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

Monthly Cost of Living

Monthly costs for one person with rent: $1,397 in Ubud, Bali versus $1,578 in Seinajoki.

Estimated couple costs with rent: $2,588 in Ubud, Bali versus $2,496 in Seinajoki.

Monthly costs for a family of three with rent: $3,778 in Ubud, Bali versus $3,413 in Seinajoki.

Living in Ubud, Bali costs roughly 11% less than in Seinajoki, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Seinajoki 18% above.

Meal at Budget Restaurant

$3.43 Rp 61.4K

$14.76 €12.93

-76.76%

Three-Course Dinner for Two, Mid-Range

$31.97 Rp 572.4K

$93.1 €81.6

-65.68%

Fast Food Meal (McDonalds, etc)

$5.05 Rp 90.4K

$10.48 €9.18

-51.81%

Cappuccino

$2.71 Rp 48.6K

$4.96 €4.35

-45.36%

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

$1.39 Rp 24.9K

$2.26 €1.98

-38.50%

Water (0.33 liter bottle)

$0.74 Rp 13.3K

$1.95 €1.71

-62.05%

Local Beer (0.5 liter draught)

$2.89 Rp 51.8K

$8.13 €7.12

-64.45%

Imported Beer (0.33 liter bottle)

$3.79 Rp 67.9K

$8.27 €7.25

-54.17%

Milk (1 liter)

$1.79 Rp 32.1K

$1.13 €0.99

58.41%

White Bread (500g)

$2.51 Rp 44.9K

$1.91 €1.68

31.41%

Rice (white) (1kg)

$1.21 Rp 21.7K

$1.94 €1.70

-37.63%

Eggs

$2.37 Rp 42.4K

$3.38 €2.96

-29.88%

Local Cheese (1kg)

$14.43 Rp 258.4K

$7.84 €6.87

84.06%

Chicken Fillets (1kg)

$4.15 Rp 74.3K

$13.24 €11.60

-68.66%

Beef Round Steak (1kg)

$12.11 Rp 216.9K

$16.30 €14.28

-25.71%

Apples (1kg)

$3.77 Rp 67.5K

$2.53 €2.21

49.01%

Banana (1kg)

$1.63 Rp 29.1K

$1.98 €1.73

-17.68%

Oranges (1kg)

$2.71 Rp 48.5K

$2.03 €1.78

33.50%

Tomato (1kg)

$2.26 Rp 40.4K

$4.19 €3.67

-46.06%

Potato (1kg)

$1.93 Rp 34.5K

$1.20 €1.05

60.83%

Onion (1kg)

$2.19 Rp 39.3K

$1.80 €1.58

21.67%

Lettuce (1 head)

$1.02 Rp 18.2K

$1.86 €1.63

-45.16%

Water (1.5 liter bottle)

$0.72 Rp 12.8K

$1.44 €1.26

-50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.0K

$11.70 €10.25

-72.82%

Wine (Bottle)

$23.84 Rp 426.8K

$12.72 €11.14

87.42%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.7K

$2.73 €2.39

1.47%

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.3K

$2.85 €2.50

-3.51%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$3.53 €3.09

-92.35%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 146.8K

$38.03 €33.32

-78.44%

Taxi Start (Normal Tariff)

$0.48 Rp 8,653

$7.39 €6.47

-93.50%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.11 €0.97

-62.16%

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 107.9K

$61.9 €54.2

-90.25%

Gasoline (1 liter)

$0.82 Rp 14.7K

$2.12 €1.86

-61.32%

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

$26.6K Rp 475.6M

$33.4K €29.3K

-20.54%

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

$32.2K Rp 576.6M

$38.2K €33.5K

-15.72%

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

$78.3 Rp 1.4M

$94.0 €82.4

-16.76%

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

$3.91 Rp 70.1K

$30.89 €27.06

-87.34%

Internet (50+ Mbps, Unlimited Data)

$23.91 Rp 428.2K

$27.81 €24.37

-14.02%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$34.95 €30.62

175.19%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 116.8K

$28.56 €25.02

-77.14%

Cinema Ticket

$4.01 Rp 71.9K

$17.34 €15.19

-76.87%

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

$303 Rp 5.4M

$368 €322

-17.76%

International Primary School, 1 Child (Yearly)

$6,551 Rp 117.3M

$11.2K €9,847

-41.72%

Jeans (Levis 501 Or Similar)

$55.3 Rp 990.4K

$91.7 €80.4

-39.70%

Summer Dress (H&M, Zara, etc)

$38.32 Rp 686.1K

$34.21 €29.97

12.01%

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

$88.3 €77.4

0.18%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$103 €90.0

-25.26%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.6M

$631 €553

56.23%

1-bedroom Apartment, Outside City Center (Monthly)

$682 Rp 12.2M

$530 €465

28.62%

3-bedroom Apartment, City Center (Monthly)

$3,420 Rp 61.2M

$970 €850

252.65%

3-bedroom Apartment, Outside City Center (Monthly)

$2,075 Rp 37.1M

$795 €697

160.82%

Buy Apartment in City Center (m2)

$2,762 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.2M

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$2,868 €2,513

-94.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.4

290.59%

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

Last update for Ubud, Bali: July 22, 2026

Last update for Seinajoki: July 21, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $631 in Seinajoki. Housing cost is often the main lever when comparing two cities.

Seinajoki pays 1600% 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 $93.0 in Seinajoki for a mid-range dinner for two. Groceries echo the gap at $298 vs $321 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 Seinajoki: Cost of Living - Frequently Asked Questions

Ubud, Bali and Seinajoki differ by about 13% in total monthly costs ($1,397 vs $1,578 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 1600% lower in Seinajoki. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $986 in Ubud, Bali versus $631 in Seinajoki. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 7% higher in Seinajoki. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $32.00 versus $93.0 in Seinajoki. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,397 in Ubud, Bali versus $1,578 in Seinajoki, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Seinajoki. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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 Seinajoki 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 13% less than in Seinajoki. Beyond cost, consider language, visa policies, and how big the international community is in each city.