Last update: Oct 2026

Cost of Living Comparison Between Atlantic City, NJ and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,821 in Atlantic City, NJ, rent and utilities included – about $17,600 less a year. Rent and utilities account for about half of the difference.

136

Cost of Living Index in Atlantic City, NJ
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Atlantic City, NJ Living Index
66

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

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Atlantic City, NJ

🇺🇸 United States

$2,821

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,821 in Atlantic City, NJ versus $1,353 in Ubud, Bali.

Atlantic City, NJ $2,821
Ubud, Bali $1,353

Estimated couple costs with rent: $4,228 in Atlantic City, NJ versus $2,297 in Ubud, Bali.

Atlantic City, NJ $4,228
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $5,635 in Atlantic City, NJ versus $3,241 in Ubud, Bali.

Atlantic City, NJ $5,635
Ubud, Bali $3,241

Living in Atlantic City, NJ is roughly 108% 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: Atlantic City, NJ 108% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$19.73 $19.73

$3.23 Rp 58.1K

510.84%

Three-Course Dinner for Two, Mid-Range

$98.1 $98.1

$34.88 Rp 627.8K

181.31%

Fast Food Meal (McDonalds, etc)

$11.30 $11.30

$5.70 Rp 102.5K

98.25%

Cappuccino

$5.43 $5.43

$2.62 Rp 47.1K

107.25%

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

$2.28 $2.28

$1.72 Rp 31.0K

32.56%

Water (0.33 liter bottle)

$2.01 $2.01

$0.81 Rp 14.6K

148.15%

Local Beer (0.5 liter draught)

$6.09 $6.09

$2.65 Rp 47.7K

129.81%

Imported Beer (0.33 liter bottle)

$8.78 $8.78

$4.37 Rp 78.6K

100.92%

Milk (1 liter)

$1.24 $1.24

$1.57 Rp 28.3K

-21.02%

White Bread (500g)

$3.38 $3.38

$2.19 Rp 39.5K

54.34%

Rice (white) (1kg)

$7.27 $7.27

$1.18 Rp 21.2K

516.10%

Eggs

$4.21 $4.21

$2.16 Rp 38.8K

94.91%

Local Cheese (1kg)

$11.18 $11.18

$17.65 Rp 317.7K

-36.66%

Chicken Fillets (1kg)

$16.67 $16.67

$3.78 Rp 68.0K

341.01%

Beef Round Steak (1kg)

$20.14 $20.14

$11.95 Rp 215.1K

68.54%

Apples (1kg)

$7.55 $7.55

$3.60 Rp 64.8K

109.72%

Banana (1kg)

$3.69 $3.69

$1.59 Rp 28.6K

132.08%

Oranges (1kg)

$5.41 $5.41

$2.31 Rp 41.6K

134.20%

Tomato (1kg)

$5.86 $5.86

$1.91 Rp 34.3K

206.81%

Potato (1kg)

$3.98 $3.98

$1.78 Rp 32.1K

123.60%

Onion (1kg)

$4.75 $4.75

$2.33 Rp 41.9K

103.86%

Lettuce (1 head)

$2.54 $2.54

$1.00 Rp 18.0K

154.00%

Water (1.5 liter bottle)

$2.45 $2.45

$0.53 Rp 9,509

362.26%

Cigarettes 20 Pack (Marlboro, Camel)

$14.24 $14.24

$2.29 Rp 41.1K

521.83%

Wine (Bottle)

$13.27 $13.27

$22.07 Rp 397.3K

-39.87%

Local Beer (0.5 liter bottle)

$2.64 $2.64

$2.35 Rp 42.2K

12.34%

Imported Beer (0.33 liter bottle)

$3.38 $3.38

$2.98 Rp 53.6K

13.42%

One-way Ticket (Public Transport)

$3.04 $3.04

$0.23 Rp 4,112

1221.74%

Public Transport Monthly Pass (Regular Price)

$88.3 $88.3

$8.90 Rp 160.2K

891.69%

Taxi Start (Normal Tariff)

$2.99 $2.99

$0.47 Rp 8,466

536.17%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$0.43 Rp 7,737

390.70%

Taxi 1hour Waiting (Normal Tariff)

$42.73 $42.73

$5.47 Rp 98.4K

681.17%

Gasoline (1 liter)

$0.96 $0.96

$0.83 Rp 14.9K

15.66%

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

$20.4K $20.4K

$23.9K Rp 429.8M

-14.68%

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

$24.8K $24.8K

$32.8K Rp 590.1M

-24.28%

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

$250 $250

$80.0 Rp 1.4M

212.66%

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

$61.2 $61.2

$6.56 Rp 118.1K

833.23%

Internet (50+ Mbps, Unlimited Data)

$61.0 $61.0

$18.60 Rp 334.8K

228.17%

Gym Membership (Monthly)

$29.59 $29.59

$54.1 Rp 974.1K

-45.33%

Tennis Court (1 Hour on Weekend)

$50.1 $50.1

$18.28 Rp 329.0K

174.02%

Cinema Ticket

$16.78 $16.78

$4.25 Rp 76.5K

294.82%

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

$503 $503

$493 Rp 8.9M

2.10%

International Primary School, 1 Child (Yearly)

$7,031 $7,031

$5,597 Rp 100.7M

25.61%

Jeans (Levis 501 Or Similar)

$70.5 $70.5

$45.58 Rp 820.4K

54.72%

Summer Dress (H&M, Zara, etc)

$31.78 $31.78

$34.96 Rp 629.4K

-9.10%

Sport Shoes (Adidas, Nike)

$122 $122

$77.7 Rp 1.4M

56.56%

Men's Leather Business Shoes

$120 $120

$78.5 Rp 1.4M

52.83%

1-bedroom Apartment, City Center (Monthly)

$1,737 $1,737

$1,131 Rp 20.4M

53.53%

1-bedroom Apartment, Outside City Center (Monthly)

$1,307 $1,307

$673 Rp 12.1M

94.27%

3-bedroom Apartment, City Center (Monthly)

$2,320 $2,320

$3,613 Rp 65.0M

-35.79%

3-bedroom Apartment, Outside City Center (Monthly)

$2,175 $2,175

$1,702 Rp 30.6M

27.83%

Buy Apartment in City Center (m2)

$4,255 $4,255

$2,717 Rp 48.9M

56.58%

Buy Apartment Outside City Center (m2)

$4,212 $4,212

$2,241 Rp 40.3M

87.96%

Average Monthly Net Salary (After Tax)

$4,017 $4,017

$166 Rp 3.0M

2314.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

13.78

-51.60%

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

Last update for Atlantic City, NJ: October 20, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Atlantic City, NJ

$1.3K 46.3%

Ubud, Bali

$673 49.7% 48.5% $634

Groceries & Markets

Atlantic City, NJ

$488 17.3%

Ubud, Bali

$287 21.2% 41.1% $201

Monthly Utilities & Internet

Atlantic City, NJ

$372 13.2%

Ubud, Bali

$105 7.8% 71.8% $267

Eating Out

Atlantic City, NJ

$322 11.4%

Ubud, Bali

$106 7.9% 67% $216

Clothing & Footwear

Atlantic City, NJ

$155 5.5%

Ubud, Bali

$107 7.9% 31.2% $48

Getting Around

Atlantic City, NJ

$114 4%

Ubud, Bali

$12 0.9% 89.1% $102

Sport & Entertainment

Atlantic City, NJ

$63 2.2%

Ubud, Bali

$63 4.6% 0.8% $0.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,737 in Atlantic City, NJ and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Atlantic City, NJ pays 2315% 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: $98.0 in Atlantic City, NJ vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $488 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Atlantic City, NJ

🇮🇩 Ubud, Bali

🕒 Local time

23:40 11:40 PM

11:40 11:40 AM

12 h ahead of Atlantic City, NJ

🌤 Weather

👥 Population

39,958

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Atlantic City, NJ Ubud, Bali 16,450 km ≈ 21 h nonstop flight

From you

Atlantic City, NJ
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

Atlantic City, NJ vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Atlantic City, NJ and Ubud, Bali differ by about 108% in total monthly costs ($2,821 vs $1,353 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2315% higher in Atlantic City, NJ, 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: $1,737 in Atlantic City, NJ versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 70% higher in Atlantic City, NJ. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $98.0 in Atlantic City, NJ. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,353 in Ubud, Bali versus $2,821 in Atlantic City, NJ, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Atlantic City, NJ. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Atlantic City, NJ 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 108% less than in Atlantic City, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.