Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Sumy

For one person, living is cheaper in Sumy: $941 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,900 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
46

Cost of Living Index in Sumy
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Sumy Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Sumy

🇺🇦 Ukraine

$941

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $941 in Sumy, rent included.

Ubud, Bali $1,349
Sumy $941

A couple spends around $2,305 per month in Ubud, Bali vs $1,610 in Sumy, rent included.

Ubud, Bali $2,305
Sumy $1,610

A family of three spends $3,261 per month in Ubud, Bali vs $2,279 in Sumy, rent included.

Ubud, Bali $3,261
Sumy $2,279

Ubud, Bali costs about 43% more than Sumy, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$10.89 ₴496

-69.51%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$32.99 ₴1,502

8.03%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$7.49 ₴341

-26.17%

Cappuccino

$2.72 Rp 49.3K

$1.80 ₴81.7

51.11%

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

$1.70 Rp 30.9K

$0.78 ₴35.63

117.95%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.53 ₴24.28

43.40%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.33 ₴60.7

99.25%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.94 ₴88.4

125.77%

Milk (1 liter)

$1.49 Rp 27.0K

$1.27 ₴58.1

17.32%

White Bread (500g)

$2.28 Rp 41.3K

$0.84 ₴38.32

171.43%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.42 ₴64.8

-16.20%

Eggs

$2.04 Rp 36.9K

$1.95 ₴88.6

4.62%

Local Cheese (1kg)

$17.70 Rp 321.1K

$10.13 ₴461

74.73%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$5.29 ₴241

-25.14%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$8.46 ₴385

44.09%

Apples (1kg)

$3.66 Rp 66.3K

$1.18 ₴53.7

210.17%

Banana (1kg)

$1.52 Rp 27.5K

$1.51 ₴68.6

0.66%

Oranges (1kg)

$2.23 Rp 40.4K

$1.81 ₴82.3

23.20%

Tomato (1kg)

$1.97 Rp 35.8K

$2.69 ₴122

-26.77%

Potato (1kg)

$1.85 Rp 33.5K

$0.58 ₴26.53

218.97%

Onion (1kg)

$2.42 Rp 44.0K

$0.44 ₴20.12

450.00%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.48 ₴67.4

-33.11%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.59 ₴26.89

-13.56%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.85 ₴130

-22.11%

Wine (Bottle)

$22.24 Rp 403.4K

$5.47 ₴249

306.58%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$0.85 ₴38.84

165.88%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$0.96 ₴43.65

209.38%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.32 ₴14.42

-21.88%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$9.23 ₴420

-15.28%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$2.20 ₴100

-80.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.46 ₴20.95

-6.52%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$4.20 ₴191

28.81%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.57 ₴71.5

-47.77%

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

$23.8K Rp 432.4M

$30.6K ₴1.4M

-21.96%

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

$31.7K Rp 575.9M

$24.1K ₴1.1M

31.98%

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

$79.1 Rp 1.4M

$99.1 ₴4,510

-20.19%

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

$6.45 Rp 116.9K

$6.80 ₴310

-5.15%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$6.53 ₴297

184.53%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$30.27 ₴1,378

63.46%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$20.95 ₴954

-15.75%

Cinema Ticket

$4.27 Rp 77.5K

$3.60 ₴164

18.61%

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

$491 Rp 8.9M

$229 ₴10.4K

114.11%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$15.0K ₴682.6K

-62.16%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$71.7 ₴3,262

-37.70%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$30.39 ₴1,384

15.00%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$94.6 ₴4,306

-15.51%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$116 ₴5,264

-31.30%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$544 ₴24.8K

106.85%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$303 ₴13.8K

121.57%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$992 ₴45.2K

259.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$822 ₴37.4K

109.68%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,081 ₴49.2K

152.63%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$845 ₴38.5K

170.25%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$378 ₴17.2K

-56.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

15.9

-13.33%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Sumy: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Sumy

$303 32.2% 54.9% $368

Groceries & Markets

Ubud, Bali

$288 21.4%

Sumy

$185 19.7% 35.8% $103

Eating Out

Ubud, Bali

$108 8%

Sumy

$147 15.6% 36.5% $39

Clothing & Footwear

Ubud, Bali

$108 8%

Sumy

$141 14.9% 30.7% $33

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Sumy

$112 12% 8% $8.3

Sport & Entertainment

Ubud, Bali

$58 4.3%

Sumy

$37 4% 35.4% $21

Getting Around

Ubud, Bali

$11 0.9%

Sumy

$15 1.6% 31.3% $3.6

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $544 in Sumy. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Sumy are about 2.3 times higher, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36 in Ubud, Bali versus $33 in Sumy. Monthly groceries follow the same trend: $288 vs $185 – making Sumy the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇺🇦 Sumy

🕒 Local time

18:52 6:52 PM

12:52 12:52 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

267,633

💱 Currency

Indonesian Rupiah IDR Rp

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 UAH = 2.2 USD

100 UAH = 1.97 EUR

Exchange rates and currency converter

UAH, 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).

Ukrainian Hryvnia exchange rates as of November 2, 2026: 1 USD = 45.53 UAH (100 UAH = 2.2 USD). 1 EUR = 50.81 UAH (100 UAH = 1.97 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Sumy 10,080 km ≈ 13 h nonstop flight

From you

Ubud, Bali
Sumy

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 Sumy: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 43% more than Sumy, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,411 in Sumy. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Sumy, especially for central apartments: a one-bedroom in the center costs $544 there versus $1,125 in Ubud, Bali.

Public transport costs about 15% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $491 per month in Ubud, Bali and $229 in Sumy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$800 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $941 in Sumy. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Sumy – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.