Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ternopil

For one person, living is cheaper in Ternopil: $690 a month against $1,353 in Ubud, Bali, rent and utilities included – about $8,000 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
33

Cost of Living Index in Ternopil
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Ternopil Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Ternopil

🇺🇦 Ukraine

$690

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $690 in Ternopil.

Ubud, Bali $1,353
Ternopil $690

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,143 in Ternopil.

Ubud, Bali $2,297
Ternopil $1,143

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $1,595 in Ternopil.

Ubud, Bali $3,241
Ternopil $1,595

Living in Ubud, Bali is roughly 96% more expensive than in Ternopil, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Ternopil is 49% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$3.36 ₴151

-3.87%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$20.07 ₴901

73.79%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.45 ₴245

4.59%

Cappuccino

$2.62 Rp 47.1K

$1.22 ₴54.6

114.75%

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

$1.72 Rp 31.0K

$0.69 ₴30.83

149.28%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.51 ₴22.79

58.82%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$0.90 ₴40.56

194.44%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$1.54 ₴69.1

183.77%

Milk (1 liter)

$1.57 Rp 28.3K

$1.34 ₴60.2

17.16%

White Bread (500g)

$2.19 Rp 39.5K

$0.72 ₴32.38

204.17%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.00 ₴89.8

-41.00%

Eggs

$2.16 Rp 38.8K

$1.96 ₴87.8

10.20%

Local Cheese (1kg)

$17.65 Rp 317.7K

$7.95 ₴357

122.01%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$3.99 ₴179

-5.26%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$5.93 ₴266

101.52%

Apples (1kg)

$3.60 Rp 64.8K

$0.72 ₴32.20

400.00%

Banana (1kg)

$1.59 Rp 28.6K

$1.58 ₴70.8

0.63%

Oranges (1kg)

$2.31 Rp 41.6K

$1.43 ₴64.2

61.54%

Tomato (1kg)

$1.91 Rp 34.3K

$2.73 ₴123

-30.04%

Potato (1kg)

$1.78 Rp 32.1K

$0.54 ₴24.26

229.63%

Onion (1kg)

$2.33 Rp 41.9K

$0.39 ₴17.59

497.44%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.36 ₴61.3

-26.47%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.52 ₴23.17

1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.69 ₴121

-14.87%

Wine (Bottle)

$22.07 Rp 397.3K

$3.25 ₴146

579.08%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$0.88 ₴39.52

167.05%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.35 ₴106

26.81%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.39 ₴17.61

-41.03%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.42 ₴63.7

-66.90%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.37 ₴16.82

16.22%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$4.08 ₴183

34.07%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.57 ₴70.7

-47.13%

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

$23.9K Rp 429.8M

$31.5K ₴1.4M

-24.23%

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

$32.8K Rp 590.1M

$25.1K ₴1.1M

30.47%

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

$80.0 Rp 1.4M

$55.4 ₴2,488

44.31%

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

$6.56 Rp 118.1K

$4.74 ₴213

38.40%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$4.92 ₴221

278.05%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$20.69 ₴929

161.58%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$13.84 ₴621

32.08%

Cinema Ticket

$4.25 Rp 76.5K

$3.59 ₴161

18.38%

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

$493 Rp 8.9M

$245 ₴11.0K

101.28%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$49.54 ₴2,224

-7.99%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$46.86 ₴2,103

-25.39%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$98.6 ₴4,425

-21.17%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$90.1 ₴4,043

-12.82%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$297 ₴13.3K

281.28%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$234 ₴10.5K

187.49%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$564 ₴25.3K

540.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$551 ₴24.7K

208.69%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$994 ₴44.6K

173.26%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$504 ₴22.6K

344.31%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$487 ₴21.9K

-65.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-37.36%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Ternopil: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Ternopil

$234 33.9% 65.2% $439

Groceries & Markets

Ubud, Bali

$287 21.2%

Ternopil

$160 23.2% 44.2% $127

Clothing & Footwear

Ubud, Bali

$107 7.9%

Ternopil

$128 18.6% 20.4% $22

Eating Out

Ubud, Bali

$106 7.9%

Ternopil

$70 10.2% 34% $36

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Ternopil

$65 9.4% 38.1% $40

Sport & Entertainment

Ubud, Bali

$63 4.6%

Ternopil

$28 4% 55.5% $35

Getting Around

Ubud, Bali

$12 0.9%

Ternopil

$4.9 * 0.7% 60.9% $7.6

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 $1,131 in Ubud, Bali and $297 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 193% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $20.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $287 vs $160 per month, with Ternopil cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇦 Ternopil

🕒 Local time

16:10 4:10 PM

11:10 11:10 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

218,134

💱 Currency

Indonesian Rupiah IDR Rp

Ukrainian Hryvnia UAH ₴

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 UAH = 2.23 USD

100 UAH = 1.98 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 October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Ukrainian Hryvnia exchange rates as of October 22, 2026: 1 USD = 44.89 UAH (100 UAH = 2.23 USD). 1 EUR = 50.46 UAH (100 UAH = 1.98 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Ternopil 10,700 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Ternopil

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 Ternopil: Cost of Living - Frequently Asked Questions

Ubud, Bali and Ternopil differ by about 96% in total monthly costs ($1,353 vs $690 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 193% 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: $1,131 in Ubud, Bali versus $297 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $245 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 $20.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $690 in Ternopil versus $1,353 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 96% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.