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 $1,404 per month in Ubud, Bali vs $915 in Nalchik, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $1,578 in Nalchik, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $2,241 in Nalchik, rent included.

Ubud, Bali costs about 53% more than Nalchik, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while Nalchik is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.7K

$5.88 ₽423

-39.29%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 589.5K

$35.43 ₽2,548

-8.27%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 88.2K

$8.18 ₽588

-40.59%

Cappuccino

$2.75 Rp 49.8K

$3.41 ₽245

-19.35%

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

$1.32 Rp 24.0K

$1.08 ₽77.4

22.22%

Water (0.33 liter bottle)

$0.70 Rp 12.7K

$0.47 ₽33.46

48.94%

Local Beer (0.5 liter draught)

$2.91 Rp 52.8K

$1.38 ₽99.1

110.87%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.8K

$3.52 ₽253

7.67%

Milk (1 liter)

$1.71 Rp 31.0K

$1.79 ₽128

-4.47%

White Bread (500g)

$2.47 Rp 44.9K

$0.94 ₽67.8

162.77%

Rice (white) (1kg)

$1.20 Rp 21.8K

$2.39 ₽172

-49.79%

Eggs

$2.44 Rp 44.3K

$2.57 ₽185

-5.06%

Local Cheese (1kg)

$14.38 Rp 260.9K

$5.70 ₽410

152.28%

Chicken Fillets (1kg)

$4.31 Rp 78.1K

$7.12 ₽512

-39.47%

Beef Round Steak (1kg)

$12.21 Rp 221.4K

$10.47 ₽753

16.62%

Apples (1kg)

$3.68 Rp 66.8K

$1.74 ₽125

111.49%

Banana (1kg)

$1.55 Rp 28.1K

$1.88 ₽135

-17.55%

Oranges (1kg)

$2.79 Rp 50.5K

$3.52 ₽253

-20.74%

Tomato (1kg)

$2.33 Rp 42.3K

$3.59 ₽258

-35.10%

Potato (1kg)

$1.97 Rp 35.7K

$1.15 ₽82.6

71.30%

Onion (1kg)

$2.31 Rp 41.9K

$0.56 ₽40.24

312.50%

Lettuce (1 head)

$1.06 Rp 19.3K

$0.45 ₽32.34

135.56%

Water (1.5 liter bottle)

$0.73 Rp 13.2K

$1.20 ₽86.3

-39.17%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 59.5K

$3.52 ₽253

-6.82%

Wine (Bottle)

$22.79 Rp 413.4K

$8.22 ₽591

177.25%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.9K

$0.94 ₽67.3

198.94%

Imported Beer (0.33 liter bottle)

$2.78 Rp 50.5K

$1.91 ₽137

45.55%

One-way Ticket (Public Transport)

$0.29 Rp 5,281

$0.42 ₽30.23

-30.95%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 146.2K

Taxi Start (Normal Tariff)

$0.45 Rp 8,146

$2.57 ₽185

-82.49%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,193

$0.28 ₽19.86

60.71%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 113.1K

$3.82 ₽275

63.35%

Gasoline (1 liter)

$0.85 Rp 15.4K

$0.92 ₽65.8

-7.61%

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

$26.0K Rp 471.2M

$38.4K ₽2.8M

-32.34%

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

$31.7K Rp 574.1M

$64.7K ₽4.6M

-51.05%

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

$80.8 Rp 1.5M

$37.44 ₽2,692

115.68%

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

$4.06 Rp 73.6K

$7.57 ₽545

-46.37%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 442.9K

$5.21 ₽375

368.71%

Gym Membership (Monthly)

$97.7 Rp 1.8M

$37.46 ₽2,693

160.73%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 116.9K

$6.41 ₽461

0.62%

Cinema Ticket

$4.04 Rp 73.3K

$3.90 ₽280

3.59%

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

$304 Rp 5.5M

$320 ₽23.0K

-4.99%

International Primary School, 1 Child (Yearly)

$6,621 Rp 120.1M

$6,847 ₽492.3K

-3.30%

Jeans (Levis 501 Or Similar)

$54.2 Rp 983.6K

$70.2 ₽5,045

-22.71%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 703.2K

$44.22 ₽3,179

-12.30%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.6M

$112 ₽8,078

-23.33%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$105 ₽7,531

-26.81%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.9M

$451 ₽32.5K

118.35%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.9M

$312 ₽22.4K

111.17%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 61.1M

$997 ₽71.7K

238.04%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.5M

$761 ₽54.7K

171.54%

Buy Apartment in City Center (m2)

$2,741 Rp 49.7M

Buy Apartment Outside City Center (m2)

$2,228 Rp 40.4M

Average Monthly Net Salary (After Tax)

$163 Rp 3.0M

$206 ₽14.8K

-20.64%

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: June 9, 2026

Last update for Nalchik: June 7, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $451 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 26% 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 $33.00 in Ubud, Bali versus $35.00 in Nalchik. Groceries tell a different story – $297 in Ubud, Bali vs $229 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: $1,404 in Ubud, Bali, $915 in Nalchik – roughly 53% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $1,373 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 $1,404 in Ubud, Bali and $915 in Nalchik. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $304 per month in Ubud, Bali and $320 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 $915, than in Ubud, Bali at $1,404. 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 $915 in Nalchik to $1,404 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.