Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zakho

For one person, living is cheaper in Zakho: $725 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,500 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
35

Cost of Living Index in Zakho
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Zakho Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Zakho

🇮🇶 Iraq

$725

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $725 in Zakho.

Ubud, Bali $1,349
Zakho $725

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,158 in Zakho.

Ubud, Bali $2,305
Zakho $1,158

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,591 in Zakho.

Ubud, Bali $3,261
Zakho $1,591

Living in Ubud, Bali is roughly 86% more expensive than in Zakho, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$4.18 IQD 6,310

-20.57%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$36.97 IQD 55.9K

-3.60%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$7.14 IQD 10.8K

-22.55%

Cappuccino

$2.72 Rp 49.3K

$3.21 IQD 4,856

-15.26%

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

$1.70 Rp 30.8K

$0.83 IQD 1,256

104.82%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.33 IQD 506

130.30%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$5.65 IQD 8,535

-53.10%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$3.94 IQD 5,960

11.17%

Milk (1 liter)

$1.49 Rp 27.0K

$1.10 IQD 1,669

35.45%

White Bread (500g)

$2.28 Rp 41.2K

$0.68 IQD 1,023

235.29%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.50 IQD 2,271

-20.67%

Eggs

$2.04 Rp 36.9K

$1.58 IQD 2,382

29.11%

Local Cheese (1kg)

$17.70 Rp 320.8K

$6.88 IQD 10.4K

157.27%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$4.26 IQD 6,440

-7.04%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$12.69 IQD 19.2K

-3.94%

Apples (1kg)

$3.66 Rp 66.2K

$0.98 IQD 1,484

273.47%

Banana (1kg)

$1.52 Rp 27.5K

$0.94 IQD 1,414

61.70%

Oranges (1kg)

$2.23 Rp 40.4K

$1.02 IQD 1,536

118.63%

Tomato (1kg)

$1.97 Rp 35.7K

$0.65 IQD 986

203.08%

Potato (1kg)

$1.85 Rp 33.5K

$0.61 IQD 920

203.28%

Onion (1kg)

$2.42 Rp 43.9K

$0.59 IQD 895

310.17%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.61 IQD 926

62.30%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.51 IQD 775

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.18 IQD 3,300

1.83%

Wine (Bottle)

$22.24 Rp 403.0K

$10.80 IQD 16.3K

105.93%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.46 IQD 2,213

54.79%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.81 IQD 2,737

64.09%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$0.29 IQD 439

-13.79%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.68 IQD 2,546

-73.81%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.61 IQD 2,440

-73.29%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$5.65 IQD 8,531

-4.25%

Gasoline (1 liter)

$0.82 Rp 14.9K

$0.59 IQD 886

38.98%

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

$23.8K Rp 432.0M

$16.5K IQD 24.9M

44.80%

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

$31.7K Rp 575.3M

$17.1K IQD 25.8M

85.86%

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

$79.1 Rp 1.4M

$115 IQD 173.5K

-31.14%

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

$6.45 Rp 116.8K

$12.27 IQD 18.5K

-47.43%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$24.28 IQD 36.7K

-23.48%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$39.56 IQD 59.8K

25.08%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$9.75 IQD 14.7K

-56.21%

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

$491 Rp 8.9M

$298 IQD 450.7K

64.46%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$2,742 IQD 4.1M

106.94%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$26.56 IQD 40.1K

68.07%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$19.78 IQD 29.9K

76.69%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$49.59 IQD 74.9K

61.12%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$39.81 IQD 60.1K

99.50%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$207 IQD 313.3K

442.57%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$136 IQD 205.0K

394.87%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$370 IQD 558.5K

864.30%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$319 IQD 482.7K

439.46%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$888 IQD 1.3M

207.51%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$551 IQD 833.0K

314.30%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$660 IQD 997.8K

-75.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.53

444.66%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Zakho: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Zakho

$136 18.7% 79.8% $536

Groceries & Markets

Ubud, Bali

$288 21.4%

Zakho

$172 23.8% 40.3% $116

Eating Out

Ubud, Bali

$108 8%

Zakho

$134 18.5% 24.6% $27

Clothing & Footwear

Ubud, Bali

$108 8%

Zakho

$61 8.4% 43.2% $46

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Zakho

$151 20.9% 45.4% $47

Sport & Entertainment

Ubud, Bali

$58 4.3%

Zakho

$59 8.2% 1.8% $1

Getting Around

Ubud, Bali

$11 0.9%

Zakho

$11 * 1.5% 4.4% $0.5

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 $1,125 in Ubud, Bali and $207 in Zakho. Housing cost is often the main lever when comparing two cities.

Zakho pays about 4 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $37 in Zakho. Groceries flip the comparison at $288 vs $172, with Zakho cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇮🇶 Zakho

🕒 Local time

02:24 2:24 AM

21:24 9:24 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

197,163

💱 Currency

Indonesian Rupiah IDR Rp

Iraqi Dinar IQD ع.د

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

10,000 IQD = 6.62 USD

10,000 IQD = 5.93 EUR

Exchange rates and currency converter

IQD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Iraqi Dinar exchange rates as of November 1, 2026: 1 USD = 1,511 IQD (10,000 IQD = 6.62 USD). 1 EUR = 1,687 IQD (10,000 IQD = 5.93 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zakho 9,070 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Zakho

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 Zakho: Cost of Living - Frequently Asked Questions

Zakho wins on cost – living expenses run 46% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Zakho the obvious pick if budget is a priority.

On paper, salaries run 75% 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 $207 in Zakho. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 68% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $725 in Zakho – Zakho is about 46% cheaper, which adds up to real savings over time.

At $725 in Zakho versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Zakho but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zakho 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 Zakho are both considered safe, so it’s unlikely to be the deciding factor between them.