Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Penza

For one person, living is cheaper in Penza: $782 a month against $1,353 in Ubud, Bali, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
35

Cost of Living Index in Penza
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Penza Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Penza

🇷🇺 Russia

$782

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $782 in Penza, rent included.

Ubud, Bali $1,353
Penza $782

A couple spends around $2,297 per month in Ubud, Bali vs $1,236 in Penza, rent included.

Ubud, Bali $2,297
Penza $1,236

A family of three spends $3,241 per month in Ubud, Bali vs $1,690 in Penza, rent included.

Ubud, Bali $3,241
Penza $1,690

Ubud, Bali costs about 73% more than Penza, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Penza is 42% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$8.31 ₽694

-61.13%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$36.30 ₽3,030

-3.91%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$7.79 ₽650

-26.83%

Cappuccino

$2.62 Rp 47.1K

$3.50 ₽292

-25.14%

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

$1.72 Rp 31.0K

$1.05 ₽87.3

63.81%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.69 ₽57.4

17.39%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$2.26 ₽189

17.26%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$2.79 ₽233

56.63%

Milk (1 liter)

$1.57 Rp 28.3K

$1.00 ₽83.5

57.00%

White Bread (500g)

$2.19 Rp 39.5K

$0.46 ₽38.64

376.09%

Rice (white) (1kg)

$1.18 Rp 21.2K

Eggs

$2.16 Rp 38.8K

$1.48 ₽124

45.95%

Local Cheese (1kg)

$17.65 Rp 317.7K

$13.45 ₽1,122

31.23%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$4.14 ₽346

-8.70%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

Apples (1kg)

$3.60 Rp 64.8K

Banana (1kg)

$1.59 Rp 28.6K

Oranges (1kg)

$2.31 Rp 41.6K

Tomato (1kg)

$1.91 Rp 34.3K

Potato (1kg)

$1.78 Rp 32.1K

Onion (1kg)

$2.33 Rp 41.9K

Lettuce (1 head)

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.86 ₽72.0

-38.37%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.60 ₽217

-11.92%

Wine (Bottle)

$22.07 Rp 397.3K

$9.11 ₽760

142.26%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.05 ₽87.3

123.81%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.49 ₽208

19.68%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.37 ₽31.07

-37.84%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.50 ₽209

-81.20%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.25 ₽21.02

72.00%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$14.48 ₽1,209

-62.22%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.83 ₽69.3

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

$23.9K Rp 429.8M

$36.8K ₽3.1M

-35.04%

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

$32.8K Rp 590.1M

$42.6K ₽3.6M

-23.10%

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

$80.0 Rp 1.4M

$83.6 ₽6,974

-4.27%

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

$6.56 Rp 118.1K

$6.63 ₽554

-1.06%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$11.10 ₽926

67.57%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$81.7 ₽6,822

-33.79%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$6.29 ₽525

-32.43%

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

$493 Rp 8.9M

$357 ₽29.8K

37.85%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$163 ₽13.6K

-71.96%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$73.8 ₽6,163

-52.65%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

Men's Leather Business Shoes

$78.5 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$335 ₽28.0K

237.34%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$199 ₽16.6K

238.76%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$481 ₽40.1K

651.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$393 ₽32.8K

332.93%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,254 ₽188.1K

20.55%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,073 ₽89.5K

108.93%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$595 ₽49.6K

-72.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-42.58%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Penza: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Penza

$199 25.4% 70.5% $474

Groceries & Markets

Ubud, Bali

$287 21.2%

Penza

$120 * 15.4% 58.1% $167

Clothing & Footwear

Ubud, Bali

$107 7.9%

Penza

$106 * 13.6% 0.2% $0.2

Eating Out

Ubud, Bali

$106 7.9%

Penza

$156 19.9% 46.2% $49

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Penza

$101 13% 3.7% $3.9

Sport & Entertainment

Ubud, Bali

$63 4.6%

Penza

$94 12.1% 50.6% $32

Getting Around

Ubud, Bali

$12 0.9%

Penza

$5.3 * 0.7% 57.8% $7.2

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

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $335 in Penza. 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 257% higher in Penza, 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 $35.00 in Ubud, Bali versus $36.00 in Penza. Groceries tell a different story – $287 in Ubud, Bali vs $120 in Penza – so Penza wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Penza

🕒 Local time

20:32 8:32 PM

15:32 3:32 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

509,513

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 RUB = 1.2 USD

100 RUB = 1.07 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Russian Ruble exchange rates as of October 20, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Penza 9,490 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Penza

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 Penza: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,353 in Ubud, Bali, $782 in Penza – roughly 73% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,173 in Penza. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Penza, 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 $1,353 in Ubud, Bali and $782 in Penza. That's a gap of about 73%.

Kindergarten costs $493 per month in Ubud, Bali and $357 in Penza. 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 Penza, where all-in costs run around $782, than in Ubud, Bali at $1,353. In Penza 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 $782 in Penza to $1,353 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 Penza. 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.