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: $1,392 in Ubud, Bali versus $3,084 in Njardvik.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $4,824 in Njardvik.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $6,564 in Njardvik.

Living in Ubud, Bali costs roughly 55% less than in Njardvik, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Njardvik 132% above.

Meal at Budget Restaurant

$3.57 Rp 64.6K

$23.99 ISK 2,984

-85.12%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 584.4K

$97.5 ISK 12.1K

-66.86%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.5K

$16.12 ISK 2,006

-68.92%

Cappuccino

$2.82 Rp 51.1K

$6.07 ISK 756

-53.54%

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

$1.35 Rp 24.4K

$1.63 ISK 203

-17.18%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$2.43 ISK 303

-69.96%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$10.60 ISK 1,318

-72.36%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.2K

$11.11 ISK 1,382

-64.54%

Milk (1 liter)

$1.78 Rp 32.2K

$1.86 ISK 232

-4.30%

White Bread (500g)

$2.45 Rp 44.3K

$4.19 ISK 521

-41.53%

Rice (white) (1kg)

$1.15 Rp 20.8K

$3.56 ISK 443

-67.70%

Eggs

$2.41 Rp 43.7K

$6.29 ISK 782

-61.69%

Local Cheese (1kg)

$14.33 Rp 259.1K

$18.07 ISK 2,247

-20.70%

Chicken Fillets (1kg)

$4.19 Rp 75.7K

$23.80 ISK 2,960

-82.39%

Beef Round Steak (1kg)

$12.06 Rp 218.1K

$42.65 ISK 5,305

-71.72%

Apples (1kg)

$3.64 Rp 65.8K

$3.30 ISK 411

10.30%

Banana (1kg)

$1.57 Rp 28.3K

$2.41 ISK 299

-34.85%

Oranges (1kg)

$2.79 Rp 50.4K

$2.96 ISK 368

-5.74%

Tomato (1kg)

$2.24 Rp 40.5K

$5.14 ISK 640

-56.42%

Potato (1kg)

$1.98 Rp 35.8K

$3.51 ISK 437

-43.59%

Onion (1kg)

$2.28 Rp 41.2K

$2.44 ISK 304

-6.56%

Lettuce (1 head)

$1.05 Rp 19.1K

$3.18 ISK 396

-66.98%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.94 ISK 242

-59.28%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.7K

$13.76 ISK 1,712

-76.82%

Wine (Bottle)

$23.49 Rp 424.8K

$23.07 ISK 2,870

1.82%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.4K

$3.68 ISK 458

-21.20%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.8K

$3.38 ISK 420

-18.34%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.3K

Taxi Start (Normal Tariff)

$0.45 Rp 8,180

$6.47 ISK 805

-93.04%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,311

$2.54 ISK 316

-81.89%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.7K

$85.6 ISK 10.7K

-92.91%

Gasoline (1 liter)

$0.86 Rp 15.6K

$2.56 ISK 319

-66.41%

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

$26.6K Rp 480.7M

$46.9K ISK 5.8M

-43.29%

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

$32.5K Rp 588.6M

$52.4K ISK 6.5M

-37.93%

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

$79.0 Rp 1.4M

$86.4 ISK 10.7K

-8.49%

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

$4.09 Rp 74.0K

$27.25 ISK 3,390

-84.99%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 431.2K

$86.4 ISK 10.8K

-72.40%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$79.4 ISK 9,876

24.41%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.9K

Cinema Ticket

$4.01 Rp 72.5K

$17.27 ISK 2,148

-76.78%

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

$297 Rp 5.4M

$325 ISK 40.4K

-8.59%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.4M

$29.8K ISK 3.7M

-77.86%

Jeans (Levis 501 Or Similar)

$53.4 Rp 966.0K

$123 ISK 15.2K

-56.38%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 689.2K

$61.0 ISK 7,589

-37.53%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$183 ISK 22.8K

-51.57%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$268 ISK 33.3K

-71.39%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$1,466 ISK 182.3K

-53.58%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.7M

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.8M

$2,609 ISK 324.6K

-19.91%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,915 ISK 487.0K

-95.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

9.63

37.90%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Njardvik: July 26, 2026

Cost Breakdown

Njardvik pays 2292% 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: $32.00 in Ubud, Bali vs $98.0 in Njardvik for a mid-range dinner for two. Groceries echo the gap at $298 vs $592 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, Clothing & Footwear, Eating Out, Sport & Entertainment, Monthly Utilities & Internet. The 122% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2292% 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 99% higher in Njardvik. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,392 per month in Ubud, Bali versus $3,084 in Njardvik – a 122% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,392 in Ubud, Bali versus $3,084 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 122% less than in Njardvik. Beyond cost, consider language, visa policies, and how big the international community is in each city.