Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Semey

For one person, living is cheaper in Semey: $712 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
34

Cost of Living Index in Semey
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Semey Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Semey

🇰🇿 Kazakhstan

$712

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $712 in Semey.

Ubud, Bali $1,349
Semey $712

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,148 in Semey.

Ubud, Bali $2,305
Semey $1,148

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,584 in Semey.

Ubud, Bali $3,261
Semey $1,584

Living in Ubud, Bali is roughly 89% more expensive than in Semey, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$4.93 ₸2,235

-32.66%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$21.82 ₸9,898

63.34%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$5.49 ₸2,491

0.73%

Cappuccino

$2.72 Rp 49.3K

$1.70 ₸771

60.00%

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

$1.70 Rp 30.9K

$0.76 ₸345

123.68%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.48 ₸216

58.33%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$0.91 ₸412

191.21%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.35 ₸614

224.44%

Milk (1 liter)

$1.49 Rp 27.0K

$1.03 ₸469

44.66%

White Bread (500g)

$2.28 Rp 41.3K

$0.37 ₸167

516.22%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.86 ₸845

-36.02%

Eggs

$2.04 Rp 36.9K

$1.53 ₸693

33.33%

Local Cheese (1kg)

$17.70 Rp 321.1K

$5.36 ₸2,432

230.22%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$3.86 ₸1,751

2.59%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$5.43 ₸2,461

124.49%

Apples (1kg)

$3.66 Rp 66.3K

$1.23 ₸559

197.56%

Banana (1kg)

$1.52 Rp 27.5K

$1.65 ₸748

-7.88%

Oranges (1kg)

$2.23 Rp 40.4K

$1.72 ₸781

29.65%

Tomato (1kg)

$1.97 Rp 35.8K

$1.69 ₸768

16.57%

Potato (1kg)

$1.85 Rp 33.5K

$0.39 ₸176

374.36%

Onion (1kg)

$2.42 Rp 44.0K

$0.60 ₸274

303.33%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.02 ₸461

-2.94%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.99 ₸448

-48.48%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.46 ₸1,116

-9.76%

Wine (Bottle)

$22.24 Rp 403.4K

$7.24 ₸3,282

207.18%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.31 ₸596

72.52%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.20 ₸998

35.00%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.25 ₸114

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$15.69 ₸7,119

-50.16%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$1.29 ₸586

-65.89%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.14 ₸515

-62.28%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$6.54 ₸2,968

-17.28%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.65 ₸293

26.15%

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

$23.8K Rp 432.4M

$32.4K ₸14.7M

-26.35%

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

$31.7K Rp 575.9M

$26.3K ₸11.9M

20.82%

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

$79.1 Rp 1.4M

$33.66 ₸15.3K

134.88%

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

$6.45 Rp 116.9K

$9.01 ₸4,088

-28.41%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$18.84 ₸8,544

-1.38%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$42.36 ₸19.2K

16.81%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$11.23 ₸5,095

57.17%

Cinema Ticket

$4.27 Rp 77.5K

$4.39 ₸1,993

-2.73%

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

$491 Rp 8.9M

$132 ₸60.0K

270.81%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$4,406 ₸2.0M

28.76%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$28.90 ₸13.1K

54.46%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$25.47 ₸11.6K

37.22%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$100 ₸45.4K

-20.14%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$76.6 ₸34.7K

3.69%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$339 ₸153.5K

232.29%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$229 ₸103.8K

193.50%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$611 ₸276.9K

483.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$489 ₸221.6K

252.77%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,205 ₸546.7K

126.66%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$739 ₸335.4K

208.93%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

19.25

-28.42%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Semey: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Semey

$229 32.2% 65.9% $443

Groceries & Markets

Ubud, Bali

$288 21.4%

Semey

$154 21.7% 46.5% $134

Eating Out

Ubud, Bali

$108 8%

Semey

$88 12.4% 17.8% $19

Clothing & Footwear

Ubud, Bali

$108 8%

Semey

$104 14.6% 3.3% $3.6

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Semey

$62 8.6% 40.9% $43

Sport & Entertainment

Ubud, Bali

$58 4.3%

Semey

$51 7.2% 11.9% $6.9

Getting Around

Ubud, Bali

$11 0.9%

Semey

$24 3.3% 107% $12

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $339 in Semey. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $22 in Semey for a mid-range dinner for two. Groceries echo the gap at $288 vs $154 per month, with Semey cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇰🇿 Semey

🕒 Local time

22:30 10:30 PM

19:30 7:30 PM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

310,456

💱 Currency

Indonesian Rupiah IDR Rp

Kazakhstani Tenge KZT ₸

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1,000 KZT = 2.2 USD

1,000 KZT = 1.98 EUR

Exchange rates and currency converter

KZT, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

Kazakhstani Tenge exchange rates as of November 2, 2026: 1 USD = 454 KZT (1,000 KZT = 2.2 USD). 1 EUR = 506 KZT (1,000 KZT = 1.98 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Semey 7,370 km ≈ 10 h nonstop flight

From you

Ubud, Bali
Semey

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 Semey: Cost of Living - Frequently Asked Questions

Semey is about 47% cheaper overall, especially in groceries, eating out, and leisure. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $1,068 in Semey to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,125 in Ubud, Bali versus $339 in Semey. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 50% less than in Semey. The price difference matters if you commute daily and watch your budget.

Childcare runs $491 in Ubud, Bali versus $132 in Semey. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $712 in Semey versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Semey but tight or insufficient in Ubud, Bali. The gap between the two cities makes Semey 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.