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: $1,419 in Ubud, Bali versus $582 in Ternopil.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $895 in Ternopil.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,208 in Ternopil.

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

The two cities straddle the global median: Ubud, Bali is 6% above, Ternopil is 57% below.

Meal at Budget Restaurant

$3.56 Rp 64.3K

$4.86 ₴216

-26.75%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 590.3K

$19.46 ₴864

68.19%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 89.3K

$5.96 ₴265

-16.95%

Cappuccino

$2.71 Rp 48.9K

$0.83 ₴36.63

226.51%

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

$1.34 Rp 24.2K

$0.62 ₴27.37

116.13%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.32 ₴14.30

118.75%

Local Beer (0.5 liter draught)

$2.92 Rp 52.7K

$0.85 ₴37.76

243.53%

Imported Beer (0.33 liter bottle)

$3.96 Rp 71.4K

$1.18 ₴52.2

235.59%

Milk (1 liter)

$1.81 Rp 32.6K

$0.96 ₴42.59

88.54%

White Bread (500g)

$2.52 Rp 45.4K

$0.49 ₴21.64

414.29%

Rice (white) (1kg)

$1.16 Rp 20.9K

$1.29 ₴57.1

-10.08%

Eggs

$2.46 Rp 44.4K

$1.51 ₴66.8

62.91%

Local Cheese (1kg)

$14.71 Rp 265.3K

$4.96 ₴220

196.57%

Chicken Fillets (1kg)

$4.32 Rp 77.9K

$3.59 ₴159

20.33%

Beef Round Steak (1kg)

$12.14 Rp 218.9K

$4.81 ₴213

152.39%

Apples (1kg)

$3.84 Rp 69.3K

$0.83 ₴36.73

362.65%

Banana (1kg)

$1.56 Rp 28.1K

$1.47 ₴65.3

6.12%

Oranges (1kg)

$2.83 Rp 51.1K

$2.15 ₴95.2

31.63%

Tomato (1kg)

$2.33 Rp 41.9K

$1.69 ₴75.1

37.87%

Potato (1kg)

$1.91 Rp 34.5K

$0.54 ₴24.00

253.70%

Onion (1kg)

$2.20 Rp 39.7K

$0.64 ₴28.39

243.75%

Lettuce (1 head)

$1.01 Rp 18.3K

$1.27 ₴56.6

-20.47%

Water (1.5 liter bottle)

$0.78 Rp 14.0K

$0.43 ₴19.28

81.40%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.8K

$2.20 ₴97.8

50.91%

Wine (Bottle)

$23.74 Rp 428.1K

$3.46 ₴153

586.13%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.3K

$0.84 ₴37.11

232.14%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.6K

$1.19 ₴52.7

140.34%

One-way Ticket (Public Transport)

$0.27 Rp 4,848

$0.35 ₴15.50

-22.86%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 144.8K

Taxi Start (Normal Tariff)

$0.46 Rp 8,231

$0.88 ₴39.08

-47.73%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,117

$0.23 ₴10.20

95.65%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.9K

$2.93 ₴130

108.19%

Gasoline (1 liter)

$0.79 Rp 14.3K

$1.29 ₴57.4

-38.76%

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

$26.1K Rp 471.6M

$30.1K ₴1.3M

-13.25%

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

$32.1K Rp 579.3M

$24.2K ₴1.1M

32.53%

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

$79.9 Rp 1.4M

$61.0 ₴2,705

31.14%

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

$4.06 Rp 73.3K

$5.36 ₴238

-24.25%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 424.2K

$6.41 ₴284

266.93%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$22.26 ₴988

343.40%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 119.6K

$12.34 ₴548

-46.27%

Cinema Ticket

$4.15 Rp 74.8K

$4.46 ₴198

-6.95%

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

$304 Rp 5.5M

$261 ₴11.6K

16.42%

International Primary School, 1 Child (Yearly)

$6,613 Rp 119.3M

$3,457 ₴153.4K

91.32%

Jeans (Levis 501 Or Similar)

$55.5 Rp 1.0M

$41.89 ₴1,859

32.59%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 690.9K

$24.36 ₴1,081

57.27%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$72.2 ₴3,204

22.73%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$85.1 ₴3,776

-8.49%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.2M

$256 ₴11.4K

292.68%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.2M

$160 ₴7,107

321.71%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 62.1M

$361 ₴16.0K

854.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.8M

$289 ₴12.8K

604.91%

Buy Apartment in City Center (m2)

$2,841 Rp 51.2M

$1,019 ₴45.2K

178.95%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.8M

$517 ₴22.9K

337.79%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$491 ₴21.8K

-66.35%

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: June 1, 2026

Last update for Ternopil: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $256 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 197% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $19.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $302 vs $130 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 ($1,419 vs $582 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Ternopil earns 197% less. 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: $1,006 in Ubud, Bali versus $256 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $261 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $582 in Ternopil versus $1,419 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.