Last update: Oct 2026

Cost of Living Comparison Between Bydgoszcz and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,461 in Bydgoszcz, 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 Bydgoszcz
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Bydgoszcz Living Index
66

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

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Bydgoszcz

🇵🇱 Poland

$1,461

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,461 in Bydgoszcz versus $1,353 in Ubud, Bali.

Bydgoszcz $1,461
Ubud, Bali $1,353

Estimated couple costs with rent: $2,221 in Bydgoszcz versus $2,297 in Ubud, Bali.

Bydgoszcz $2,221
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,981 in Bydgoszcz versus $3,241 in Ubud, Bali.

Bydgoszcz $2,981
Ubud, Bali $3,241

Living in Bydgoszcz is roughly 8% 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: Bydgoszcz 8% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$12.16 zł 47.25

$3.23 Rp 58.1K

276.47%

Three-Course Dinner for Two, Mid-Range

$63.0 zł 245

$34.88 Rp 627.8K

80.53%

Fast Food Meal (McDonalds, etc)

$7.78 zł 30.21

$5.70 Rp 102.5K

36.49%

Cappuccino

$3.42 zł 13.29

$2.62 Rp 47.1K

30.53%

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

$2.10 zł 8.17

$1.72 Rp 31.0K

22.09%

Water (0.33 liter bottle)

$1.70 zł 6.61

$0.81 Rp 14.6K

109.88%

Local Beer (0.5 liter draught)

$3.87 zł 15.02

$2.65 Rp 47.7K

46.04%

Imported Beer (0.33 liter bottle)

$3.67 zł 14.25

$4.37 Rp 78.6K

-16.02%

Milk (1 liter)

$1.04 zł 4.06

$1.57 Rp 28.3K

-33.76%

White Bread (500g)

$1.68 zł 6.54

$2.19 Rp 39.5K

-23.29%

Rice (white) (1kg)

$0.97 zł 3.77

$1.18 Rp 21.2K

-17.80%

Eggs

$3.86 zł 14.98

$2.16 Rp 38.8K

78.70%

Local Cheese (1kg)

$9.19 zł 35.72

$17.65 Rp 317.7K

-47.93%

Chicken Fillets (1kg)

$6.94 zł 26.95

$3.78 Rp 68.0K

83.60%

Beef Round Steak (1kg)

$11.97 zł 46.52

$11.95 Rp 215.1K

0.17%

Apples (1kg)

$1.36 zł 5.30

$3.60 Rp 64.8K

-62.22%

Banana (1kg)

$1.69 zł 6.56

$1.59 Rp 28.6K

6.29%

Oranges (1kg)

$1.54 zł 6.00

$2.31 Rp 41.6K

-33.33%

Tomato (1kg)

$3.17 zł 12.30

$1.91 Rp 34.3K

65.97%

Potato (1kg)

$0.93 zł 3.62

$1.78 Rp 32.1K

-47.75%

Onion (1kg)

$1.32 zł 5.12

$2.33 Rp 41.9K

-43.35%

Lettuce (1 head)

$1.13 zł 4.38

$1.00 Rp 18.0K

13.00%

Water (1.5 liter bottle)

$0.66 zł 2.57

$0.53 Rp 9,509

24.53%

Cigarettes 20 Pack (Marlboro, Camel)

$5.67 zł 22.02

$2.29 Rp 41.1K

147.60%

Wine (Bottle)

$8.13 zł 31.59

$22.07 Rp 397.3K

-63.16%

Local Beer (0.5 liter bottle)

$1.07 zł 4.16

$2.35 Rp 42.2K

-54.47%

Imported Beer (0.33 liter bottle)

$1.43 zł 5.55

$2.98 Rp 53.6K

-52.01%

One-way Ticket (Public Transport)

$0.95 zł 3.71

$0.23 Rp 4,112

313.04%

Public Transport Monthly Pass (Regular Price)

$27.75 zł 108

$8.90 Rp 160.2K

211.80%

Taxi Start (Normal Tariff)

$2.14 zł 8.30

$0.47 Rp 8,466

355.32%

Taxi (Normal Tariff) (1km)

$0.78 zł 3.04

$0.43 Rp 7,737

81.40%

Taxi 1hour Waiting (Normal Tariff)

$10.08 zł 39.18

$5.47 Rp 98.4K

84.28%

Gasoline (1 liter)

$1.55 zł 6.03

$0.83 Rp 14.9K

86.75%

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

$30.7K zł 119.2K

$23.9K Rp 429.8M

28.45%

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

$29.7K zł 115.2K

$32.8K Rp 590.1M

-9.53%

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

$282 zł 1,095

$80.0 Rp 1.4M

252.31%

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

$7.93 zł 30.83

$6.56 Rp 118.1K

20.88%

Internet (50+ Mbps, Unlimited Data)

$18.87 zł 73.3

$18.60 Rp 334.8K

1.45%

Gym Membership (Monthly)

$39.69 zł 154

$54.1 Rp 974.1K

-26.66%

Tennis Court (1 Hour on Weekend)

$16.79 zł 65.2

$18.28 Rp 329.0K

-8.15%

Cinema Ticket

$7.71 zł 29.97

$4.25 Rp 76.5K

81.41%

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

$329 zł 1,278

$493 Rp 8.9M

-33.23%

International Primary School, 1 Child (Yearly)

$5,120 zł 19.9K

$5,597 Rp 100.7M

-8.53%

Jeans (Levis 501 Or Similar)

$82.1 zł 319

$45.58 Rp 820.4K

80.14%

Summer Dress (H&M, Zara, etc)

$36.18 zł 141

$34.96 Rp 629.4K

3.49%

Sport Shoes (Adidas, Nike)

$89.4 zł 347

$77.7 Rp 1.4M

15.07%

Men's Leather Business Shoes

$101 zł 392

$78.5 Rp 1.4M

28.54%

1-bedroom Apartment, City Center (Monthly)

$678 zł 2,633

$1,131 Rp 20.4M

-40.10%

1-bedroom Apartment, Outside City Center (Monthly)

$491 zł 1,907

$673 Rp 12.1M

-27.05%

3-bedroom Apartment, City Center (Monthly)

$1,116 zł 4,336

$3,613 Rp 65.0M

-69.11%

3-bedroom Apartment, Outside City Center (Monthly)

$896 zł 3,481

$1,702 Rp 30.6M

-47.35%

Buy Apartment in City Center (m2)

$2,864 zł 11.1K

$2,717 Rp 48.9M

5.41%

Buy Apartment Outside City Center (m2)

$2,164 zł 8,409

$2,241 Rp 40.3M

-3.42%

Average Monthly Net Salary (After Tax)

$1,497 zł 5,817

$166 Rp 3.0M

799.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

13.78

-50.00%

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

Last update for Bydgoszcz: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Bydgoszcz

$491 33.6%

Ubud, Bali

$673 49.7% 37.1% $182

Monthly Utilities & Internet

Bydgoszcz

$309 21.1%

Ubud, Bali

$105 7.8% 65.9% $203

Groceries & Markets

Bydgoszcz

$226 15.5%

Ubud, Bali

$287 21.2% 27% $61

Eating Out

Bydgoszcz

$204 13.9%

Ubud, Bali

$106 7.9% 47.7% $97

Clothing & Footwear

Bydgoszcz

$139 9.5%

Ubud, Bali

$107 7.9% 23.3% $32

Sport & Entertainment

Bydgoszcz

$55 3.8%

Ubud, Bali

$63 4.6% 13.6% $7.5

Getting Around

Bydgoszcz

$38 2.6%

Ubud, Bali

$12 0.9% 67% $25

Cost Breakdown

A one-bedroom apartment in the center runs $678 in Bydgoszcz and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Bydgoszcz pays 800% 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: $63.0 in Bydgoszcz vs $35.00 in Ubud, Bali. Groceries flip the comparison at $226 vs $287, with Bydgoszcz cheaper for home cooking.

Good to know

🇵🇱 Bydgoszcz

🇮🇩 Ubud, Bali

🕒 Local time

14:36 2:36 PM

20:36 8:36 PM

6 h ahead of Bydgoszcz

🌤 Weather

👥 Population

359,428

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

Bydgoszcz Ubud, Bali 11,250 km ≈ 15 h nonstop flight

From you

Bydgoszcz
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

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

Ubud, Bali wins on cost – living expenses run 8% lower than in Bydgoszcz. 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 800% higher in Bydgoszcz, 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: $678 in Bydgoszcz versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $329 in Bydgoszcz versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Bydgoszcz pay roughly 27% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $1,461 in Bydgoszcz, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Bydgoszcz. 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 $1,353 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Bydgoszcz 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 8% less than in Bydgoszcz. Beyond cost, consider language, visa policies, and how big the international community is in each city.