Last update: Oct 2026

Cost of Living Comparison Between Bialystok and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,461 in Bialystok, rent and utilities included – about $1,300 less a year. Other living expenses account for most of the difference.

71

Cost of Living Index in Bialystok
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Bialystok Living Index
66

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

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Bialystok

🇵🇱 Poland

$1,461

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $1,461 per month in Bialystok vs $1,353 in Ubud, Bali, rent included.

Bialystok $1,461
Ubud, Bali $1,353

A couple spends around $2,069 per month in Bialystok vs $2,297 in Ubud, Bali, rent included.

Bialystok $2,069
Ubud, Bali $2,297

A family of three spends $2,676 per month in Bialystok vs $3,241 in Ubud, Bali, rent included.

Bialystok $2,676
Ubud, Bali $3,241

Bialystok costs about 8% more than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both Bialystok and Ubud, Bali sit above the global median – Bialystok by 8%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$9.91 zł 38.49

$3.23 Rp 58.1K

206.81%

Three-Course Dinner for Two, Mid-Range

$45.57 zł 177

$34.88 Rp 627.8K

30.65%

Fast Food Meal (McDonalds, etc)

$8.85 zł 34.37

$5.70 Rp 102.5K

55.26%

Cappuccino

$3.55 zł 13.78

$2.62 Rp 47.1K

35.50%

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

$1.90 zł 7.40

$1.72 Rp 31.0K

10.47%

Water (0.33 liter bottle)

$1.51 zł 5.87

$0.81 Rp 14.6K

86.42%

Local Beer (0.5 liter draught)

$3.57 zł 13.88

$2.65 Rp 47.7K

34.72%

Imported Beer (0.33 liter bottle)

$3.03 zł 11.75

$4.37 Rp 78.6K

-30.66%

Milk (1 liter)

$1.06 zł 4.14

$1.57 Rp 28.3K

-32.48%

White Bread (500g)

$1.00 zł 3.88

$2.19 Rp 39.5K

-54.34%

Rice (white) (1kg)

$2.23 zł 8.65

$1.18 Rp 21.2K

88.98%

Eggs

$3.76 zł 14.59

$2.16 Rp 38.8K

74.07%

Local Cheese (1kg)

$9.39 zł 36.49

$17.65 Rp 317.7K

-46.80%

Chicken Fillets (1kg)

$5.62 zł 21.84

$3.78 Rp 68.0K

48.68%

Beef Round Steak (1kg)

$11.23 zł 43.61

$11.95 Rp 215.1K

-6.03%

Apples (1kg)

$1.24 zł 4.83

$3.60 Rp 64.8K

-65.56%

Banana (1kg)

$1.76 zł 6.84

$1.59 Rp 28.6K

10.69%

Oranges (1kg)

$1.59 zł 6.19

$2.31 Rp 41.6K

-31.17%

Tomato (1kg)

$2.03 zł 7.90

$1.91 Rp 34.3K

6.28%

Potato (1kg)

$1.06 zł 4.10

$1.78 Rp 32.1K

-40.45%

Onion (1kg)

$1.19 zł 4.61

$2.33 Rp 41.9K

-48.93%

Lettuce (1 head)

$1.17 zł 4.55

$1.00 Rp 18.0K

17.00%

Water (1.5 liter bottle)

$0.60 zł 2.35

$0.53 Rp 9,509

13.21%

Cigarettes 20 Pack (Marlboro, Camel)

$5.08 zł 19.75

$2.29 Rp 41.1K

121.83%

Wine (Bottle)

$6.12 zł 23.78

$22.07 Rp 397.3K

-72.27%

Local Beer (0.5 liter bottle)

$1.22 zł 4.73

$2.35 Rp 42.2K

-48.09%

Imported Beer (0.33 liter bottle)

$1.54 zł 5.97

$2.98 Rp 53.6K

-48.32%

One-way Ticket (Public Transport)

$1.07 zł 4.16

$0.23 Rp 4,112

365.22%

Public Transport Monthly Pass (Regular Price)

$33.47 zł 130

$8.90 Rp 160.2K

276.07%

Taxi Start (Normal Tariff)

$2.11 zł 8.19

$0.47 Rp 8,466

348.94%

Taxi (Normal Tariff) (1km)

$0.66 zł 2.55

$0.43 Rp 7,737

53.49%

Taxi 1hour Waiting (Normal Tariff)

$13.02 zł 50.6

$5.47 Rp 98.4K

138.03%

Gasoline (1 liter)

$1.62 zł 6.29

$0.83 Rp 14.9K

95.18%

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

$30.8K zł 119.8K

$23.9K Rp 429.8M

29.11%

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

$28.8K zł 112.0K

$32.8K Rp 590.1M

-12.06%

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

$299 zł 1,164

$80.0 Rp 1.4M

274.38%

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

$8.25 zł 32.05

$6.56 Rp 118.1K

25.76%

Internet (50+ Mbps, Unlimited Data)

$18.22 zł 70.8

$18.60 Rp 334.8K

-2.04%

Gym Membership (Monthly)

$41.41 zł 161

$54.1 Rp 974.1K

-23.48%

Tennis Court (1 Hour on Weekend)

$27.67 zł 108

$18.28 Rp 329.0K

51.37%

Cinema Ticket

$8.25 zł 32.07

$4.25 Rp 76.5K

94.12%

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

$351 zł 1,363

$493 Rp 8.9M

-28.78%

International Primary School, 1 Child (Yearly)

$4,337 zł 16.9K

$5,597 Rp 100.7M

-22.51%

Jeans (Levis 501 Or Similar)

$98.1 zł 381

$45.58 Rp 820.4K

115.23%

Summer Dress (H&M, Zara, etc)

$36.44 zł 142

$34.96 Rp 629.4K

4.23%

Sport Shoes (Adidas, Nike)

$87.1 zł 338

$77.7 Rp 1.4M

12.08%

Men's Leather Business Shoes

$88.4 zł 343

$78.5 Rp 1.4M

12.60%

1-bedroom Apartment, City Center (Monthly)

$544 zł 2,113

$1,131 Rp 20.4M

-51.94%

1-bedroom Apartment, Outside City Center (Monthly)

$502 zł 1,951

$673 Rp 12.1M

-25.39%

3-bedroom Apartment, City Center (Monthly)

$822 zł 3,194

$3,613 Rp 65.0M

-77.24%

3-bedroom Apartment, Outside City Center (Monthly)

$717 zł 2,786

$1,702 Rp 30.6M

-57.86%

Buy Apartment in City Center (m2)

$2,669 zł 10.4K

$2,717 Rp 48.9M

-1.76%

Buy Apartment Outside City Center (m2)

$2,324 zł 9,030

$2,241 Rp 40.3M

3.70%

Average Monthly Net Salary (After Tax)

$1,447 zł 5,622

$166 Rp 3.0M

769.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

13.78

-48.69%

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

Last update for Bialystok: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Bialystok

$502 34.4%

Ubud, Bali

$673 49.7% 34% $171

Monthly Utilities & Internet

Bialystok

$326 22.3%

Ubud, Bali

$105 7.8% 67.7% $221

Groceries & Markets

Bialystok

$207 14.2%

Ubud, Bali

$287 21.2% 38.9% $80

Eating Out

Bialystok

$186 12.7%

Ubud, Bali

$106 7.9% 42.8% $80

Clothing & Footwear

Bialystok

$140 9.6%

Ubud, Bali

$107 7.9% 23.6% $33

Sport & Entertainment

Bialystok

$58 4%

Ubud, Bali

$63 4.6% 8.1% $4.7

Getting Around

Bialystok

$43 3%

Ubud, Bali

$12 0.9% 71.2% $31

Cost Breakdown

A central one-bedroom costs $544 in Bialystok versus $1,131 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 770% higher in Bialystok, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $46.00 in Bialystok versus $35.00 in Ubud, Bali. Groceries tell a different story – $207 in Bialystok vs $287 in Ubud, Bali – so Bialystok wins on supermarket bills even if dining out costs more.

Good to know

🇵🇱 Bialystok

🇮🇩 Ubud, Bali

🕒 Local time

22:02 10:02 PM

04:02 4:02 AM

6 h ahead of Bialystok

🌤 Weather

👥 Population

297,554

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Bialystok Ubud, Bali 10,900 km ≈ 14 h nonstop flight

From you

Bialystok
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

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

Bialystok costs about 8% more than Ubud, Bali, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,192 per month in Bialystok and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $351 per month in Bialystok and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 39% cheaper in Bialystok – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in Bialystok at $1,461. In Ubud, Bali it covers expenses comfortably, while in Bialystok it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,353 versus $1,461 in Bialystok. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Bialystok makes more sense. Both are solid long-term options with distinct trade-offs.