ubud, Bali $2,297
Nalchik $1,474

A family of three spends $3,241 per month in Ubud, Bali vs $1,994 in Nalchik, rent included.

Ubud, Bali $3,241
Nalchik $1,994

Ubud, Bali costs about 42% more than Nalchik, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Nalchik is 30% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$10.62 ₽886

-69.59%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$43.13 ₽3,600

-19.13%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.22 ₽686

-30.66%

Cappuccino

$2.62 Rp 47.1K

$2.90 ₽242

-9.66%

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

$1.72 Rp 31.0K

$1.17 ₽98.0

47.01%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.44 ₽36.59

84.09%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.22 ₽102

117.21%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$1.46 ₽122

199.32%

Milk (1 liter)

$1.57 Rp 28.3K

$1.72 ₽143

-8.72%

White Bread (500g)

$2.19 Rp 39.5K

$0.38 ₽32.12

476.32%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.91 ₽75.8

29.67%

Eggs

$2.16 Rp 38.8K

$1.84 ₽153

17.39%

Local Cheese (1kg)

$17.65 Rp 317.7K

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$3.66 ₽305

3.28%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$8.22 ₽686

45.38%

Apples (1kg)

$3.60 Rp 64.8K

$2.37 ₽198

51.90%

Banana (1kg)

$1.59 Rp 28.6K

$2.06 ₽172

-22.82%

Oranges (1kg)

$2.31 Rp 41.6K

$2.12 ₽177

8.96%

Tomato (1kg)

$1.91 Rp 34.3K

$2.56 ₽213

-25.39%

Potato (1kg)

$1.78 Rp 32.1K

$1.53 ₽128

16.34%

Onion (1kg)

$2.33 Rp 41.9K

$1.23 ₽102

89.43%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.48 ₽124

-32.43%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.63 ₽52.5

-15.87%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.46 ₽205

-6.91%

Wine (Bottle)

$22.07 Rp 397.3K

$6.21 ₽519

255.39%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.20 ₽99.9

95.83%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.42 ₽119

109.86%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.38 ₽31.70

-39.47%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$30.61 ₽2,555

-70.92%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.70 ₽142

-72.35%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.02 ₽85.2

-18.63%

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

$23.9K Rp 429.8M

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

$32.8K Rp 590.1M

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

$80.0 Rp 1.4M

$67.7 ₽5,650

18.17%

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

$6.56 Rp 118.1K

$4.71 ₽393

39.28%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$12.02 ₽1,003

54.74%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$12.28 ₽1,025

340.72%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$4.27 ₽357

-0.47%

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

$493 Rp 8.9M

$245 ₽20.5K

100.83%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$111 ₽9,297

-59.08%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$46.19 ₽3,855

-24.31%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$172 ₽14.4K

-54.89%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$120 ₽9,999

-34.46%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$369 ₽30.8K

206.89%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$291 ₽24.3K

130.95%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$534 ₽44.6K

576.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$422 ₽35.2K

303.54%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$491 ₽41.0K

453.26%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$361 ₽30.1K

520.59%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$395 ₽32.9K

-57.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

17.5

-21.26%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Nalchik: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Nalchik

$291 30.5% 56.7% $382

Groceries & Markets

Ubud, Bali

$287 21.2%

Nalchik

$162 * 17% 43.5% $125

Clothing & Footwear

Ubud, Bali

$107 7.9%

Nalchik

$202 21.2% 89.9% $96

Eating Out

Ubud, Bali

$106 7.9%

Nalchik

$160 16.7% 50.2% $53

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Nalchik

$84 8.8% 19.7% $21

Sport & Entertainment

Ubud, Bali

$63 4.6%

Nalchik

$21 2.2% 66.8% $42

Getting Around

Ubud, Bali

$12 0.9%

Nalchik

$34 * 3.5% 172% $21

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

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $369 in Nalchik. 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 137% higher in Nalchik, 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 $43.00 in Nalchik. Groceries tell a different story – $287 in Ubud, Bali vs $162 in Nalchik – so Nalchik wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Nalchik

🕒 Local time

22:24 10:24 PM

17:24 5:24 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

239,054

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 RUB = 1.2 USD

100 RUB = 1.07 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 October 25, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Russian Ruble exchange rates as of October 25, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Nalchik 9,220 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Nalchik

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 Nalchik: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,353 in Ubud, Bali, $955 in Nalchik – roughly 42% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,432 in Nalchik. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 244% less in Nalchik. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $493 per month in Ubud, Bali and $245 in Nalchik. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Nalchik, where all-in costs run around $955, than in Ubud, Bali at $1,353. In Nalchik it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $955 in Nalchik to $1,353 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Nalchik. 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.