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 $1,397 per month in Ubud, Bali vs $939 in Nalchik, rent included.

A couple spends around $2,588 per month in Ubud, Bali vs $1,598 in Nalchik, rent included.

A family of three spends $3,778 per month in Ubud, Bali vs $2,257 in Nalchik, rent included.

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

Ubud, Bali sits 5% above the global median, while Nalchik is 30% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.43 Rp 61.6K

$5.79 ₽450

-40.76%

Three-Course Dinner for Two, Mid-Range

$31.97 Rp 574.4K

$34.93 ₽2,715

-8.47%

Fast Food Meal (McDonalds, etc)

$5.05 Rp 90.8K

$8.02 ₽624

-37.03%

Cappuccino

$2.71 Rp 48.8K

$3.52 ₽274

-23.01%

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

$1.39 Rp 25.0K

$1.12 ₽87.4

24.11%

Water (0.33 liter bottle)

$0.74 Rp 13.3K

$0.47 ₽36.46

57.45%

Local Beer (0.5 liter draught)

$2.89 Rp 52.0K

$1.37 ₽106

110.95%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.1K

$3.44 ₽268

10.17%

Milk (1 liter)

$1.79 Rp 32.2K

$1.78 ₽138

0.56%

White Bread (500g)

$2.51 Rp 45.0K

$0.91 ₽71.1

175.82%

Rice (white) (1kg)

$1.21 Rp 21.8K

$2.40 ₽186

-49.58%

Eggs

$2.37 Rp 42.5K

$2.46 ₽191

-3.66%

Local Cheese (1kg)

$14.43 Rp 259.3K

$5.76 ₽448

150.52%

Chicken Fillets (1kg)

$4.15 Rp 74.6K

$7.04 ₽547

-41.05%

Beef Round Steak (1kg)

$12.11 Rp 217.7K

$10.48 ₽815

15.55%

Apples (1kg)

$3.77 Rp 67.7K

$1.76 ₽137

114.20%

Banana (1kg)

$1.63 Rp 29.2K

$1.90 ₽147

-14.21%

Oranges (1kg)

$2.71 Rp 48.6K

$3.40 ₽264

-20.29%

Tomato (1kg)

$2.26 Rp 40.5K

$3.53 ₽274

-35.98%

Potato (1kg)

$1.93 Rp 34.6K

$1.19 ₽92.7

62.18%

Onion (1kg)

$2.19 Rp 39.4K

$0.56 ₽43.25

291.07%

Lettuce (1 head)

$1.02 Rp 18.3K

$0.45 ₽34.82

126.67%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.14 ₽88.6

-36.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.2K

$3.44 ₽267

-7.56%

Wine (Bottle)

$23.84 Rp 428.3K

$7.68 ₽597

210.42%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.8K

$1.00 ₽78.1

177.00%

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.4K

$1.93 ₽150

42.49%

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.42 ₽32.70

-35.71%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 147.3K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$2.61 ₽203

-81.61%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,571

$0.30 ₽23.58

40.00%

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 108.3K

$3.79 ₽294

59.10%

Gasoline (1 liter)

$0.82 Rp 14.7K

$0.91 ₽70.8

-9.89%

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

$26.6K Rp 477.3M

$38.1K ₽3.0M

-30.31%

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

$32.2K Rp 578.6M

$64.7K ₽5.0M

-50.21%

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

$78.3 Rp 1.4M

$37.83 ₽2,940

106.85%

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

$3.91 Rp 70.3K

$7.44 ₽578

-47.45%

Internet (50+ Mbps, Unlimited Data)

$23.91 Rp 429.7K

$4.93 ₽383

384.99%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$37.92 ₽2,947

153.64%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 117.3K

$6.40 ₽498

2.03%

Cinema Ticket

$4.01 Rp 72.1K

$3.73 ₽290

7.51%

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

$303 Rp 5.4M

$319 ₽24.8K

-5.15%

International Primary School, 1 Child (Yearly)

$6,551 Rp 117.7M

$6,868 ₽533.8K

-4.61%

Jeans (Levis 501 Or Similar)

$55.3 Rp 993.9K

$69.1 ₽5,371

-19.96%

Summer Dress (H&M, Zara, etc)

$38.32 Rp 688.6K

$44.96 ₽3,495

-14.77%

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

$115 ₽8,921

-22.91%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$108 ₽8,397

-28.96%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$452 ₽35.1K

118.08%

1-bedroom Apartment, Outside City Center (Monthly)

$682 Rp 12.3M

$324 ₽25.1K

110.79%

3-bedroom Apartment, City Center (Monthly)

$3,420 Rp 61.5M

$1,021 ₽79.4K

234.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,075 Rp 37.3M

$766 ₽59.5K

170.85%

Buy Apartment in City Center (m2)

$2,762 Rp 49.6M

$500 ₽38.9K

452.11%

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.3M

$390 ₽30.3K

475.56%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$404 ₽31.4K

-58.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-33.60%

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

Last update for Ubud, Bali: July 22, 2026

Last update for Nalchik: July 21, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $452 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 139% 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 $32.00 in Ubud, Bali versus $35.00 in Nalchik. Groceries tell a different story – $298 in Ubud, Bali vs $226 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: $1,397 in Ubud, Bali, $939 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 $2,096 per month in Ubud, Bali and $1,409 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.

Monthly expenses with rent come to $1,397 in Ubud, Bali and $939 in Nalchik. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $303 per month in Ubud, Bali and $319 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 $939, than in Ubud, Bali at $1,397. 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 $939 in Nalchik to $1,397 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.