Last update: Oct 2026

Cost of Living Comparison Between Zakho and Ubud, Bali

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.

35

Cost of Living Index in Zakho
Learn more

Zakho Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Zakho

🇮🇶 Iraq

$725

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

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

Zakho $725
Ubud, Bali $1,349

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

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

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

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

Living in Zakho costs roughly 46% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$4.18 IQD 6,310

$3.32 Rp 60.2K

25.90%

Three-Course Dinner for Two, Mid-Range

$36.97 IQD 55.9K

$35.64 Rp 645.8K

3.73%

Fast Food Meal (McDonalds, etc)

$7.14 IQD 10.8K

$5.53 Rp 100.3K

29.11%

Cappuccino

$3.21 IQD 4,856

$2.72 Rp 49.3K

18.01%

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

$0.83 IQD 1,256

$1.70 Rp 30.8K

-51.18%

Water (0.33 liter bottle)

$0.33 IQD 506

$0.76 Rp 13.8K

-56.58%

Local Beer (0.5 liter draught)

$5.65 IQD 8,535

$2.65 Rp 48.1K

113.21%

Imported Beer (0.33 liter bottle)

$3.94 IQD 5,960

$4.38 Rp 79.4K

-10.05%

Milk (1 liter)

$1.10 IQD 1,669

$1.49 Rp 27.0K

-26.17%

White Bread (500g)

$0.68 IQD 1,023

$2.28 Rp 41.2K

-70.18%

Rice (white) (1kg)

$1.50 IQD 2,271

$1.19 Rp 21.6K

26.05%

Eggs

$1.58 IQD 2,382

$2.04 Rp 36.9K

-22.55%

Local Cheese (1kg)

$6.88 IQD 10.4K

$17.70 Rp 320.8K

-61.13%

Chicken Fillets (1kg)

$4.26 IQD 6,440

$3.96 Rp 71.8K

7.58%

Beef Round Steak (1kg)

$12.69 IQD 19.2K

$12.19 Rp 220.9K

4.10%

Apples (1kg)

$0.98 IQD 1,484

$3.66 Rp 66.2K

-73.22%

Banana (1kg)

$0.94 IQD 1,414

$1.52 Rp 27.5K

-38.16%

Oranges (1kg)

$1.02 IQD 1,536

$2.23 Rp 40.4K

-54.26%

Tomato (1kg)

$0.65 IQD 986

$1.97 Rp 35.7K

-67.01%

Potato (1kg)

$0.61 IQD 920

$1.85 Rp 33.5K

-67.03%

Onion (1kg)

$0.59 IQD 895

$2.42 Rp 43.9K

-75.62%

Lettuce (1 head)

$0.61 IQD 926

$0.99 Rp 17.9K

-38.38%

Water (1.5 liter bottle)

$0.51 IQD 775

$0.51 Rp 9,303

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 IQD 3,300

$2.22 Rp 40.3K

-1.80%

Wine (Bottle)

$10.80 IQD 16.3K

$22.24 Rp 403.0K

-51.44%

Local Beer (0.5 liter bottle)

$1.46 IQD 2,213

$2.26 Rp 41.0K

-35.40%

Imported Beer (0.33 liter bottle)

$1.81 IQD 2,737

$2.97 Rp 53.8K

-39.06%

One-way Ticket (Public Transport)

$0.29 IQD 439

$0.25 Rp 4,548

16.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$1.68 IQD 2,546

$0.44 Rp 7,964

281.82%

Taxi (Normal Tariff) (1km)

$1.61 IQD 2,440

$0.43 Rp 7,793

274.42%

Taxi 1hour Waiting (Normal Tariff)

$5.65 IQD 8,531

$5.41 Rp 98.0K

4.44%

Gasoline (1 liter)

$0.59 IQD 886

$0.82 Rp 14.9K

-28.05%

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

$16.5K IQD 24.9M

$23.8K Rp 432.0M

-30.94%

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

$17.1K IQD 25.8M

$31.7K Rp 575.3M

-46.20%

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

$115 IQD 173.5K

$79.1 Rp 1.4M

45.23%

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

$12.27 IQD 18.5K

$6.45 Rp 116.8K

90.23%

Internet (50+ Mbps, Unlimited Data)

$24.28 IQD 36.7K

$18.58 Rp 336.7K

30.68%

Gym Membership (Monthly)

$39.56 IQD 59.8K

$49.48 Rp 896.7K

-20.05%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$9.75 IQD 14.7K

$4.27 Rp 77.4K

128.34%

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

$298 IQD 450.7K

$491 Rp 8.9M

-39.19%

International Primary School, 1 Child (Yearly)

$2,742 IQD 4.1M

$5,674 Rp 102.8M

-51.68%

Jeans (Levis 501 Or Similar)

$26.56 IQD 40.1K

$44.64 Rp 808.9K

-40.50%

Summer Dress (H&M, Zara, etc)

$19.78 IQD 29.9K

$34.95 Rp 633.4K

-43.40%

Sport Shoes (Adidas, Nike)

$49.59 IQD 74.9K

$79.9 Rp 1.4M

-37.93%

Men's Leather Business Shoes

$39.81 IQD 60.1K

$79.4 Rp 1.4M

-49.87%

1-bedroom Apartment, City Center (Monthly)

$207 IQD 313.3K

$1,125 Rp 20.4M

-81.57%

1-bedroom Apartment, Outside City Center (Monthly)

$136 IQD 205.0K

$671 Rp 12.2M

-79.79%

3-bedroom Apartment, City Center (Monthly)

$370 IQD 558.5K

$3,565 Rp 64.6M

-89.63%

3-bedroom Apartment, Outside City Center (Monthly)

$319 IQD 482.7K

$1,723 Rp 31.2M

-81.46%

Buy Apartment in City Center (m2)

$888 IQD 1.3M

$2,732 Rp 49.5M

-67.48%

Buy Apartment Outside City Center (m2)

$551 IQD 833.0K

$2,284 Rp 41.4M

-75.86%

Average Monthly Net Salary (After Tax)

$660 IQD 997.8K

$164 Rp 3.0M

303.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.53

13.78

-81.64%

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

Last update for Zakho: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Zakho

$172 23.8%

Ubud, Bali

$288 21.4% 67.5% $116

Monthly Utilities & Internet

Zakho

$151 20.9%

Ubud, Bali

$104 7.7% 31.2% $47

Accommodation & Living

Zakho

$136 18.7%

Ubud, Bali

$672 49.8% 395% $536

Eating Out

Zakho

$134 18.5%

Ubud, Bali

$108 8% 19.8% $27

Clothing & Footwear

Zakho

$61 8.4%

Ubud, Bali

$108 8% 76% $46

Sport & Entertainment

Zakho

$59 8.2%

Ubud, Bali

$58 4.3% 1.8% $1

Getting Around

Zakho

$11 * 1.5%

Ubud, Bali

$11 0.9% 4.6% $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 $207 in Zakho and $1,125 in Ubud, Bali. 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: $37 in Zakho vs $36 in Ubud, Bali. Groceries flip the comparison at $172 vs $288, with Zakho cheaper for home cooking.

Good to know

🇮🇶 Zakho

🇮🇩 Ubud, Bali

🕒 Local time

06:14 6:14 AM

11:14 11:14 AM

5 h ahead of Zakho

🌤 Weather

👥 Population

197,163

74,800

💱 Currency

Iraqi Dinar IQD ع.د

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 IQD = 6.62 USD

10,000 IQD = 5.93 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to IQD – Iraqi Dinar Converter

🇺🇸 United States Dollar ($)

🇮🇶 Iraqi Dinar (ع.د)

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).

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).

USD to IQD in detail →

On the map

Lowest

Highest

Between locations

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

From you

Zakho
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

Zakho vs Ubud, Bali: 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.

Average pay in Zakho is about 4 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: $207 in Zakho versus $1,125 in Ubud, Bali. 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 $725 per month in Zakho versus $1,349 in Ubud, Bali – 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, Zakho and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.