Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Varkaus

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,899 in Varkaus, rent and utilities included – about $6,800 less a year. Other living expenses account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
91

Cost of Living Index in Varkaus
Learn more

Varkaus Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Varkaus

🇫🇮 Finland

$1,899

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,899 in Varkaus.

Ubud, Bali $1,331
Varkaus $1,899

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,014 in Varkaus.

Ubud, Bali $2,255
Varkaus $3,014

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $4,128 in Varkaus.

Ubud, Bali $3,180
Varkaus $4,128

Living in Ubud, Bali costs roughly 30% less than in Varkaus, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Varkaus is 40% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$15.36 €13.70

-77.99%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.8K

$102 €90.7

-65.93%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$12.24 €10.92

-54.49%

Cappuccino

$2.62 Rp 47.5K

$5.33 €4.76

-50.84%

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

$1.54 Rp 27.9K

$3.57 €3.18

-56.86%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.85 €2.54

-77.54%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$8.69 €7.75

-69.28%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$8.31 €7.41

-48.74%

Milk (1 liter)

$1.46 Rp 26.5K

$1.40 €1.25

4.29%

White Bread (500g)

$2.29 Rp 41.6K

$3.09 €2.76

-25.89%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.64 €3.25

-69.51%

Eggs

$2.10 Rp 38.1K

$4.00 €3.57

-47.50%

Local Cheese (1kg)

$15.94 Rp 289.3K

$10.68 €9.52

49.25%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$16.59 €14.80

-76.61%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

$20.92 €18.66

-45.51%

Apples (1kg)

$3.55 Rp 64.5K

$2.66 €2.37

33.46%

Banana (1kg)

$1.54 Rp 27.9K

$2.09 €1.86

-26.32%

Oranges (1kg)

$2.23 Rp 40.5K

$3.55 €3.17

-37.18%

Tomato (1kg)

$1.97 Rp 35.8K

$4.84 €4.31

-59.30%

Potato (1kg)

$1.86 Rp 33.7K

$1.24 €1.10

50.00%

Onion (1kg)

$2.42 Rp 43.9K

$1.88 €1.67

28.72%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.39 €2.14

-57.32%

Water (1.5 liter bottle)

$0.52 Rp 9,479

$1.88 €1.68

-72.34%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$12.36 €11.02

-82.20%

Wine (Bottle)

$21.79 Rp 395.4K

$13.35 €11.91

63.22%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$3.69 €3.29

-36.86%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$5.07 €4.52

-41.42%

One-way Ticket (Public Transport)

$0.25 Rp 4,544

$3.41 €3.04

-92.67%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$66.1 €58.9

-87.63%

Taxi Start (Normal Tariff)

$0.44 Rp 7,944

$9.61 €8.57

-95.42%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,493

$1.76 €1.57

-73.30%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$51.1 €45.62

-89.05%

Gasoline (1 liter)

$0.83 Rp 15.0K

$2.33 €2.08

-64.38%

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

$24.4K Rp 443.7M

$36.9K €32.9K

-33.79%

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

$31.7K Rp 575.2M

$37.4K €33.4K

-15.27%

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

$77.5 Rp 1.4M

$107 €95.7

-27.82%

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

$6.14 Rp 111.5K

$26.91 €24.01

-77.18%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.3K

$28.94 €25.81

-34.62%

Gym Membership (Monthly)

$51.0 Rp 925.4K

$43.40 €38.71

17.49%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

$22.35 €19.94

-18.34%

Cinema Ticket

$4.38 Rp 79.5K

$17.79 €15.87

-75.38%

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

$492 Rp 8.9M

$725 €647

-32.09%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.8M

$12.4K €11.1K

-1.62%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.6K

$121 €108

-62.60%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.2K

$56.5 €50.4

-38.19%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$88.9 €79.3

-11.93%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$176 €157

-55.78%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$787 €702

36.93%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$638 €569

4.16%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,248 €1,114

181.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$1,055 €941

58.32%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$4,070 €3,630

-42.50%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,174 €1,940

2.84%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.59

283.84%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Varkaus: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Varkaus

$638 33.6% 4% $27

Groceries & Markets

Ubud, Bali

$279 21%

Varkaus

$412 21.7% 47.5% $133

Clothing & Footwear

Ubud, Bali

$106 8%

Varkaus

$199 10.5% 87.2% $93

Eating Out

Ubud, Bali

$106 8%

Varkaus

$309 16.3% 193% $204

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Varkaus

$163 8.6% 59.1% $61

Sport & Entertainment

Ubud, Bali

$60 4.5%

Varkaus

$79 4.2% 32.2% $19

Getting Around

Ubud, Bali

$12 0.9%

Varkaus

$98 5.2% 721% $86

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $787 in Varkaus. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $102 in Varkaus for a mid-range dinner for two. Groceries echo the gap at $279 vs $412 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇫🇮 Varkaus

🕒 Local time

11:09 11:09 AM

05:09 5:09 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

20,257

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 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 November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,295 IDR (100,000 IDR = 4.93 EUR).

Euro exchange rates as of November 4, 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 Varkaus 10,710 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Varkaus

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 Varkaus: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 30% lower than in Varkaus. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $1,996 in Ubud, Bali and $2,849 in Varkaus to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,078 in Ubud, Bali versus $787 in Varkaus. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $725 in Varkaus. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 48% higher in Varkaus. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Varkaus are both considered safe, so it’s unlikely to be the deciding factor between them.