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

Monthly Cost of Living

A single person spends $1,378 per month in Ubud, Bali vs $922 in Nalchik, rent included.

A couple spends around $2,327 per month in Ubud, Bali vs $1,417 in Nalchik, rent included.

A family of three spends $3,275 per month in Ubud, Bali vs $1,912 in Nalchik, rent included.

Ubud, Bali costs about 49% more than Nalchik, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Nalchik is 33% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.3K

$11.53 ₽983

-71.12%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 626.9K

$40.58 ₽3,459

-11.73%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 98.5K

$8.94 ₽762

-37.02%

Cappuccino

$2.82 Rp 49.4K

$3.22 ₽275

-12.42%

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

$1.75 Rp 30.6K

$1.04 ₽88.5

68.27%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.63 ₽54.0

26.98%

Local Beer (0.5 liter draught)

$3.04 Rp 53.3K

$1.41 ₽120

115.60%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.2K

$1.44 ₽122

198.61%

Milk (1 liter)

$1.61 Rp 28.2K

$1.57 ₽134

2.55%

White Bread (500g)

$2.27 Rp 39.7K

$0.53 ₽45.59

328.30%

Rice (white) (1kg)

$1.17 Rp 20.5K

$0.83 ₽70.5

40.96%

Eggs

$2.17 Rp 38.0K

$1.89 ₽161

14.81%

Local Cheese (1kg)

$17.63 Rp 308.6K

Chicken Fillets (1kg)

$4.05 Rp 70.9K

$3.20 ₽273

26.56%

Beef Round Steak (1kg)

$12.18 Rp 213.2K

$7.92 ₽675

53.79%

Apples (1kg)

$3.62 Rp 63.3K

$2.22 ₽190

63.06%

Banana (1kg)

$1.64 Rp 28.6K

$1.95 ₽166

-15.90%

Oranges (1kg)

$2.31 Rp 40.3K

$1.64 ₽140

40.85%

Tomato (1kg)

$1.96 Rp 34.3K

$2.32 ₽198

-15.52%

Potato (1kg)

$1.84 Rp 32.3K

$1.55 ₽132

18.71%

Onion (1kg)

$2.37 Rp 41.5K

$1.13 ₽95.9

109.73%

Lettuce (1 head)

$1.05 Rp 18.4K

$1.38 ₽118

-23.91%

Water (1.5 liter bottle)

$0.54 Rp 9,502

$0.56 ₽47.93

-3.57%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.3K

$2.95 ₽252

-22.03%

Wine (Bottle)

$23.08 Rp 403.9K

$6.51 ₽555

254.53%

Local Beer (0.5 liter bottle)

$2.34 Rp 40.9K

$1.03 ₽87.6

127.18%

Imported Beer (0.33 liter bottle)

$3.07 Rp 53.7K

$1.44 ₽123

113.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,338

$0.45 ₽38.40

-44.44%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 164.9K

$28.94 ₽2,466

-67.45%

Taxi Start (Normal Tariff)

$0.49 Rp 8,579

$1.61 ₽137

-69.57%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,299

$0.85 ₽72.2

-44.71%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.1K

Gasoline (1 liter)

$0.81 Rp 14.1K

$1.00 ₽84.9

-19.00%

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

$25.0K Rp 437.7M

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

$31.1K Rp 543.7M

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

$82.7 Rp 1.4M

$63.6 ₽5,422

30.04%

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

$6.49 Rp 113.5K

$4.53 ₽386

43.27%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 328.8K

$11.59 ₽988

62.12%

Gym Membership (Monthly)

$55.2 Rp 966.8K

$20.07 ₽1,710

175.24%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 318.7K

Cinema Ticket

$4.30 Rp 75.2K

$3.71 ₽316

15.90%

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

$494 Rp 8.6M

$237 ₽20.2K

108.23%

International Primary School, 1 Child (Yearly)

$5,917 Rp 103.6M

Jeans (Levis 501 Or Similar)

$46.28 Rp 809.9K

$87.8 ₽7,484

-47.30%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 637.7K

$43.49 ₽3,706

-16.21%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$112 ₽9,547

-27.95%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$116 ₽9,920

-32.30%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.5M

$348 ₽29.7K

220.23%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.1M

$280 ₽23.8K

147.78%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 63.7M

$533 ₽45.5K

582.33%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.0M

$403 ₽34.4K

324.70%

Buy Apartment in City Center (m2)

$2,761 Rp 48.3M

$458 ₽39.1K

502.10%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.1M

$348 ₽29.7K

558.73%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$384 ₽32.7K

-56.48%

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: September 6, 2026

Last update for Nalchik: September 6, 2026

Cost Breakdown

A central one-bedroom costs $1,114 in Ubud, Bali versus $348 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 130% 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 $36.00 in Ubud, Bali versus $41.00 in Nalchik. Groceries tell a different story – $294 in Ubud, Bali vs $153 in Nalchik – so Nalchik wins on supermarket bills even if dining out costs more.

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: $1,378 in Ubud, Bali, $922 in Nalchik – roughly 49% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,067 per month in Ubud, Bali and $1,383 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 207% less in Nalchik. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $494 per month in Ubud, Bali and $237 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 $922, than in Ubud, Bali at $1,378. 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 $922 in Nalchik to $1,378 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.