Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Terni

For one person, living is cheaper in Terni: $1,299 a month against $1,349 in Ubud, Bali, rent and utilities included – about $600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
63

Cost of Living Index in Terni
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Terni Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Terni

🇮🇹 Italy

$1,299

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $1,299 in Terni, rent included.

Ubud, Bali $1,349
Terni $1,299

A couple spends around $2,305 per month in Ubud, Bali vs $1,995 in Terni, rent included.

Ubud, Bali $2,305
Terni $1,995

A family of three spends $3,261 per month in Ubud, Bali vs $2,691 in Terni, rent included.

Ubud, Bali $3,261
Terni $2,691

Ubud, Bali costs about 4% more than Terni, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$16.55 €14.83

-79.94%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$66.7 €59.8

-46.58%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$13.54 €12.13

-59.16%

Cappuccino

$2.72 Rp 49.3K

$1.69 €1.51

60.95%

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

$1.70 Rp 30.9K

$2.54 €2.28

-33.07%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.03 €0.93

-26.21%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$4.35 €3.90

-39.08%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$5.74 €5.14

-23.69%

Milk (1 liter)

$1.49 Rp 27.0K

$1.22 €1.09

22.13%

White Bread (500g)

$2.28 Rp 41.3K

$1.70 €1.52

34.12%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.17 €1.95

-45.16%

Eggs

$2.04 Rp 36.9K

$3.82 €3.42

-46.60%

Local Cheese (1kg)

$17.70 Rp 321.1K

$13.38 €11.99

32.29%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$9.20 €8.25

-56.96%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$13.33 €11.95

-8.55%

Apples (1kg)

$3.66 Rp 66.3K

$1.13 €1.02

223.89%

Banana (1kg)

$1.52 Rp 27.5K

$1.13 €1.01

34.51%

Oranges (1kg)

$2.23 Rp 40.4K

$1.13 €1.01

97.35%

Tomato (1kg)

$1.97 Rp 35.8K

$2.27 €2.03

-13.22%

Potato (1kg)

$1.85 Rp 33.5K

$0.74 €0.67

150.00%

Onion (1kg)

$2.42 Rp 44.0K

$1.48 €1.32

63.51%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.75 €0.67

32.00%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.36 €0.32

41.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$6.59 €5.91

-66.31%

Wine (Bottle)

$22.24 Rp 403.4K

$8.00 €7.17

178.00%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.14 €1.02

98.25%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.51 €1.36

96.69%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$1.59 €1.42

-84.28%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$34.20 €30.65

-77.13%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$3.63 €3.26

-87.88%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.26 €1.13

-65.87%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$30.81 €27.61

-82.44%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.14 €1.92

-61.68%

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

$23.8K Rp 432.4M

$33.0K €29.6K

-27.85%

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

$31.7K Rp 575.9M

$36.3K €32.5K

-12.47%

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

$79.1 Rp 1.4M

$150 €135

-47.36%

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

$6.45 Rp 116.9K

$11.46 €10.27

-43.72%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$30.69 €27.50

-39.46%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$54.8 €49.12

-9.74%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$11.20 €10.03

57.59%

Cinema Ticket

$4.27 Rp 77.5K

$11.15 €9.99

-61.70%

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

$491 Rp 8.9M

$329 €295

49.03%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$16.5K €14.8K

-65.62%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$84.9 €76.1

-47.41%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$33.72 €30.22

3.65%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$106 €95.0

-24.61%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$78.4 €70.3

1.30%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$340 €304

231.31%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$357 €320

88.07%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$648 €581

450.08%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$519 €465

231.97%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,363 €1,222

100.39%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$784 €703

191.23%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,468 €1,316

-88.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.16

336.08%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Terni: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Terni

$357 27.5% 46.8% $314

Groceries & Markets

Ubud, Bali

$288 21.4%

Terni

$245 18.9% 15.1% $44

Eating Out

Ubud, Bali

$108 8%

Terni

$241 18.5% 124% $133

Clothing & Footwear

Ubud, Bali

$108 8%

Terni

$136 10.5% 26.8% $29

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Terni

$192 14.8% 84.8% $88

Sport & Entertainment

Ubud, Bali

$58 4.3%

Terni

$77 5.9% 32.9% $19

Getting Around

Ubud, Bali

$11 0.9%

Terni

$51 3.9% 342% $39

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $340 in Terni. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Terni are about 9 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 $67 in Terni. Groceries tell a different story – $288 in Ubud, Bali vs $245 in Terni – so Terni wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇮🇹 Terni

🕒 Local time

13:29 1:29 PM

06:29 6:29 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

106,677

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Ubud, Bali Terni 11,680 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Terni

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 Terni: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 4% more than Terni, 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 $1,949 in Terni. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Terni, especially for central apartments: a one-bedroom in the center costs $340 there versus $1,125 in Ubud, Bali.

Groceries cost about 18% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $36 in Ubud, Bali and $67 in Terni. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,299 in Terni. You’ll need shared housing and careful budgeting no matter which city you pick.

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