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: $1,803 in Varnamo versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $2,833 in Varnamo versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,863 in Varnamo versus $3,723 in Ubud, Bali.

Living in Varnamo is roughly 30% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Varnamo 35% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$12.77 SEK 121

$3.57 Rp 64.5K

257.70%

Three-Course Dinner for Two, Mid-Range

$88.7 SEK 843

$32.32 Rp 583.4K

174.50%

Fast Food Meal (McDonalds, etc)

$11.98 SEK 114

$5.01 Rp 90.4K

139.12%

Cappuccino

$4.93 SEK 46.85

$2.82 Rp 51.0K

74.82%

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

$2.87 SEK 27.24

$1.35 Rp 24.4K

112.59%

Water (0.33 liter bottle)

$2.13 SEK 20.21

$0.73 Rp 13.2K

191.78%

Local Beer (0.5 liter draught)

$8.03 SEK 76.3

$2.93 Rp 53.0K

174.06%

Imported Beer (0.33 liter bottle)

$7.58 SEK 72.0

$3.94 Rp 71.1K

92.39%

Milk (1 liter)

$1.60 SEK 15.25

$1.78 Rp 32.1K

-10.11%

White Bread (500g)

$2.16 SEK 20.55

$2.45 Rp 44.2K

-11.84%

Rice (white) (1kg)

$3.06 SEK 29.04

$1.15 Rp 20.7K

166.09%

Eggs

$4.62 SEK 43.84

$2.41 Rp 43.6K

91.70%

Local Cheese (1kg)

$12.84 SEK 122

$14.33 Rp 258.7K

-10.40%

Chicken Fillets (1kg)

$11.69 SEK 111

$4.19 Rp 75.6K

179.00%

Beef Round Steak (1kg)

$17.16 SEK 163

$12.06 Rp 217.7K

42.29%

Apples (1kg)

$3.21 SEK 30.47

$3.64 Rp 65.7K

-11.81%

Banana (1kg)

$2.87 SEK 27.22

$1.57 Rp 28.3K

82.80%

Oranges (1kg)

$2.89 SEK 27.45

$2.79 Rp 50.3K

3.58%

Tomato (1kg)

$4.45 SEK 42.23

$2.24 Rp 40.5K

98.66%

Potato (1kg)

$1.74 SEK 16.49

$1.98 Rp 35.7K

-12.12%

Onion (1kg)

$1.59 SEK 15.06

$2.28 Rp 41.1K

-30.26%

Lettuce (1 head)

$2.55 SEK 24.27

$1.05 Rp 19.0K

142.86%

Water (1.5 liter bottle)

$1.24 SEK 11.82

$0.79 Rp 14.2K

56.96%

Cigarettes 20 Pack (Marlboro, Camel)

$7.84 SEK 74.5

$3.19 Rp 57.6K

145.77%

Wine (Bottle)

$11.27 SEK 107

$23.49 Rp 424.1K

-52.02%

Local Beer (0.5 liter bottle)

$2.03 SEK 19.29

$2.90 Rp 52.3K

-30.00%

Imported Beer (0.33 liter bottle)

$2.23 SEK 21.21

$2.76 Rp 49.7K

-19.20%

One-way Ticket (Public Transport)

$3.30 SEK 31.39

$0.27 Rp 4,813

1122.22%

Public Transport Monthly Pass (Regular Price)

$73.4 SEK 697

$8.37 Rp 151.1K

776.58%

Taxi Start (Normal Tariff)

$5.53 SEK 52.5

$0.45 Rp 8,167

1128.89%

Taxi (Normal Tariff) (1km)

$2.53 SEK 24.08

$0.46 Rp 8,298

450.00%

Taxi 1hour Waiting (Normal Tariff)

$63.9 SEK 607

$6.07 Rp 109.6K

952.72%

Gasoline (1 liter)

$1.97 SEK 18.69

$0.86 Rp 15.6K

129.07%

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

$32.3K SEK 306.9K

$26.6K Rp 480.0M

21.50%

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

$34.2K SEK 325.1K

$32.5K Rp 587.6M

5.15%

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

$119 SEK 1,132

$79.0 Rp 1.4M

50.84%

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

$29.16 SEK 277

$4.09 Rp 73.9K

612.96%

Internet (50+ Mbps, Unlimited Data)

$40.96 SEK 389

$23.85 Rp 430.5K

71.74%

Gym Membership (Monthly)

$41.18 SEK 391

$98.8 Rp 1.8M

-58.31%

Tennis Court (1 Hour on Weekend)

$25.42 SEK 242

$6.35 Rp 114.7K

300.31%

Cinema Ticket

$18.14 SEK 172

$4.01 Rp 72.3K

352.37%

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

$176 SEK 1,674

$297 Rp 5.4M

-40.73%

International Primary School, 1 Child (Yearly)

$4,148 SEK 39.4K

$6,602 Rp 119.2M

-37.17%

Jeans (Levis 501 Or Similar)

$81.4 SEK 774

$53.4 Rp 964.5K

52.41%

Summer Dress (H&M, Zara, etc)

$60.8 SEK 577

$38.11 Rp 688.1K

59.41%

Sport Shoes (Adidas, Nike)

$104 SEK 991

$88.7 Rp 1.6M

17.71%

Men's Leather Business Shoes

$128 SEK 1,217

$76.6 Rp 1.4M

67.25%

1-bedroom Apartment, City Center (Monthly)

$852 SEK 8,094

$1,020 Rp 18.4M

-16.45%

1-bedroom Apartment, Outside City Center (Monthly)

$665 SEK 6,320

$680 Rp 12.3M

-2.20%

3-bedroom Apartment, City Center (Monthly)

$1,387 SEK 13.2K

$3,469 Rp 62.6M

-60.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,098 SEK 10.4K

$2,090 Rp 37.7M

-47.45%

Buy Apartment in City Center (m2)

$4,181 SEK 39.7K

$2,729 Rp 49.3M

53.21%

Buy Apartment Outside City Center (m2)

$2,906 SEK 27.6K

$2,295 Rp 41.4M

26.58%

Average Monthly Net Salary (After Tax)

$2,092 SEK 19.9K

$164 Rp 3.0M

1178.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.8

13.28

-63.86%

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

Last update for Varnamo: July 26, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $852 in Varnamo and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varnamo pays 1178% 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: $89.0 in Varnamo vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $355 vs $298 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 30% 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 1178% 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: $852 in Varnamo versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $176 in Varnamo versus $297 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 19% higher in Varnamo. For households that cook at home regularly, that difference adds up over a month.

At $1,392 in Ubud, Bali versus $1,803 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 $1,392 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 30% less than in Varnamo. Beyond cost, consider language, visa policies, and how big the international community is in each city.