Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Sinjar

For one person, living is cheaper in Sinjar: $540 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,700 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
26

Cost of Living Index in Sinjar
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Sinjar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Sinjar

🇮🇶 Iraq

$540

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $540 in Sinjar.

Ubud, Bali $1,349
Sinjar $540

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $842 in Sinjar.

Ubud, Bali $2,305
Sinjar $842

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,145 in Sinjar.

Ubud, Bali $3,261
Sinjar $1,145

Living in Ubud, Bali is roughly 150% more expensive than in Sinjar, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 59.9K

$4.07 IQD 6,152

-18.43%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 642.4K

$7.72 IQD 11.7K

361.66%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 99.7K

$7.14 IQD 10.8K

-22.55%

Cappuccino

$2.72 Rp 49.0K

$0.68 IQD 1,023

300.00%

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

$1.70 Rp 30.7K

$0.34 IQD 519

400.00%

Water (0.33 liter bottle)

$0.76 Rp 13.7K

$0.17 IQD 263

347.06%

Local Beer (0.5 liter draught)

$2.65 Rp 47.8K

$0.97 IQD 1,470

173.20%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.0K

$1.69 IQD 2,557

159.17%

Milk (1 liter)

$1.49 Rp 26.9K

$0.69 IQD 1,041

115.94%

White Bread (500g)

$2.28 Rp 41.0K

$0.69 IQD 1,037

230.43%

Rice (white) (1kg)

$1.19 Rp 21.5K

$0.63 IQD 955

88.89%

Eggs

$2.04 Rp 36.7K

$1.57 IQD 2,374

29.94%

Local Cheese (1kg)

$17.70 Rp 319.1K

$2.00 IQD 3,030

785.00%

Chicken Fillets (1kg)

$3.96 Rp 71.4K

$4.05 IQD 6,124

-2.22%

Beef Round Steak (1kg)

$12.19 Rp 219.7K

$10.39 IQD 15.7K

17.32%

Apples (1kg)

$3.66 Rp 65.9K

$0.69 IQD 1,037

430.43%

Banana (1kg)

$1.52 Rp 27.4K

$0.67 IQD 1,017

126.87%

Oranges (1kg)

$2.23 Rp 40.2K

$0.63 IQD 952

253.97%

Tomato (1kg)

$1.97 Rp 35.6K

$0.68 IQD 1,024

189.71%

Potato (1kg)

$1.85 Rp 33.3K

$0.65 IQD 977

184.62%

Onion (1kg)

$2.42 Rp 43.7K

$0.59 IQD 894

310.17%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.66 IQD 993

50.00%

Water (1.5 liter bottle)

$0.51 Rp 9,255

$0.32 IQD 477

59.38%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.0K

$1.63 IQD 2,458

36.20%

Wine (Bottle)

$22.24 Rp 400.9K

$6.44 IQD 9,726

245.34%

Local Beer (0.5 liter bottle)

$2.26 Rp 40.7K

$1.01 IQD 1,522

123.76%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.5K

$1.63 IQD 2,466

82.21%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

$0.30 IQD 456

-16.67%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,923

$1.62 IQD 2,443

-72.84%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,753

$1.53 IQD 2,318

-71.90%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 97.5K

$5.51 IQD 8,319

-1.81%

Gasoline (1 liter)

$0.82 Rp 14.9K

$0.29 IQD 437

182.76%

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

$23.8K Rp 429.7M

$16.2K IQD 24.5M

47.00%

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

$31.7K Rp 572.3M

$17.1K IQD 25.9M

85.45%

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

$79.1 Rp 1.4M

$39.11 IQD 59.1K

102.15%

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

$6.45 Rp 116.2K

$12.27 IQD 18.5K

-47.43%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 334.9K

$24.36 IQD 36.8K

-23.73%

Gym Membership (Monthly)

$49.48 Rp 892.0K

$37.27 IQD 56.3K

32.76%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

$33.40 IQD 50.5K

-47.16%

Cinema Ticket

$4.27 Rp 77.0K

$9.76 IQD 14.7K

-56.25%

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

$491 Rp 8.8M

$292 IQD 441.8K

67.76%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.3M

$2,747 IQD 4.2M

106.53%

Jeans (Levis 501 Or Similar)

$44.64 Rp 804.7K

$10.19 IQD 15.4K

338.08%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 630.1K

$9.82 IQD 14.8K

255.91%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$59.4 IQD 89.7K

34.58%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$58.8 IQD 88.8K

35.11%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

$211 IQD 318.4K

433.84%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

$138 IQD 208.5K

386.69%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.3M

$412 IQD 623.1K

764.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

$281 IQD 424.3K

513.65%

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

$733 IQD 1.1M

272.88%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

$552 IQD 834.2K

313.69%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$197 IQD 297.0K

-16.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.53

444.66%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Sinjar: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Sinjar

$138 25.6% 79.5% $534

Groceries & Markets

Ubud, Bali

$288 21.4%

Sinjar

$124 23% 57% $164

Eating Out

Ubud, Bali

$108 8%

Sinjar

$72 13.4% 32.7% $35

Clothing & Footwear

Ubud, Bali

$108 8%

Sinjar

$62 11.5% 42.2% $45

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Sinjar

$76 14% 27.2% $28

Sport & Entertainment

Ubud, Bali

$58 4.3%

Sinjar

$57 10.5% 2.1% $1.2

Getting Around

Ubud, Bali

$11 0.9%

Sinjar

$11 * 1.9% 8.1% $0.9

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $211 in Sinjar. Housing cost is often the main lever when comparing two cities.

Sinjar pays 20% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $8 in Sinjar for a mid-range dinner for two. Groceries echo the gap at $288 vs $124 per month, with Sinjar cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Sinjar

🕒 Local time

22:27 10:27 PM

17:27 5:27 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

88,023

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.95 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

Iraqi Dinar exchange rates as of October 28, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,682 IQD (10,000 IQD = 5.95 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Sinjar 9,110 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Sinjar

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 Sinjar: Cost of Living - Frequently Asked Questions

Ubud, Bali and Sinjar differ by about 150% in total monthly costs ($1,349 vs $540 including rent). Sinjar is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 17% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $211 in Sinjar. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 132% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $540 in Sinjar – a 150% gap that adds up to real savings over time for anyone picking the cheaper option.

At $540 in Sinjar versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Sinjar but tight or insufficient in Ubud, Bali. The gap between the two cities makes Sinjar 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.