Last update: Nov 2026

Cost of Living Comparison Between Amherst, NY and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,512 in Amherst, NY, rent and utilities included – about $14,200 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Amherst, NY
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Amherst, NY Living Index
64

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

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Amherst, NY

🇺🇸 United States

$2,512

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $2,512 per month in Amherst, NY vs $1,331 in Ubud, Bali, rent included.

Amherst, NY $2,512
Ubud, Bali $1,331

A couple spends around $3,853 per month in Amherst, NY vs $2,255 in Ubud, Bali, rent included.

Amherst, NY $3,853
Ubud, Bali $2,255

A family of three spends $5,195 per month in Amherst, NY vs $3,180 in Ubud, Bali, rent included.

Amherst, NY $5,195
Ubud, Bali $3,180

Amherst, NY costs about 89% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Amherst, NY sits 86% above the global median, while Ubud, Bali is 2% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$18.08 $18.08

$3.38 Rp 61.3K

434.91%

Three-Course Dinner for Two, Mid-Range

$78.0 $78.0

$34.65 Rp 629.1K

125.08%

Fast Food Meal (McDonalds, etc)

$12.17 $12.17

$5.57 Rp 101.2K

118.49%

Cappuccino

$5.94 $5.94

$2.62 Rp 47.6K

126.72%

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

$2.75 $2.75

$1.54 Rp 27.9K

78.57%

Water (0.33 liter bottle)

$2.06 $2.06

$0.64 Rp 11.6K

221.88%

Local Beer (0.5 liter draught)

$6.93 $6.93

$2.67 Rp 48.4K

159.55%

Imported Beer (0.33 liter bottle)

$7.58 $7.58

$4.26 Rp 77.4K

77.93%

Milk (1 liter)

$0.88 $0.88

$1.46 Rp 26.5K

-39.73%

White Bread (500g)

$3.32 $3.32

$2.29 Rp 41.6K

44.98%

Rice (white) (1kg)

$4.32 $4.32

$1.11 Rp 20.1K

289.19%

Eggs

$3.96 $3.96

$2.10 Rp 38.1K

88.57%

Local Cheese (1kg)

$11.06 $11.06

$15.94 Rp 289.4K

-30.61%

Chicken Fillets (1kg)

$9.98 $9.98

$3.88 Rp 70.5K

157.22%

Beef Round Steak (1kg)

$15.86 $15.86

$11.40 Rp 207.0K

39.12%

Apples (1kg)

$4.91 $4.91

$3.55 Rp 64.5K

38.31%

Banana (1kg)

$1.43 $1.43

$1.54 Rp 27.9K

-7.14%

Oranges (1kg)

$4.39 $4.39

$2.23 Rp 40.5K

96.86%

Tomato (1kg)

$5.26 $5.26

$1.97 Rp 35.8K

167.01%

Potato (1kg)

$2.72 $2.72

$1.86 Rp 33.7K

46.24%

Onion (1kg)

$2.95 $2.95

$2.42 Rp 43.9K

21.90%

Lettuce (1 head)

$2.40 $2.40

$1.02 Rp 18.6K

135.29%

Water (1.5 liter bottle)

$2.47 $2.47

$0.52 Rp 9,483

375.00%

Cigarettes 20 Pack (Marlboro, Camel)

$15.03 $15.03

$2.20 Rp 39.9K

583.18%

Wine (Bottle)

$15.05 $15.05

$21.79 Rp 395.6K

-30.93%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.33 Rp 42.2K

-14.16%

Imported Beer (0.33 liter bottle)

$4.12 $4.12

$2.97 Rp 53.9K

38.72%

One-way Ticket (Public Transport)

$1.95 $1.95

$0.25 Rp 4,546

680.00%

Public Transport Monthly Pass (Regular Price)

$54.1 $54.1

$8.17 Rp 148.4K

561.93%

Taxi Start (Normal Tariff)

$2.83 $2.83

$0.44 Rp 7,947

543.18%

Taxi (Normal Tariff) (1km)

$2.05 $2.05

$0.47 Rp 8,496

336.17%

Taxi 1hour Waiting (Normal Tariff)

$20.01 $20.01

$5.60 Rp 101.7K

257.32%

Gasoline (1 liter)

$1.18 $1.18

$0.83 Rp 15.0K

42.17%

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

$30.6K $30.6K

$24.4K Rp 443.8M

25.22%

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

$25.8K $25.8K

$31.7K Rp 575.5M

-18.67%

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

$234 $234

$77.5 Rp 1.4M

201.88%

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

$51.7 $51.7

$6.14 Rp 111.6K

742.51%

Internet (50+ Mbps, Unlimited Data)

$66.3 $66.3

$18.92 Rp 343.4K

250.58%

Gym Membership (Monthly)

$40.31 $40.31

$51.0 Rp 925.8K

-20.95%

Tennis Court (1 Hour on Weekend)

$19.77 $19.77

$18.25 Rp 331.3K

8.33%

Cinema Ticket

$12.88 $12.88

$4.38 Rp 79.6K

194.06%

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

$1,263 $1,263

$492 Rp 8.9M

156.58%

International Primary School, 1 Child (Yearly)

$18.9K $18.9K

$12.2K Rp 221.9M

54.55%

Jeans (Levis 501 Or Similar)

$53.7 $53.7

$45.16 Rp 819.9K

19.00%

Summer Dress (H&M, Zara, etc)

$44.22 $44.22

$34.89 Rp 633.4K

26.74%

Sport Shoes (Adidas, Nike)

$96.1 $96.1

$78.3 Rp 1.4M

22.66%

Men's Leather Business Shoes

$115 $115

$77.9 Rp 1.4M

47.12%

1-bedroom Apartment, City Center (Monthly)

$1,547 $1,547

$1,078 Rp 19.6M

43.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,174 $1,174

$665 Rp 12.1M

76.54%

3-bedroom Apartment, City Center (Monthly)

$2,716 $2,716

$3,510 Rp 63.7M

-22.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,269 $2,269

$1,671 Rp 30.3M

35.79%

Buy Apartment in City Center (m2)

$2,775 $2,775

$2,340 Rp 42.5M

18.57%

Buy Apartment Outside City Center (m2)

$2,351 $2,351

$2,236 Rp 40.6M

5.11%

Average Monthly Net Salary (After Tax)

$4,179 $4,179

$166 Rp 3.0M

2412.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.52

13.78

-52.69%

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

Last update for Amherst, NY: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Amherst, NY

$1.2K 46.7%

Ubud, Bali

$665 50% 43.4% $509

Groceries & Markets

Amherst, NY

$384 15.3%

Ubud, Bali

$279 21% 27.3% $105

Monthly Utilities & Internet

Amherst, NY

$352 14%

Ubud, Bali

$103 7.7% 70.9% $249

Eating Out

Amherst, NY

$322 12.8%

Ubud, Bali

$106 8% 67.1% $216

Clothing & Footwear

Amherst, NY

$139 5.5%

Ubud, Bali

$106 8% 23.4% $33

Getting Around

Amherst, NY

$75 3%

Ubud, Bali

$12 0.9% 84.1% $63

Sport & Entertainment

Amherst, NY

$66 2.6%

Ubud, Bali

$60 4.5% 9.5% $6.3

Cost Breakdown

A central one-bedroom costs $1,547 in Amherst, NY versus $1,078 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 in Amherst, NY are about 25 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $78 in Amherst, NY versus $35 in Ubud, Bali. Monthly groceries follow the same trend: $384 vs $279 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Amherst, NY

🇮🇩 Ubud, Bali

🕒 Local time

14:37 2:37 PM

03:37 3:37 AM

13 h ahead of Amherst, NY

🌤 Weather

👥 Population

37,819

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.888 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.13 USD (1 USD = 0.888 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

IDR to USD in detail →

On the map

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Between locations

Amherst, NY Ubud, Bali 15,940 km ≈ 20 h nonstop flight

From you

Amherst, NY
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

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

Amherst, NY costs about 89% 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 $3,767 per month in Amherst, NY and $1,996 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: a one-bedroom in the center costs $1,078 there versus $1,547 in Amherst, NY.

Kindergarten costs $1,263 per month in Amherst, NY and $492 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 38% more in Amherst, NY, though the gap depends on what you buy.

$1,000 is a stretch for both – monthly costs hit $2,512 in Amherst, NY and $1,331 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Amherst, NY makes more sense. Both are solid long-term options with distinct trade-offs.