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: $1,396 in Ubud, Bali versus $600 in Ternopil.

Estimated couple costs with rent: $2,334 in Ubud, Bali versus $841 in Ternopil.

Monthly costs for a family of three with rent: $3,273 in Ubud, Bali versus $1,083 in Ternopil.

Living in Ubud, Bali is roughly 133% more expensive than in Ternopil, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 2% above, Ternopil is 56% below.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$2.95 ₴132

14.24%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.3K

$22.62 ₴1,012

70.60%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$5.59 ₴250

-1.25%

Cappuccino

$2.64 Rp 46.6K

$1.15 ₴51.6

129.57%

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

$1.67 Rp 29.5K

$0.69 ₴30.85

142.03%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.51 ₴22.65

50.98%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

$1.02 ₴45.54

157.84%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

$1.49 ₴66.5

187.25%

Milk (1 liter)

$1.55 Rp 27.3K

$1.06 ₴47.63

46.23%

White Bread (500g)

$2.22 Rp 39.2K

$0.71 ₴31.82

212.68%

Rice (white) (1kg)

$1.13 Rp 19.8K

$1.99 ₴88.9

-43.22%

Eggs

$2.09 Rp 36.8K

$1.92 ₴86.0

8.85%

Local Cheese (1kg)

$17.39 Rp 306.7K

$8.01 ₴358

117.10%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$3.95 ₴177

-2.03%

Beef Round Steak (1kg)

$12.55 Rp 221.3K

$6.16 ₴276

103.73%

Apples (1kg)

$3.62 Rp 63.8K

$0.79 ₴35.16

358.23%

Banana (1kg)

$1.56 Rp 27.5K

$1.53 ₴68.4

1.96%

Oranges (1kg)

$2.35 Rp 41.5K

$1.47 ₴65.6

59.86%

Tomato (1kg)

$2.06 Rp 36.2K

$2.62 ₴117

-21.37%

Potato (1kg)

$1.90 Rp 33.5K

$0.55 ₴24.54

245.45%

Onion (1kg)

$2.34 Rp 41.2K

$0.39 ₴17.52

500.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$1.42 ₴63.5

-27.46%

Water (1.5 liter bottle)

$0.55 Rp 9,780

$0.52 ₴23.38

5.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$2.74 ₴123

-17.88%

Wine (Bottle)

$23.81 Rp 419.7K

$3.30 ₴147

621.52%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

$0.83 ₴37.31

178.31%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

$2.47 ₴110

13.36%

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.39 ₴17.51

-30.77%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,489

$1.36 ₴60.9

-64.71%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,864

$0.37 ₴16.63

21.62%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$4.01 ₴179

42.64%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.46 ₴65.5

-47.95%

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

$24.5K Rp 431.7M

$29.3K ₴1.3M

-16.42%

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

$32.1K Rp 566.3M

$22.3K ₴999.3K

43.77%

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

$83.6 Rp 1.5M

$65.8 ₴2,943

26.98%

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

$6.46 Rp 113.8K

$4.99 ₴223

29.46%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.9K

$3.83 ₴171

395.82%

Gym Membership (Monthly)

$56.0 Rp 986.9K

$22.78 ₴1,019

145.70%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

$13.80 ₴617

34.93%

Cinema Ticket

$4.28 Rp 75.5K

$3.58 ₴160

19.55%

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

$487 Rp 8.6M

$252 ₴11.3K

93.17%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.2M

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.2K

$50.9 ₴2,274

-10.40%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.4K

$48.27 ₴2,159

-24.63%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$101 ₴4,535

-19.17%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$88.3 ₴3,947

-8.91%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$272 ₴12.2K

310.86%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$136 ₴6,064

417.14%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

$1,001 ₴44.8K

182.26%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

$504 ₴22.5K

354.99%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$521 ₴23.3K

-67.42%

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: August 31, 2026

Last update for Ternopil: September 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,117 in Ubud, Bali and $272 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 207% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $39.00 in Ubud, Bali vs $23.00 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $293 vs $158 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 133% in total monthly costs ($1,396 vs $600 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 207% 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: $1,117 in Ubud, Bali versus $272 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $487 in Ubud, Bali versus $252 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 $23.00 versus $39.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $600 in Ternopil versus $1,396 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 133% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.