Last update: Nov 2026

Cost of Living Comparison Between Biala Podlaska and Ubud, Bali

For one person, living is cheaper in Biala Podlaska: $1,282 a month against $1,331 in Ubud, Bali, rent and utilities included – about $590 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Biala Podlaska
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Biala Podlaska Living Index
64

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

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Biala Podlaska

🇵🇱 Poland

$1,282

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,282 in Biala Podlaska versus $1,331 in Ubud, Bali.

Biala Podlaska $1,282
Ubud, Bali $1,331

Estimated couple costs with rent: $1,893 in Biala Podlaska versus $2,255 in Ubud, Bali.

Biala Podlaska $1,893
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $2,504 in Biala Podlaska versus $3,180 in Ubud, Bali.

Biala Podlaska $2,504
Ubud, Bali $3,180

Living in Biala Podlaska costs roughly 4% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Biala Podlaska 5% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$7.51 zł 29.37

$3.38 Rp 61.3K

122.19%

Three-Course Dinner for Two, Mid-Range

$20.44 zł 79.9

$34.65 Rp 629.1K

-41.01%

Fast Food Meal (McDonalds, etc)

$9.07 zł 35.45

$5.57 Rp 101.2K

62.84%

Cappuccino

$3.46 zł 13.53

$2.62 Rp 47.6K

32.06%

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

$2.77 zł 10.81

$1.54 Rp 27.9K

79.87%

Water (0.33 liter bottle)

$2.77 zł 10.83

$0.64 Rp 11.6K

332.81%

Local Beer (0.5 liter draught)

$4.60 zł 17.98

$2.67 Rp 48.4K

72.28%

Imported Beer (0.33 liter bottle)

$5.09 zł 19.89

$4.26 Rp 77.4K

19.48%

Milk (1 liter)

$0.95 zł 3.72

$1.46 Rp 26.5K

-34.93%

White Bread (500g)

$1.10 zł 4.30

$2.29 Rp 41.6K

-51.97%

Rice (white) (1kg)

$1.38 zł 5.39

$1.11 Rp 20.1K

24.32%

Eggs

$3.32 zł 12.96

$2.10 Rp 38.1K

58.10%

Local Cheese (1kg)

$10.42 zł 40.72

$15.94 Rp 289.4K

-34.63%

Chicken Fillets (1kg)

$6.78 zł 26.49

$3.88 Rp 70.5K

74.74%

Beef Round Steak (1kg)

$11.46 zł 44.80

$11.40 Rp 207.0K

0.53%

Apples (1kg)

$1.18 zł 4.62

$3.55 Rp 64.5K

-66.76%

Banana (1kg)

$1.64 zł 6.43

$1.54 Rp 27.9K

6.49%

Oranges (1kg)

$2.31 zł 9.05

$2.23 Rp 40.5K

3.59%

Tomato (1kg)

$2.99 zł 11.67

$1.97 Rp 35.8K

51.78%

Potato (1kg)

$0.77 zł 3.02

$1.86 Rp 33.7K

-58.60%

Onion (1kg)

$0.92 zł 3.58

$2.42 Rp 43.9K

-61.98%

Lettuce (1 head)

$1.33 zł 5.22

$1.02 Rp 18.6K

30.39%

Water (1.5 liter bottle)

$0.58 zł 2.25

$0.52 Rp 9,483

11.54%

Cigarettes 20 Pack (Marlboro, Camel)

$5.56 zł 21.74

$2.20 Rp 39.9K

152.73%

Wine (Bottle)

$6.56 zł 25.64

$21.79 Rp 395.6K

-69.89%

Local Beer (0.5 liter bottle)

$1.10 zł 4.30

$2.33 Rp 42.2K

-52.79%

Imported Beer (0.33 liter bottle)

$1.75 zł 6.82

$2.97 Rp 53.9K

-41.08%

One-way Ticket (Public Transport)

$1.04 zł 4.07

$0.25 Rp 4,546

316.00%

Public Transport Monthly Pass (Regular Price)

$29.54 zł 115

$8.17 Rp 148.4K

261.57%

Taxi Start (Normal Tariff)

$1.84 zł 7.18

$0.44 Rp 7,947

318.18%

Taxi (Normal Tariff) (1km)

$0.68 zł 2.65

$0.47 Rp 8,496

44.68%

Taxi 1hour Waiting (Normal Tariff)

$9.24 zł 36.10

$5.60 Rp 101.7K

65.00%

Gasoline (1 liter)

$1.51 zł 5.92

$0.83 Rp 15.0K

81.93%

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

$30.6K zł 119.6K

$24.4K Rp 443.8M

25.17%

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

$27.9K zł 108.9K

$31.7K Rp 575.5M

-12.09%

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

$191 zł 746

$77.5 Rp 1.4M

146.31%

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

$8.72 zł 34.10

$6.14 Rp 111.6K

42.02%

Internet (50+ Mbps, Unlimited Data)

$12.70 zł 49.64

$18.92 Rp 343.4K

-32.88%

Gym Membership (Monthly)

$38.86 zł 152

$51.0 Rp 925.8K

-23.79%

Tennis Court (1 Hour on Weekend)

$20.46 zł 80.0

$18.25 Rp 331.3K

12.11%

Cinema Ticket

$5.12 zł 19.99

$4.38 Rp 79.6K

16.89%

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

$507 zł 1,979

$492 Rp 8.9M

2.86%

International Primary School, 1 Child (Yearly)

$13.6K zł 53.1K

$12.2K Rp 221.9M

11.12%

Jeans (Levis 501 Or Similar)

$73.3 zł 286

$45.16 Rp 819.9K

62.27%

Summer Dress (H&M, Zara, etc)

$40.00 zł 156

$34.89 Rp 633.4K

14.65%

Sport Shoes (Adidas, Nike)

$87.8 zł 343

$78.3 Rp 1.4M

12.07%

Men's Leather Business Shoes

$96.9 zł 379

$77.9 Rp 1.4M

24.39%

1-bedroom Apartment, City Center (Monthly)

$649 zł 2,535

$1,078 Rp 19.6M

-39.79%

1-bedroom Apartment, Outside City Center (Monthly)

$446 zł 1,742

$665 Rp 12.1M

-32.94%

3-bedroom Apartment, City Center (Monthly)

$1,098 zł 4,291

$3,510 Rp 63.7M

-68.72%

3-bedroom Apartment, Outside City Center (Monthly)

$819 zł 3,202

$1,671 Rp 30.3M

-50.97%

Buy Apartment in City Center (m2)

$2,947 zł 11.5K

$2,340 Rp 42.5M

25.92%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,660

$2,236 Rp 40.6M

-0.90%

Average Monthly Net Salary (After Tax)

$1,025 zł 4,005

$166 Rp 3.0M

516.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

13.78

-50.15%

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

Last update for Biala Podlaska: November 3, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Biala Podlaska

$446 34.8%

Ubud, Bali

$665 50% 49.1% $219

Groceries & Markets

Biala Podlaska

$217 17%

Ubud, Bali

$279 21% 28.6% $62

Monthly Utilities & Internet

Biala Podlaska

$212 16.6%

Ubud, Bali

$103 7.7% 51.7% $110

Eating Out

Biala Podlaska

$184 14.4%

Ubud, Bali

$106 8% 42.6% $78

Clothing & Footwear

Biala Podlaska

$134 10.5%

Ubud, Bali

$106 8% 20.7% $28

Sport & Entertainment

Biala Podlaska

$49 3.8%

Ubud, Bali

$60 4.5% 21.7% $11

Getting Around

Biala Podlaska

$39 3%

Ubud, Bali

$12 0.9% 69.3% $27

Cost Breakdown

A one-bedroom apartment in the center runs $649 in Biala Podlaska and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Biala Podlaska pays about 6.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $20 in Biala Podlaska vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $217 vs $279 per month, with Biala Podlaska cheaper across the board.

Good to know

🇵🇱 Biala Podlaska

🇮🇩 Ubud, Bali

🕒 Local time

00:49 12:49 AM

07:49 7:49 AM

7 h ahead of Biala Podlaska

🌤 Weather

👥 Population

56,760

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of November 4, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Biala Podlaska Ubud, Bali 10,900 km ≈ 14 h nonstop flight

From you

Biala Podlaska
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

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

Total monthly costs including rent come to $1,282 in Biala Podlaska and $1,331 in Ubud, Bali, so Biala Podlaska is about 4% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Biala Podlaska is about 6.2 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: $649 in Biala Podlaska versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $507 in Biala Podlaska versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Either city works on $2,000 a month, though Biala Podlaska gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.