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 $1,094 per month in Accra vs $1,396 in Ubud, Bali, rent included.

A couple spends around $1,741 per month in Accra vs $2,334 in Ubud, Bali, rent included.

A family of three spends $2,388 per month in Accra vs $3,273 in Ubud, Bali, rent included.

Accra is about 22% cheaper than Ubud, Bali, driven mainly by Eating Out.

Accra sits 20% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.04 GHS 90.9

$3.37 Rp 59.7K

138.58%

Three-Course Dinner for Two, Mid-Range

$54.2 GHS 612

$38.59 Rp 682.4K

40.40%

Fast Food Meal (McDonalds, etc)

$10.76 GHS 122

$5.52 Rp 97.6K

94.93%

Cappuccino

$4.47 GHS 50.5

$2.64 Rp 46.8K

69.32%

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

$1.63 GHS 18.45

$1.67 Rp 29.6K

-2.40%

Water (0.33 liter bottle)

$0.49 GHS 5.50

$0.77 Rp 13.6K

-36.36%

Local Beer (0.5 liter draught)

$1.84 GHS 20.83

$2.63 Rp 46.6K

-30.04%

Imported Beer (0.33 liter bottle)

$2.37 GHS 26.81

$4.28 Rp 75.7K

-44.63%

Milk (1 liter)

$3.71 GHS 41.97

$1.55 Rp 27.3K

139.35%

White Bread (500g)

$1.72 GHS 19.45

$2.22 Rp 39.3K

-22.52%

Rice (white) (1kg)

$3.13 GHS 35.35

$1.13 Rp 19.9K

176.99%

Eggs

$2.69 GHS 30.36

$2.09 Rp 36.9K

28.71%

Local Cheese (1kg)

$12.30 GHS 139

$17.39 Rp 307.6K

-29.27%

Chicken Fillets (1kg)

$7.43 GHS 84.0

$3.87 Rp 68.4K

91.99%

Beef Round Steak (1kg)

$9.93 GHS 112

$12.55 Rp 221.9K

-20.88%

Apples (1kg)

$3.79 GHS 42.83

$3.62 Rp 63.9K

4.70%

Banana (1kg)

$1.47 GHS 16.64

$1.56 Rp 27.6K

-5.77%

Oranges (1kg)

$1.82 GHS 20.58

$2.35 Rp 41.6K

-22.55%

Tomato (1kg)

$3.68 GHS 41.60

$2.06 Rp 36.4K

78.64%

Potato (1kg)

$2.80 GHS 31.66

$1.90 Rp 33.6K

47.37%

Onion (1kg)

$2.74 GHS 30.96

$2.34 Rp 41.3K

17.09%

Lettuce (1 head)

$0.76 GHS 8.63

$1.03 Rp 18.2K

-26.21%

Water (1.5 liter bottle)

$0.61 GHS 6.93

$0.55 Rp 9,809

10.91%

Cigarettes 20 Pack (Marlboro, Camel)

$2.70 GHS 30.50

$2.25 Rp 39.8K

20.00%

Wine (Bottle)

$7.38 GHS 83.4

$23.81 Rp 421.0K

-69.00%

Local Beer (0.5 liter bottle)

$1.26 GHS 14.19

$2.31 Rp 40.9K

-45.45%

Imported Beer (0.33 liter bottle)

$2.43 GHS 27.47

$2.80 Rp 49.5K

-13.21%

One-way Ticket (Public Transport)

$1.59 GHS 17.95

$0.27 Rp 4,816

488.89%

Public Transport Monthly Pass (Regular Price)

$41.38 GHS 468

$8.66 Rp 153.2K

377.83%

Taxi Start (Normal Tariff)

$1.79 GHS 20.28

$0.48 Rp 8,515

272.92%

Taxi (Normal Tariff) (1km)

$1.31 GHS 14.84

$0.45 Rp 7,887

191.11%

Taxi 1hour Waiting (Normal Tariff)

$4.47 GHS 50.5

$5.72 Rp 101.1K

-21.85%

Gasoline (1 liter)

$1.39 GHS 15.67

$0.76 Rp 13.4K

82.89%

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

$7,977 GHS 90.1K

$24.5K Rp 433.0M

-67.42%

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

$10.3K GHS 115.9K

$32.1K Rp 568.0M

-68.08%

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

$74.7 GHS 844

$83.6 Rp 1.5M

-10.59%

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

$19.81 GHS 224

$6.46 Rp 114.2K

206.66%

Internet (50+ Mbps, Unlimited Data)

$44.54 GHS 503

$18.99 Rp 335.9K

134.54%

Gym Membership (Monthly)

$72.1 GHS 814

$56.0 Rp 989.8K

28.73%

Tennis Court (1 Hour on Weekend)

$19.03 GHS 215

$18.62 Rp 329.2K

2.20%

Cinema Ticket

$13.47 GHS 152

$4.28 Rp 75.7K

214.72%

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

$463 GHS 5,233

$487 Rp 8.6M

-4.82%

International Primary School, 1 Child (Yearly)

$18.9K GHS 213.6K

$5,856 Rp 103.6M

222.82%

Jeans (Levis 501 Or Similar)

$14.82 GHS 167

$45.56 Rp 805.6K

-67.47%

Summer Dress (H&M, Zara, etc)

$18.92 GHS 214

$36.38 Rp 643.3K

-47.99%

Sport Shoes (Adidas, Nike)

$36.59 GHS 413

$82.0 Rp 1.4M

-55.36%

Men's Leather Business Shoes

$54.9 GHS 620

$80.4 Rp 1.4M

-31.78%

1-bedroom Apartment, City Center (Monthly)

$685 GHS 7,740

$1,117 Rp 19.7M

-38.66%

1-bedroom Apartment, Outside City Center (Monthly)

$286 GHS 3,231

$701 Rp 12.4M

-59.22%

3-bedroom Apartment, City Center (Monthly)

$1,121 GHS 12.7K

$3,537 Rp 62.5M

-68.31%

3-bedroom Apartment, Outside City Center (Monthly)

$474 GHS 5,355

$1,762 Rp 31.2M

-73.11%

Buy Apartment in City Center (m2)

$2,867 GHS 32.4K

$2,826 Rp 50.0M

1.44%

Buy Apartment Outside City Center (m2)

$1,429 GHS 16.1K

$2,292 Rp 40.5M

-37.66%

Average Monthly Net Salary (After Tax)

$181 GHS 2,048

$170 Rp 3.0M

6.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

13.78

94.12%

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

Last update for Accra: August 31, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $685 in Accra versus $1,117 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 7% 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 $54.0 in Accra versus $39.00 in Ubud, Bali. Groceries tell a different story – $285 in Accra vs $293 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: $1,094 in Accra, $1,396 in Ubud, Bali – roughly 28% apart. Ubud, Bali costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $1,640 per month in Accra and $2,095 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 3% 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 $54.0 in Accra and $39.00 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 $1,094, than in Ubud, Bali at $1,396. 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 $1,094 in Accra to $1,396 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.