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

Monthly Cost of Living

Monthly costs for one person with rent: $893 in Zakho versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $1,364 in Zakho versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,834 in Zakho versus $3,732 in Ubud, Bali.

Living in Zakho costs roughly 38% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Zakho is 33% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$7.72 IQD 10.1K

$3.57 Rp 61.6K

116.25%

Three-Course Dinner for Two, Mid-Range

$22.91 IQD 30.0K

$32.58 Rp 562.6K

-29.68%

Fast Food Meal (McDonalds, etc)

$8.68 IQD 11.4K

$5.07 Rp 87.5K

71.20%

Cappuccino

$3.13 IQD 4,095

$2.83 Rp 48.8K

10.60%

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

$0.48 IQD 628

$1.34 Rp 23.1K

-64.18%

Water (0.33 liter bottle)

$0.22 IQD 288

$0.69 Rp 12.0K

-68.12%

Local Beer (0.5 liter draught)

$2.01 IQD 2,629

$2.99 Rp 51.6K

-32.78%

Imported Beer (0.33 liter bottle)

$2.08 IQD 2,722

$3.85 Rp 66.4K

-45.97%

Milk (1 liter)

$1.37 IQD 1,789

$1.74 Rp 30.1K

-21.26%

White Bread (500g)

$0.81 IQD 1,056

$2.54 Rp 43.8K

-68.11%

Rice (white) (1kg)

$1.79 IQD 2,351

$1.19 Rp 20.6K

50.42%

Eggs

$1.97 IQD 2,585

$2.43 Rp 41.9K

-18.93%

Local Cheese (1kg)

$7.57 IQD 9,916

$14.66 Rp 253.2K

-48.36%

Chicken Fillets (1kg)

$4.79 IQD 6,274

$4.18 Rp 72.1K

14.59%

Beef Round Steak (1kg)

$13.95 IQD 18.3K

$11.94 Rp 206.1K

16.83%

Apples (1kg)

$1.15 IQD 1,502

$3.69 Rp 63.6K

-68.83%

Banana (1kg)

$1.14 IQD 1,493

$1.61 Rp 27.7K

-29.19%

Oranges (1kg)

$1.17 IQD 1,537

$2.69 Rp 46.4K

-56.51%

Tomato (1kg)

$0.81 IQD 1,064

$2.33 Rp 40.2K

-65.24%

Potato (1kg)

$0.67 IQD 879

$1.91 Rp 32.9K

-64.92%

Onion (1kg)

$0.76 IQD 990

$2.19 Rp 37.7K

-65.30%

Lettuce (1 head)

$0.77 IQD 1,013

$1.06 Rp 18.3K

-27.36%

Water (1.5 liter bottle)

$0.52 IQD 687

$0.72 Rp 12.5K

-27.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.73 IQD 3,576

$3.13 Rp 54.1K

-12.78%

Wine (Bottle)

$12.23 IQD 16.0K

$23.49 Rp 405.6K

-47.94%

Local Beer (0.5 liter bottle)

$1.43 IQD 1,871

$2.74 Rp 47.3K

-47.81%

Imported Beer (0.33 liter bottle)

$2.04 IQD 2,668

$2.88 Rp 49.7K

-29.17%

One-way Ticket (Public Transport)

$0.40 IQD 522

$0.29 Rp 5,010

37.93%

Public Transport Monthly Pass (Regular Price)

$31.69 IQD 41.5K

$8.17 Rp 141.0K

287.88%

Taxi Start (Normal Tariff)

$2.32 IQD 3,034

$0.45 Rp 7,834

415.56%

Taxi (Normal Tariff) (1km)

$2.30 IQD 3,013

$0.42 Rp 7,278

447.62%

Taxi 1hour Waiting (Normal Tariff)

$6.74 IQD 8,823

$6.16 Rp 106.3K

9.42%

Gasoline (1 liter)

$0.70 IQD 913

$0.84 Rp 14.5K

-16.67%

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

$18.8K IQD 24.6M

$26.2K Rp 453.1M

-28.48%

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

$20.4K IQD 26.7M

$32.5K Rp 560.8M

-37.21%

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

$99.3 IQD 130.1K

$78.4 Rp 1.4M

26.68%

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

$17.84 IQD 23.4K

$3.95 Rp 68.2K

351.65%

Internet (50+ Mbps, Unlimited Data)

$29.52 IQD 38.7K

$24.40 Rp 421.4K

20.98%

Gym Membership (Monthly)

$37.43 IQD 49.0K

$96.5 Rp 1.7M

-61.23%

Tennis Court (1 Hour on Weekend)

$16.78 IQD 22.0K

$6.35 Rp 109.6K

164.25%

Cinema Ticket

$11.46 IQD 15.0K

$4.04 Rp 69.7K

183.66%

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

$266 IQD 348.1K

$303 Rp 5.2M

-12.17%

International Primary School, 1 Child (Yearly)

$3,229 IQD 4.2M

$6,523 Rp 112.6M

-50.49%

Jeans (Levis 501 Or Similar)

$33.39 IQD 43.7K

$53.8 Rp 929.5K

-37.98%

Summer Dress (H&M, Zara, etc)

$48.02 IQD 62.9K

$37.98 Rp 655.8K

26.43%

Sport Shoes (Adidas, Nike)

$80.8 IQD 105.9K

$86.8 Rp 1.5M

-6.83%

Men's Leather Business Shoes

$78.5 IQD 102.8K

$78.9 Rp 1.4M

-0.44%

1-bedroom Apartment, City Center (Monthly)

$238 IQD 311.4K

$1,012 Rp 17.5M

-76.51%

1-bedroom Apartment, Outside City Center (Monthly)

$178 IQD 233.2K

$674 Rp 11.6M

-73.60%

3-bedroom Apartment, City Center (Monthly)

$584 IQD 764.9K

$3,390 Rp 58.5M

-82.77%

3-bedroom Apartment, Outside City Center (Monthly)

$343 IQD 449.7K

$2,098 Rp 36.2M

-83.63%

Buy Apartment in City Center (m2)

$2,985 Rp 51.5M

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.4M

Average Monthly Net Salary (After Tax)

$646 IQD 846.6K

$173 Rp 3.0M

273.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.67

13.28

-57.30%

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

Last update for Zakho: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $238 in Zakho and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zakho pays 273% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Zakho vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $195 vs $298 per month, with Zakho 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

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

Zakho wins on cost – living expenses run 61% 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.

Zakho pays 273% more on average, 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: $238 in Zakho versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $266 in Zakho versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $893 in Zakho versus $1,438 in Ubud, Bali, a $1,500 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 work as nomad bases, but Zakho delivers better value – similar infrastructure at $893 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zakho hard to pass up.

Safety-wise, Zakho 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 Zakho gentler on the wallet – expenses run 61% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.