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

Monthly Cost of Living

Monthly costs for one person with rent: $1,397 in Ubud, Bali versus $574 in Ternopil.

Estimated couple costs with rent: $2,588 in Ubud, Bali versus $911 in Ternopil.

Monthly costs for a family of three with rent: $3,778 in Ubud, Bali versus $1,248 in Ternopil.

Living in Ubud, Bali is roughly 144% more expensive than in Ternopil, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Ternopil is 57% below.

Meal at Budget Restaurant

$3.43 Rp 61.4K

$4.96 ₴222

-30.85%

Three-Course Dinner for Two, Mid-Range

$31.97 Rp 572.4K

$19.36 ₴866

65.13%

Fast Food Meal (McDonalds, etc)

$5.05 Rp 90.4K

$5.88 ₴263

-14.12%

Cappuccino

$2.71 Rp 48.6K

$0.87 ₴38.85

211.49%

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

$1.39 Rp 24.9K

$0.61 ₴27.43

127.87%

Water (0.33 liter bottle)

$0.74 Rp 13.3K

$0.30 ₴13.22

146.67%

Local Beer (0.5 liter draught)

$2.89 Rp 51.8K

$0.86 ₴38.33

236.05%

Imported Beer (0.33 liter bottle)

$3.79 Rp 67.9K

$1.20 ₴53.6

215.83%

Milk (1 liter)

$1.79 Rp 32.1K

$1.01 ₴45.04

77.23%

White Bread (500g)

$2.51 Rp 44.9K

$0.48 ₴21.42

422.92%

Rice (white) (1kg)

$1.21 Rp 21.7K

$1.28 ₴57.1

-5.47%

Eggs

$2.37 Rp 42.4K

$1.49 ₴66.7

59.06%

Local Cheese (1kg)

$14.43 Rp 258.4K

$4.76 ₴213

203.15%

Chicken Fillets (1kg)

$4.15 Rp 74.3K

$3.78 ₴169

9.79%

Beef Round Steak (1kg)

$12.11 Rp 216.9K

$4.80 ₴215

152.29%

Apples (1kg)

$3.77 Rp 67.5K

$0.88 ₴39.46

328.41%

Banana (1kg)

$1.63 Rp 29.1K

$1.54 ₴68.9

5.84%

Oranges (1kg)

$2.71 Rp 48.5K

$2.15 ₴96.3

26.05%

Tomato (1kg)

$2.26 Rp 40.4K

$1.70 ₴76.1

32.94%

Potato (1kg)

$1.93 Rp 34.5K

$0.58 ₴25.94

232.76%

Onion (1kg)

$2.19 Rp 39.3K

$0.62 ₴27.64

253.23%

Lettuce (1 head)

$1.02 Rp 18.2K

$1.24 ₴55.7

-17.74%

Water (1.5 liter bottle)

$0.72 Rp 12.8K

$0.41 ₴18.28

75.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.0K

$2.15 ₴96.2

47.91%

Wine (Bottle)

$23.84 Rp 426.8K

$3.31 ₴148

620.24%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.7K

$0.89 ₴39.72

211.24%

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.3K

$1.23 ₴55.1

123.58%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.37 ₴16.74

-27.03%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 146.8K

Taxi Start (Normal Tariff)

$0.48 Rp 8,653

$0.81 ₴36.47

-40.74%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.23 ₴10.24

82.61%

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 107.9K

$2.86 ₴128

110.84%

Gasoline (1 liter)

$0.82 Rp 14.7K

$1.35 ₴60.3

-39.26%

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

$26.6K Rp 475.6M

$30.4K ₴1.4M

-12.69%

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

$32.2K Rp 576.6M

$24.9K ₴1.1M

29.20%

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

$78.3 Rp 1.4M

$60.4 ₴2,704

29.53%

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

$3.91 Rp 70.1K

$5.43 ₴243

-27.99%

Internet (50+ Mbps, Unlimited Data)

$23.91 Rp 428.2K

$6.28 ₴281

280.73%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$22.67 ₴1,015

324.26%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 116.8K

$12.38 ₴554

-47.25%

Cinema Ticket

$4.01 Rp 71.9K

$4.33 ₴194

-7.39%

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

$303 Rp 5.4M

$269 ₴12.0K

12.55%

International Primary School, 1 Child (Yearly)

$6,551 Rp 117.3M

$3,456 ₴154.7K

89.54%

Jeans (Levis 501 Or Similar)

$55.3 Rp 990.4K

$42.71 ₴1,911

29.50%

Summer Dress (H&M, Zara, etc)

$38.32 Rp 686.1K

$24.58 ₴1,100

55.90%

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

$73.5 ₴3,291

20.32%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$85.0 ₴3,802

-9.68%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.6M

$261 ₴11.7K

277.48%

1-bedroom Apartment, Outside City Center (Monthly)

$682 Rp 12.2M

$158 ₴7,088

330.57%

3-bedroom Apartment, City Center (Monthly)

$3,420 Rp 61.2M

$358 ₴16.0K

854.78%

3-bedroom Apartment, Outside City Center (Monthly)

$2,075 Rp 37.1M

$286 ₴12.8K

626.13%

Buy Apartment in City Center (m2)

$2,762 Rp 49.5M

$1,009 ₴45.1K

173.85%

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.2M

$499 ₴22.3K

349.70%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$481 ₴21.5K

-64.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

66.00%

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

Last update for Ubud, Bali: July 22, 2026

Last update for Ternopil: July 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $261 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 185% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $19.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $298 vs $131 per month, with Ternopil 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 Ternopil: Cost of Living - Frequently Asked Questions

Ubud, Bali and Ternopil differ by about 144% in total monthly costs ($1,397 vs $574 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 185% lower in Ternopil. 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: $986 in Ubud, Bali versus $261 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $269 in Ternopil. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ternopil – a meal for two runs $19.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $574 in Ternopil versus $1,397 in Ubud, Bali, a $2,000 budget is realistic in Ternopil but tight or insufficient in Ubud, Bali. The gap between the two cities makes Ternopil 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.

Safety-wise, Ubud, Bali and Ternopil 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 Ternopil gentler on the wallet – expenses run 144% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.