Last update: Nov 2026

Cost of Living Comparison Between Caldwell, TX and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,429 in Caldwell, TX, rent and utilities included – about $13,200 less a year. Rent and utilities account for most of the difference.

117

Cost of Living Index in Caldwell, TX
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Caldwell, TX Living Index
64

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

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Caldwell, TX

🇺🇸 United States

$2,429

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,429 in Caldwell, TX versus $1,331 in Ubud, Bali.

Caldwell, TX $2,429
Ubud, Bali $1,331

Estimated couple costs with rent: $3,559 in Caldwell, TX versus $2,255 in Ubud, Bali.

Caldwell, TX $3,559
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $4,690 in Caldwell, TX versus $3,180 in Ubud, Bali.

Caldwell, TX $4,690
Ubud, Bali $3,180

Living in Caldwell, TX is roughly 82% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Caldwell, TX is 80% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$15.74 $15.74

$3.38 Rp 61.2K

365.68%

Three-Course Dinner for Two, Mid-Range

$61.0 $61.0

$34.65 Rp 628.6K

76.08%

Fast Food Meal (McDonalds, etc)

$9.85 $9.85

$5.57 Rp 101.1K

76.84%

Cappuccino

$4.05 $4.05

$2.62 Rp 47.5K

54.58%

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

$1.49 $1.49

$1.54 Rp 27.9K

-3.25%

Water (0.33 liter bottle)

$1.69 $1.69

$0.64 Rp 11.6K

164.06%

Local Beer (0.5 liter draught)

$5.12 $5.12

$2.67 Rp 48.4K

91.76%

Imported Beer (0.33 liter bottle)

$5.86 $5.86

$4.26 Rp 77.3K

37.56%

Milk (1 liter)

$0.78 $0.78

$1.46 Rp 26.5K

-46.58%

White Bread (500g)

$2.82 $2.82

$2.29 Rp 41.6K

23.14%

Rice (white) (1kg)

$3.83 $3.83

$1.11 Rp 20.1K

245.05%

Eggs

$2.94 $2.94

$2.10 Rp 38.1K

40.00%

Local Cheese (1kg)

$10.98 $10.98

$15.94 Rp 289.2K

-31.12%

Chicken Fillets (1kg)

$15.73 $15.73

$3.88 Rp 70.4K

305.41%

Beef Round Steak (1kg)

$24.51 $24.51

$11.40 Rp 206.8K

115.00%

Apples (1kg)

$4.31 $4.31

$3.55 Rp 64.4K

21.41%

Banana (1kg)

$1.70 $1.70

$1.54 Rp 27.9K

10.39%

Oranges (1kg)

$4.53 $4.53

$2.23 Rp 40.5K

103.14%

Tomato (1kg)

$2.71 $2.71

$1.97 Rp 35.8K

37.56%

Potato (1kg)

$2.17 $2.17

$1.86 Rp 33.7K

16.67%

Onion (1kg)

$1.70 $1.70

$2.42 Rp 43.9K

-29.75%

Lettuce (1 head)

$1.99 $1.99

$1.02 Rp 18.6K

95.10%

Water (1.5 liter bottle)

$2.03 $2.03

$0.52 Rp 9,475

290.38%

Cigarettes 20 Pack (Marlboro, Camel)

$10.87 $10.87

$2.20 Rp 39.9K

394.09%

Wine (Bottle)

$10.31 $10.31

$21.79 Rp 395.2K

-52.68%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.33 Rp 42.2K

-27.47%

Imported Beer (0.33 liter bottle)

$3.93 $3.93

$2.97 Rp 53.9K

32.32%

One-way Ticket (Public Transport)

$2.26 $2.26

$0.25 Rp 4,542

804.00%

Public Transport Monthly Pass (Regular Price)

$65.6 $65.6

$8.17 Rp 148.3K

702.57%

Taxi Start (Normal Tariff)

$3.30 $3.30

$0.44 Rp 7,941

650.00%

Taxi (Normal Tariff) (1km)

$1.82 $1.82

$0.47 Rp 8,489

287.23%

Taxi 1hour Waiting (Normal Tariff)

$33.14 $33.14

$5.60 Rp 101.6K

491.79%

Gasoline (1 liter)

$0.97 $0.97

$0.83 Rp 15.0K

16.87%

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

$32.0K $32.0K

$24.4K Rp 443.5M

30.71%

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

$25.2K $25.2K

$31.7K Rp 575.0M

-20.40%

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

$168 $168

$77.5 Rp 1.4M

116.47%

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

$25.05 $25.05

$6.14 Rp 111.5K

307.98%

Internet (50+ Mbps, Unlimited Data)

$67.0 $67.0

$18.92 Rp 343.1K

254.02%

Gym Membership (Monthly)

$39.94 $39.94

$51.0 Rp 925.0K

-21.67%

Tennis Court (1 Hour on Weekend)

$9.89 $9.89

$18.25 Rp 331.0K

-45.81%

Cinema Ticket

$14.93 $14.93

$4.38 Rp 79.5K

240.87%

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

$1,518 $1,518

$492 Rp 8.9M

208.19%

International Primary School, 1 Child (Yearly)

$24.9K $24.9K

$12.2K Rp 221.7M

103.66%

Jeans (Levis 501 Or Similar)

$22.27 $22.27

$45.16 Rp 819.2K

-50.69%

Summer Dress (H&M, Zara, etc)

$54.6 $54.6

$34.89 Rp 632.9K

56.46%

Sport Shoes (Adidas, Nike)

$65.0 $65.0

$78.3 Rp 1.4M

-17.07%

Men's Leather Business Shoes

$96.0 $96.0

$77.9 Rp 1.4M

23.32%

1-bedroom Apartment, City Center (Monthly)

$1,578 $1,578

$1,078 Rp 19.5M

46.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,260 $1,260

$665 Rp 12.1M

89.51%

3-bedroom Apartment, City Center (Monthly)

$2,590 $2,590

$3,510 Rp 63.7M

-26.22%

3-bedroom Apartment, Outside City Center (Monthly)

$2,113 $2,113

$1,671 Rp 30.3M

26.43%

Buy Apartment in City Center (m2)

$2,872 $2,872

$2,340 Rp 42.4M

22.71%

Buy Apartment Outside City Center (m2)

$2,318 $2,318

$2,236 Rp 40.6M

3.68%

Average Monthly Net Salary (After Tax)

$1,325 $1,325

$166 Rp 3.0M

696.81%

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 Caldwell, TX: 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

Caldwell, TX

$1.3K 51.9%

Ubud, Bali

$665 50% 47.2% $595

Groceries & Markets

Caldwell, TX

$391 16.1%

Ubud, Bali

$279 21% 28.5% $111

Monthly Utilities & Internet

Caldwell, TX

$260 10.7%

Ubud, Bali

$103 7.7% 60.5% $157

Eating Out

Caldwell, TX

$254 10.5%

Ubud, Bali

$106 8% 58.4% $148

Clothing & Footwear

Caldwell, TX

$107 4.4%

Ubud, Bali

$106 8% 0.7% $0.7

Getting Around

Caldwell, TX

$87 3.6%

Ubud, Bali

$12 0.9% 86.3% $75

Sport & Entertainment

Caldwell, TX

$70 2.9%

Ubud, Bali

$60 4.5% 14.4% $10

Cost Breakdown

A one-bedroom apartment in the center runs $1,578 in Caldwell, TX and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Caldwell, TX pays about 8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $61 in Caldwell, TX vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $391 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Caldwell, TX

🇮🇩 Ubud, Bali

🕒 Local time

16:29 4:29 PM

06:29 6:29 AM

14 h ahead of Caldwell, TX

🌤 Weather

👥 Population

59,996

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.894 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 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 November 3, 2026: 1 EUR = 1.12 USD (1 USD = 0.894 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

IDR to USD in detail →

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Between locations

Caldwell, TX Ubud, Bali 15,890 km ≈ 20 h nonstop flight

From you

Caldwell, TX
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

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

Ubud, Bali wins on cost – living expenses run 45% lower than in Caldwell, TX. 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 in Caldwell, TX is about 8 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: $1,578 in Caldwell, TX versus $1,078 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 versus $61 in Caldwell, TX. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,429 per month in Caldwell, TX versus $1,331 in Ubud, Bali – Ubud, Bali is about 45% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Caldwell, TX and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 45% less than in Caldwell, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.