Last update: Oct 2026

Cost of Living Comparison Between Accra and Ubud, Bali

For one person, living is cheaper in Accra: $1,064 a month against $1,368 in Ubud, Bali, rent and utilities included – about $3,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

52

Cost of Living Index in Accra
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Accra Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Accra

🇬🇭 Ghana

$1,064

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,064 per month in Accra vs $1,368 in Ubud, Bali, rent included.

Accra $1,064
Ubud, Bali $1,368

A couple spends around $1,684 per month in Accra vs $2,314 in Ubud, Bali, rent included.

Accra $1,684
Ubud, Bali $2,314

A family of three spends $2,303 per month in Accra vs $3,260 in Ubud, Bali, rent included.

Accra $2,303
Ubud, Bali $3,260

Accra is about 22% cheaper than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Accra sits 21% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.94 GHS 92.4

$3.33 Rp 59.9K

138.44%

Three-Course Dinner for Two, Mid-Range

$51.4 GHS 597

$35.18 Rp 633.2K

45.96%

Fast Food Meal (McDonalds, etc)

$10.44 GHS 121

$5.80 Rp 104.5K

80.00%

Cappuccino

$4.33 GHS 50.4

$2.73 Rp 49.1K

58.61%

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

$1.57 GHS 18.29

$1.64 Rp 29.5K

-4.27%

Water (0.33 liter bottle)

$0.48 GHS 5.55

$0.83 Rp 15.0K

-42.17%

Local Beer (0.5 liter draught)

$1.81 GHS 21.01

$2.70 Rp 48.6K

-32.96%

Imported Beer (0.33 liter bottle)

$2.18 GHS 25.37

$4.30 Rp 77.4K

-49.30%

Milk (1 liter)

$3.66 GHS 42.53

$1.50 Rp 27.1K

144.00%

White Bread (500g)

$1.60 GHS 18.63

$2.30 Rp 41.4K

-30.43%

Rice (white) (1kg)

$3.08 GHS 35.85

$1.18 Rp 21.2K

161.02%

Eggs

$2.69 GHS 31.26

$2.14 Rp 38.6K

25.70%

Local Cheese (1kg)

$11.85 GHS 138

$17.48 Rp 314.6K

-32.21%

Chicken Fillets (1kg)

$7.25 GHS 84.3

$4.03 Rp 72.5K

79.90%

Beef Round Steak (1kg)

$9.56 GHS 111

$12.23 Rp 220.1K

-21.83%

Apples (1kg)

$3.74 GHS 43.55

$3.55 Rp 63.9K

5.35%

Banana (1kg)

$1.44 GHS 16.77

$1.57 Rp 28.3K

-8.28%

Oranges (1kg)

$1.82 GHS 21.20

$2.24 Rp 40.2K

-18.75%

Tomato (1kg)

$3.66 GHS 42.52

$1.93 Rp 34.7K

89.64%

Potato (1kg)

$2.79 GHS 32.46

$1.88 Rp 33.9K

48.40%

Onion (1kg)

$2.65 GHS 30.84

$2.29 Rp 41.3K

15.72%

Lettuce (1 head)

$0.76 GHS 8.80

$0.99 Rp 17.9K

-23.23%

Water (1.5 liter bottle)

$0.61 GHS 7.07

$0.53 Rp 9,475

15.09%

Cigarettes 20 Pack (Marlboro, Camel)

$2.53 GHS 29.39

$2.28 Rp 41.1K

10.96%

Wine (Bottle)

$7.00 GHS 81.4

$23.01 Rp 414.2K

-69.58%

Local Beer (0.5 liter bottle)

$1.22 GHS 14.14

$2.34 Rp 42.2K

-47.86%

Imported Beer (0.33 liter bottle)

$2.38 GHS 27.69

$2.91 Rp 52.4K

-18.21%

One-way Ticket (Public Transport)

$1.46 GHS 17.00

$0.24 Rp 4,315

508.33%

Public Transport Monthly Pass (Regular Price)

$40.14 GHS 467

$8.82 Rp 158.7K

355.10%

Taxi Start (Normal Tariff)

$1.68 GHS 19.59

$0.48 Rp 8,684

250.00%

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.41

$0.46 Rp 8,233

169.57%

Taxi 1hour Waiting (Normal Tariff)

$4.21 GHS 48.91

$5.45 Rp 98.2K

-22.75%

Gasoline (1 liter)

$1.34 GHS 15.56

$0.88 Rp 15.9K

52.27%

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

$8,042 GHS 93.5K

$24.6K Rp 442.2M

-67.26%

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

$9,810 GHS 114.1K

$31.2K Rp 561.4M

-68.55%

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

$73.3 GHS 852

$83.0 Rp 1.5M

-11.75%

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

$19.20 GHS 223

$6.45 Rp 116.0K

197.67%

Internet (50+ Mbps, Unlimited Data)

$43.37 GHS 504

$18.57 Rp 334.2K

133.55%

Gym Membership (Monthly)

$70.6 GHS 822

$55.8 Rp 1.0M

26.55%

Tennis Court (1 Hour on Weekend)

$18.22 GHS 212

$18.11 Rp 326.0K

0.61%

Cinema Ticket

$12.90 GHS 150

$4.38 Rp 78.9K

194.52%

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

$457 GHS 5,318

$493 Rp 8.9M

-7.24%

International Primary School, 1 Child (Yearly)

$18.4K GHS 213.7K

$5,754 Rp 103.6M

219.42%

Jeans (Levis 501 Or Similar)

$14.47 GHS 168

$46.19 Rp 831.4K

-68.67%

Summer Dress (H&M, Zara, etc)

$18.48 GHS 215

$35.33 Rp 636.0K

-47.69%

Sport Shoes (Adidas, Nike)

$36.89 GHS 429

$79.1 Rp 1.4M

-53.36%

Men's Leather Business Shoes

$51.7 GHS 601

$78.4 Rp 1.4M

-34.06%

1-bedroom Apartment, City Center (Monthly)

$672 GHS 7,811

$1,142 Rp 20.6M

-41.21%

1-bedroom Apartment, Outside City Center (Monthly)

$277 GHS 3,224

$676 Rp 12.2M

-58.97%

3-bedroom Apartment, City Center (Monthly)

$1,069 GHS 12.4K

$3,503 Rp 63.1M

-69.49%

3-bedroom Apartment, Outside City Center (Monthly)

$458 GHS 5,329

$1,700 Rp 30.6M

-73.04%

Buy Apartment in City Center (m2)

$2,839 GHS 33.0K

$2,784 Rp 50.1M

1.97%

Buy Apartment Outside City Center (m2)

$1,464 GHS 17.0K

$2,241 Rp 40.3M

-34.68%

Average Monthly Net Salary (After Tax)

$172 GHS 2,003

$165 Rp 3.0M

4.66%

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: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Accra

$278 26.1%

Ubud, Bali

$290 21.2% 4.5% $12

Accommodation & Living

Accra

$277 26%

Ubud, Bali

$676 49.4% 144% $398

Eating Out

Accra

$168 15.8%

Ubud, Bali

$109 8% 35.4% $60

Monthly Utilities & Internet

Accra

$136 12.8%

Ubud, Bali

$108 7.9% 20.5% $28

Sport & Entertainment

Accra

$96 9.1%

Ubud, Bali

$65 4.7% 33% $32

Clothing & Footwear

Accra

$55 5.1%

Ubud, Bali

$108 7.9% 96.7% $53

Getting Around

Accra

$54 5.1%

Ubud, Bali

$13 0.9% 76.7% $41

Cost Breakdown

A central one-bedroom costs $672 in Accra versus $1,142 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 5% 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 $51.0 in Accra versus $35.00 in Ubud, Bali. Groceries tell a different story – $278 in Accra vs $290 in Ubud, Bali – so Accra wins on supermarket bills even if dining out costs more.

Good to know

🇬🇭 Accra

🇮🇩 Ubud, Bali

🕒 Local time

11:06 11:06 AM

19:06 7:06 PM

8 h ahead of Accra

🌤 Weather

👥 Population

2,388,000 Capital

74,800

💱 Currency

Ghanaian Cedi GHS ₵

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 19, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Accra Ubud, Bali 12,890 km ≈ 17 h nonstop flight

From you

Accra
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

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

Monthly costs with rent: $1,064 in Accra, $1,368 in Ubud, Bali – roughly 28% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,597 per month in Accra and $2,051 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 4% 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 $51.0 in Accra and $35.00 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 $1,064, than in Ubud, Bali at $1,368. 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 $1,064 in Accra to $1,368 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.