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: $1,408 in Ubud, Bali versus $566 in Ternopil.

Estimated couple costs with rent: $2,582 in Ubud, Bali versus $908 in Ternopil.

Monthly costs for a family of three with rent: $3,757 in Ubud, Bali versus $1,251 in Ternopil.

Living in Ubud, Bali is roughly 149% more expensive than Ternopil, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Ternopil is 58% below.

Meal at Budget Restaurant

$3.42 Rp 58.7K

$4.88 ₴214

-29.92%

Three-Course Dinner for Two, Mid-Range

$32.96 Rp 566.5K

$19.02 ₴836

73.29%

Fast Food Meal (McDonalds, etc)

$5.08 Rp 87.3K

$5.67 ₴249

-10.41%

Cappuccino

$2.82 Rp 48.5K

$0.81 ₴35.82

248.15%

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

$1.37 Rp 23.5K

$0.61 ₴27.02

124.59%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$0.32 ₴14.16

121.87%

Local Beer (0.5 liter draught)

$2.97 Rp 51.0K

$0.84 ₴37.08

253.57%

Imported Beer (0.33 liter bottle)

$3.91 Rp 67.2K

$1.19 ₴52.3

228.57%

Milk (1 liter)

$1.75 Rp 30.0K

$1.03 ₴45.14

69.90%

White Bread (500g)

$2.52 Rp 43.2K

$0.51 ₴22.51

394.12%

Rice (white) (1kg)

$1.21 Rp 20.8K

$1.28 ₴56.3

-5.47%

Eggs

$2.33 Rp 40.1K

$1.50 ₴66.1

55.33%

Local Cheese (1kg)

$14.50 Rp 249.2K

$4.97 ₴218

191.75%

Chicken Fillets (1kg)

$4.36 Rp 74.9K

$3.67 ₴161

18.80%

Beef Round Steak (1kg)

$12.05 Rp 207.0K

$4.96 ₴218

142.94%

Apples (1kg)

$3.82 Rp 65.6K

$0.83 ₴36.41

360.24%

Banana (1kg)

$1.61 Rp 27.7K

$1.53 ₴67.1

5.23%

Oranges (1kg)

$2.70 Rp 46.5K

$2.11 ₴92.9

27.96%

Tomato (1kg)

$2.23 Rp 38.3K

$1.74 ₴76.3

28.16%

Potato (1kg)

$1.90 Rp 32.6K

$0.54 ₴23.82

251.85%

Onion (1kg)

$2.18 Rp 37.5K

$0.66 ₴29.06

230.30%

Lettuce (1 head)

$1.03 Rp 17.7K

$1.24 ₴54.6

-16.94%

Water (1.5 liter bottle)

$0.77 Rp 13.3K

$0.44 ₴19.29

75.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 54.7K

$2.15 ₴94.3

47.91%

Wine (Bottle)

$23.23 Rp 399.2K

$3.42 ₴151

579.24%

Local Beer (0.5 liter bottle)

$2.85 Rp 48.9K

$0.83 ₴36.67

243.37%

Imported Beer (0.33 liter bottle)

$2.72 Rp 46.7K

$1.25 ₴54.8

117.60%

One-way Ticket (Public Transport)

$0.29 Rp 5,022

$0.38 ₴16.55

-23.68%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

Taxi Start (Normal Tariff)

$0.49 Rp 8,344

$0.87 ₴38.20

-43.68%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,812

$0.23 ₴10.10

95.65%

Taxi 1hour Waiting (Normal Tariff)

$6.28 Rp 107.8K

$2.83 ₴124

121.91%

Gasoline (1 liter)

$0.85 Rp 14.6K

$1.29 ₴56.9

-34.11%

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

$26.1K Rp 447.8M

$30.6K ₴1.3M

-14.79%

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

$31.5K Rp 541.8M

$24.3K ₴1.1M

29.49%

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

$79.8 Rp 1.4M

$61.8 ₴2,715

29.16%

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

$4.09 Rp 70.3K

$5.32 ₴234

-23.12%

Internet (50+ Mbps, Unlimited Data)

$24.06 Rp 413.6K

$6.41 ₴282

275.35%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$22.37 ₴983

330.00%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 112.2K

$12.66 ₴557

-48.42%

Cinema Ticket

$4.13 Rp 71.1K

$4.33 ₴190

-4.62%

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

$297 Rp 5.1M

$269 ₴11.8K

10.46%

International Primary School, 1 Child (Yearly)

$6,661 Rp 114.5M

$3,415 ₴150.1K

95.07%

Jeans (Levis 501 Or Similar)

$55.0 Rp 944.5K

$41.67 ₴1,832

31.89%

Summer Dress (H&M, Zara, etc)

$38.75 Rp 666.0K

$23.80 ₴1,046

62.82%

Sport Shoes (Adidas, Nike)

$89.6 Rp 1.5M

$73.7 ₴3,242

21.52%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$85.4 ₴3,753

-7.58%

1-bedroom Apartment, City Center (Monthly)

$1,018 Rp 17.5M

$263 ₴11.6K

287.24%

1-bedroom Apartment, Outside City Center (Monthly)

$660 Rp 11.3M

$161 ₴7,067

310.47%

3-bedroom Apartment, City Center (Monthly)

$3,435 Rp 59.0M

$364 ₴16.0K

843.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,053 Rp 35.3M

$295 ₴13.0K

594.87%

Buy Apartment in City Center (m2)

$2,981 Rp 51.2M

$1,011 ₴44.5K

194.77%

Buy Apartment Outside City Center (m2)

$2,368 Rp 40.7M

$502 ₴22.1K

371.77%

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

$488 ₴21.5K

-64.77%

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: April 21, 2026

Last update for Ternopil: April 19, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,018 in Ubud, Bali and $263 in Ternopil. Housing cost is often the main lever when comparing two cities.

Ternopil pays 184% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33 in Ubud, Bali vs $19 in Ternopil for a mid-range dinner for two. Groceries echo the gap at $299 vs $132 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 149% in total monthly costs ($1,408 vs $566 including rent). Ternopil is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Ternopil earns 184% 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: $1,018 in Ubud, Bali versus $263 in Ternopil. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $566 in Ternopil versus $1,408 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 149% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.