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

Monthly Cost of Living

A single person spends $1,419 per month in Ubud, Bali vs $862 in Penza, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $1,292 in Penza, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $1,722 in Penza, rent included.

Ubud, Bali costs about 65% more than Penza, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Penza is 36% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$7.65 ₽558

-53.46%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$33.19 ₽2,423

-1.39%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$5.85 ₽427

-15.38%

Cappuccino

$2.71 Rp 48.4K

$1.17 ₽85.5

131.62%

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

$1.34 Rp 24.0K

$0.91 ₽66.8

47.25%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.60 ₽43.82

16.67%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$1.11 ₽81.2

163.06%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.33 ₽170

69.96%

Milk (1 liter)

$1.81 Rp 32.3K

$1.24 ₽90.2

45.97%

White Bread (500g)

$2.52 Rp 45.0K

$0.74 ₽53.7

240.54%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.66 ₽121

-30.12%

Eggs

$2.46 Rp 43.9K

$1.88 ₽137

30.85%

Local Cheese (1kg)

$14.71 Rp 262.7K

$10.20 ₽745

44.22%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$3.96 ₽289

9.09%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$8.91 ₽650

36.25%

Apples (1kg)

$3.84 Rp 68.6K

$1.21 ₽88.6

217.36%

Banana (1kg)

$1.56 Rp 27.8K

$1.82 ₽133

-14.29%

Oranges (1kg)

$2.83 Rp 50.6K

$1.74 ₽127

62.64%

Tomato (1kg)

$2.33 Rp 41.5K

$2.86 ₽209

-18.53%

Potato (1kg)

$1.91 Rp 34.2K

$0.49 ₽35.91

289.80%

Onion (1kg)

$2.20 Rp 39.3K

$0.49 ₽35.57

348.98%

Lettuce (1 head)

$1.01 Rp 18.1K

$1.87 ₽136

-45.99%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.71 ₽52.1

9.86%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$2.96 ₽216

12.16%

Wine (Bottle)

$23.74 Rp 423.9K

$10.36 ₽756

129.15%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.02 ₽74.2

173.53%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$1.87 ₽136

52.94%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.43 ₽31.05

-37.21%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$1.87 ₽136

-75.40%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.58 ₽42.60

-22.41%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$4.51 ₽329

35.25%

Gasoline (1 liter)

$0.79 Rp 14.2K

$0.76 ₽55.1

3.95%

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

$26.1K Rp 467.0M

$34.2K ₽2.5M

-23.48%

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

$32.1K Rp 573.6M

$35.3K ₽2.6M

-9.09%

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

$79.9 Rp 1.4M

$108 ₽7,907

-26.21%

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

$4.06 Rp 72.6K

$5.89 ₽430

-31.07%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$7.64 ₽558

207.85%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$32.18 ₽2,349

206.71%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

Cinema Ticket

$4.15 Rp 74.1K

$3.70 ₽270

12.16%

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

$304 Rp 5.4M

$321 ₽23.4K

-5.21%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$6,874 ₽501.7K

-3.80%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$69.4 ₽5,064

-19.94%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$44.08 ₽3,218

-13.09%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$116 ₽8,483

-23.77%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$106 ₽7,705

-26.23%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$437 ₽31.9K

130.12%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$252 ₽18.4K

167.69%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$784 ₽57.2K

338.98%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$357 ₽26.1K

470.57%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$2,671 ₽195.0K

6.37%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$1,232 ₽89.9K

83.74%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$661 ₽48.2K

-75.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

66.00%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Penza: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $437 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 300% 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 $33.00 in Ubud, Bali versus $33.00 in Penza. Groceries tell a different story – $302 in Ubud, Bali vs $197 in Penza – so Penza 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 Penza: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,419 in Ubud, Bali, $862 in Penza – roughly 65% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $1,293 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 $1,419 in Ubud, Bali and $862 in Penza. 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 $321 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 $862, than in Ubud, Bali at $1,419. 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 $862 in Penza to $1,419 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.