Last update: Oct 2026

Cost of Living Comparison Between Cardiff and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,454 in Cardiff, rent and utilities included – about $13,000 less a year. Rent and utilities account for most of the difference.

119

Cost of Living Index in Cardiff
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Cardiff Living Index
67

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

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Cardiff

🇬🇧 United Kingdom

$2,454

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,454 in Cardiff versus $1,368 in Ubud, Bali.

Cardiff $2,454
Ubud, Bali $1,368

Estimated couple costs with rent: $3,414 in Cardiff versus $2,314 in Ubud, Bali.

Cardiff $3,414
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,373 in Cardiff versus $3,260 in Ubud, Bali.

Cardiff $4,373
Ubud, Bali $3,260

Living in Cardiff is roughly 79% 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: Cardiff 82% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$20.04 £15.04

$3.33 Rp 59.9K

501.80%

Three-Course Dinner for Two, Mid-Range

$83.4 £62.6

$35.18 Rp 633.2K

137.12%

Fast Food Meal (McDonalds, etc)

$10.74 £8.06

$5.80 Rp 104.5K

85.17%

Cappuccino

$4.45 £3.34

$2.73 Rp 49.1K

63.00%

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

$2.92 £2.19

$1.64 Rp 29.5K

78.05%

Water (0.33 liter bottle)

$2.00 £1.50

$0.83 Rp 15.0K

140.96%

Local Beer (0.5 liter draught)

$7.80 £5.85

$2.70 Rp 48.6K

188.89%

Imported Beer (0.33 liter bottle)

$6.32 £4.74

$4.30 Rp 77.4K

46.98%

Milk (1 liter)

$1.72 £1.29

$1.50 Rp 27.1K

14.67%

White Bread (500g)

$1.43 £1.07

$2.30 Rp 41.4K

-37.83%

Rice (white) (1kg)

$2.15 £1.61

$1.18 Rp 21.2K

82.20%

Eggs

$3.62 £2.72

$2.14 Rp 38.6K

69.16%

Local Cheese (1kg)

$9.47 £7.11

$17.48 Rp 314.6K

-45.82%

Chicken Fillets (1kg)

$8.85 £6.64

$4.03 Rp 72.5K

119.60%

Beef Round Steak (1kg)

$16.18 £12.14

$12.23 Rp 220.1K

32.30%

Apples (1kg)

$2.80 £2.10

$3.55 Rp 63.9K

-21.13%

Banana (1kg)

$1.55 £1.16

$1.57 Rp 28.3K

-1.27%

Oranges (1kg)

$3.03 £2.28

$2.24 Rp 40.2K

35.27%

Tomato (1kg)

$3.51 £2.63

$1.93 Rp 34.7K

81.87%

Potato (1kg)

$1.99 £1.50

$1.88 Rp 33.9K

5.85%

Onion (1kg)

$1.54 £1.15

$2.29 Rp 41.3K

-32.75%

Lettuce (1 head)

$1.09 £0.82

$0.99 Rp 17.9K

10.10%

Water (1.5 liter bottle)

$1.64 £1.23

$0.53 Rp 9,475

209.43%

Cigarettes 20 Pack (Marlboro, Camel)

$23.08 £17.31

$2.28 Rp 41.1K

912.28%

Wine (Bottle)

$11.07 £8.31

$23.01 Rp 414.2K

-51.89%

Local Beer (0.5 liter bottle)

$3.05 £2.29

$2.34 Rp 42.2K

30.34%

Imported Beer (0.33 liter bottle)

$3.31 £2.48

$2.91 Rp 52.4K

13.75%

One-way Ticket (Public Transport)

$3.21 £2.41

$0.24 Rp 4,315

1237.50%

Public Transport Monthly Pass (Regular Price)

$79.1 £59.3

$8.82 Rp 158.7K

796.49%

Taxi Start (Normal Tariff)

$4.58 £3.44

$0.48 Rp 8,684

854.17%

Taxi (Normal Tariff) (1km)

$1.66 £1.25

$0.46 Rp 8,233

260.87%

Taxi 1hour Waiting (Normal Tariff)

$35.87 £26.91

$5.45 Rp 98.2K

558.17%

Gasoline (1 liter)

$2.06 £1.55

$0.88 Rp 15.9K

134.09%

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

$37.9K £28.4K

$24.6K Rp 442.2M

54.07%

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

$40.9K £30.7K

$31.2K Rp 561.4M

31.03%

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

$335 £252

$83.0 Rp 1.5M

304.06%

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

$25.35 £19.02

$6.45 Rp 116.0K

293.02%

Internet (50+ Mbps, Unlimited Data)

$43.54 £32.67

$18.57 Rp 334.2K

134.46%

Gym Membership (Monthly)

$37.26 £27.95

$55.8 Rp 1.0M

-33.25%

Tennis Court (1 Hour on Weekend)

$11.37 £8.53

$18.11 Rp 326.0K

-37.22%

Cinema Ticket

$10.36 £7.77

$4.38 Rp 78.9K

136.53%

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

$1,990 £1,493

$493 Rp 8.9M

303.58%

International Primary School, 1 Child (Yearly)

$32.5K £24.4K

$5,754 Rp 103.6M

465.41%

Jeans (Levis 501 Or Similar)

$97.8 £73.4

$46.19 Rp 831.4K

111.69%

Summer Dress (H&M, Zara, etc)

$48.54 £36.41

$35.33 Rp 636.0K

37.39%

Sport Shoes (Adidas, Nike)

$116 £86.9

$79.1 Rp 1.4M

46.49%

Men's Leather Business Shoes

$99.4 £74.6

$78.4 Rp 1.4M

26.85%

1-bedroom Apartment, City Center (Monthly)

$1,168 £876

$1,142 Rp 20.6M

2.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,102 £826

$676 Rp 12.2M

63.04%

3-bedroom Apartment, City Center (Monthly)

$2,136 £1,602

$3,503 Rp 63.1M

-39.03%

3-bedroom Apartment, Outside City Center (Monthly)

$1,482 £1,112

$1,700 Rp 30.6M

-12.83%

Buy Apartment in City Center (m2)

$5,255 £3,942

$2,784 Rp 50.1M

88.76%

Buy Apartment Outside City Center (m2)

$3,432 £2,575

$2,241 Rp 40.3M

53.17%

Average Monthly Net Salary (After Tax)

$3,179 £2,385

$165 Rp 3.0M

1831.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.11

13.78

-62.92%

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

Last update for Cardiff: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cardiff

$1.1K 44.9%

Ubud, Bali

$676 49.4% 38.7% $426

Monthly Utilities & Internet

Cardiff

$404 16.5%

Ubud, Bali

$108 7.9% 73.3% $296

Eating Out

Cardiff

$317 12.9%

Ubud, Bali

$109 8% 65.7% $208

Groceries & Markets

Cardiff

$306 12.5%

Ubud, Bali

$290 21.2% 5% $15

Clothing & Footwear

Cardiff

$163 6.6%

Ubud, Bali

$108 7.9% 33.9% $55

Getting Around

Cardiff

$105 4.3%

Ubud, Bali

$13 0.9% 88% $92

Sport & Entertainment

Cardiff

$58 2.4%

Ubud, Bali

$65 4.7% 11.4% $6.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,168 in Cardiff and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cardiff pays 1832% 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: $83.0 in Cardiff vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $306 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Cardiff

🇮🇩 Ubud, Bali

🕒 Local time

20:37 8:37 PM

03:37 3:37 AM

7 h ahead of Cardiff

🌤 Weather

👥 Population

346,100

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Indonesian Rupiah exchange rates as of October 18, 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 GBP in detail →

On the map

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Highest

Between locations

Cardiff Ubud, Bali 12,690 km ≈ 16 h nonstop flight

From you

Cardiff
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

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

Cardiff and Ubud, Bali differ by about 79% in total monthly costs ($2,454 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1832% higher in Cardiff, 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: $1,168 in Cardiff versus $1,142 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 $35.00 versus $83.0 in Cardiff. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,454 per month in Cardiff versus $1,368 in Ubud, Bali – a 79% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,454 in Cardiff, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cardiff. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, Cardiff 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 79% less than in Cardiff. Beyond cost, consider language, visa policies, and how big the international community is in each city.