Last update: Oct 2026

Cost of Living Comparison Between Ballarat and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,902 in Ballarat, rent and utilities included – about $6,400 less a year. Other living expenses account for most of the difference.

93

Cost of Living Index in Ballarat
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Ballarat Living Index
67

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

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Ballarat

🇦🇺 Australia

$1,902

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,902 in Ballarat versus $1,368 in Ubud, Bali.

Ballarat $1,902
Ubud, Bali $1,368

Estimated couple costs with rent: $3,035 in Ballarat versus $2,314 in Ubud, Bali.

Ballarat $3,035
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,168 in Ballarat versus $3,260 in Ubud, Bali.

Ballarat $4,168
Ubud, Bali $3,260

Living in Ballarat is roughly 39% 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: Ballarat 41% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$17.70 A$25.47

$3.33 Rp 59.9K

431.53%

Three-Course Dinner for Two, Mid-Range

$69.9 A$101

$35.18 Rp 633.2K

98.69%

Fast Food Meal (McDonalds, etc)

$10.27 A$14.78

$5.80 Rp 104.5K

77.07%

Cappuccino

$3.79 A$5.45

$2.73 Rp 49.1K

38.83%

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

$2.95 A$4.24

$1.64 Rp 29.5K

79.88%

Water (0.33 liter bottle)

$1.89 A$2.72

$0.83 Rp 15.0K

127.71%

Local Beer (0.5 liter draught)

$6.06 A$8.72

$2.70 Rp 48.6K

124.44%

Imported Beer (0.33 liter bottle)

$6.09 A$8.77

$4.30 Rp 77.4K

41.63%

Milk (1 liter)

$1.57 A$2.27

$1.50 Rp 27.1K

4.67%

White Bread (500g)

$2.65 A$3.82

$2.30 Rp 41.4K

15.22%

Rice (white) (1kg)

$2.32 A$3.35

$1.18 Rp 21.2K

96.61%

Eggs

$4.09 A$5.88

$2.14 Rp 38.6K

91.12%

Local Cheese (1kg)

$10.56 A$15.20

$17.48 Rp 314.6K

-39.59%

Chicken Fillets (1kg)

$9.96 A$14.33

$4.03 Rp 72.5K

147.15%

Beef Round Steak (1kg)

$14.97 A$21.55

$12.23 Rp 220.1K

22.40%

Apples (1kg)

$3.51 A$5.04

$3.55 Rp 63.9K

-1.13%

Banana (1kg)

$3.02 A$4.34

$1.57 Rp 28.3K

92.36%

Oranges (1kg)

$3.11 A$4.48

$2.24 Rp 40.2K

38.84%

Tomato (1kg)

$4.68 A$6.73

$1.93 Rp 34.7K

142.49%

Potato (1kg)

$3.07 A$4.42

$1.88 Rp 33.9K

63.30%

Onion (1kg)

$2.55 A$3.67

$2.29 Rp 41.3K

11.35%

Lettuce (1 head)

$2.35 A$3.38

$0.99 Rp 17.9K

137.37%

Water (1.5 liter bottle)

$1.48 A$2.14

$0.53 Rp 9,475

179.25%

Cigarettes 20 Pack (Marlboro, Camel)

$34.39 A$49.49

$2.28 Rp 41.1K

1408.33%

Wine (Bottle)

$12.66 A$18.21

$23.01 Rp 414.2K

-44.98%

Local Beer (0.5 liter bottle)

$2.31 A$3.33

$2.34 Rp 42.2K

-1.28%

Imported Beer (0.33 liter bottle)

$3.11 A$4.48

$2.91 Rp 52.4K

6.87%

One-way Ticket (Public Transport)

$2.76 A$3.97

$0.24 Rp 4,315

1050.00%

Public Transport Monthly Pass (Regular Price)

$69.9 A$101

$8.82 Rp 158.7K

691.95%

Taxi Start (Normal Tariff)

$2.53 A$3.65

$0.48 Rp 8,684

427.08%

Taxi (Normal Tariff) (1km)

$1.34 A$1.93

$0.46 Rp 8,233

191.30%

Taxi 1hour Waiting (Normal Tariff)

$26.64 A$38.33

$5.45 Rp 98.2K

388.81%

Gasoline (1 liter)

$1.18 A$1.70

$0.88 Rp 15.9K

34.09%

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

$28.4K A$40.9K

$24.6K Rp 442.2M

15.75%

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

$26.0K A$37.4K

$31.2K Rp 561.4M

-16.65%

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

$206 A$296

$83.0 Rp 1.5M

147.64%

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

$27.76 A$39.95

$6.45 Rp 116.0K

330.39%

Internet (50+ Mbps, Unlimited Data)

$57.4 A$82.6

$18.57 Rp 334.2K

209.10%

Gym Membership (Monthly)

$31.36 A$45.13

$55.8 Rp 1.0M

-43.82%

Tennis Court (1 Hour on Weekend)

$11.18 A$16.09

$18.11 Rp 326.0K

-38.27%

Cinema Ticket

$15.38 A$22.14

$4.38 Rp 78.9K

251.14%

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

$2,144 A$3,085

$493 Rp 8.9M

334.89%

International Primary School, 1 Child (Yearly)

$30.2K A$43.4K

$5,754 Rp 103.6M

424.80%

Jeans (Levis 501 Or Similar)

$68.7 A$98.8

$46.19 Rp 831.4K

48.63%

Summer Dress (H&M, Zara, etc)

$50.1 A$72.2

$35.33 Rp 636.0K

41.92%

Sport Shoes (Adidas, Nike)

$99.6 A$143

$79.1 Rp 1.4M

25.88%

Men's Leather Business Shoes

$134 A$193

$78.4 Rp 1.4M

70.71%

1-bedroom Apartment, City Center (Monthly)

$923 A$1,329

$1,142 Rp 20.6M

-19.17%

1-bedroom Apartment, Outside City Center (Monthly)

$671 A$965

$676 Rp 12.2M

-0.71%

3-bedroom Apartment, City Center (Monthly)

$1,288 A$1,854

$3,503 Rp 63.1M

-63.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,454 A$2,092

$1,700 Rp 30.6M

-14.48%

Buy Apartment in City Center (m2)

$4,622 A$6,651

$2,784 Rp 50.1M

66.02%

Buy Apartment Outside City Center (m2)

$3,449 A$4,963

$2,241 Rp 40.3M

53.93%

Average Monthly Net Salary (After Tax)

$3,136 A$4,512

$165 Rp 3.0M

1805.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.55

13.78

-59.72%

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

Last update for Ballarat: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ballarat

$671 35.3%

Ubud, Bali

$676 49.4% 0.7% $4.8

Groceries & Markets

Ballarat

$350 18.4%

Ubud, Bali

$290 21.2% 17.1% $60

Monthly Utilities & Internet

Ballarat

$291 15.3%

Ubud, Bali

$108 7.9% 62.8% $183

Eating Out

Ballarat

$280 14.7%

Ubud, Bali

$109 8% 61.1% $171

Clothing & Footwear

Ballarat

$158 8.3%

Ubud, Bali

$108 7.9% 32.1% $51

Getting Around

Ballarat

$90 4.7%

Ubud, Bali

$13 0.9% 86.1% $78

Sport & Entertainment

Ballarat

$62 3.3%

Ubud, Bali

$65 4.7% 3.9% $2.4

Cost Breakdown

A one-bedroom apartment in the center runs $923 in Ballarat and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ballarat pays 1806% 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: $70.0 in Ballarat vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $350 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Ballarat

🇮🇩 Ubud, Bali

🕒 Local time

02:30 2:30 AM

23:30 11:30 PM

3 h behind Ballarat

🌤 Weather

👥 Population

105,348

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 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

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Between locations

Ballarat Ubud, Bali 4,320 km ≈ 6 h nonstop flight

From you

Ballarat
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

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

Ubud, Bali wins on cost – living expenses run 39% lower than in Ballarat. 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 runs 1806% higher in Ballarat, 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: $923 in Ballarat versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,144 in Ballarat versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 21% higher in Ballarat. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,902 in Ballarat, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Ballarat. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ballarat 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 39% less than in Ballarat. Beyond cost, consider language, visa policies, and how big the international community is in each city.