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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $689 in Semey.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $1,093 in Semey.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,497 in Semey.

Living in Ubud, Bali is roughly 104% more expensive than Semey, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Semey is 49% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$4.49 ₸2,194

-20.49%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$27.81 ₸13.6K

16.86%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$4.86 ₸2,375

Cappuccino

$2.75 Rp 49.2K

$1.59 ₸775

72.96%

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

$1.32 Rp 23.7K

$0.92 ₸448

43.48%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.55 ₸269

27.27%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.18 ₸578

146.61%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$1.81 ₸886

109.39%

Milk (1 liter)

$1.71 Rp 30.6K

$0.68 ₸332

151.47%

White Bread (500g)

$2.47 Rp 44.3K

$0.32 ₸156

671.88%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.60 ₸780

-25.00%

Eggs

$2.44 Rp 43.8K

$1.28 ₸623

90.62%

Local Cheese (1kg)

$14.38 Rp 257.7K

$8.91 ₸4,350

61.39%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$4.63 ₸2,262

-6.91%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$7.05 ₸3,441

73.19%

Apples (1kg)

$3.68 Rp 66.0K

$1.34 ₸655

174.63%

Banana (1kg)

$1.55 Rp 27.8K

$1.95 ₸950

-20.51%

Oranges (1kg)

$2.79 Rp 49.9K

$1.93 ₸943

44.56%

Tomato (1kg)

$2.33 Rp 41.8K

$1.91 ₸933

21.99%

Potato (1kg)

$1.97 Rp 35.3K

$0.55 ₸266

258.18%

Onion (1kg)

$2.31 Rp 41.4K

$0.38 ₸184

507.89%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.94 ₸461

12.77%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.76 ₸372

-3.95%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$2.57 ₸1,253

27.63%

Wine (Bottle)

$22.79 Rp 408.4K

$6.68 ₸3,263

241.17%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$0.98 ₸479

186.73%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.54 ₸753

80.52%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.22 ₸109

31.82%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$0.95 ₸465

-52.63%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.67 ₸326

-32.84%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$4.76 ₸2,326

31.09%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.47 ₸228

80.85%

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

$26.0K Rp 465.4M

$20.4K ₸10.0M

27.47%

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

$31.7K Rp 567.2M

$24.6K ₸12.0M

28.65%

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

$80.8 Rp 1.4M

$50.4 ₸24.6K

60.09%

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

$4.06 Rp 72.7K

$8.66 ₸4,232

-53.12%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$12.96 ₸6,330

88.43%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$33.37 ₸16.3K

192.69%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$9.92 ₸4,846

-34.98%

Cinema Ticket

$4.04 Rp 72.4K

$4.35 ₸2,125

-7.13%

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

$304 Rp 5.4M

$212 ₸103.6K

43.36%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$4,930 ₸2.4M

34.30%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$57.1 ₸27.9K

-5.09%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$34.79 ₸17.0K

11.47%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$87.3 ₸42.6K

-1.35%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$78.4 ₸38.3K

-2.16%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$320 ₸156.2K

208.24%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$199 ₸97.4K

229.82%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$518 ₸252.9K

550.72%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$395 ₸192.9K

422.93%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

18.39

-27.79%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Semey: June 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $320 in Semey. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $28.00 in Semey for a mid-range dinner for two. Groceries echo the gap at $297 vs $165 per month, with Semey 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 Semey: Cost of Living - Frequently Asked Questions

Semey is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 104% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,106 in Ubud, Bali and $1,034 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: $986 in Ubud, Bali versus $320 in Semey. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $212 in Semey. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Semey – a meal for two runs $28.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $689 in Semey versus $1,404 in Ubud, Bali, a $1,500 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.

For families, Semey is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Semey 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 Semey gentler on the wallet – expenses run 104% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.