Last update: Oct 2026

Cost of Living Comparison Between Ajman and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,833 in Ajman, rent and utilities included – about $5,600 less a year. Other living expenses account for most of the difference.

90

Cost of Living Index in Ajman
Learn more

Ajman Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Ajman

🇦🇪 United Arab Emirates

$1,833

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,833 in Ajman versus $1,368 in Ubud, Bali.

Ajman $1,833
Ubud, Bali $1,368

Estimated couple costs with rent: $4,193 in Ajman versus $2,314 in Ubud, Bali.

Ajman $4,193
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $6,553 in Ajman versus $3,260 in Ubud, Bali.

Ajman $6,553
Ubud, Bali $3,260

Living in Ajman is roughly 34% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in utilities.

Both cities are pricier than the global median: Ajman 36% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$5.71 AED 20.97

$3.33 Rp 59.9K

71.47%

Three-Course Dinner for Two, Mid-Range

$27.25 AED 100

$35.18 Rp 633.2K

-22.54%

Fast Food Meal (McDonalds, etc)

$8.24 AED 30.26

$5.80 Rp 104.5K

42.07%

Cappuccino

$3.73 AED 13.70

$2.73 Rp 49.1K

36.63%

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

$0.79 AED 2.91

$1.64 Rp 29.5K

-51.83%

Water (0.33 liter bottle)

$0.40 AED 1.45

$0.83 Rp 15.0K

-51.81%

Local Beer (0.5 liter draught)

$10.79 AED 39.62

$2.70 Rp 48.6K

299.63%

Imported Beer (0.33 liter bottle)

$12.40 AED 45.53

$4.30 Rp 77.4K

188.37%

Milk (1 liter)

$1.99 AED 7.29

$1.50 Rp 27.1K

32.67%

White Bread (500g)

$1.34 AED 4.93

$2.30 Rp 41.4K

-41.74%

Rice (white) (1kg)

$1.47 AED 5.41

$1.18 Rp 21.2K

24.58%

Eggs

$2.06 AED 7.56

$2.14 Rp 38.6K

-3.74%

Local Cheese (1kg)

$8.02 AED 29.45

$17.48 Rp 314.6K

-54.12%

Chicken Fillets (1kg)

$6.36 AED 23.34

$4.03 Rp 72.5K

57.82%

Beef Round Steak (1kg)

$9.20 AED 33.78

$12.23 Rp 220.1K

-24.78%

Apples (1kg)

$1.97 AED 7.24

$3.55 Rp 63.9K

-44.51%

Banana (1kg)

$1.38 AED 5.06

$1.57 Rp 28.3K

-12.10%

Oranges (1kg)

$1.52 AED 5.57

$2.24 Rp 40.2K

-32.14%

Tomato (1kg)

$1.00 AED 3.66

$1.93 Rp 34.7K

-48.19%

Potato (1kg)

$1.07 AED 3.95

$1.88 Rp 33.9K

-43.09%

Onion (1kg)

$1.15 AED 4.21

$2.29 Rp 41.3K

-49.78%

Lettuce (1 head)

$1.18 AED 4.35

$0.99 Rp 17.9K

19.19%

Water (1.5 liter bottle)

$0.55 AED 2.02

$0.53 Rp 9,475

3.77%

Cigarettes 20 Pack (Marlboro, Camel)

$6.16 AED 22.62

$2.28 Rp 41.1K

170.18%

Wine (Bottle)

$10.70 AED 39.29

$23.01 Rp 414.2K

-53.50%

Local Beer (0.5 liter bottle)

$1.68 AED 6.15

$2.34 Rp 42.2K

-28.21%

Imported Beer (0.33 liter bottle)

$2.22 AED 8.15

$2.91 Rp 52.4K

-23.71%

One-way Ticket (Public Transport)

$4.17 AED 15.30

$0.24 Rp 4,315

1637.50%

Public Transport Monthly Pass (Regular Price)

$68.2 AED 250

$8.82 Rp 158.7K

673.02%

Taxi Start (Normal Tariff)

$3.60 AED 13.22

$0.48 Rp 8,684

650.00%

Taxi (Normal Tariff) (1km)

$0.67 AED 2.45

$0.46 Rp 8,233

45.65%

Taxi 1hour Waiting (Normal Tariff)

$8.12 AED 29.80

$5.45 Rp 98.2K

48.99%

Gasoline (1 liter)

$0.85 AED 3.12

$0.88 Rp 15.9K

-3.41%

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

$46.3K AED 169.9K

$24.6K Rp 442.2M

88.29%

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

$22.4K AED 82.3K

$31.2K Rp 561.4M

-28.17%

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

$149 AED 549

$83.0 Rp 1.5M

80.00%

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

$49.43 AED 182

$6.45 Rp 116.0K

666.36%

Internet (50+ Mbps, Unlimited Data)

$85.2 AED 313

$18.57 Rp 334.2K

358.64%

Gym Membership (Monthly)

$79.2 AED 291

$55.8 Rp 1.0M

41.81%

Tennis Court (1 Hour on Weekend)

$9.75 AED 35.80

$18.11 Rp 326.0K

-46.16%

Cinema Ticket

$13.72 AED 50.4

$4.38 Rp 78.9K

213.24%

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

$485 AED 1,782

$493 Rp 8.9M

-1.58%

International Primary School, 1 Child (Yearly)

$5,653 AED 20.8K

$5,754 Rp 103.6M

-1.75%

Jeans (Levis 501 Or Similar)

$58.9 AED 216

$46.19 Rp 831.4K

27.41%

Summer Dress (H&M, Zara, etc)

$61.3 AED 225

$35.33 Rp 636.0K

73.62%

Sport Shoes (Adidas, Nike)

$84.3 AED 309

$79.1 Rp 1.4M

6.52%

Men's Leather Business Shoes

$95.8 AED 352

$78.4 Rp 1.4M

22.21%

1-bedroom Apartment, City Center (Monthly)

$2,445 AED 8,979

$1,142 Rp 20.6M

114.01%

1-bedroom Apartment, Outside City Center (Monthly)

$806 AED 2,961

$676 Rp 12.2M

19.32%

3-bedroom Apartment, City Center (Monthly)

$1,724 AED 6,333

$3,503 Rp 63.1M

-50.77%

3-bedroom Apartment, Outside City Center (Monthly)

$4,510 AED 16.6K

$1,700 Rp 30.6M

165.30%

Buy Apartment in City Center (m2)

$2,244 AED 8,240

$2,784 Rp 50.1M

-19.41%

Buy Apartment Outside City Center (m2)

$1,401 AED 5,146

$2,241 Rp 40.3M

-37.46%

Average Monthly Net Salary (After Tax)

$2,242 AED 8,234

$165 Rp 3.0M

1262.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-63.72%

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

Last update for Ajman: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ajman

$806 44%

Ubud, Bali

$676 49.4% 16.2% $131

Monthly Utilities & Internet

Ajman

$284 15.5%

Ubud, Bali

$108 7.9% 62% $176

Groceries & Markets

Ajman

$211 11.5%

Ubud, Bali

$290 21.2% 37.6% $79

Eating Out

Ajman

$199 10.8%

Ubud, Bali

$109 8% 45.2% $90

Clothing & Footwear

Ajman

$135 7.4%

Ubud, Bali

$108 7.9% 20.4% $28

Sport & Entertainment

Ajman

$107 5.8%

Ubud, Bali

$65 4.7% 39.4% $42

Getting Around

Ajman

$92 5%

Ubud, Bali

$13 0.9% 86.3% $79

Cost Breakdown

A one-bedroom apartment in the center runs $2,445 in Ajman and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ajman pays 1263% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $27.00 in Ajman vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $211 vs $290 per month, with Ajman cheaper across the board.

Good to know

🇦🇪 Ajman

🇮🇩 Ubud, Bali

🕒 Local time

21:07 9:07 PM

01:07 1:07 AM

4 h ahead of Ajman

🌤 Weather

👥 Population

238,119

74,800

💱 Currency

UAE Dirham AED د.إ

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AED = 0.272 USD

1 AED = 0.242 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AED – UAE Dirham Converter

🇺🇸 United States Dollar ($)

🇦🇪 UAE Dirham (د.إ)

UAE Dirham exchange rates as of October 17, 2026: 1 USD = 3.67 AED (1 AED = 0.272 USD). 1 EUR = 4.13 AED (1 AED = 0.242 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to AED in detail →

On the map

Lowest

Highest

Between locations

Ajman Ubud, Bali 7,480 km ≈ 10 h nonstop flight

From you

Ajman
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

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

Ubud, Bali wins on cost – living expenses run 34% lower than in Ajman. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay runs 1263% higher in Ajman, 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: $2,445 in Ajman versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $485 in Ajman versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Ajman pay roughly 38% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,368 in Ubud, Bali versus $1,833 in Ajman, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Ajman. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ajman 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 Ubud, Bali gentler on the wallet – expenses run 34% less than in Ajman. Beyond cost, consider language, visa policies, and how big the international community is in each city.