Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Seinajoki

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,684 in Seinajoki, rent and utilities included – about $4,000 less a year. The total is higher in Seinajoki despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
82

Cost of Living Index in Seinajoki
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Seinajoki Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Seinajoki

🇫🇮 Finland

$1,684

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,684 in Seinajoki.

Ubud, Bali $1,353
Seinajoki $1,684

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,208 in Seinajoki.

Ubud, Bali $2,297
Seinajoki $2,208

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,732 in Seinajoki.

Ubud, Bali $3,241
Seinajoki $2,732

Living in Ubud, Bali costs roughly 20% less than in Seinajoki, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Seinajoki 24% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$15.84 €14.09

-79.61%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$91.1 €81.0

-61.71%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$11.43 €10.17

-50.13%

Cappuccino

$2.62 Rp 47.1K

$4.94 €4.40

-46.96%

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

$1.72 Rp 31.0K

$2.87 €2.55

-40.07%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.88 €1.68

-56.91%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$6.61 €5.88

-59.91%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$6.61 €5.88

-33.89%

Milk (1 liter)

$1.57 Rp 28.3K

$1.20 €1.07

30.83%

White Bread (500g)

$2.19 Rp 39.5K

$2.25 €2.00

-2.67%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.72 €1.53

-31.40%

Eggs

$2.16 Rp 38.8K

$3.10 €2.76

-30.32%

Local Cheese (1kg)

$17.65 Rp 317.7K

$7.58 €6.74

132.85%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$13.67 €12.16

-72.35%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$20.90 €18.59

-42.82%

Apples (1kg)

$3.60 Rp 64.8K

$2.22 €1.98

62.16%

Banana (1kg)

$1.59 Rp 28.6K

$1.97 €1.75

-19.29%

Oranges (1kg)

$2.31 Rp 41.6K

$2.05 €1.82

12.68%

Tomato (1kg)

$1.91 Rp 34.3K

$4.41 €3.93

-56.69%

Potato (1kg)

$1.78 Rp 32.1K

$1.04 €0.92

71.15%

Onion (1kg)

$2.33 Rp 41.9K

$1.66 €1.47

40.36%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.44 €1.28

-30.56%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$1.66 €1.48

-68.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$12.87 €11.44

-82.21%

Wine (Bottle)

$22.07 Rp 397.3K

$12.48 €11.10

76.84%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$2.81 €2.50

-16.37%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.95 €1.73

52.82%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$3.30 €2.93

-93.03%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$39.51 €35.15

-77.47%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$8.73 €7.77

-94.62%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.34 €1.19

-67.91%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$55.5 €49.35

-90.14%

Gasoline (1 liter)

$0.83 Rp 14.9K

$2.05 €1.82

-59.51%

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

$23.9K Rp 429.8M

$37.0K €32.9K

-35.46%

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

$32.8K Rp 590.1M

$37.9K €33.7K

-13.59%

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

$80.0 Rp 1.4M

$118 €105

-32.27%

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

$6.56 Rp 118.1K

$25.83 €22.98

-74.60%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$21.64 €19.25

-14.05%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$34.03 €30.27

59.04%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$17.47 €15.54

-75.67%

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

$493 Rp 8.9M

$349 €310

41.30%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$93.3 €83.0

-51.12%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$44.83 €39.88

-22.02%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$107 €95.3

-27.48%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$216 €192

-63.62%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$664 €590

70.50%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$553 €492

21.74%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,824 €2,512

-94.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.8

262.63%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Seinajoki: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Seinajoki

$553 32.8% 17.9% $120

Groceries & Markets

Ubud, Bali

$287 21.2%

Seinajoki

$336 19.9% 16.9% $49

Clothing & Footwear

Ubud, Bali

$107 7.9%

Seinajoki

$207 12.3% 94.7% $101

Eating Out

Ubud, Bali

$106 7.9%

Seinajoki

$286 17% 168% $179

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Seinajoki

$166 9.8% 57.4% $60

Sport & Entertainment

Ubud, Bali

$63 4.6%

Seinajoki

$69 4.1% 10.1% $6.3

Getting Around

Ubud, Bali

$12 0.9%

Seinajoki

$68 4% 448% $56

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $664 in Seinajoki. Housing cost is often the main lever when comparing two cities.

Seinajoki pays 1598% 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: $35.00 in Ubud, Bali vs $91.0 in Seinajoki for a mid-range dinner for two. Groceries echo the gap at $287 vs $336 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Seinajoki

🕒 Local time

19:43 7:43 PM

14:43 2:43 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

66,157

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Seinajoki 10,970 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Seinajoki

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 Seinajoki: Cost of Living - Frequently Asked Questions

Ubud, Bali and Seinajoki differ by about 24% in total monthly costs ($1,353 vs $1,684 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 1598% 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: $1,131 in Ubud, Bali versus $664 in Seinajoki. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 17% 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 $35.00 versus $91.0 in Seinajoki. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,353 in Ubud, Bali versus $1,684 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 24% less than in Seinajoki. Beyond cost, consider language, visa policies, and how big the international community is in each city.