Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Velikiye Luki

For one person, living is cheaper in Velikiye Luki: $1,094 a month against $1,353 in Ubud, Bali, rent and utilities included – about $3,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
51

Cost of Living Index in Velikiye Luki
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Velikiye Luki Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Velikiye Luki

🇷🇺 Russia

$1,094

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Velikiye Luki

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,094 in Velikiye Luki.

Ubud, Bali $1,353
Velikiye Luki $1,094

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,659 in Velikiye Luki.

Ubud, Bali $2,297
Velikiye Luki $1,659

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,224 in Velikiye Luki.

Ubud, Bali $3,241
Velikiye Luki $2,224

Living in Ubud, Bali is roughly 24% more expensive than in Velikiye Luki, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Velikiye Luki is 19% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$10.80 ₽902

-70.09%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$35.98 ₽3,003

-3.06%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.54 ₽462

2.89%

Cappuccino

$2.62 Rp 47.1K

$2.98 ₽249

-12.08%

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

$1.72 Rp 31.0K

$1.07 ₽89.7

60.75%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.65 ₽54.5

24.62%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.99 ₽166

33.17%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.23 ₽270

35.29%

Milk (1 liter)

$1.57 Rp 28.3K

$1.29 ₽108

21.71%

White Bread (500g)

$2.19 Rp 39.5K

$0.77 ₽64.4

184.42%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.28 ₽106

-7.81%

Eggs

$2.16 Rp 38.8K

$1.67 ₽140

29.34%

Local Cheese (1kg)

$17.65 Rp 317.7K

$12.66 ₽1,057

39.42%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$4.91 ₽410

-23.01%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$10.20 ₽851

17.16%

Apples (1kg)

$3.60 Rp 64.8K

$1.71 ₽143

110.53%

Banana (1kg)

$1.59 Rp 28.6K

$1.73 ₽144

-8.09%

Oranges (1kg)

$2.31 Rp 41.6K

$2.02 ₽169

14.36%

Tomato (1kg)

$1.91 Rp 34.3K

$2.79 ₽233

-31.54%

Potato (1kg)

$1.78 Rp 32.1K

$0.81 ₽67.6

119.75%

Onion (1kg)

$2.33 Rp 41.9K

$0.62 ₽51.8

275.81%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.42 ₽119

-29.58%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.83 ₽69.6

-36.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$3.35 ₽280

-31.64%

Wine (Bottle)

$22.07 Rp 397.3K

$8.57 ₽716

157.53%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.23 ₽103

91.06%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.25 ₽188

32.44%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.48 ₽40.14

-52.08%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.73 ₽228

-82.78%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.34 ₽28.17

26.47%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$6.22 ₽519

-12.06%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.82 ₽68.7

1.22%

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

$23.9K Rp 429.8M

$56.0K ₽4.7M

-57.40%

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

$32.8K Rp 590.1M

$34.3K ₽2.9M

-4.54%

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

$80.0 Rp 1.4M

$135 ₽11.2K

-40.65%

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

$6.56 Rp 118.1K

$6.11 ₽510

7.36%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$8.67 ₽724

114.53%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$39.05 ₽3,259

38.59%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$25.12 ₽2,096

-27.23%

Cinema Ticket

$4.25 Rp 76.5K

$6.32 ₽528

-32.75%

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

$493 Rp 8.9M

$355 ₽29.7K

38.62%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$5,716 ₽477.1K

-2.08%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$82.3 ₽6,867

-44.60%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$55.0 ₽4,593

-36.47%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$115 ₽9,616

-32.55%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$112 ₽9,324

-29.71%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$528 ₽44.1K

114.32%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$347 ₽28.9K

94.10%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$829 ₽69.2K

335.55%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$557 ₽46.5K

205.29%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,410 ₽201.1K

12.77%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,530 ₽127.7K

46.44%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

21.45

-35.76%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Velikiye Luki: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Velikiye Luki

$347 31.7% 48.5% $326

Groceries & Markets

Ubud, Bali

$287 21.2%

Velikiye Luki

$214 19.5% 25.6% $73

Clothing & Footwear

Ubud, Bali

$107 7.9%

Velikiye Luki

$164 15% 53.8% $57

Eating Out

Ubud, Bali

$106 7.9%

Velikiye Luki

$162 14.8% 52.4% $56

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Velikiye Luki

$150 13.7% 42.2% $44

Sport & Entertainment

Ubud, Bali

$63 4.6%

Velikiye Luki

$52 4.7% 17.4% $11

Getting Around

Ubud, Bali

$12 0.9%

Velikiye Luki

$6.3 * 0.6% 49% $6.1

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $528 in Velikiye Luki. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $36.00 in Velikiye Luki. Groceries flip the comparison at $287 vs $214, with Velikiye Luki cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇺 Velikiye Luki

🕒 Local time

23:02 11:02 PM

18:02 6:02 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

86,711

💱 Currency

Indonesian Rupiah IDR Rp

Russian Ruble RUB ₽

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 RUB = 1.2 USD

100 RUB = 1.07 EUR

Exchange rates and currency converter

RUB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Russian Ruble exchange rates as of October 20, 2026: 1 USD = 83.46 RUB (100 RUB = 1.2 USD). 1 EUR = 93.83 RUB (100 RUB = 1.07 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Velikiye Luki 10,470 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Velikiye Luki

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 Velikiye Luki: Cost of Living - Frequently Asked Questions

Velikiye Luki wins on cost – living expenses run 24% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Velikiye Luki the obvious pick if budget is a priority.

You'd need roughly $2,030 in Ubud, Bali and $1,641 in Velikiye Luki 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: $1,131 in Ubud, Bali versus $528 in Velikiye Luki. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 34% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,353 per month in Ubud, Bali versus $1,094 in Velikiye Luki – a 24% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,094 in Velikiye Luki versus $1,353 in Ubud, Bali, a $1,000 budget is realistic in Velikiye Luki but tight or insufficient in Ubud, Bali. The gap between the two cities makes Velikiye Luki the clear choice for anyone on this budget.

Both work as nomad bases, but Velikiye Luki delivers better value – similar infrastructure at $1,094 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Velikiye Luki hard to pass up.

Safety-wise, Ubud, Bali and Velikiye Luki 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 Velikiye Luki gentler on the wallet – expenses run 24% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.