Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Saratov

For one person, living is cheaper in Saratov: $1,160 a month against $1,348 in Ubud, Bali, rent and utilities included – about $2,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
56

Cost of Living Index in Saratov
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Saratov Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Saratov

🇷🇺 Russia

$1,160

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,348 per month in Ubud, Bali vs $1,160 in Saratov, rent included.

Ubud, Bali $1,348
Saratov $1,160

A couple spends around $2,312 per month in Ubud, Bali vs $1,766 in Saratov, rent included.

Ubud, Bali $2,312
Saratov $1,766

A family of three spends $3,276 per month in Ubud, Bali vs $2,371 in Saratov, rent included.

Ubud, Bali $3,276
Saratov $2,371

Ubud, Bali costs about 16% more than Saratov, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 1% above the global median, while Saratov is 13% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$15.02 ₽1,278

-77.83%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$9.63 ₽819

-40.19%

Cappuccino

$2.63 Rp 47.0K

$4.10 ₽349

-35.85%

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

$1.74 Rp 31.0K

$0.89 ₽75.8

95.51%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$0.48 ₽41.03

60.42%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$0.92 ₽78.0

194.57%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

Milk (1 liter)

$1.53 Rp 27.4K

$1.13 ₽96.5

35.40%

White Bread (500g)

$2.20 Rp 39.2K

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.55 ₽132

-21.29%

Eggs

$2.14 Rp 38.2K

$1.65 ₽140

29.70%

Local Cheese (1kg)

$17.73 Rp 316.9K

$12.64 ₽1,076

40.27%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$5.71 ₽486

-32.40%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$12.97 ₽1,103

-7.25%

Apples (1kg)

$3.61 Rp 64.5K

$4.48 ₽381

-19.42%

Banana (1kg)

$1.51 Rp 27.1K

$2.38 ₽203

-36.55%

Oranges (1kg)

$2.32 Rp 41.4K

$0.68 ₽57.9

241.18%

Tomato (1kg)

$2.00 Rp 35.8K

$5.40 ₽460

-62.96%

Potato (1kg)

$1.81 Rp 32.4K

$1.11 ₽94.1

63.06%

Onion (1kg)

$2.39 Rp 42.7K

$0.49 ₽41.52

387.76%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.84 ₽71.6

17.86%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$0.63 ₽53.3

-17.46%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$2.89 ₽246

-24.57%

Wine (Bottle)

$22.98 Rp 410.7K

$9.59 ₽816

139.62%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.07 ₽90.8

124.30%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$2.24 ₽191

33.93%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$0.55 ₽46.50

-56.36%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$14.57 ₽1,239

-52.02%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$1.25 ₽106

-64.80%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$0.30 ₽25.90

40.00%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$8.95 ₽761

-39.11%

Gasoline (1 liter)

$0.84 Rp 15.1K

$0.81 ₽69.1

3.70%

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

$24.3K Rp 434.8M

$45.6K ₽3.9M

-46.68%

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

$31.9K Rp 570.0M

$33.8K ₽2.9M

-5.59%

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

$80.8 Rp 1.4M

$115 ₽9,775

-29.64%

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

$6.58 Rp 117.6K

$9.93 ₽845

-33.74%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$10.62 ₽904

71.75%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$46.54 ₽3,960

18.46%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$26.99 ₽2,296

-31.42%

Cinema Ticket

$4.24 Rp 75.9K

$7.84 ₽667

-45.92%

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

$486 Rp 8.7M

$304 ₽25.9K

59.67%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$2,152 ₽183.1K

163.82%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$85.0 ₽7,236

-46.87%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$52.3 ₽4,454

-33.95%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$103 ₽8,801

-23.47%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$118 ₽10.0K

-33.97%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$506 ₽43.1K

122.61%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$318 ₽27.1K

111.98%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$975 ₽83.0K

271.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$666 ₽56.7K

160.36%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$1,722 ₽146.5K

64.27%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,236 ₽105.2K

86.57%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$737 ₽62.7K

-77.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

25.33

-45.60%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Saratov: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Saratov

$318 27.8% 52.8% $356

Groceries & Markets

Ubud, Bali

$290 21.4%

Saratov

$240 * 21% 17.2% $50

Eating Out

Ubud, Bali

$108 8%

Saratov

$208 * 18.2% 92.8% $100

Clothing & Footwear

Ubud, Bali

$106 7.8%

Saratov

$161 14.1% 51.5% $55

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Saratov

$135 11.8% 28.2% $30

Sport & Entertainment

Ubud, Bali

$64 4.7%

Saratov

$62 5.4% 2.2% $1.4

Getting Around

Ubud, Bali

$11 0.8%

Saratov

$20 1.7% 86% $9

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

Cost Breakdown

A central one-bedroom costs $1,127 in Ubud, Bali versus $506 in Saratov. 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 345% higher in Saratov, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Saratov

🕒 Local time

17:50 5:50 PM

13:50 1:50 PM

4 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

818,383

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

100 RUB = 1.18 USD

100 RUB = 1.05 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 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Russian Ruble exchange rates as of October 10, 2026: 1 USD = 85.09 RUB (100 RUB = 1.18 USD). 1 EUR = 95.35 RUB (100 RUB = 1.05 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Saratov 9,350 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Saratov

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 Saratov: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 16% more than Saratov, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,022 per month in Ubud, Bali and $1,740 in Saratov. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saratov, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 108% less in Saratov. For daily commuters, that gap adds up to noticeable savings over a year.

Groceries cost about 21% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Saratov, where all-in costs run around $1,160, than in Ubud, Bali at $1,348. In Saratov it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saratov costs $1,160 versus $1,348 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Saratov. 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.