Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Njardvik

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $3,133 in Njardvik, rent and utilities included – about $21,600 less a year. Rent and utilities account for about half of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
151

Cost of Living Index in Njardvik
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Njardvik Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Njardvik

🇮🇸 Iceland

$3,133

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $3,133 in Njardvik.

Ubud, Bali $1,331
Njardvik $3,133

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $4,864 in Njardvik.

Ubud, Bali $2,255
Njardvik $4,864

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $6,596 in Njardvik.

Ubud, Bali $3,180
Njardvik $6,596

Living in Ubud, Bali costs roughly 58% less than in Njardvik, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 2% below, Njardvik is 132% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$24.20 ISK 2,940

-86.03%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$98.4 ISK 12.0K

-64.78%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$16.27 ISK 1,977

-65.77%

Cappuccino

$2.62 Rp 47.6K

$6.46 ISK 784

-59.44%

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

$1.54 Rp 27.9K

$1.61 ISK 195

-4.35%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.41 ISK 292

-73.44%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$10.53 ISK 1,280

-74.64%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$12.43 ISK 1,510

-65.73%

Milk (1 liter)

$1.46 Rp 26.5K

$2.12 ISK 258

-31.13%

White Bread (500g)

$2.29 Rp 41.6K

$4.24 ISK 515

-45.99%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.64 ISK 443

-69.51%

Eggs

$2.10 Rp 38.1K

$7.20 ISK 875

-70.83%

Local Cheese (1kg)

$15.94 Rp 289.4K

$21.85 ISK 2,655

-27.05%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$24.79 ISK 3,012

-84.35%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$41.37 ISK 5,027

-72.44%

Apples (1kg)

$3.55 Rp 64.5K

$3.40 ISK 413

4.41%

Banana (1kg)

$1.54 Rp 27.9K

$2.85 ISK 347

-45.96%

Oranges (1kg)

$2.23 Rp 40.5K

$3.13 ISK 381

-28.75%

Tomato (1kg)

$1.97 Rp 35.8K

$6.54 ISK 795

-69.88%

Potato (1kg)

$1.86 Rp 33.7K

$3.95 ISK 480

-52.91%

Onion (1kg)

$2.42 Rp 43.9K

$1.68 ISK 205

44.05%

Lettuce (1 head)

$1.02 Rp 18.6K

$3.75 ISK 456

-72.80%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$1.84 ISK 224

-71.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$13.70 ISK 1,665

-83.94%

Wine (Bottle)

$21.79 Rp 395.6K

$23.83 ISK 2,896

-8.56%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$3.61 ISK 439

-35.46%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.35 ISK 407

-11.34%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$6.57 ISK 799

-93.30%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$2.87 ISK 349

-83.62%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$81.0 ISK 9,846

-93.09%

Gasoline (1 liter)

$0.83 Rp 15.0K

$2.05 ISK 249

-59.51%

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

$24.4K Rp 443.8M

$67.8K ISK 8.2M

-63.92%

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

$31.7K Rp 575.5M

$56.3K ISK 6.8M

-43.67%

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

$77.5 Rp 1.4M

$96.1 ISK 11.7K

-19.37%

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

$6.14 Rp 111.6K

$32.14 ISK 3,905

-80.90%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$85.4 ISK 10.4K

-77.84%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$80.6 ISK 9,793

-36.74%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$4.38 Rp 79.6K

$19.99 ISK 2,429

-78.09%

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

$492 Rp 8.9M

$1,198 ISK 145.5K

-58.88%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$26.0K ISK 3.2M

-53.04%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$122 ISK 14.8K

-62.86%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$66.7 ISK 8,106

-47.71%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$183 ISK 22.2K

-57.20%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$247 ISK 30.0K

-68.47%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$1,462 ISK 177.6K

-54.52%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$2,674 ISK 324.9K

-37.52%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,080 ISK 495.7K

-95.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.81

56.41%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Njardvik: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Njardvik

$1.5K 46.7% 120% $797

Groceries & Markets

Ubud, Bali

$279 21%

Njardvik

$625 19.9% 124% $345

Clothing & Footwear

Ubud, Bali

$106 8%

Njardvik

$278 8.9% 162% $172

Eating Out

Ubud, Bali

$106 8%

Njardvik

$413 13.2% 291% $308

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Njardvik

$214 6.8% 108% $111

Sport & Entertainment

Ubud, Bali

$60 4.5%

Njardvik

$121 3.9% 102% $61

Getting Around

Ubud, Bali

$12 0.9%

Njardvik

$21 * 0.7% 75.2% $9

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

Cost Breakdown

Njardvik pays about 25 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $98 in Njardvik for a mid-range dinner for two. Groceries echo the gap at $279 vs $625 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇸 Njardvik

🕒 Local time

08:09 8:09 AM

00:09 12:09 AM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

6,000

💱 Currency

Indonesian Rupiah IDR Rp

Icelandic Króna ISK kr

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

1,000 ISK = 8.23 USD

1,000 ISK = 7.31 EUR

Exchange rates and currency converter

ISK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

Icelandic Króna exchange rates as of November 5, 2026: 1 USD = 122 ISK (1,000 ISK = 8.23 USD). 1 EUR = 137 ISK (1,000 ISK = 7.31 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Njardvik 13,010 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Njardvik

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 Njardvik: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 58% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 96% lower in Ubud, Bali. 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 124% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $3,133 in Njardvik – Ubud, Bali is about 58% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Njardvik are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Njardvik on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.