Last update: Oct 2026

Cost of Living Comparison Between Bergamo and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,592 in Bergamo, rent and utilities included – about $2,900 less a year. The total is higher in Bergamo despite lower rent and utilities.

78

Cost of Living Index in Bergamo
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Bergamo Living Index
66

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

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Bergamo

🇮🇹 Italy

$1,592

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,592 in Bergamo versus $1,348 in Ubud, Bali.

Bergamo $1,592
Ubud, Bali $1,348

Estimated couple costs with rent: $2,451 in Bergamo versus $2,312 in Ubud, Bali.

Bergamo $2,451
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $3,311 in Bergamo versus $3,276 in Ubud, Bali.

Bergamo $3,311
Ubud, Bali $3,276

Living in Bergamo is roughly 18% 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: Bergamo 19% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$15.68 €13.99

$3.33 Rp 59.6K

370.87%

Three-Course Dinner for Two, Mid-Range

$82.6 €73.8

$35.42 Rp 633.1K

133.31%

Fast Food Meal (McDonalds, etc)

$11.08 €9.89

$5.76 Rp 102.9K

92.36%

Cappuccino

$1.87 €1.67

$2.63 Rp 47.0K

-28.90%

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

$3.31 €2.95

$1.74 Rp 31.0K

90.23%

Water (0.33 liter bottle)

$1.29 €1.15

$0.77 Rp 13.8K

67.53%

Local Beer (0.5 liter draught)

$5.57 €4.97

$2.71 Rp 48.4K

105.54%

Imported Beer (0.33 liter bottle)

$5.57 €4.97

$4.52 Rp 80.8K

23.23%

Milk (1 liter)

$1.42 €1.27

$1.53 Rp 27.4K

-7.19%

White Bread (500g)

$2.02 €1.81

$2.20 Rp 39.2K

-8.18%

Rice (white) (1kg)

$3.02 €2.70

$1.22 Rp 21.8K

147.54%

Eggs

$3.71 €3.31

$2.14 Rp 38.2K

73.36%

Local Cheese (1kg)

$15.27 €13.63

$17.73 Rp 316.9K

-13.87%

Chicken Fillets (1kg)

$11.39 €10.16

$3.86 Rp 68.9K

195.08%

Beef Round Steak (1kg)

$16.13 €14.39

$12.03 Rp 215.0K

34.08%

Apples (1kg)

$2.30 €2.05

$3.61 Rp 64.5K

-36.29%

Banana (1kg)

$1.71 €1.52

$1.51 Rp 27.1K

13.25%

Oranges (1kg)

$2.25 €2.01

$2.32 Rp 41.4K

-3.02%

Tomato (1kg)

$2.66 €2.38

$2.00 Rp 35.8K

33.00%

Potato (1kg)

$1.81 €1.62

$1.81 Rp 32.4K

Onion (1kg)

$2.19 €1.95

$2.39 Rp 42.7K

-8.37%

Lettuce (1 head)

$1.86 €1.66

$0.99 Rp 17.8K

87.88%

Water (1.5 liter bottle)

$0.48 €0.43

$0.52 Rp 9,373

-7.69%

Cigarettes 20 Pack (Marlboro, Camel)

$7.11 €6.35

$2.18 Rp 39.0K

226.15%

Wine (Bottle)

$4.17 €3.72

$22.98 Rp 410.7K

-81.85%

Local Beer (0.5 liter bottle)

$1.25 €1.12

$2.40 Rp 42.8K

-47.92%

Imported Beer (0.33 liter bottle)

$1.77 €1.58

$3.00 Rp 53.6K

-41.00%

One-way Ticket (Public Transport)

$1.88 €1.67

$0.24 Rp 4,255

683.33%

Public Transport Monthly Pass (Regular Price)

$45.25 €40.38

$6.99 Rp 125.0K

547.35%

Taxi Start (Normal Tariff)

$10.21 €9.11

$0.44 Rp 7,876

2220.45%

Taxi (Normal Tariff) (1km)

$2.22 €1.98

$0.42 Rp 7,582

428.57%

Taxi 1hour Waiting (Normal Tariff)

$38.74 €34.57

$5.45 Rp 97.4K

610.83%

Gasoline (1 liter)

$2.09 €1.86

$0.84 Rp 15.1K

148.81%

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

$36.8K €32.8K

$24.3K Rp 434.8M

51.20%

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

$35.0K €31.3K

$31.9K Rp 570.0M

9.86%

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

$195 €174

$80.8 Rp 1.4M

141.64%

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

$8.87 €7.92

$6.58 Rp 117.6K

34.80%

Internet (50+ Mbps, Unlimited Data)

$27.82 €24.82

$18.24 Rp 326.1K

52.52%

Gym Membership (Monthly)

$32.67 €29.15

$55.1 Rp 985.4K

-40.74%

Tennis Court (1 Hour on Weekend)

$23.37 €20.86

$18.51 Rp 330.9K

26.26%

Cinema Ticket

$11.26 €10.05

$4.24 Rp 75.9K

165.57%

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

$569 €507

$486 Rp 8.7M

17.05%

International Primary School, 1 Child (Yearly)

$14.0K €12.5K

$5,676 Rp 101.5M

146.49%

Jeans (Levis 501 Or Similar)

$74.1 €66.1

$45.18 Rp 807.6K

63.90%

Summer Dress (H&M, Zara, etc)

$32.57 €29.06

$34.57 Rp 617.9K

-5.79%

Sport Shoes (Adidas, Nike)

$88.0 €78.5

$79.2 Rp 1.4M

11.13%

Men's Leather Business Shoes

$103 €92.0

$77.6 Rp 1.4M

32.76%

1-bedroom Apartment, City Center (Monthly)

$751 €670

$1,127 Rp 20.1M

-33.33%

1-bedroom Apartment, Outside City Center (Monthly)

$573 €511

$674 Rp 12.1M

-15.03%

3-bedroom Apartment, City Center (Monthly)

$1,370 €1,222

$3,618 Rp 64.7M

-62.15%

3-bedroom Apartment, Outside City Center (Monthly)

$904 €807

$1,735 Rp 31.0M

-47.87%

Buy Apartment in City Center (m2)

$3,471 €3,097

$2,829 Rp 50.6M

22.69%

Buy Apartment Outside City Center (m2)

$2,509 €2,239

$2,307 Rp 41.2M

8.79%

Average Monthly Net Salary (After Tax)

$2,426 €2,165

$166 Rp 3.0M

1364.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.05

13.78

-77.87%

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

Last update for Bergamo: October 6, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Bergamo

$573 35.7%

Ubud, Bali

$674 49.6% 17.7% $101

Groceries & Markets

Bergamo

$298 18.6%

Ubud, Bali

$290 21.4% 2.6% $7.6

Eating Out

Bergamo

$239 14.9%

Ubud, Bali

$108 8% 54.7% $130

Monthly Utilities & Internet

Bergamo

$232 14.5%

Ubud, Bali

$106 7.8% 54.5% $126

Clothing & Footwear

Bergamo

$134 8.4%

Ubud, Bali

$106 7.8% 20.5% $27

Getting Around

Bergamo

$74 4.6%

Ubud, Bali

$11 0.8% 85.8% $64

Sport & Entertainment

Bergamo

$55 3.4%

Ubud, Bali

$64 4.7% 15.3% $8.4

Cost Breakdown

A one-bedroom apartment in the center runs $751 in Bergamo and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Bergamo pays 1364% 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 Bergamo vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $298 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇹 Bergamo

🇮🇩 Ubud, Bali

🕒 Local time

09:45 9:45 AM

15:45 3:45 PM

6 h ahead of Bergamo

🌤 Weather

👥 Population

120,569

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to EUR in detail →

On the map

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Highest

Between locations

Bergamo Ubud, Bali 11,890 km ≈ 15 h nonstop flight

From you

Bergamo
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

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

Bergamo and Ubud, Bali differ by about 18% in total monthly costs ($1,592 vs $1,348 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1364% higher in Bergamo, 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: $751 in Bergamo versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $83.0 in Bergamo. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,592 per month in Bergamo versus $1,348 in Ubud, Bali – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,348 in Ubud, Bali versus $1,592 in Bergamo, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Bergamo. 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, Bergamo 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 18% less than in Bergamo. Beyond cost, consider language, visa policies, and how big the international community is in each city.