Last update: Oct 2026

Cost of Living Comparison Between Carmarthen and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,382 in Carmarthen, rent and utilities included – about $12,400 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Carmarthen
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Carmarthen Living Index
65

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

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Carmarthen

🇬🇧 United Kingdom

$2,382

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,382 in Carmarthen versus $1,349 in Ubud, Bali.

Carmarthen $2,382
Ubud, Bali $1,349

Estimated couple costs with rent: $3,134 in Carmarthen versus $2,305 in Ubud, Bali.

Carmarthen $3,134
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,886 in Carmarthen versus $3,261 in Ubud, Bali.

Carmarthen $3,886
Ubud, Bali $3,261

Living in Carmarthen is roughly 77% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$23.98 £17.91

$3.32 Rp 60.3K

622.29%

Three-Course Dinner for Two, Mid-Range

$66.6 £49.78

$35.64 Rp 646.5K

86.95%

Fast Food Meal (McDonalds, etc)

$9.13 £6.82

$5.53 Rp 100.4K

65.10%

Cappuccino

$3.45 £2.58

$2.72 Rp 49.3K

26.84%

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

$2.54 £1.90

$1.70 Rp 30.9K

49.41%

Water (0.33 liter bottle)

$1.64 £1.22

$0.76 Rp 13.8K

115.79%

Local Beer (0.5 liter draught)

$5.46 £4.08

$2.65 Rp 48.1K

106.04%

Imported Beer (0.33 liter bottle)

$4.65 £3.47

$4.38 Rp 79.5K

6.16%

Milk (1 liter)

$1.56 £1.16

$1.49 Rp 27.0K

4.70%

White Bread (500g)

$1.13 £0.84

$2.28 Rp 41.3K

-50.44%

Rice (white) (1kg)

$2.01 £1.50

$1.19 Rp 21.6K

68.91%

Eggs

$4.30 £3.22

$2.04 Rp 36.9K

110.78%

Local Cheese (1kg)

$8.06 £6.02

$17.70 Rp 321.1K

-54.46%

Chicken Fillets (1kg)

$9.51 £7.11

$3.96 Rp 71.9K

140.15%

Beef Round Steak (1kg)

$13.24 £9.89

$12.19 Rp 221.1K

8.61%

Apples (1kg)

$3.10 £2.32

$3.66 Rp 66.3K

-15.30%

Banana (1kg)

$1.79 £1.34

$1.52 Rp 27.5K

17.76%

Oranges (1kg)

$2.71 £2.03

$2.23 Rp 40.4K

21.52%

Tomato (1kg)

$4.12 £3.08

$1.97 Rp 35.8K

109.14%

Potato (1kg)

$2.15 £1.61

$1.85 Rp 33.5K

16.22%

Onion (1kg)

$1.48 £1.11

$2.42 Rp 44.0K

-38.84%

Lettuce (1 head)

$1.21 £0.90

$0.99 Rp 18.0K

22.22%

Water (1.5 liter bottle)

$2.00 £1.49

$0.51 Rp 9,313

292.16%

Cigarettes 20 Pack (Marlboro, Camel)

$23.26 £17.38

$2.22 Rp 40.3K

947.75%

Wine (Bottle)

$10.49 £7.84

$22.24 Rp 403.4K

-52.83%

Local Beer (0.5 liter bottle)

$2.80 £2.10

$2.26 Rp 41.0K

23.89%

Imported Beer (0.33 liter bottle)

$3.65 £2.72

$2.97 Rp 53.9K

22.90%

One-way Ticket (Public Transport)

$4.47 £3.34

$0.25 Rp 4,553

1688.00%

Public Transport Monthly Pass (Regular Price)

$96.9 £72.4

$7.82 Rp 141.9K

1139.64%

Taxi Start (Normal Tariff)

$3.45 £2.57

$0.44 Rp 7,972

684.09%

Taxi (Normal Tariff) (1km)

$1.63 £1.21

$0.43 Rp 7,801

279.07%

Taxi 1hour Waiting (Normal Tariff)

$26.28 £19.64

$5.41 Rp 98.1K

385.77%

Gasoline (1 liter)

$1.90 £1.42

$0.82 Rp 15.0K

131.71%

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

$38.3K £28.6K

$23.8K Rp 432.4M

60.52%

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

$41.0K £30.6K

$31.7K Rp 575.9M

29.12%

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

$322 £240

$79.1 Rp 1.4M

306.96%

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

$17.31 £12.93

$6.45 Rp 116.9K

168.37%

Internet (50+ Mbps, Unlimited Data)

$39.42 £29.45

$18.58 Rp 337.0K

112.16%

Gym Membership (Monthly)

$47.09 £35.18

$49.48 Rp 897.5K

-4.83%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$13.86 £10.35

$4.27 Rp 77.5K

224.59%

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

$2,291 £1,711

$491 Rp 8.9M

366.98%

International Primary School, 1 Child (Yearly)

$25.6K £19.1K

$5,674 Rp 102.9M

350.68%

Jeans (Levis 501 Or Similar)

$100 £75.0

$44.64 Rp 809.7K

124.87%

Summer Dress (H&M, Zara, etc)

$47.79 £35.70

$34.95 Rp 634.0K

36.74%

Sport Shoes (Adidas, Nike)

$109 £81.5

$79.9 Rp 1.4M

36.46%

Men's Leather Business Shoes

$99.5 £74.3

$79.4 Rp 1.4M

25.22%

1-bedroom Apartment, City Center (Monthly)

$1,235 £923

$1,125 Rp 20.4M

9.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,026 £766

$671 Rp 12.2M

52.78%

3-bedroom Apartment, City Center (Monthly)

$1,248 £933

$3,565 Rp 64.7M

-64.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,049 £784

$1,723 Rp 31.3M

-39.13%

Buy Apartment in City Center (m2)

$5,005 £3,739

$2,732 Rp 49.5M

83.24%

Buy Apartment Outside City Center (m2)

$3,818 £2,852

$2,284 Rp 41.4M

67.15%

Average Monthly Net Salary (After Tax)

$1,958 £1,463

$164 Rp 3.0M

1094.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.87

13.78

-64.66%

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

Last update for Carmarthen: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Carmarthen

$1K 43.1%

Ubud, Bali

$672 49.8% 34.5% $354

Monthly Utilities & Internet

Carmarthen

$378 15.9%

Ubud, Bali

$104 7.7% 72.5% $274

Eating Out

Carmarthen

$314 13.2%

Ubud, Bali

$108 8% 65.7% $206

Groceries & Markets

Carmarthen

$302 12.7%

Ubud, Bali

$288 21.4% 4.4% $13

Clothing & Footwear

Carmarthen

$160 6.7%

Ubud, Bali

$108 8% 33% $53

Getting Around

Carmarthen

$126 5.3%

Ubud, Bali

$11 0.9% 91% $115

Sport & Entertainment

Carmarthen

$75 3.1%

Ubud, Bali

$58 4.3% 22.4% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,235 in Carmarthen and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Carmarthen pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $67 in Carmarthen vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $302 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Carmarthen

🇮🇩 Ubud, Bali

🕒 Local time

02:28 2:28 AM

10:28 10:28 AM

8 h ahead of Carmarthen

🌤 Weather

👥 Population

14,185

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.34 USD

1 GBP = 1.2 EUR

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 0.747 GBP (1 GBP = 1.34 USD). 1 EUR = 0.834 GBP (1 GBP = 1.2 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to GBP in detail →

On the map

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Highest

Between locations

Carmarthen Ubud, Bali 12,750 km ≈ 16 h nonstop flight

From you

Carmarthen
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

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

Ubud, Bali is about 43% cheaper overall, especially in eating out, transport, and clothing. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Carmarthen is about 12 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: $1,235 in Carmarthen versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Carmarthen. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $67 in Carmarthen. If you eat out regularly, this makes a real dent in your monthly spending.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 43% less than in Carmarthen. Beyond cost, consider language, visa policies, and how big the international community is in each city.