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 $766 per month in Accra vs $1,419 in Ubud, Bali, rent included.

A couple spends around $1,317 per month in Accra vs $2,540 in Ubud, Bali, rent included.

A family of three spends $1,867 per month in Accra vs $3,660 in Ubud, Bali, rent included.

Accra is about 46% cheaper than Ubud, Bali, driven mainly by Clothing & Footwear.

Accra sits 43% below the global median, while Ubud, Bali is 6% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.29 GHS 50.7

$3.56 Rp 64.3K

20.51%

Three-Course Dinner for Two, Mid-Range

$46.88 GHS 554

$32.73 Rp 590.3K

43.23%

Fast Food Meal (McDonalds, etc)

$7.82 GHS 92.5

$4.95 Rp 89.2K

57.98%

Cappuccino

$3.45 GHS 40.81

$2.71 Rp 48.9K

27.31%

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

$0.94 GHS 11.14

$1.34 Rp 24.2K

-29.85%

Water (0.33 liter bottle)

$0.34 GHS 4.06

$0.70 Rp 12.6K

-51.43%

Local Beer (0.5 liter draught)

$1.58 GHS 18.66

$2.92 Rp 52.7K

-45.89%

Imported Beer (0.33 liter bottle)

$2.52 GHS 29.80

$3.96 Rp 71.4K

-36.36%

Milk (1 liter)

$3.37 GHS 39.89

$1.81 Rp 32.6K

86.19%

White Bread (500g)

$1.43 GHS 16.93

$2.52 Rp 45.4K

-43.25%

Rice (white) (1kg)

$2.43 GHS 28.71

$1.16 Rp 20.9K

109.48%

Eggs

$2.29 GHS 27.08

$2.46 Rp 44.4K

-6.91%

Local Cheese (1kg)

$11.36 GHS 134

$14.71 Rp 265.3K

-22.77%

Chicken Fillets (1kg)

$4.62 GHS 54.6

$4.32 Rp 77.9K

6.94%

Beef Round Steak (1kg)

$6.03 GHS 71.3

$12.14 Rp 218.9K

-50.33%

Apples (1kg)

$2.90 GHS 34.33

$3.84 Rp 69.3K

-24.48%

Banana (1kg)

$1.44 GHS 17.00

$1.56 Rp 28.1K

-7.69%

Oranges (1kg)

$1.64 GHS 19.42

$2.83 Rp 51.1K

-42.05%

Tomato (1kg)

$3.08 GHS 36.37

$2.33 Rp 41.9K

32.19%

Potato (1kg)

$3.13 GHS 36.96

$1.91 Rp 34.5K

63.87%

Onion (1kg)

$2.42 GHS 28.64

$2.20 Rp 39.7K

10.00%

Lettuce (1 head)

$0.82 GHS 9.65

$1.01 Rp 18.3K

-18.81%

Water (1.5 liter bottle)

$0.52 GHS 6.10

$0.78 Rp 14.0K

-33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$1.58 GHS 18.62

$3.32 Rp 59.8K

-52.41%

Wine (Bottle)

$7.07 GHS 83.6

$23.74 Rp 428.0K

-70.22%

Local Beer (0.5 liter bottle)

$1.12 GHS 13.24

$2.79 Rp 50.3K

-59.86%

Imported Beer (0.33 liter bottle)

$1.93 GHS 22.81

$2.86 Rp 51.6K

-32.52%

One-way Ticket (Public Transport)

$1.04 GHS 12.29

$0.27 Rp 4,848

285.19%

Public Transport Monthly Pass (Regular Price)

$34.78 GHS 411

$8.03 Rp 144.8K

333.13%

Taxi Start (Normal Tariff)

$1.56 GHS 18.42

$0.46 Rp 8,230

239.13%

Taxi (Normal Tariff) (1km)

$1.18 GHS 13.92

$0.45 Rp 8,116

162.22%

Taxi 1hour Waiting (Normal Tariff)

$5.40 GHS 63.9

$6.10 Rp 109.9K

-11.48%

Gasoline (1 liter)

$1.07 GHS 12.64

$0.79 Rp 14.3K

35.44%

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

$8,145 GHS 96.3K

$26.1K Rp 471.6M

-68.85%

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

$9,815 GHS 116.0K

$32.1K Rp 579.2M

-69.44%

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

$56.4 GHS 667

$79.9 Rp 1.4M

-29.42%

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

$13.00 GHS 154

$4.06 Rp 73.3K

220.20%

Internet (50+ Mbps, Unlimited Data)

$37.61 GHS 444

$23.52 Rp 424.1K

59.91%

Gym Membership (Monthly)

$35.58 GHS 421

$98.7 Rp 1.8M

-63.95%

Tennis Court (1 Hour on Weekend)

$16.03 GHS 190

$6.63 Rp 119.6K

141.78%

Cinema Ticket

$9.60 GHS 114

$4.15 Rp 74.8K

131.33%

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

$72.0 GHS 851

$304 Rp 5.5M

-76.32%

International Primary School, 1 Child (Yearly)

$7,954 GHS 94.0K

$6,613 Rp 119.3M

20.28%

Jeans (Levis 501 Or Similar)

$14.88 GHS 176

$55.5 Rp 1.0M

-73.21%

Summer Dress (H&M, Zara, etc)

$18.54 GHS 219

$38.31 Rp 690.9K

-51.61%

Sport Shoes (Adidas, Nike)

$28.78 GHS 340

$88.6 Rp 1.6M

-67.52%

Men's Leather Business Shoes

$40.81 GHS 482

$77.9 Rp 1.4M

-47.59%

1-bedroom Apartment, City Center (Monthly)

$529 GHS 6,255

$1,006 Rp 18.1M

-47.42%

1-bedroom Apartment, Outside City Center (Monthly)

$150 GHS 1,776

$675 Rp 12.2M

-77.76%

3-bedroom Apartment, City Center (Monthly)

$1,038 GHS 12.3K

$3,442 Rp 62.1M

-69.83%

3-bedroom Apartment, Outside City Center (Monthly)

$365 GHS 4,316

$2,039 Rp 36.8M

-82.10%

Buy Apartment in City Center (m2)

$2,841 GHS 33.6K

$2,841 Rp 51.2M

-0.02%

Buy Apartment Outside City Center (m2)

$1,501 GHS 17.7K

$2,264 Rp 40.8M

-33.71%

Average Monthly Net Salary (After Tax)

$172 GHS 2,038

$165 Rp 3.0M

4.36%

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: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $529 in Accra versus $1,006 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 4% 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 $47.00 in Accra versus $33.00 in Ubud, Bali. Groceries tell a different story – $235 in Accra vs $302 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: $766 in Accra, $1,419 in Ubud, Bali – roughly 85% apart. Ubud, Bali costs more across the board, with Clothing & Footwear showing the biggest gap.

For a comfortable life, plan on about $1,150 per month in Accra and $2,129 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 29% 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 $47.00 in Accra and $33.00 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 $766, than in Ubud, Bali at $1,419. 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 $766 in Accra to $1,419 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.