Last update: Oct 2026

Cost of Living Comparison Between Varnamo and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,692 in Varnamo, rent and utilities included – about $4,100 less a year. The total is higher in Varnamo despite lower rent and utilities.

81

Cost of Living Index in Varnamo
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Varnamo Living Index
65

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

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Varnamo

🇸🇪 Sweden

$1,692

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Varnamo 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 Varnamo and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,692 in Varnamo versus $1,349 in Ubud, Bali.

Varnamo $1,692
Ubud, Bali $1,349

Estimated couple costs with rent: $2,672 in Varnamo versus $2,305 in Ubud, Bali.

Varnamo $2,672
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,652 in Varnamo versus $3,261 in Ubud, Bali.

Varnamo $3,652
Ubud, Bali $3,261

Living in Varnamo is roughly 25% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.01 SEK 128

$3.32 Rp 60.3K

291.87%

Three-Course Dinner for Two, Mid-Range

$89.7 SEK 881

$35.64 Rp 646.5K

151.68%

Fast Food Meal (McDonalds, etc)

$12.23 SEK 120

$5.53 Rp 100.4K

121.16%

Cappuccino

$4.68 SEK 45.94

$2.72 Rp 49.3K

72.06%

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

$2.72 SEK 26.68

$1.70 Rp 30.9K

60.00%

Water (0.33 liter bottle)

$2.13 SEK 20.91

$0.76 Rp 13.8K

180.26%

Local Beer (0.5 liter draught)

$7.81 SEK 76.7

$2.65 Rp 48.1K

194.72%

Imported Beer (0.33 liter bottle)

$7.08 SEK 69.6

$4.38 Rp 79.5K

61.64%

Milk (1 liter)

$1.71 SEK 16.84

$1.49 Rp 27.0K

14.77%

White Bread (500g)

$2.50 SEK 24.53

$2.28 Rp 41.3K

9.65%

Rice (white) (1kg)

$3.54 SEK 34.80

$1.19 Rp 21.6K

197.48%

Eggs

$4.63 SEK 45.45

$2.04 Rp 36.9K

126.96%

Local Cheese (1kg)

$12.57 SEK 123

$17.70 Rp 321.1K

-28.98%

Chicken Fillets (1kg)

$11.73 SEK 115

$3.96 Rp 71.9K

196.21%

Beef Round Steak (1kg)

$15.69 SEK 154

$12.19 Rp 221.1K

28.71%

Apples (1kg)

$3.11 SEK 30.57

$3.66 Rp 66.3K

-15.03%

Banana (1kg)

$2.55 SEK 25.03

$1.52 Rp 27.5K

67.76%

Oranges (1kg)

$2.82 SEK 27.67

$2.23 Rp 40.4K

26.46%

Tomato (1kg)

$4.52 SEK 44.38

$1.97 Rp 35.8K

129.44%

Potato (1kg)

$1.72 SEK 16.93

$1.85 Rp 33.5K

-7.03%

Onion (1kg)

$1.41 SEK 13.86

$2.42 Rp 44.0K

-41.74%

Lettuce (1 head)

$2.57 SEK 25.24

$0.99 Rp 18.0K

159.60%

Water (1.5 liter bottle)

$1.52 SEK 14.96

$0.51 Rp 9,313

198.04%

Cigarettes 20 Pack (Marlboro, Camel)

$7.81 SEK 76.7

$2.22 Rp 40.3K

251.80%

Wine (Bottle)

$11.14 SEK 109

$22.24 Rp 403.4K

-49.91%

Local Beer (0.5 liter bottle)

$1.93 SEK 19.00

$2.26 Rp 41.0K

-14.60%

Imported Beer (0.33 liter bottle)

$2.64 SEK 25.96

$2.97 Rp 53.9K

-11.11%

One-way Ticket (Public Transport)

$3.19 SEK 31.35

$0.25 Rp 4,553

1176.00%

Public Transport Monthly Pass (Regular Price)

$74.7 SEK 734

$7.82 Rp 141.9K

855.37%

Taxi Start (Normal Tariff)

$5.04 SEK 49.51

$0.44 Rp 7,972

1045.45%

Taxi (Normal Tariff) (1km)

$1.08 SEK 10.59

$0.43 Rp 7,801

151.16%

Taxi 1hour Waiting (Normal Tariff)

$41.06 SEK 403

$5.41 Rp 98.1K

658.96%

Gasoline (1 liter)

$1.72 SEK 16.88

$0.82 Rp 15.0K

109.76%

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

$33.6K SEK 329.7K

$23.8K Rp 432.4M

40.83%

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

$34.2K SEK 336.3K

$31.7K Rp 575.9M

7.87%

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

$77.0 SEK 756

$79.1 Rp 1.4M

-2.67%

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

$17.22 SEK 169

$6.45 Rp 116.9K

166.98%

Internet (50+ Mbps, Unlimited Data)

$30.45 SEK 299

$18.58 Rp 337.0K

63.89%

Gym Membership (Monthly)

$39.03 SEK 383

$49.48 Rp 897.5K

-21.12%

Tennis Court (1 Hour on Weekend)

$22.33 SEK 219

$17.65 Rp 320.1K

26.52%

Cinema Ticket

$15.36 SEK 151

$4.27 Rp 77.5K

259.72%

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

$157 SEK 1,540

$491 Rp 8.9M

-68.03%

International Primary School, 1 Child (Yearly)

$4,450 SEK 43.7K

$5,674 Rp 102.9M

-21.58%

Jeans (Levis 501 Or Similar)

$80.4 SEK 790

$44.64 Rp 809.7K

80.15%

Summer Dress (H&M, Zara, etc)

$56.8 SEK 557

$34.95 Rp 634.0K

62.37%

Sport Shoes (Adidas, Nike)

$99.9 SEK 981

$79.9 Rp 1.4M

25.01%

Men's Leather Business Shoes

$123 SEK 1,209

$79.4 Rp 1.4M

55.06%

1-bedroom Apartment, City Center (Monthly)

$794 SEK 7,800

$1,125 Rp 20.4M

-29.38%

1-bedroom Apartment, Outside City Center (Monthly)

$612 SEK 6,006

$671 Rp 12.2M

-8.91%

3-bedroom Apartment, City Center (Monthly)

$1,178 SEK 11.6K

$3,565 Rp 64.7M

-66.96%

3-bedroom Apartment, Outside City Center (Monthly)

$985 SEK 9,670

$1,723 Rp 31.3M

-42.86%

Buy Apartment in City Center (m2)

$4,023 SEK 39.5K

$2,732 Rp 49.5M

47.29%

Buy Apartment Outside City Center (m2)

$2,853 SEK 28.0K

$2,284 Rp 41.4M

24.92%

Average Monthly Net Salary (After Tax)

$2,032 SEK 20.0K

$164 Rp 3.0M

1140.35%

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: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Varnamo

$612 36.2%

Ubud, Bali

$672 49.8% 9.8% $60

Groceries & Markets

Varnamo

$357 21.1%

Ubud, Bali

$288 21.4% 19.1% $68

Eating Out

Varnamo

$269 15.9%

Ubud, Bali

$108 8% 60% $162

Clothing & Footwear

Varnamo

$162 9.6%

Ubud, Bali

$108 8% 33.7% $55

Monthly Utilities & Internet

Varnamo

$125 7.4%

Ubud, Bali

$104 7.7% 16.5% $21

Getting Around

Varnamo

$98 5.8%

Ubud, Bali

$11 0.9% 88.3% $87

Sport & Entertainment

Varnamo

$70 4.1%

Ubud, Bali

$58 4.3% 16.8% $12

Cost Breakdown

A one-bedroom apartment in the center runs $794 in Varnamo and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varnamo pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $90 in Varnamo vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $357 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇸🇪 Varnamo

🇮🇩 Ubud, Bali

🕒 Local time

03:37 3:37 AM

10:37 10:37 AM

7 h ahead of Varnamo

🌤 Weather

👥 Population

19,778

74,800

💱 Currency

Swedish Krona SEK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 SEK = 10.18 USD

100 SEK = 9.12 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to SEK – Swedish Krona Converter

🇺🇸 United States Dollar ($)

🇸🇪 Swedish Krona (kr)

Swedish Krona exchange rates as of November 2, 2026: 1 USD = 9.82 SEK (1 SEK = 0.102 USD). 1 EUR = 10.96 SEK (100 SEK = 9.12 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to SEK in detail →

On the map

Lowest

Highest

Between locations

Varnamo Ubud, Bali 11,480 km ≈ 15 h nonstop flight

From you

Varnamo
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

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

Ubud, Bali wins on cost – living expenses run 20% 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 in Varnamo is about 12 times higher, 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: $794 in Varnamo versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $157 in Varnamo 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 24% higher in Varnamo. 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, Varnamo and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Varnamo on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.