Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Turku

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,871 in Turku, rent and utilities included – about $6,300 less a year. The total is higher in Turku despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
90

Cost of Living Index in Turku
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Turku Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Turku

🇫🇮 Finland

$1,871

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $1,871 in Turku.

Ubud, Bali $1,348
Turku $1,871

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $3,007 in Turku.

Ubud, Bali $2,312
Turku $3,007

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $4,144 in Turku.

Ubud, Bali $3,276
Turku $4,144

Living in Ubud, Bali costs roughly 28% less than in Turku, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Turku 40% above.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$16.39 €14.63

-79.68%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$101 €90.1

-64.93%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$12.25 €10.93

-52.98%

Cappuccino

$2.63 Rp 47.0K

$4.77 €4.26

-44.86%

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

$1.74 Rp 31.0K

$2.81 €2.51

-38.08%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.93 €1.72

-60.10%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$9.77 €8.72

-72.26%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$9.25 €8.26

-51.14%

Milk (1 liter)

$1.53 Rp 27.4K

$1.54 €1.37

-0.65%

White Bread (500g)

$2.20 Rp 39.2K

$2.48 €2.22

-11.29%

Rice (white) (1kg)

$1.22 Rp 21.8K

$2.75 €2.46

-55.64%

Eggs

$2.14 Rp 38.2K

$3.79 €3.39

-43.54%

Local Cheese (1kg)

$17.73 Rp 316.9K

$7.90 €7.05

124.43%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$14.60 €13.03

-73.56%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$18.73 €16.72

-35.77%

Apples (1kg)

$3.61 Rp 64.5K

$2.79 €2.49

29.39%

Banana (1kg)

$1.51 Rp 27.1K

$2.17 €1.94

-30.41%

Oranges (1kg)

$2.32 Rp 41.4K

$2.29 €2.05

1.31%

Tomato (1kg)

$2.00 Rp 35.8K

$4.33 €3.87

-53.81%

Potato (1kg)

$1.81 Rp 32.4K

$1.42 €1.26

27.46%

Onion (1kg)

$2.39 Rp 42.7K

$1.56 €1.39

53.21%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.02 €1.80

-50.99%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$1.82 €1.63

-71.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$13.33 €11.89

-83.65%

Wine (Bottle)

$22.98 Rp 410.7K

$15.38 €13.73

49.41%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$3.89 €3.47

-38.30%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$3.64 €3.25

-17.58%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$3.43 €3.06

-93.00%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$63.9 €57.0

-89.06%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$8.69 €7.76

-94.94%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.53 €1.36

-72.55%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$66.8 €59.6

-91.84%

Gasoline (1 liter)

$0.84 Rp 15.1K

$2.37 €2.12

-64.56%

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

$24.3K Rp 434.8M

$37.2K €33.2K

-34.53%

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

$31.9K Rp 570.0M

$37.6K €33.6K

-15.28%

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

$80.8 Rp 1.4M

$132 €118

-38.71%

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

$6.58 Rp 117.6K

$28.80 €25.70

-77.15%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$22.54 €20.11

-19.08%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$43.55 €38.86

26.59%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$28.19 €25.15

-34.34%

Cinema Ticket

$4.24 Rp 75.9K

$21.20 €18.92

-80.00%

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

$486 Rp 8.7M

$307 €274

58.33%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$7,328 €6,539

-22.54%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$94.4 €84.2

-52.14%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$42.81 €38.21

-19.25%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$104 €92.6

-23.75%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$113 €101

-31.50%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$812 €725

38.74%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$663 €591

1.72%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$1,418 €1,266

155.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,150 €1,026

50.82%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$4,179 €3,729

-32.31%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$2,794 €2,494

-17.45%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,707 €2,416

-93.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.94

249.75%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Turku: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Turku

$663 35.5% 1.7% $11

Groceries & Markets

Ubud, Bali

$290 21.4%

Turku

$372 19.9% 28.2% $82

Eating Out

Ubud, Bali

$108 8%

Turku

$311 16.7% 188% $203

Clothing & Footwear

Ubud, Bali

$106 7.8%

Turku

$159 8.5% 49.8% $53

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Turku

$183 9.8% 73.4% $78

Sport & Entertainment

Ubud, Bali

$64 4.7%

Turku

$86 4.6% 35.1% $22

Getting Around

Ubud, Bali

$11 0.8%

Turku

$94 5% 795% $83

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $812 in Turku. Housing cost is often the main lever when comparing two cities.

Turku pays 1534% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $101 in Turku for a mid-range dinner for two. Groceries echo the gap at $290 vs $372 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Turku

🕒 Local time

18:40 6:40 PM

13:40 1:40 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

201,889

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Turku 10,990 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Turku

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 Turku: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 39% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1534% lower in Turku. 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: $1,127 in Ubud, Bali versus $812 in Turku. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 28% higher in Turku. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $101 in Turku. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,348 in Ubud, Bali versus $1,871 in Turku, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Turku. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Turku, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Turku 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 Ubud, Bali gentler on the wallet – expenses run 39% less than in Turku. Beyond cost, consider language, visa policies, and how big the international community is in each city.