Last update: Oct 2026

Cost of Living Comparison Between Armidale and Bali

For one person, living is cheaper in Bali: $1,236 a month against $1,682 in Armidale, rent and utilities included – about $5,400 less a year. The total is higher in Armidale despite lower rent and utilities.

83

Cost of Living Index in Armidale
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Armidale Living Index
60

Cost of Living Index in Bali
Learn more

Bali Living Index

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Armidale

🇦🇺 Australia

$1,682

/mo nomad

Bali

🇮🇩 Indonesia

$1,236

/mo nomad

Monthly Cost of Living

How much you'll spend in Armidale and in Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Armidale and in Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,682 in Armidale versus $1,236 in Bali.

Armidale $1,682
Bali $1,236

Estimated couple costs with rent: $2,593 in Armidale versus $2,086 in Bali.

Armidale $2,593
Bali $2,086

Monthly costs for a family of three with rent: $3,503 in Armidale versus $2,937 in Bali.

Armidale $3,503
Bali $2,937

Living in Armidale is roughly 36% more expensive than in Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Armidale is 25% above, Bali is 8% below.

Meal at Budget Restaurant

$17.30 A$24.89

$2.76 Rp 49.7K

526.81%

Three-Course Dinner for Two, Mid-Range

$83.2 A$120

$29.80 Rp 536.4K

179.23%

Fast Food Meal (McDonalds, etc)

$10.53 A$15.15

$4.63 Rp 83.3K

127.43%

Cappuccino

$3.94 A$5.67

$2.32 Rp 41.7K

69.83%

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

$2.85 A$4.10

$1.40 Rp 25.1K

103.57%

Water (0.33 liter bottle)

$2.20 A$3.16

$0.64 Rp 11.5K

243.75%

Local Beer (0.5 liter draught)

$7.57 A$10.90

$2.19 Rp 39.4K

245.66%

Imported Beer (0.33 liter bottle)

$7.52 A$10.82

$3.58 Rp 64.5K

110.06%

Milk (1 liter)

$1.22 A$1.75

$1.49 Rp 26.7K

-18.12%

White Bread (500g)

$1.20 A$1.73

$2.21 Rp 39.8K

-45.70%

Rice (white) (1kg)

$1.51 A$2.17

$1.17 Rp 21.1K

29.06%

Eggs

$3.99 A$5.74

$2.02 Rp 36.4K

97.52%

Local Cheese (1kg)

$9.23 A$13.29

$16.52 Rp 297.4K

-44.13%

Chicken Fillets (1kg)

$9.38 A$13.50

$3.68 Rp 66.2K

154.89%

Beef Round Steak (1kg)

$12.46 A$17.93

$11.67 Rp 210.0K

6.77%

Apples (1kg)

$2.85 A$4.09

$3.44 Rp 62.0K

-17.15%

Banana (1kg)

$2.88 A$4.14

$1.46 Rp 26.2K

97.26%

Oranges (1kg)

$2.65 A$3.81

$2.24 Rp 40.3K

18.30%

Tomato (1kg)

$3.06 A$4.41

$1.82 Rp 32.8K

68.13%

Potato (1kg)

$1.76 A$2.53

$1.79 Rp 32.2K

-1.68%

Onion (1kg)

$2.42 A$3.48

$2.27 Rp 40.9K

6.61%

Lettuce (1 head)

$2.41 A$3.46

$0.99 Rp 17.8K

143.43%

Water (1.5 liter bottle)

$1.44 A$2.07

$0.51 Rp 9,186

182.35%

Cigarettes 20 Pack (Marlboro, Camel)

$41.64 A$59.9

$2.15 Rp 38.7K

1836.74%

Wine (Bottle)

$13.63 A$19.61

$21.44 Rp 386.0K

-36.43%

Local Beer (0.5 liter bottle)

$4.13 A$5.95

$2.29 Rp 41.1K

80.35%

Imported Beer (0.33 liter bottle)

$4.97 A$7.15

$2.86 Rp 51.5K

73.78%

One-way Ticket (Public Transport)

$3.18 A$4.58

$0.26 Rp 4,713

1123.08%

Public Transport Monthly Pass (Regular Price)

$72.0 A$104

$7.97 Rp 143.5K

803.51%

Taxi Start (Normal Tariff)

$3.61 A$5.19

$0.48 Rp 8,646

652.08%

Taxi (Normal Tariff) (1km)

$1.58 A$2.28

$0.43 Rp 7,705

267.44%

Taxi 1hour Waiting (Normal Tariff)

$39.15 A$56.3

$5.64 Rp 101.6K

594.15%

Gasoline (1 liter)

$1.36 A$1.95

$0.82 Rp 14.8K

65.85%

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

$23.8K A$34.2K

$23.7K Rp 426.6M

0.30%

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

$30.7K A$44.2K

$31.7K Rp 571.3M

-3.18%

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

$113 A$162

$81.3 Rp 1.5M

38.64%

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

$28.08 A$40.41

$6.53 Rp 117.6K

330.02%

Internet (50+ Mbps, Unlimited Data)

$55.6 A$80.0

$18.31 Rp 329.7K

203.66%

Gym Membership (Monthly)

$42.05 A$60.5

$46.85 Rp 843.4K

-10.25%

Tennis Court (1 Hour on Weekend)

$17.58 A$25.30

$15.05 Rp 270.8K

16.81%

Cinema Ticket

$14.75 A$21.23

$3.69 Rp 66.5K

299.73%

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

$2,314 A$3,330

$445 Rp 8.0M

419.90%

International Primary School, 1 Child (Yearly)

$20.2K A$29.0K

$5,218 Rp 93.9M

286.88%

Jeans (Levis 501 Or Similar)

$73.3 A$105

$42.66 Rp 767.8K

71.71%

Summer Dress (H&M, Zara, etc)

$47.99 A$69.1

$33.40 Rp 601.2K

43.68%

Sport Shoes (Adidas, Nike)

$116 A$166

$75.0 Rp 1.4M

54.06%

Men's Leather Business Shoes

$105 A$151

$73.7 Rp 1.3M

42.18%

1-bedroom Apartment, City Center (Monthly)

$1,384 A$1,992

$996 Rp 17.9M

38.95%

1-bedroom Apartment, Outside City Center (Monthly)

$563 A$811

$596 Rp 10.7M

-5.50%

3-bedroom Apartment, City Center (Monthly)

$2,117 A$3,046

$3,054 Rp 55.0M

-30.69%

3-bedroom Apartment, Outside City Center (Monthly)

$880 A$1,266

$1,511 Rp 27.2M

-41.76%

Buy Apartment in City Center (m2)

$5,170 A$7,440

$2,430 Rp 43.7M

112.74%

Buy Apartment Outside City Center (m2)

$4,946 A$7,117

$1,963 Rp 35.3M

151.97%

Average Monthly Net Salary (After Tax)

$2,749 A$3,956

$220 Rp 4.0M

1147.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

13.78

-57.62%

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

Last update for Armidale: October 11, 2026

Last update for Bali: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Armidale

$563 33.5%

Bali

$596 48.2% 5.8% $33

Groceries & Markets

Armidale

$310 18.5%

Bali

$277 22.4% 10.9% $34

Eating Out

Armidale

$290 17.3%

Bali

$90 7.3% 69% $200

Monthly Utilities & Internet

Armidale

$196 11.7%

Bali

$106 8.6% 45.9% $90

Clothing & Footwear

Armidale

$154 9.1%

Bali

$101 8.2% 34.2% $53

Getting Around

Armidale

$96 5.7%

Bali

$12 0.9% 87.9% $85

Sport & Entertainment

Armidale

$72 4.3%

Bali

$54 4.4% 24.2% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,384 in Armidale and $996 in Bali. Housing cost is often the main lever when comparing two cities.

Armidale pays 1148% 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: $83.0 in Armidale vs $30.00 in Bali for a mid-range dinner for two. Groceries echo the gap at $310 vs $277 per month, with Bali cheaper across the board.

Good to know

🇦🇺 Armidale

🇮🇩 Bali

🕒 Local time

06:25 6:25 AM

03:25 3:25 AM

3 h behind Armidale

🌤 Weather

👥 Population

21,312

💱 Currency

Australian Dollar AUD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 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 AUD in detail →

On the map

Lowest

Highest

Between locations

Armidale Bali 4,500 km ≈ 6 h nonstop flight

From you

Armidale
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

Armidale vs Bali: Cost of Living - Frequently Asked Questions

Bali is cheaper overall, especially in groceries, eating out, and clothing. The 36% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1148% higher in Armidale, 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: $1,384 in Armidale versus $996 in Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,682 per month in Armidale versus $1,236 in Bali – a 36% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Bali runs roughly 804% less than in Armidale. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,236 in Bali versus $1,682 in Armidale, a $1,000 budget is realistic in Bali but tight or insufficient in Armidale. The gap between the two cities makes Bali the clear choice for anyone on this budget.

For families, Bali is more practical. Housing and childcare are both notably cheaper than in Armidale, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Armidale and 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 Bali gentler on the wallet – expenses run 36% less than in Armidale. Beyond cost, consider language, visa policies, and how big the international community is in each city.