Last update: Oct 2026

Cost of Living Comparison Between Cheltenham and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,327 in Cheltenham, rent and utilities included – about $11,500 less a year. Rent and utilities account for about half of the difference.

113

Cost of Living Index in Cheltenham
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Cheltenham Living Index
67

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

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Cheltenham

🇬🇧 United Kingdom

$2,327

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,327 in Cheltenham versus $1,368 in Ubud, Bali.

Cheltenham $2,327
Ubud, Bali $1,368

Estimated couple costs with rent: $3,528 in Cheltenham versus $2,314 in Ubud, Bali.

Cheltenham $3,528
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,729 in Cheltenham versus $3,260 in Ubud, Bali.

Cheltenham $4,729
Ubud, Bali $3,260

Living in Cheltenham is roughly 70% 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: Cheltenham 72% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$23.67 £17.75

$3.33 Rp 59.9K

610.81%

Three-Course Dinner for Two, Mid-Range

$105 £79.1

$35.18 Rp 633.2K

199.52%

Fast Food Meal (McDonalds, etc)

$11.03 £8.28

$5.80 Rp 104.5K

90.17%

Cappuccino

$4.89 £3.67

$2.73 Rp 49.1K

79.12%

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

$2.56 £1.92

$1.64 Rp 29.5K

56.10%

Water (0.33 liter bottle)

$1.74 £1.31

$0.83 Rp 15.0K

109.64%

Local Beer (0.5 liter draught)

$7.76 £5.82

$2.70 Rp 48.6K

187.41%

Imported Beer (0.33 liter bottle)

$6.54 £4.91

$4.30 Rp 77.4K

52.09%

Milk (1 liter)

$1.73 £1.30

$1.50 Rp 27.1K

15.33%

White Bread (500g)

$1.71 £1.29

$2.30 Rp 41.4K

-25.65%

Rice (white) (1kg)

$1.99 £1.49

$1.18 Rp 21.2K

68.64%

Eggs

$4.43 £3.33

$2.14 Rp 38.6K

107.01%

Local Cheese (1kg)

$8.19 £6.15

$17.48 Rp 314.6K

-53.15%

Chicken Fillets (1kg)

$9.59 £7.19

$4.03 Rp 72.5K

137.97%

Beef Round Steak (1kg)

$13.09 £9.82

$12.23 Rp 220.1K

7.03%

Apples (1kg)

$3.10 £2.32

$3.55 Rp 63.9K

-12.68%

Banana (1kg)

$1.43 £1.07

$1.57 Rp 28.3K

-8.92%

Oranges (1kg)

$1.93 £1.45

$2.24 Rp 40.2K

-13.84%

Tomato (1kg)

$3.49 £2.62

$1.93 Rp 34.7K

80.83%

Potato (1kg)

$1.52 £1.14

$1.88 Rp 33.9K

-19.15%

Onion (1kg)

$1.51 £1.13

$2.29 Rp 41.3K

-34.06%

Lettuce (1 head)

$1.21 £0.91

$0.99 Rp 17.9K

22.22%

Water (1.5 liter bottle)

$1.42 £1.07

$0.53 Rp 9,475

167.92%

Cigarettes 20 Pack (Marlboro, Camel)

$23.12 £17.35

$2.28 Rp 41.1K

914.04%

Wine (Bottle)

$10.63 £7.98

$23.01 Rp 414.2K

-53.80%

Local Beer (0.5 liter bottle)

$2.86 £2.15

$2.34 Rp 42.2K

22.22%

Imported Beer (0.33 liter bottle)

$2.93 £2.20

$2.91 Rp 52.4K

0.69%

One-way Ticket (Public Transport)

$3.44 £2.58

$0.24 Rp 4,315

1333.33%

Public Transport Monthly Pass (Regular Price)

$92.5 £69.4

$8.82 Rp 158.7K

948.64%

Taxi Start (Normal Tariff)

$3.53 £2.65

$0.48 Rp 8,684

635.42%

Taxi (Normal Tariff) (1km)

$1.64 £1.23

$0.46 Rp 8,233

256.52%

Taxi 1hour Waiting (Normal Tariff)

$26.85 £20.14

$5.45 Rp 98.2K

392.66%

Gasoline (1 liter)

$1.87 £1.40

$0.88 Rp 15.9K

112.50%

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

$37.1K £27.8K

$24.6K Rp 442.2M

50.95%

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

$41.2K £30.9K

$31.2K Rp 561.4M

32.04%

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

$341 £256

$83.0 Rp 1.5M

310.44%

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

$17.10 £12.83

$6.45 Rp 116.0K

165.12%

Internet (50+ Mbps, Unlimited Data)

$51.0 £38.24

$18.57 Rp 334.2K

174.47%

Gym Membership (Monthly)

$44.28 £33.22

$55.8 Rp 1.0M

-20.67%

Tennis Court (1 Hour on Weekend)

$39.01 £29.27

$18.11 Rp 326.0K

115.41%

Cinema Ticket

$14.00 £10.50

$4.38 Rp 78.9K

219.63%

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

$2,020 £1,516

$493 Rp 8.9M

309.80%

International Primary School, 1 Child (Yearly)

$25.2K £18.9K

$5,754 Rp 103.6M

337.92%

Jeans (Levis 501 Or Similar)

$98.2 £73.7

$46.19 Rp 831.4K

112.67%

Summer Dress (H&M, Zara, etc)

$48.22 £36.18

$35.33 Rp 636.0K

36.48%

Sport Shoes (Adidas, Nike)

$106 £79.4

$79.1 Rp 1.4M

33.82%

Men's Leather Business Shoes

$96.9 £72.7

$78.4 Rp 1.4M

23.56%

1-bedroom Apartment, City Center (Monthly)

$1,161 £871

$1,142 Rp 20.6M

1.65%

1-bedroom Apartment, Outside City Center (Monthly)

$929 £697

$676 Rp 12.2M

37.42%

3-bedroom Apartment, City Center (Monthly)

$2,149 £1,613

$3,503 Rp 63.1M

-38.64%

3-bedroom Apartment, Outside City Center (Monthly)

$1,617 £1,213

$1,700 Rp 30.6M

-4.90%

Buy Apartment in City Center (m2)

$5,704 £4,279

$2,784 Rp 50.1M

104.87%

Buy Apartment Outside City Center (m2)

$5,676 £4,258

$2,241 Rp 40.3M

153.33%

Average Monthly Net Salary (After Tax)

$4,753 £3,566

$165 Rp 3.0M

2788.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.54

13.78

-59.80%

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

Last update for Cheltenham: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cheltenham

$929 39.9%

Ubud, Bali

$676 49.4% 27.2% $253

Monthly Utilities & Internet

Cheltenham

$409 17.6%

Ubud, Bali

$108 7.9% 73.6% $301

Eating Out

Cheltenham

$350 15.1%

Ubud, Bali

$109 8% 68.9% $241

Groceries & Markets

Cheltenham

$292 12.6%

Ubud, Bali

$290 21.2% 0.6% $1.7

Clothing & Footwear

Cheltenham

$157 6.8%

Ubud, Bali

$108 7.9% 31.5% $50

Getting Around

Cheltenham

$118 5.1%

Ubud, Bali

$13 0.9% 89.4% $105

Sport & Entertainment

Cheltenham

$72 3.1%

Ubud, Bali

$65 4.7% 10.7% $7.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,161 in Cheltenham and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cheltenham pays 2788% 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: $105 in Cheltenham vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $292 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Cheltenham

🇮🇩 Ubud, Bali

🕒 Local time

16:52 4:52 PM

23:52 11:52 PM

7 h ahead of Cheltenham

🌤 Weather

👥 Population

115,300

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 19, 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 19, 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

Lowest

Highest

Between locations

Cheltenham Ubud, Bali 12,610 km ≈ 16 h nonstop flight

From you

Cheltenham
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

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

Ubud, Bali is cheaper overall, especially in eating out, groceries, and clothing. The 70% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2788% higher in Cheltenham, 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: $1,161 in Cheltenham 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 $105 in Cheltenham. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,327 per month in Cheltenham versus $1,368 in Ubud, Bali – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,327 in Cheltenham, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cheltenham. 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 Cheltenham, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cheltenham 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 70% less than in Cheltenham. Beyond cost, consider language, visa policies, and how big the international community is in each city.