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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $3,130 in Njardvik.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $4,952 in Njardvik.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $6,774 in Njardvik.

Living in Ubud, Bali costs roughly 56% less than in Njardvik, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Ubud, Bali 0% above, Njardvik 129% above.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$25.22 ISK 3,058

-86.36%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.0K

$98.6 ISK 12.0K

-63.16%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$16.48 ISK 1,998

-65.35%

Cappuccino

$2.67 Rp 47.4K

$6.49 ISK 787

-58.86%

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

$1.75 Rp 31.0K

$1.67 ISK 202

4.79%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$2.50 ISK 303

-65.20%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$10.65 ISK 1,292

-72.30%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.1K

$12.59 ISK 1,527

-64.10%

Milk (1 liter)

$1.62 Rp 28.7K

$2.03 ISK 246

-20.20%

White Bread (500g)

$2.33 Rp 41.3K

$4.34 ISK 526

-46.31%

Rice (white) (1kg)

$1.11 Rp 19.6K

$3.55 ISK 431

-68.73%

Eggs

$2.20 Rp 39.0K

$7.17 ISK 870

-69.32%

Local Cheese (1kg)

$17.69 Rp 313.8K

$21.03 ISK 2,551

-15.88%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$25.01 ISK 3,033

-83.61%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$42.55 ISK 5,160

-71.37%

Apples (1kg)

$3.71 Rp 65.7K

$3.46 ISK 420

7.23%

Banana (1kg)

$1.59 Rp 28.2K

$2.85 ISK 346

-44.21%

Oranges (1kg)

$2.28 Rp 40.5K

$3.32 ISK 402

-31.33%

Tomato (1kg)

$1.95 Rp 34.6K

$6.51 ISK 789

-70.05%

Potato (1kg)

$1.91 Rp 33.8K

$4.14 ISK 502

-53.86%

Onion (1kg)

$2.33 Rp 41.3K

$1.63 ISK 198

42.94%

Lettuce (1 head)

$1.01 Rp 17.9K

$3.68 ISK 446

-72.55%

Water (1.5 liter bottle)

$0.55 Rp 9,788

$1.81 ISK 220

-69.61%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$13.87 ISK 1,681

-83.92%

Wine (Bottle)

$23.07 Rp 409.2K

$23.74 ISK 2,879

-2.82%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$3.80 ISK 461

-36.32%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$3.39 ISK 411

-11.50%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.3K

Taxi Start (Normal Tariff)

$0.48 Rp 8,580

$6.77 ISK 821

-92.91%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,691

$2.93 ISK 356

-85.32%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$75.4 ISK 9,138

-92.51%

Gasoline (1 liter)

$0.80 Rp 14.2K

$2.04 ISK 247

-60.78%

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

$24.9K Rp 442.4M

$51.0K ISK 6.2M

-51.10%

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

$31.7K Rp 562.4M

$54.1K ISK 6.6M

-41.36%

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

$81.5 Rp 1.4M

$89.9 ISK 10.9K

-9.39%

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

$6.49 Rp 115.2K

$32.46 ISK 3,936

-80.01%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.9K

$86.1 ISK 10.4K

-78.20%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$82.1 ISK 9,953

-30.71%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.2K

Cinema Ticket

$4.54 Rp 80.5K

$19.92 ISK 2,415

-77.21%

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

$481 Rp 8.5M

$1,196 ISK 145.0K

-59.81%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$30.8K ISK 3.7M

-81.47%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.3K

$125 ISK 15.2K

-63.69%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.4K

$65.6 ISK 7,951

-45.28%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$177 ISK 21.5K

-54.57%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$251 ISK 30.5K

-68.67%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$1,463 ISK 177.5K

-52.33%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$2,733 ISK 331.4K

-36.43%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$4,099 ISK 497.0K

-95.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.88

55.18%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Njardvik: September 15, 2026

Cost Breakdown

Njardvik pays 2340% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $99.0 in Njardvik for a mid-range dinner for two. Groceries echo the gap at $295 vs $628 per month, with Ubud, Bali cheaper across the board.

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 Njardvik: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 129% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2340% lower in Njardvik. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 113% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $3,130 in Njardvik – a 129% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $3,130 in Njardvik, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Njardvik. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Njardvik, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Njardvik are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 129% less than in Njardvik. Beyond cost, consider language, visa policies, and how big the international community is in each city.