Last update: Oct 2026

Cost of Living Comparison Between Algarve and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,754 in Algarve, rent and utilities included – about $4,600 less a year. Rent and utilities account for most of the difference.

86

Cost of Living Index in Algarve
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Algarve Living Index
67

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

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Algarve

🇵🇹 Portugal

$1,754

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,754 per month in Algarve vs $1,368 in Ubud, Bali, rent included.

Algarve $1,754
Ubud, Bali $1,368

A couple spends around $2,601 per month in Algarve vs $2,314 in Ubud, Bali, rent included.

Algarve $2,601
Ubud, Bali $2,314

A family of three spends $3,447 per month in Algarve vs $3,260 in Ubud, Bali, rent included.

Algarve $3,447
Ubud, Bali $3,260

Algarve costs about 28% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Algarve and Ubud, Bali sit above the global median – Algarve by 30%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$16.83 €14.97

$3.33 Rp 59.9K

405.41%

Three-Course Dinner for Two, Mid-Range

$60.3 €53.6

$35.18 Rp 633.2K

71.40%

Fast Food Meal (McDonalds, etc)

$9.56 €8.50

$5.80 Rp 104.5K

64.83%

Cappuccino

$3.04 €2.71

$2.73 Rp 49.1K

11.36%

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

$1.89 €1.69

$1.64 Rp 29.5K

15.24%

Water (0.33 liter bottle)

$1.50 €1.34

$0.83 Rp 15.0K

80.72%

Local Beer (0.5 liter draught)

$3.26 €2.90

$2.70 Rp 48.6K

20.74%

Imported Beer (0.33 liter bottle)

$3.32 €2.96

$4.30 Rp 77.4K

-22.79%

Milk (1 liter)

$1.15 €1.03

$1.50 Rp 27.1K

-23.33%

White Bread (500g)

$1.36 €1.21

$2.30 Rp 41.4K

-40.87%

Rice (white) (1kg)

$1.47 €1.31

$1.18 Rp 21.2K

24.58%

Eggs

$3.99 €3.55

$2.14 Rp 38.6K

86.45%

Local Cheese (1kg)

$12.91 €11.48

$17.48 Rp 314.6K

-26.14%

Chicken Fillets (1kg)

$8.00 €7.12

$4.03 Rp 72.5K

98.51%

Beef Round Steak (1kg)

$17.48 €15.55

$12.23 Rp 220.1K

42.93%

Apples (1kg)

$2.24 €1.99

$3.55 Rp 63.9K

-36.90%

Banana (1kg)

$1.34 €1.19

$1.57 Rp 28.3K

-14.65%

Oranges (1kg)

$1.74 €1.55

$2.24 Rp 40.2K

-22.32%

Tomato (1kg)

$2.23 €1.99

$1.93 Rp 34.7K

15.54%

Potato (1kg)

$1.86 €1.65

$1.88 Rp 33.9K

-1.06%

Onion (1kg)

$2.05 €1.82

$2.29 Rp 41.3K

-10.48%

Lettuce (1 head)

$1.45 €1.29

$0.99 Rp 17.9K

46.46%

Water (1.5 liter bottle)

$0.82 €0.73

$0.53 Rp 9,475

54.72%

Cigarettes 20 Pack (Marlboro, Camel)

$6.81 €6.06

$2.28 Rp 41.1K

198.68%

Wine (Bottle)

$5.64 €5.02

$23.01 Rp 414.2K

-75.49%

Local Beer (0.5 liter bottle)

$0.98 €0.88

$2.34 Rp 42.2K

-58.12%

Imported Beer (0.33 liter bottle)

$1.62 €1.44

$2.91 Rp 52.4K

-44.33%

One-way Ticket (Public Transport)

$3.14 €2.79

$0.24 Rp 4,315

1208.33%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$3.94 €3.50

$0.48 Rp 8,684

720.83%

Taxi (Normal Tariff) (1km)

$1.04 €0.93

$0.46 Rp 8,233

126.09%

Taxi 1hour Waiting (Normal Tariff)

$16.65 €14.81

$5.45 Rp 98.2K

205.50%

Gasoline (1 liter)

$2.11 €1.88

$0.88 Rp 15.9K

139.77%

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

$33.5K €29.8K

$24.6K Rp 442.2M

36.29%

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

$38.3K €34.1K

$31.2K Rp 561.4M

22.80%

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

$149 €133

$83.0 Rp 1.5M

79.99%

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

$18.60 €16.54

$6.45 Rp 116.0K

188.37%

Internet (50+ Mbps, Unlimited Data)

$32.28 €28.71

$18.57 Rp 334.2K

73.83%

Gym Membership (Monthly)

$36.89 €32.81

$55.8 Rp 1.0M

-33.91%

Tennis Court (1 Hour on Weekend)

$26.85 €23.88

$18.11 Rp 326.0K

48.26%

Cinema Ticket

$9.45 €8.41

$4.38 Rp 78.9K

115.75%

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

$657 €584

$493 Rp 8.9M

33.20%

International Primary School, 1 Child (Yearly)

$15.3K €13.6K

$5,754 Rp 103.6M

165.34%

Jeans (Levis 501 Or Similar)

$103 €92.0

$46.19 Rp 831.4K

123.92%

Summer Dress (H&M, Zara, etc)

$46.16 €41.06

$35.33 Rp 636.0K

30.65%

Sport Shoes (Adidas, Nike)

$79.4 €70.6

$79.1 Rp 1.4M

0.37%

Men's Leather Business Shoes

$67.9 €60.4

$78.4 Rp 1.4M

-13.38%

1-bedroom Apartment, City Center (Monthly)

$1,048 €932

$1,142 Rp 20.6M

-8.28%

1-bedroom Apartment, Outside City Center (Monthly)

$846 €753

$676 Rp 12.2M

25.23%

3-bedroom Apartment, City Center (Monthly)

$2,181 €1,940

$3,503 Rp 63.1M

-37.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,335 €1,188

$1,700 Rp 30.6M

-21.46%

Buy Apartment in City Center (m2)

$4,672 €4,156

$2,784 Rp 50.1M

67.81%

Buy Apartment Outside City Center (m2)

$3,095 €2,753

$2,241 Rp 40.3M

38.16%

Average Monthly Net Salary (After Tax)

$1,194 €1,062

$165 Rp 3.0M

625.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.85

13.78

-72.06%

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

Last update for Algarve: 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

Algarve

$846 48.2%

Ubud, Bali

$676 49.4% 20.1% $170

Groceries & Markets

Algarve

$260 14.8%

Ubud, Bali

$290 21.2% 11.5% $30

Eating Out

Algarve

$236 13.5%

Ubud, Bali

$109 8% 54% $128

Monthly Utilities & Internet

Algarve

$200 11.4%

Ubud, Bali

$108 7.9% 46.1% $92

Clothing & Footwear

Algarve

$134 7.6%

Ubud, Bali

$108 7.9% 19.5% $26

Sport & Entertainment

Algarve

$56 3.2%

Ubud, Bali

$65 4.7% 15.8% $8.8

Getting Around

Algarve

$22 * 1.2%

Ubud, Bali

$13 0.9% 42.2% $9.2

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,048 in Algarve 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 626% higher in Algarve, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $60.0 in Algarve versus $35.00 in Ubud, Bali. Groceries tell a different story – $260 in Algarve vs $290 in Ubud, Bali – so Algarve wins on supermarket bills even if dining out costs more.

Good to know

🇵🇹 Algarve

🇮🇩 Ubud, Bali

🕒 Local time

01:32 1:32 AM

08:32 8:32 AM

7 h ahead of Algarve

🌤 Weather

👥 Population

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 20, 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 EUR in detail →

On the map

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Highest

Between locations

Algarve Ubud, Bali 13,510 km ≈ 17 h nonstop flight

From you

Algarve
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

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

Algarve costs about 28% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,631 per month in Algarve 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 Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,754 in Algarve and $1,368 in Ubud, Bali. That's a gap of about 28%.

Kindergarten costs $657 per month in Algarve and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Algarve at $1,754. In Ubud, Bali it covers expenses comfortably, while in Algarve it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,368 versus $1,754 in Algarve. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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