Last update: Oct 2026

Cost of Living Comparison Between Ayia Napa and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,920 in Ayia Napa, rent and utilities included – about $6,900 less a year. Other living expenses account for most of the difference.

89

Cost of Living Index in Ayia Napa
Learn more

Ayia Napa Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Ayia Napa

🇨🇾 Cyprus

$1,920

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,920 in Ayia Napa versus $1,349 in Ubud, Bali.

Ayia Napa $1,920
Ubud, Bali $1,349

Estimated couple costs with rent: $2,817 in Ayia Napa versus $2,305 in Ubud, Bali.

Ayia Napa $2,817
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,714 in Ayia Napa versus $3,261 in Ubud, Bali.

Ayia Napa $3,714
Ubud, Bali $3,261

Living in Ayia Napa is roughly 42% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$25.98 €23.18

$3.32 Rp 60.3K

682.53%

Three-Course Dinner for Two, Mid-Range

$55.7 €49.68

$35.64 Rp 646.7K

56.23%

Fast Food Meal (McDonalds, etc)

$13.53 €12.07

$5.53 Rp 100.4K

144.67%

Cappuccino

$3.84 €3.42

$2.72 Rp 49.3K

41.18%

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

$2.74 €2.44

$1.70 Rp 30.9K

61.18%

Water (0.33 liter bottle)

$1.36 €1.22

$0.76 Rp 13.8K

78.95%

Local Beer (0.5 liter draught)

$3.93 €3.51

$2.65 Rp 48.2K

48.30%

Imported Beer (0.33 liter bottle)

$5.51 €4.91

$4.38 Rp 79.5K

25.80%

Milk (1 liter)

$1.86 €1.66

$1.49 Rp 27.1K

24.83%

White Bread (500g)

$1.44 €1.28

$2.28 Rp 41.3K

-36.84%

Rice (white) (1kg)

$2.30 €2.05

$1.19 Rp 21.6K

93.28%

Eggs

$4.69 €4.19

$2.04 Rp 36.9K

129.90%

Local Cheese (1kg)

$13.25 €11.82

$17.70 Rp 321.2K

-25.14%

Chicken Fillets (1kg)

$8.60 €7.67

$3.96 Rp 71.9K

117.17%

Beef Round Steak (1kg)

$12.85 €11.47

$12.19 Rp 221.2K

5.41%

Apples (1kg)

$3.59 €3.20

$3.66 Rp 66.3K

-1.91%

Banana (1kg)

$2.03 €1.81

$1.52 Rp 27.5K

33.55%

Oranges (1kg)

$1.99 €1.78

$2.23 Rp 40.4K

-10.76%

Tomato (1kg)

$3.08 €2.74

$1.97 Rp 35.8K

56.35%

Potato (1kg)

$1.46 €1.30

$1.85 Rp 33.5K

-21.08%

Onion (1kg)

$1.13 €1.01

$2.42 Rp 44.0K

-53.31%

Lettuce (1 head)

$0.69 €0.62

$0.99 Rp 18.0K

-30.30%

Water (1.5 liter bottle)

$1.01 €0.90

$0.51 Rp 9,316

98.04%

Cigarettes 20 Pack (Marlboro, Camel)

$5.68 €5.07

$2.22 Rp 40.3K

155.86%

Wine (Bottle)

$5.79 €5.16

$22.24 Rp 403.6K

-73.97%

Local Beer (0.5 liter bottle)

$1.63 €1.46

$2.26 Rp 41.0K

-27.88%

Imported Beer (0.33 liter bottle)

$2.28 €2.03

$2.97 Rp 53.9K

-23.23%

One-way Ticket (Public Transport)

$2.22 €1.98

$0.25 Rp 4,555

788.00%

Public Transport Monthly Pass (Regular Price)

$49.37 €44.05

$7.82 Rp 142.0K

531.33%

Taxi Start (Normal Tariff)

$6.79 €6.06

$0.44 Rp 7,975

1443.18%

Taxi (Normal Tariff) (1km)

$2.09 €1.86

$0.43 Rp 7,804

386.05%

Taxi 1hour Waiting (Normal Tariff)

$24.68 €22.02

$5.41 Rp 98.2K

356.19%

Gasoline (1 liter)

$1.66 €1.48

$0.82 Rp 15.0K

102.44%

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

$31.5K €28.1K

$23.8K Rp 432.6M

32.28%

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

$32.5K €29.0K

$31.7K Rp 576.1M

2.36%

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

$165 €147

$79.1 Rp 1.4M

108.10%

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

$20.45 €18.25

$6.45 Rp 117.0K

217.05%

Internet (50+ Mbps, Unlimited Data)

$32.47 €28.97

$18.58 Rp 337.1K

74.76%

Gym Membership (Monthly)

$61.7 €55.0

$49.48 Rp 897.9K

24.68%

Tennis Court (1 Hour on Weekend)

$27.85 €24.85

$17.65 Rp 320.2K

57.79%

Cinema Ticket

$12.71 €11.34

$4.27 Rp 77.6K

197.66%

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

$404 €360

$491 Rp 8.9M

-17.65%

International Primary School, 1 Child (Yearly)

$8,274 €7,382

$5,674 Rp 103.0M

45.83%

Jeans (Levis 501 Or Similar)

$68.1 €60.7

$44.64 Rp 810.0K

52.51%

Summer Dress (H&M, Zara, etc)

$44.57 €39.76

$34.95 Rp 634.2K

27.53%

Sport Shoes (Adidas, Nike)

$99.7 €88.9

$79.9 Rp 1.4M

24.73%

Men's Leather Business Shoes

$92.2 €82.3

$79.4 Rp 1.4M

16.12%

1-bedroom Apartment, City Center (Monthly)

$866 €773

$1,125 Rp 20.4M

-22.99%

1-bedroom Apartment, Outside City Center (Monthly)

$780 €696

$671 Rp 12.2M

16.13%

3-bedroom Apartment, City Center (Monthly)

$1,869 €1,668

$3,565 Rp 64.7M

-47.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,163 €1,038

$1,723 Rp 31.3M

-32.50%

Buy Apartment in City Center (m2)

$3,265 €2,913

$2,732 Rp 49.6M

19.51%

Buy Apartment Outside City Center (m2)

$2,115 €1,887

$2,284 Rp 41.4M

-7.42%

Average Monthly Net Salary (After Tax)

$1,631 €1,456

$164 Rp 3.0M

895.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.93

13.78

-71.48%

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

Last update for Ayia Napa: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ayia Napa

$780 40.6%

Ubud, Bali

$672 49.8% 13.9% $108

Eating Out

Ayia Napa

$342 17.8%

Ubud, Bali

$108 8% 68.5% $234

Groceries & Markets

Ayia Napa

$281 14.7%

Ubud, Bali

$288 21.4% 2.5% $7

Monthly Utilities & Internet

Ayia Napa

$217 11.3%

Ubud, Bali

$104 7.7% 52.1% $113

Clothing & Footwear

Ayia Napa

$137 7.1%

Ubud, Bali

$108 8% 21.5% $30

Sport & Entertainment

Ayia Napa

$87 4.5%

Ubud, Bali

$58 4.3% 33.4% $29

Getting Around

Ayia Napa

$75 3.9%

Ubud, Bali

$11 0.9% 84.9% $64

Cost Breakdown

A one-bedroom apartment in the center runs $866 in Ayia Napa and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ayia Napa pays about 10 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $56 in Ayia Napa vs $36 in Ubud, Bali. Groceries flip the comparison at $281 vs $288, with Ayia Napa cheaper for home cooking.

Good to know

🇨🇾 Ayia Napa

🇮🇩 Ubud, Bali

🕒 Local time

15:12 3:12 PM

21:12 9:12 PM

6 h ahead of Ayia Napa

🌤 Weather

👥 Population

3,000

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Ayia Napa Ubud, Bali 9,760 km ≈ 13 h nonstop flight

From you

Ayia Napa
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

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

Ubud, Bali wins on cost – living expenses run 30% lower than in Ayia Napa. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Ayia Napa is about 10 times higher, 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: $866 in Ayia Napa versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $404 in Ayia Napa versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $56 in Ayia Napa. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Ubud, Bali wins on affordability, Ayia Napa on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.