Cost of Living Comparison Between Cambridge and Ubud, Bali Cost of Living Comparison Between Cambridge and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,082 in Cambridge versus $1,348 in Ubud, Bali.

Estimated couple costs with rent: $2,855 in Cambridge versus $2,312 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,627 in Cambridge versus $3,276 in Ubud, Bali.

Living in Cambridge is roughly 54% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Cambridge 55% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$14.02 NZ$24.93

$3.33 Rp 59.7K

321.02%

Three-Course Dinner for Two, Mid-Range

$66.4 NZ$118

$35.42 Rp 634.2K

87.52%

Fast Food Meal (McDonalds, etc)

$8.76 NZ$15.57

$5.76 Rp 103.1K

52.08%

Cappuccino

$3.40 NZ$6.05

$2.63 Rp 47.1K

29.28%

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

$2.00 NZ$3.55

$1.74 Rp 31.1K

14.94%

Water (0.33 liter bottle)

$1.92 NZ$3.41

$0.77 Rp 13.8K

149.35%

Local Beer (0.5 liter draught)

$6.01 NZ$10.68

$2.71 Rp 48.4K

121.77%

Imported Beer (0.33 liter bottle)

$6.68 NZ$11.87

$4.52 Rp 80.9K

47.79%

Milk (1 liter)

$1.58 NZ$2.80

$1.53 Rp 27.5K

3.27%

White Bread (500g)

$2.23 NZ$3.97

$2.20 Rp 39.3K

1.36%

Rice (white) (1kg)

$1.81 NZ$3.22

$1.22 Rp 21.8K

48.36%

Eggs

$6.22 NZ$11.05

$2.14 Rp 38.3K

190.65%

Local Cheese (1kg)

$8.64 NZ$15.36

$17.73 Rp 317.5K

-51.27%

Chicken Fillets (1kg)

$9.43 NZ$16.76

$3.86 Rp 69.0K

144.30%

Beef Round Steak (1kg)

$12.74 NZ$22.65

$12.03 Rp 215.3K

5.90%

Apples (1kg)

$2.55 NZ$4.53

$3.61 Rp 64.6K

-29.36%

Banana (1kg)

$2.19 NZ$3.90

$1.51 Rp 27.1K

45.03%

Oranges (1kg)

$2.91 NZ$5.17

$2.32 Rp 41.5K

25.43%

Tomato (1kg)

$5.74 NZ$10.20

$2.00 Rp 35.9K

187.00%

Potato (1kg)

$2.15 NZ$3.83

$1.81 Rp 32.4K

18.78%

Onion (1kg)

$1.51 NZ$2.69

$2.39 Rp 42.7K

-36.82%

Lettuce (1 head)

$2.28 NZ$4.05

$0.99 Rp 17.8K

130.30%

Water (1.5 liter bottle)

$1.09 NZ$1.94

$0.52 Rp 9,389

109.62%

Cigarettes 20 Pack (Marlboro, Camel)

$25.82 NZ$45.91

$2.18 Rp 39.1K

1084.40%

Wine (Bottle)

$10.13 NZ$18.02

$22.98 Rp 411.4K

-55.92%

Local Beer (0.5 liter bottle)

$3.40 NZ$6.04

$2.40 Rp 42.9K

41.67%

Imported Beer (0.33 liter bottle)

$3.81 NZ$6.77

$3.00 Rp 53.7K

27.00%

One-way Ticket (Public Transport)

$2.72 NZ$4.83

$0.24 Rp 4,262

1033.33%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.2K

Taxi Start (Normal Tariff)

$2.21 NZ$3.93

$0.44 Rp 7,889

402.27%

Taxi (Normal Tariff) (1km)

$2.02 NZ$3.58

$0.42 Rp 7,595

380.95%

Taxi 1hour Waiting (Normal Tariff)

$32.15 NZ$57.2

$5.45 Rp 97.6K

489.91%

Gasoline (1 liter)

$1.67 NZ$2.97

$0.84 Rp 15.1K

98.81%

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

$25.2K NZ$44.8K

$24.3K Rp 435.6M

3.55%

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

$22.2K NZ$39.5K

$31.9K Rp 571.0M

-30.34%

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

$100 NZ$178

$80.8 Rp 1.4M

23.91%

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

$26.80 NZ$47.65

$6.58 Rp 117.8K

307.29%

Internet (50+ Mbps, Unlimited Data)

$50.0 NZ$89.0

$18.24 Rp 326.6K

174.29%

Gym Membership (Monthly)

$55.1 Rp 987.1K

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.5K

Cinema Ticket

$14.00 NZ$24.88

$4.24 Rp 76.0K

230.19%

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

$665 NZ$1,183

$486 Rp 8.7M

37.03%

International Primary School, 1 Child (Yearly)

$19.4K NZ$34.4K

$5,676 Rp 101.6M

241.32%

Jeans (Levis 501 Or Similar)

$62.6 NZ$111

$45.18 Rp 809.0K

38.58%

Summer Dress (H&M, Zara, etc)

$37.22 NZ$66.2

$34.57 Rp 619.0K

7.67%

Sport Shoes (Adidas, Nike)

$94.6 NZ$168

$79.2 Rp 1.4M

19.46%

Men's Leather Business Shoes

$103 NZ$184

$77.6 Rp 1.4M

33.24%

1-bedroom Apartment, City Center (Monthly)

$573 NZ$1,019

$1,127 Rp 20.2M

-49.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,107 NZ$1,967

$674 Rp 12.1M

64.14%

3-bedroom Apartment, City Center (Monthly)

$1,197 NZ$2,128

$3,618 Rp 64.8M

-66.92%

3-bedroom Apartment, Outside City Center (Monthly)

$1,449 NZ$2,577

$1,735 Rp 31.1M

-16.45%

Buy Apartment in City Center (m2)

$4,500 NZ$8,001

$2,829 Rp 50.7M

59.07%

Buy Apartment Outside City Center (m2)

$3,934 NZ$6,995

$2,307 Rp 41.3M

70.56%

Average Monthly Net Salary (After Tax)

$2,567 NZ$4,564

$166 Rp 3.0M

1449.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-56.46%

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

Last update for Cambridge: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $573 in Cambridge and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cambridge pays 1449% 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: $66.0 in Cambridge vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $324 vs $290 per month, with Ubud, Bali cheaper across the board.

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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 54% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1449% higher in Cambridge, 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: $573 in Cambridge versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $665 in Cambridge versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $66.0 in Cambridge. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,348 in Ubud, Bali versus $2,082 in Cambridge, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cambridge. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Cambridge, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cambridge 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 54% less than in Cambridge. Beyond cost, consider language, visa policies, and how big the international community is in each city.