Last update: Oct 2026

Cost of Living Comparison Between Varkaus and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,951 in Varkaus, rent and utilities included – about $7,200 less a year. Other living expenses account for most of the difference.

92

Cost of Living Index in Varkaus
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Varkaus Living Index
65

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

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Varkaus

🇫🇮 Finland

$1,951

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Varkaus and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,951 in Varkaus versus $1,349 in Ubud, Bali.

Varkaus $1,951
Ubud, Bali $1,349

Estimated couple costs with rent: $2,965 in Varkaus versus $2,305 in Ubud, Bali.

Varkaus $2,965
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,979 in Varkaus versus $3,261 in Ubud, Bali.

Varkaus $3,979
Ubud, Bali $3,261

Living in Varkaus is roughly 45% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.91 €14.29

$3.32 Rp 60.4K

379.22%

Three-Course Dinner for Two, Mid-Range

$99.4 €89.3

$35.64 Rp 647.8K

178.79%

Fast Food Meal (McDonalds, etc)

$12.36 €11.10

$5.53 Rp 100.6K

123.51%

Cappuccino

$5.48 €4.92

$2.72 Rp 49.4K

101.47%

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

$3.52 €3.17

$1.70 Rp 30.9K

107.06%

Water (0.33 liter bottle)

$2.83 €2.54

$0.76 Rp 13.8K

272.37%

Local Beer (0.5 liter draught)

$9.10 €8.17

$2.65 Rp 48.2K

243.40%

Imported Beer (0.33 liter bottle)

$8.60 €7.73

$4.38 Rp 79.6K

96.35%

Milk (1 liter)

$1.44 €1.30

$1.49 Rp 27.1K

-3.36%

White Bread (500g)

$2.94 €2.64

$2.28 Rp 41.4K

28.95%

Rice (white) (1kg)

$3.57 €3.20

$1.19 Rp 21.6K

200.00%

Eggs

$4.01 €3.60

$2.04 Rp 37.0K

96.57%

Local Cheese (1kg)

$10.61 €9.53

$17.70 Rp 321.7K

-40.06%

Chicken Fillets (1kg)

$16.56 €14.88

$3.96 Rp 72.0K

318.18%

Beef Round Steak (1kg)

$20.18 €18.13

$12.19 Rp 221.6K

65.55%

Apples (1kg)

$2.61 €2.34

$3.66 Rp 66.4K

-28.69%

Banana (1kg)

$2.15 €1.93

$1.52 Rp 27.6K

41.45%

Oranges (1kg)

$3.43 €3.08

$2.23 Rp 40.5K

53.81%

Tomato (1kg)

$5.01 €4.50

$1.97 Rp 35.9K

154.31%

Potato (1kg)

$1.21 €1.09

$1.85 Rp 33.6K

-34.59%

Onion (1kg)

$1.82 €1.64

$2.42 Rp 44.1K

-24.79%

Lettuce (1 head)

$2.28 €2.04

$0.99 Rp 18.0K

130.30%

Water (1.5 liter bottle)

$1.81 €1.63

$0.51 Rp 9,332

254.90%

Cigarettes 20 Pack (Marlboro, Camel)

$12.36 €11.10

$2.22 Rp 40.4K

456.76%

Wine (Bottle)

$13.46 €12.09

$22.24 Rp 404.2K

-39.48%

Local Beer (0.5 liter bottle)

$3.65 €3.27

$2.26 Rp 41.1K

61.50%

Imported Beer (0.33 liter bottle)

$4.90 €4.41

$2.97 Rp 54.0K

64.98%

One-way Ticket (Public Transport)

$3.36 €3.02

$0.25 Rp 4,562

1244.00%

Public Transport Monthly Pass (Regular Price)

$61.5 €55.2

$7.82 Rp 142.2K

686.19%

Taxi Start (Normal Tariff)

$9.51 €8.54

$0.44 Rp 7,989

2061.36%

Taxi (Normal Tariff) (1km)

$1.80 €1.62

$0.43 Rp 7,817

318.60%

Taxi 1hour Waiting (Normal Tariff)

$50.7 €45.57

$5.41 Rp 98.3K

837.71%

Gasoline (1 liter)

$2.36 €2.12

$0.82 Rp 15.0K

187.80%

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

$36.9K €33.1K

$23.8K Rp 433.3M

54.73%

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

$37.7K €33.9K

$31.7K Rp 577.0M

18.87%

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

$107 €95.9

$79.1 Rp 1.4M

34.99%

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

$26.75 €24.03

$6.45 Rp 117.2K

314.73%

Internet (50+ Mbps, Unlimited Data)

$28.89 €25.95

$18.58 Rp 337.7K

55.49%

Gym Membership (Monthly)

$38.81 €34.86

$49.48 Rp 899.4K

-21.56%

Tennis Court (1 Hour on Weekend)

$24.47 €21.98

$17.65 Rp 320.8K

38.64%

Cinema Ticket

$17.97 €16.14

$4.27 Rp 77.7K

320.84%

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

$727 €653

$491 Rp 8.9M

48.27%

International Primary School, 1 Child (Yearly)

$12.7K €11.4K

$5,674 Rp 103.1M

123.61%

Jeans (Levis 501 Or Similar)

$121 €109

$44.64 Rp 811.4K

170.97%

Summer Dress (H&M, Zara, etc)

$56.5 €50.7

$34.95 Rp 635.3K

61.55%

Sport Shoes (Adidas, Nike)

$91.1 €81.8

$79.9 Rp 1.5M

13.98%

Men's Leather Business Shoes

$176 €158

$79.4 Rp 1.4M

121.59%

1-bedroom Apartment, City Center (Monthly)

$769 €691

$1,125 Rp 20.4M

-31.60%

1-bedroom Apartment, Outside City Center (Monthly)

$695 €624

$671 Rp 12.2M

3.50%

3-bedroom Apartment, City Center (Monthly)

$1,206 €1,084

$3,565 Rp 64.8M

-66.16%

3-bedroom Apartment, Outside City Center (Monthly)

$926 €832

$1,723 Rp 31.3M

-46.24%

Buy Apartment in City Center (m2)

$4,234 €3,803

$2,732 Rp 49.6M

55.00%

Buy Apartment Outside City Center (m2)

$1,886 €1,694

$2,284 Rp 41.5M

-17.43%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

3.59

13.78

-73.95%

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

Last update for Varkaus: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Varkaus

$695 35.6%

Ubud, Bali

$672 49.8% 3.4% $23

Groceries & Markets

Varkaus

$407 20.9%

Ubud, Bali

$288 21.4% 29.1% $119

Eating Out

Varkaus

$318 16.3%

Ubud, Bali

$108 8% 66.2% $211

Clothing & Footwear

Varkaus

$200 10.3%

Ubud, Bali

$108 8% 46.3% $93

Monthly Utilities & Internet

Varkaus

$162 8.3%

Ubud, Bali

$104 7.7% 35.9% $58

Getting Around

Varkaus

$93 4.8%

Ubud, Bali

$11 0.9% 87.8% $82

Sport & Entertainment

Varkaus

$75 3.8%

Ubud, Bali

$58 4.3% 22.4% $17

Cost Breakdown

A one-bedroom apartment in the center runs $769 in Varkaus and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $99 in Varkaus vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $407 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇫🇮 Varkaus

🇮🇩 Ubud, Bali

🕒 Local time

22:36 10:36 PM

04:36 4:36 AM

6 h ahead of Varkaus

🌤 Weather

👥 Population

20,257

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Varkaus Ubud, Bali 10,710 km ≈ 14 h nonstop flight

From you

Varkaus
Ubud, Bali

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

Varkaus vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 31% 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 $2,926 in Varkaus and $2,023 in Ubud, Bali 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: $769 in Varkaus versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $727 in Varkaus versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 41% 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, Varkaus and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.