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

Monthly Cost of Living

A single person spends $746 per month in Accra vs $1,408 in Ubud, Bali, rent included.

A couple spends around $1,304 per month in Accra vs $2,585 in Ubud, Bali, rent included.

A family of three spends $1,862 per month in Accra vs $3,763 in Ubud, Bali, rent included.

Accra is about 47% cheaper than Ubud, Bali, driven mainly by Clothing & Footwear.

Accra sits 44% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.34 GHS 50.1

$3.45 Rp 62.1K

25.80%

Three-Course Dinner for Two, Mid-Range

$48.15 GHS 556

$32.34 Rp 581.1K

48.89%

Fast Food Meal (McDonalds, etc)

$7.70 GHS 88.9

$4.84 Rp 87.1K

59.09%

Cappuccino

$3.50 GHS 40.40

$2.75 Rp 49.4K

27.27%

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

$1.00 GHS 11.54

$1.38 Rp 24.9K

-27.54%

Water (0.33 liter bottle)

$0.35 GHS 3.98

$0.75 Rp 13.5K

-53.33%

Local Beer (0.5 liter draught)

$1.53 GHS 17.61

$2.99 Rp 53.8K

-48.83%

Imported Beer (0.33 liter bottle)

$2.56 GHS 29.53

$3.85 Rp 69.2K

-33.51%

Milk (1 liter)

$3.37 GHS 38.91

$1.74 Rp 31.2K

93.68%

White Bread (500g)

$1.46 GHS 16.83

$2.46 Rp 44.2K

-40.65%

Rice (white) (1kg)

$2.47 GHS 28.46

$1.17 Rp 21.0K

111.11%

Eggs

$2.27 GHS 26.17

$2.43 Rp 43.7K

-6.58%

Local Cheese (1kg)

$11.22 GHS 129

$14.50 Rp 260.6K

-22.62%

Chicken Fillets (1kg)

$4.54 GHS 52.4

$4.35 Rp 78.2K

4.37%

Beef Round Steak (1kg)

$5.87 GHS 67.8

$11.98 Rp 215.3K

-51.00%

Apples (1kg)

$2.90 GHS 33.44

$3.72 Rp 66.8K

-22.04%

Banana (1kg)

$1.46 GHS 16.84

$1.63 Rp 29.2K

-10.43%

Oranges (1kg)

$1.71 GHS 19.78

$2.74 Rp 49.3K

-37.59%

Tomato (1kg)

$3.17 GHS 36.59

$2.24 Rp 40.3K

41.52%

Potato (1kg)

$2.98 GHS 34.36

$1.92 Rp 34.5K

55.21%

Onion (1kg)

$2.46 GHS 28.38

$2.28 Rp 40.9K

7.89%

Lettuce (1 head)

$0.76 GHS 8.80

$1.06 Rp 19.1K

-28.30%

Water (1.5 liter bottle)

$0.48 GHS 5.54

$0.72 Rp 12.9K

-33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$1.58 GHS 18.26

$3.29 Rp 59.0K

-51.98%

Wine (Bottle)

$7.30 GHS 84.3

$23.19 Rp 416.8K

-68.52%

Local Beer (0.5 liter bottle)

$1.16 GHS 13.37

$2.78 Rp 49.9K

-58.27%

Imported Beer (0.33 liter bottle)

$1.96 GHS 22.66

$2.73 Rp 49.1K

-28.21%

One-way Ticket (Public Transport)

$1.05 GHS 12.09

$0.27 Rp 4,786

288.89%

Public Transport Monthly Pass (Regular Price)

$35.17 GHS 406

$8.11 Rp 145.7K

333.66%

Taxi Start (Normal Tariff)

$1.54 GHS 17.74

$0.48 Rp 8,675

220.83%

Taxi (Normal Tariff) (1km)

$1.17 GHS 13.45

$0.42 Rp 7,545

178.57%

Taxi 1hour Waiting (Normal Tariff)

$5.38 GHS 62.0

$6.22 Rp 111.8K

-13.50%

Gasoline (1 liter)

$1.13 GHS 12.99

$0.81 Rp 14.6K

39.51%

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

$8,009 GHS 92.4K

$26.6K Rp 478.2M

-69.90%

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

$9,480 GHS 109.4K

$32.2K Rp 578.5M

-70.55%

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

$55.6 GHS 642

$78.4 Rp 1.4M

-29.01%

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

$13.03 GHS 150

$4.07 Rp 73.1K

220.15%

Internet (50+ Mbps, Unlimited Data)

$37.61 GHS 434

$24.33 Rp 437.1K

54.58%

Gym Membership (Monthly)

$35.17 GHS 406

$98.6 Rp 1.8M

-64.33%

Tennis Court (1 Hour on Weekend)

$16.03 GHS 185

$6.34 Rp 113.9K

152.84%

Cinema Ticket

$9.74 GHS 112

$3.99 Rp 71.6K

144.11%

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

$72.2 GHS 833

$305 Rp 5.5M

-76.34%

International Primary School, 1 Child (Yearly)

$7,959 GHS 91.8K

$6,642 Rp 119.4M

19.82%

Jeans (Levis 501 Or Similar)

$14.51 GHS 167

$54.1 Rp 972.9K

-73.20%

Summer Dress (H&M, Zara, etc)

$18.82 GHS 217

$37.81 Rp 679.4K

-50.22%

Sport Shoes (Adidas, Nike)

$28.88 GHS 333

$86.8 Rp 1.6M

-66.74%

Men's Leather Business Shoes

$40.84 GHS 471

$76.4 Rp 1.4M

-46.51%

1-bedroom Apartment, City Center (Monthly)

$530 GHS 6,114

$992 Rp 17.8M

-46.59%

1-bedroom Apartment, Outside City Center (Monthly)

$147 GHS 1,698

$673 Rp 12.1M

-78.12%

3-bedroom Apartment, City Center (Monthly)

$1,048 GHS 12.1K

$3,375 Rp 60.7M

-68.96%

3-bedroom Apartment, Outside City Center (Monthly)

$378 GHS 4,366

$2,050 Rp 36.8M

-81.55%

Buy Apartment in City Center (m2)

$2,797 GHS 32.3K

$2,805 Rp 50.4M

-0.26%

Buy Apartment Outside City Center (m2)

$1,469 GHS 17.0K

$2,227 Rp 40.0M

-34.04%

Average Monthly Net Salary (After Tax)

$180 GHS 2,081

$167 Rp 3.0M

8.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

25.4

13.28

91.27%

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

Last update for Accra: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A central one-bedroom costs $530 in Accra versus $992 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 8% higher in Accra, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $48.00 in Accra versus $32.00 in Ubud, Bali. Groceries tell a different story – $234 in Accra vs $297 in Ubud, Bali – so Accra wins on supermarket bills even if dining out costs more.

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

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

Monthly costs with rent: $746 in Accra, $1,408 in Ubud, Bali – roughly 89% apart. Ubud, Bali costs more across the board, with Clothing & Footwear showing the biggest gap.

For a comfortable life, plan on about $1,119 per month in Accra and $2,112 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Accra, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 27% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $48.00 in Accra and $32.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Accra, where all-in costs run around $746, than in Ubud, Bali at $1,408. In Accra it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Accra has an edge in some lifestyle areas, with costs from $746 in Accra to $1,408 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Accra. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.