Last update: Oct 2026

Cost of Living Comparison Between Bergen County, NJ and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $4,323 in Bergen County, NJ, rent and utilities included – about $35,600 less a year. Rent and utilities account for most of the difference.

208

Cost of Living Index in Bergen County, NJ
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Bergen County, NJ Living Index
66

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

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Bergen County, NJ

🇺🇸 United States

$4,323

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $4,323 in Bergen County, NJ versus $1,353 in Ubud, Bali.

Bergen County, NJ $4,323
Ubud, Bali $1,353

Estimated couple costs with rent: $5,463 in Bergen County, NJ versus $2,297 in Ubud, Bali.

Bergen County, NJ $5,463
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $6,603 in Bergen County, NJ versus $3,241 in Ubud, Bali.

Bergen County, NJ $6,603
Ubud, Bali $3,241

Living in Bergen County, NJ is roughly 219% 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: Bergen County, NJ 219% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$22.48 $22.48

$3.23 Rp 58.1K

595.98%

Three-Course Dinner for Two, Mid-Range

$85.3 $85.3

$34.88 Rp 627.8K

144.44%

Fast Food Meal (McDonalds, etc)

$12.83 $12.83

$5.70 Rp 102.5K

125.09%

Cappuccino

$5.13 $5.13

$2.62 Rp 47.1K

95.80%

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

$3.07 $3.07

$1.72 Rp 31.0K

78.49%

Water (0.33 liter bottle)

$2.23 $2.23

$0.81 Rp 14.6K

175.31%

Local Beer (0.5 liter draught)

$8.19 $8.19

$2.65 Rp 47.7K

209.06%

Imported Beer (0.33 liter bottle)

$8.09 $8.09

$4.37 Rp 78.6K

85.13%

Milk (1 liter)

$1.45 $1.45

$1.57 Rp 28.3K

-7.64%

White Bread (500g)

$4.37 $4.37

$2.19 Rp 39.5K

99.54%

Rice (white) (1kg)

$7.59 $7.59

$1.18 Rp 21.2K

543.22%

Eggs

$5.07 $5.07

$2.16 Rp 38.8K

134.72%

Local Cheese (1kg)

$12.66 $12.66

$17.65 Rp 317.7K

-28.27%

Chicken Fillets (1kg)

$11.91 $11.91

$3.78 Rp 68.0K

215.08%

Beef Round Steak (1kg)

$17.75 $17.75

$11.95 Rp 215.1K

48.54%

Apples (1kg)

$5.25 $5.25

$3.60 Rp 64.8K

45.83%

Banana (1kg)

$1.54 $1.54

$1.59 Rp 28.6K

-3.14%

Oranges (1kg)

$5.10 $5.10

$2.31 Rp 41.6K

120.78%

Tomato (1kg)

$5.05 $5.05

$1.91 Rp 34.3K

164.40%

Potato (1kg)

$2.73 $2.73

$1.78 Rp 32.1K

53.37%

Onion (1kg)

$3.05 $3.05

$2.33 Rp 41.9K

30.90%

Lettuce (1 head)

$2.38 $2.38

$1.00 Rp 18.0K

138.00%

Water (1.5 liter bottle)

$2.39 $2.39

$0.53 Rp 9,509

350.94%

Cigarettes 20 Pack (Marlboro, Camel)

$11.90 $11.90

$2.29 Rp 41.1K

419.65%

Wine (Bottle)

$24.56 $24.56

$22.07 Rp 397.3K

11.28%

Local Beer (0.5 liter bottle)

$1.72 $1.72

$2.35 Rp 42.2K

-26.81%

Imported Beer (0.33 liter bottle)

$4.46 $4.46

$2.98 Rp 53.6K

49.66%

One-way Ticket (Public Transport)

$4.17 $4.17

$0.23 Rp 4,112

1713.04%

Public Transport Monthly Pass (Regular Price)

$169 $169

$8.90 Rp 160.2K

1796.63%

Taxi Start (Normal Tariff)

$2.64 $2.64

$0.47 Rp 8,466

461.70%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$0.43 Rp 7,737

255.81%

Taxi 1hour Waiting (Normal Tariff)

$24.11 $24.11

$5.47 Rp 98.4K

340.77%

Gasoline (1 liter)

$1.06 $1.06

$0.83 Rp 14.9K

27.71%

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

$28.0K $28.0K

$23.9K Rp 429.8M

17.36%

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

$25.9K $25.9K

$32.8K Rp 590.1M

-21.05%

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

$211 $211

$80.0 Rp 1.4M

163.22%

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

$73.5 $73.5

$6.56 Rp 118.1K

1020.73%

Internet (50+ Mbps, Unlimited Data)

$64.7 $64.7

$18.60 Rp 334.8K

247.96%

Gym Membership (Monthly)

$98.2 $98.2

$54.1 Rp 974.1K

81.41%

Tennis Court (1 Hour on Weekend)

$49.53 $49.53

$18.28 Rp 329.0K

170.95%

Cinema Ticket

$15.26 $15.26

$4.25 Rp 76.5K

259.06%

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

$2,285 $2,285

$493 Rp 8.9M

363.88%

International Primary School, 1 Child (Yearly)

$24.1K $24.1K

$5,597 Rp 100.7M

331.20%

Jeans (Levis 501 Or Similar)

$48.52 $48.52

$45.58 Rp 820.4K

6.45%

Summer Dress (H&M, Zara, etc)

$46.34 $46.34

$34.96 Rp 629.4K

32.55%

Sport Shoes (Adidas, Nike)

$79.9 $79.9

$77.7 Rp 1.4M

2.82%

Men's Leather Business Shoes

$153 $153

$78.5 Rp 1.4M

94.43%

1-bedroom Apartment, City Center (Monthly)

$2,786 $2,786

$1,131 Rp 20.4M

146.21%

1-bedroom Apartment, Outside City Center (Monthly)

$2,685 $2,685

$673 Rp 12.1M

298.97%

3-bedroom Apartment, City Center (Monthly)

$4,541 $4,541

$3,613 Rp 65.0M

25.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,963 $2,963

$1,702 Rp 30.6M

74.13%

Buy Apartment in City Center (m2)

$3,928 $3,928

$2,717 Rp 48.9M

44.56%

Buy Apartment Outside City Center (m2)

$3,697 $3,697

$2,241 Rp 40.3M

64.94%

Average Monthly Net Salary (After Tax)

$5,356 $5,356

$166 Rp 3.0M

3119.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

13.78

-51.96%

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

Last update for Bergen County, 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

Bergen County, NJ

$2.7K 62.1%

Ubud, Bali

$673 49.7% 74.9% $2K

Groceries & Markets

Bergen County, NJ

$460 10.6%

Ubud, Bali

$287 21.2% 37.5% $173

Eating Out

Bergen County, NJ

$358 8.3%

Ubud, Bali

$106 7.9% 70.3% $252

Monthly Utilities & Internet

Bergen County, NJ

$349 8.1%

Ubud, Bali

$105 7.8% 69.9% $244

Getting Around

Bergen County, NJ

$196 4.5%

Ubud, Bali

$12 0.9% 93.7% $183

Clothing & Footwear

Bergen County, NJ

$147 3.4%

Ubud, Bali

$107 7.9% 27.7% $41

Sport & Entertainment

Bergen County, NJ

$129 3%

Ubud, Bali

$63 4.6% 51.3% $66

Cost Breakdown

A one-bedroom apartment in the center runs $2,786 in Bergen County, NJ and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Bergen County, NJ pays 3119% 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: $85.0 in Bergen County, NJ vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $460 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Bergen County, NJ

🇮🇩 Ubud, Bali

🕒 Local time

00:09 12:09 AM

12:09 12:09 PM

12 h ahead of Bergen County, NJ

🌤 Weather

👥 Population

11,668

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 23, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 23, 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

Bergen County, NJ Ubud, Bali 16,290 km ≈ 21 h nonstop flight

From you

Bergen County, 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

Bergen County, NJ vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Bergen County, NJ and Ubud, Bali differ by about 219% in total monthly costs ($4,323 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 3119% higher in Bergen County, 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: $2,786 in Bergen County, NJ versus $1,131 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 $85.0 in Bergen County, NJ. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $4,323 per month in Bergen County, NJ versus $1,353 in Ubud, Bali – a 219% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $4,323 in Bergen County, NJ, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Bergen County, 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, Bergen County, 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 219% less than in Bergen County, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.