Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Varnamo

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,692 in Varnamo, rent and utilities included – about $4,100 less a year. The total is higher in Varnamo despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
81

Cost of Living Index in Varnamo
Learn more

Varnamo Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Varnamo

🇸🇪 Sweden

$1,692

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,692 in Varnamo.

Ubud, Bali $1,349
Varnamo $1,692

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,672 in Varnamo.

Ubud, Bali $2,305
Varnamo $2,672

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,652 in Varnamo.

Ubud, Bali $3,261
Varnamo $3,652

Living in Ubud, Bali costs roughly 20% less than in Varnamo, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$13.01 SEK 128

-74.48%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$89.7 SEK 881

-60.27%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$12.23 SEK 120

-54.78%

Cappuccino

$2.72 Rp 49.3K

$4.68 SEK 45.94

-41.88%

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

$1.70 Rp 30.9K

$2.72 SEK 26.68

-37.50%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.13 SEK 20.91

-64.32%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$7.81 SEK 76.7

-66.07%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$7.08 SEK 69.6

-38.14%

Milk (1 liter)

$1.49 Rp 27.0K

$1.71 SEK 16.84

-12.87%

White Bread (500g)

$2.28 Rp 41.3K

$2.50 SEK 24.53

-8.80%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.54 SEK 34.80

-66.38%

Eggs

$2.04 Rp 36.9K

$4.63 SEK 45.45

-55.94%

Local Cheese (1kg)

$17.70 Rp 321.1K

$12.57 SEK 123

40.81%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$11.73 SEK 115

-66.24%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$15.69 SEK 154

-22.31%

Apples (1kg)

$3.66 Rp 66.3K

$3.11 SEK 30.57

17.68%

Banana (1kg)

$1.52 Rp 27.5K

$2.55 SEK 25.03

-40.39%

Oranges (1kg)

$2.23 Rp 40.4K

$2.82 SEK 27.67

-20.92%

Tomato (1kg)

$1.97 Rp 35.8K

$4.52 SEK 44.38

-56.42%

Potato (1kg)

$1.85 Rp 33.5K

$1.72 SEK 16.93

7.56%

Onion (1kg)

$2.42 Rp 44.0K

$1.41 SEK 13.86

71.63%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.57 SEK 25.24

-61.48%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.52 SEK 14.96

-66.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$7.81 SEK 76.7

-71.57%

Wine (Bottle)

$22.24 Rp 403.4K

$11.14 SEK 109

99.64%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.93 SEK 19.00

17.10%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.64 SEK 25.96

12.50%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$3.19 SEK 31.35

-92.16%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$74.7 SEK 734

-89.53%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$5.04 SEK 49.51

-91.27%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.08 SEK 10.59

-60.19%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$41.06 SEK 403

-86.82%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.72 SEK 16.88

-52.33%

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

$23.8K Rp 432.4M

$33.6K SEK 329.7K

-28.99%

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

$31.7K Rp 575.9M

$34.2K SEK 336.3K

-7.29%

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

$79.1 Rp 1.4M

$77.0 SEK 756

2.74%

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

$6.45 Rp 116.9K

$17.22 SEK 169

-62.54%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$30.45 SEK 299

-38.98%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$39.03 SEK 383

26.77%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$22.33 SEK 219

-20.96%

Cinema Ticket

$4.27 Rp 77.5K

$15.36 SEK 151

-72.20%

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

$491 Rp 8.9M

$157 SEK 1,540

212.74%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$4,450 SEK 43.7K

27.51%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$80.4 SEK 790

-44.49%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$56.8 SEK 557

-38.41%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$99.9 SEK 981

-20.00%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$123 SEK 1,209

-35.51%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$794 SEK 7,800

41.60%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$612 SEK 6,006

9.78%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,178 SEK 11.6K

202.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$985 SEK 9,670

75.00%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$4,023 SEK 39.5K

-32.11%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,853 SEK 28.0K

-19.95%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,032 SEK 20.0K

-91.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.03

354.79%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Varnamo: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Varnamo

$612 36.2% 8.9% $60

Groceries & Markets

Ubud, Bali

$288 21.4%

Varnamo

$357 21.1% 23.7% $68

Eating Out

Ubud, Bali

$108 8%

Varnamo

$269 15.9% 150% $162

Clothing & Footwear

Ubud, Bali

$108 8%

Varnamo

$162 9.6% 50.8% $55

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Varnamo

$125 7.4% 19.7% $21

Sport & Entertainment

Ubud, Bali

$58 4.3%

Varnamo

$70 4.1% 20.2% $12

Getting Around

Ubud, Bali

$11 0.9%

Varnamo

$98 5.8% 757% $87

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $794 in Varnamo. Housing cost is often the main lever when comparing two cities.

Varnamo pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $90 in Varnamo for a mid-range dinner for two. Groceries echo the gap at $288 vs $357 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇸🇪 Varnamo

🕒 Local time

13:29 1:29 PM

06:29 6:29 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

19,778

💱 Currency

Indonesian Rupiah IDR Rp

Swedish Krona SEK kr

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 SEK = 10.18 USD

100 SEK = 9.12 EUR

Exchange rates and currency converter

SEK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Swedish Krona exchange rates as of November 2, 2026: 1 USD = 9.82 SEK (1 SEK = 0.102 USD). 1 EUR = 10.96 SEK (100 SEK = 9.12 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Varnamo 11,480 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Varnamo

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 Varnamo: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 20% lower than in Varnamo. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 92% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $794 in Varnamo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $157 in Varnamo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 24% higher in Varnamo. 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 Varnamo are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Varnamo on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.