Cost of Living Comparison Between Varnamo and Ubud, Bali Cost of Living Comparison Between Varnamo and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,788 in Varnamo versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,849 in Varnamo versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,910 in Varnamo versus $3,327 in Ubud, Bali.

Living in Varnamo is roughly 31% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Varnamo 31% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$13.63 SEK 134

$3.44 Rp 60.9K

296.22%

Three-Course Dinner for Two, Mid-Range

$94.6 SEK 932

$36.31 Rp 643.0K

160.40%

Fast Food Meal (McDonalds, etc)

$12.37 SEK 122

$5.71 Rp 101.0K

116.64%

Cappuccino

$4.93 SEK 48.62

$2.67 Rp 47.3K

84.64%

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

$2.76 SEK 27.22

$1.75 Rp 31.0K

57.71%

Water (0.33 liter bottle)

$2.23 SEK 21.94

$0.87 Rp 15.4K

156.32%

Local Beer (0.5 liter draught)

$8.28 SEK 81.6

$2.95 Rp 52.3K

180.68%

Imported Beer (0.33 liter bottle)

$7.34 SEK 72.4

$4.52 Rp 80.0K

62.39%

Milk (1 liter)

$1.71 SEK 16.84

$1.62 Rp 28.7K

5.56%

White Bread (500g)

$2.73 SEK 26.91

$2.33 Rp 41.3K

17.17%

Rice (white) (1kg)

$3.92 SEK 38.63

$1.11 Rp 19.6K

253.15%

Eggs

$4.70 SEK 46.33

$2.20 Rp 39.0K

113.64%

Local Cheese (1kg)

$13.11 SEK 129

$17.69 Rp 313.3K

-25.89%

Chicken Fillets (1kg)

$12.30 SEK 121

$4.10 Rp 72.5K

200.00%

Beef Round Steak (1kg)

$17.53 SEK 173

$12.18 Rp 215.6K

43.92%

Apples (1kg)

$3.13 SEK 30.89

$3.71 Rp 65.6K

-15.63%

Banana (1kg)

$3.00 SEK 29.57

$1.59 Rp 28.1K

88.68%

Oranges (1kg)

$2.89 SEK 28.44

$2.28 Rp 40.4K

26.75%

Tomato (1kg)

$4.68 SEK 46.08

$1.95 Rp 34.6K

140.00%

Potato (1kg)

$1.79 SEK 17.66

$1.91 Rp 33.7K

-6.28%

Onion (1kg)

$1.49 SEK 14.70

$2.33 Rp 41.3K

-36.05%

Lettuce (1 head)

$2.74 SEK 27.00

$1.01 Rp 17.8K

171.29%

Water (1.5 liter bottle)

$1.60 SEK 15.81

$0.55 Rp 9,773

190.91%

Cigarettes 20 Pack (Marlboro, Camel)

$8.02 SEK 79.0

$2.23 Rp 39.5K

259.64%

Wine (Bottle)

$11.67 SEK 115

$23.07 Rp 408.6K

-49.41%

Local Beer (0.5 liter bottle)

$2.03 SEK 19.96

$2.42 Rp 42.8K

-16.12%

Imported Beer (0.33 liter bottle)

$2.79 SEK 27.45

$3.00 Rp 53.1K

-7.00%

One-way Ticket (Public Transport)

$3.41 SEK 33.57

$0.27 Rp 4,814

1162.96%

Public Transport Monthly Pass (Regular Price)

$80.1 SEK 789

$8.98 Rp 159.1K

791.87%

Taxi Start (Normal Tariff)

$5.14 SEK 50.6

$0.48 Rp 8,566

970.83%

Taxi (Normal Tariff) (1km)

$1.16 SEK 11.45

$0.43 Rp 7,679

169.77%

Taxi 1hour Waiting (Normal Tariff)

$43.03 SEK 424

$5.64 Rp 99.9K

662.94%

Gasoline (1 liter)

$1.80 SEK 17.72

$0.80 Rp 14.2K

125.00%

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

$34.1K SEK 336.2K

$24.9K Rp 441.7M

36.77%

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

$34.4K SEK 338.5K

$31.7K Rp 561.5M

8.32%

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

$81.5 SEK 803

$81.5 Rp 1.4M

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

$32.13 SEK 317

$6.49 Rp 115.0K

395.07%

Internet (50+ Mbps, Unlimited Data)

$42.81 SEK 422

$18.77 Rp 332.4K

128.08%

Gym Membership (Monthly)

$39.50 SEK 389

$56.9 Rp 1.0M

-30.54%

Tennis Court (1 Hour on Weekend)

$26.42 SEK 260

$18.73 Rp 331.7K

41.06%

Cinema Ticket

$15.50 SEK 153

$4.54 Rp 80.4K

241.41%

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

$165 SEK 1,628

$481 Rp 8.5M

-65.64%

International Primary School, 1 Child (Yearly)

$5,125 SEK 50.5K

$5,711 Rp 101.1M

-10.26%

Jeans (Levis 501 Or Similar)

$83.1 SEK 819

$45.52 Rp 806.0K

82.56%

Summer Dress (H&M, Zara, etc)

$60.5 SEK 596

$35.88 Rp 635.4K

68.67%

Sport Shoes (Adidas, Nike)

$106 SEK 1,043

$80.4 Rp 1.4M

31.68%

Men's Leather Business Shoes

$129 SEK 1,271

$78.7 Rp 1.4M

63.95%

1-bedroom Apartment, City Center (Monthly)

$844 SEK 8,319

$1,115 Rp 19.7M

-24.25%

1-bedroom Apartment, Outside City Center (Monthly)

$621 SEK 6,118

$698 Rp 12.4M

-11.01%

3-bedroom Apartment, City Center (Monthly)

$1,410 SEK 13.9K

$3,637 Rp 64.4M

-61.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,038 SEK 10.2K

$1,737 Rp 30.8M

-40.22%

Buy Apartment in City Center (m2)

$4,235 SEK 41.7K

$2,784 Rp 49.3M

52.09%

Buy Apartment Outside City Center (m2)

$2,859 SEK 28.2K

$2,290 Rp 40.5M

24.85%

Average Monthly Net Salary (After Tax)

$2,104 SEK 20.7K

$168 Rp 3.0M

1152.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.03

13.78

-78.01%

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

Last update for Varnamo: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $844 in Varnamo and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varnamo pays 1152% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $95.0 in Varnamo vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $379 vs $295 per month, with Ubud, Bali cheaper across the board.

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

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

Ubud, Bali wins on cost – living expenses run 31% 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.

Average pay runs 1152% higher in Varnamo, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $844 in Varnamo versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $165 in Varnamo versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Varnamo. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,788 in Varnamo, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Varnamo. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Varnamo and Ubud, Bali 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 Ubud, Bali gentler on the wallet – expenses run 31% less than in Varnamo. Beyond cost, consider language, visa policies, and how big the international community is in each city.