Last update: Oct 2026

Cost of Living Comparison Between Armidale and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,721 in Armidale, rent and utilities included – about $4,400 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
66

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

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Armidale

🇦🇺 Australia

$1,721

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,721 in Armidale versus $1,353 in Ubud, Bali.

Armidale $1,721
Ubud, Bali $1,353

Estimated couple costs with rent: $2,650 in Armidale versus $2,297 in Ubud, Bali.

Armidale $2,650
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,579 in Armidale versus $3,241 in Ubud, Bali.

Armidale $3,579
Ubud, Bali $3,241

Living in Armidale is roughly 27% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Armidale 27% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$17.26 A$24.84

$3.23 Rp 58.1K

434.37%

Three-Course Dinner for Two, Mid-Range

$84.1 A$121

$34.88 Rp 627.8K

141.03%

Fast Food Meal (McDonalds, etc)

$10.35 A$14.90

$5.70 Rp 102.5K

81.58%

Cappuccino

$3.88 A$5.58

$2.62 Rp 47.1K

48.09%

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

$2.83 A$4.07

$1.72 Rp 31.0K

64.53%

Water (0.33 liter bottle)

$2.26 A$3.25

$0.81 Rp 14.6K

179.01%

Local Beer (0.5 liter draught)

$7.73 A$11.12

$2.65 Rp 47.7K

191.70%

Imported Beer (0.33 liter bottle)

$7.62 A$10.97

$4.37 Rp 78.6K

74.37%

Milk (1 liter)

$1.28 A$1.84

$1.57 Rp 28.3K

-18.47%

White Bread (500g)

$1.25 A$1.80

$2.19 Rp 39.5K

-42.92%

Rice (white) (1kg)

$1.55 A$2.23

$1.18 Rp 21.2K

31.36%

Eggs

$4.07 A$5.86

$2.16 Rp 38.8K

88.43%

Local Cheese (1kg)

$9.35 A$13.45

$17.65 Rp 317.7K

-47.03%

Chicken Fillets (1kg)

$9.04 A$13.01

$3.78 Rp 68.0K

139.15%

Beef Round Steak (1kg)

$14.47 A$20.83

$11.95 Rp 215.1K

21.09%

Apples (1kg)

$2.81 A$4.05

$3.60 Rp 64.8K

-21.94%

Banana (1kg)

$2.88 A$4.14

$1.59 Rp 28.6K

81.13%

Oranges (1kg)

$2.54 A$3.66

$2.31 Rp 41.6K

9.96%

Tomato (1kg)

$3.07 A$4.41

$1.91 Rp 34.3K

60.73%

Potato (1kg)

$1.71 A$2.46

$1.78 Rp 32.1K

-3.93%

Onion (1kg)

$2.42 A$3.48

$2.33 Rp 41.9K

3.86%

Lettuce (1 head)

$2.40 A$3.46

$1.00 Rp 18.0K

140.00%

Water (1.5 liter bottle)

$1.56 A$2.24

$0.53 Rp 9,509

194.34%

Cigarettes 20 Pack (Marlboro, Camel)

$41.12 A$59.2

$2.29 Rp 41.1K

1695.63%

Wine (Bottle)

$13.70 A$19.72

$22.07 Rp 397.3K

-37.92%

Local Beer (0.5 liter bottle)

$4.64 A$6.68

$2.35 Rp 42.2K

97.45%

Imported Beer (0.33 liter bottle)

$5.30 A$7.63

$2.98 Rp 53.6K

77.85%

One-way Ticket (Public Transport)

$2.94 A$4.23

$0.23 Rp 4,112

1178.26%

Public Transport Monthly Pass (Regular Price)

$80.3 A$116

$8.90 Rp 160.2K

802.36%

Taxi Start (Normal Tariff)

$3.41 A$4.91

$0.47 Rp 8,466

625.53%

Taxi (Normal Tariff) (1km)

$1.57 A$2.26

$0.43 Rp 7,737

265.12%

Taxi 1hour Waiting (Normal Tariff)

$39.83 A$57.3

$5.47 Rp 98.4K

628.15%

Gasoline (1 liter)

$1.31 A$1.89

$0.83 Rp 14.9K

57.83%

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

$26.4K A$38.0K

$23.9K Rp 429.8M

10.52%

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

$29.7K A$42.8K

$32.8K Rp 590.1M

-9.28%

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

$114 A$163

$80.0 Rp 1.4M

41.89%

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

$27.88 A$40.12

$6.56 Rp 118.1K

325.00%

Internet (50+ Mbps, Unlimited Data)

$56.6 A$81.4

$18.60 Rp 334.8K

204.25%

Gym Membership (Monthly)

$41.99 A$60.4

$54.1 Rp 974.1K

-22.41%

Tennis Court (1 Hour on Weekend)

$17.51 A$25.20

$18.28 Rp 329.0K

-4.21%

Cinema Ticket

$14.79 A$21.29

$4.25 Rp 76.5K

248.00%

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

$2,142 A$3,082

$493 Rp 8.9M

334.73%

International Primary School, 1 Child (Yearly)

$20.5K A$29.5K

$5,597 Rp 100.7M

266.83%

Jeans (Levis 501 Or Similar)

$76.4 A$110

$45.58 Rp 820.4K

67.66%

Summer Dress (H&M, Zara, etc)

$53.2 A$76.5

$34.96 Rp 629.4K

52.06%

Sport Shoes (Adidas, Nike)

$105 A$151

$77.7 Rp 1.4M

35.05%

Men's Leather Business Shoes

$122 A$176

$78.5 Rp 1.4M

55.68%

1-bedroom Apartment, City Center (Monthly)

$1,366 A$1,966

$1,131 Rp 20.4M

20.72%

1-bedroom Apartment, Outside City Center (Monthly)

$577 A$830

$673 Rp 12.1M

-14.31%

3-bedroom Apartment, City Center (Monthly)

$2,164 A$3,114

$3,613 Rp 65.0M

-40.10%

3-bedroom Apartment, Outside City Center (Monthly)

$900 A$1,295

$1,702 Rp 30.6M

-47.10%

Buy Apartment in City Center (m2)

$5,815 A$8,367

$2,717 Rp 48.9M

113.98%

Buy Apartment Outside City Center (m2)

$4,850 A$6,979

$2,241 Rp 40.3M

116.39%

Average Monthly Net Salary (After Tax)

$2,800 A$4,030

$166 Rp 3.0M

1583.21%

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 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Armidale

$577 33.5%

Ubud, Bali

$673 49.7% 16.7% $96

Groceries & Markets

Armidale

$321 18.6%

Ubud, Bali

$287 21.2% 10.5% $34

Eating Out

Armidale

$290 16.9%

Ubud, Bali

$106 7.9% 63.3% $184

Monthly Utilities & Internet

Armidale

$198 11.5%

Ubud, Bali

$105 7.8% 46.9% $93

Clothing & Footwear

Armidale

$161 9.3%

Ubud, Bali

$107 7.9% 33.6% $54

Getting Around

Armidale

$103 6%

Ubud, Bali

$12 0.9% 88% $91

Sport & Entertainment

Armidale

$72 4.2%

Ubud, Bali

$63 4.6% 12.5% $9

Cost Breakdown

A one-bedroom apartment in the center runs $1,366 in Armidale and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Armidale pays 1583% 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: $84.0 in Armidale vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $321 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Armidale

🇮🇩 Ubud, Bali

🕒 Local time

21:50 9:50 PM

18:50 6:50 PM

3 h behind Armidale

🌤 Weather

👥 Population

21,312

74,800

💱 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 20, 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 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 AUD in detail →

On the map

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Highest

Between locations

Armidale Ubud, Bali 4,500 km ≈ 6 h nonstop flight

From you

Armidale
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 27% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1583% 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: $1,366 in Armidale versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,721 per month in Armidale versus $1,353 in Ubud, Bali – a 27% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 802% less than in Armidale. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,353 in Ubud, Bali versus $1,721 in Armidale, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Armidale. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, 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 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 27% less than in Armidale. Beyond cost, consider language, visa policies, and how big the international community is in each city.