Last update: Oct 2026

Cost of Living Comparison Between Coffs Harbour and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,468 in Coffs Harbour, rent and utilities included – about $13,400 less a year. Rent and utilities account for most of the difference.

118

Cost of Living Index in Coffs Harbour
Learn more

Coffs Harbour Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Coffs Harbour

🇦🇺 Australia

$2,468

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,468 in Coffs Harbour versus $1,349 in Ubud, Bali.

Coffs Harbour $2,468
Ubud, Bali $1,349

Estimated couple costs with rent: $3,579 in Coffs Harbour versus $2,305 in Ubud, Bali.

Coffs Harbour $3,579
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,690 in Coffs Harbour versus $3,261 in Ubud, Bali.

Coffs Harbour $4,690
Ubud, Bali $3,261

Living in Coffs Harbour is roughly 83% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$14.25 A$20.25

$3.32 Rp 60.4K

329.22%

Three-Course Dinner for Two, Mid-Range

$104 A$147

$35.64 Rp 647.8K

191.02%

Fast Food Meal (McDonalds, etc)

$8.87 A$12.61

$5.53 Rp 100.6K

60.40%

Cappuccino

$3.77 A$5.36

$2.72 Rp 49.4K

38.60%

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

$2.86 A$4.07

$1.70 Rp 30.9K

68.24%

Water (0.33 liter bottle)

$1.95 A$2.77

$0.76 Rp 13.8K

156.58%

Local Beer (0.5 liter draught)

$5.37 A$7.64

$2.65 Rp 48.2K

102.64%

Imported Beer (0.33 liter bottle)

$5.48 A$7.79

$4.38 Rp 79.6K

25.11%

Milk (1 liter)

$1.52 A$2.16

$1.49 Rp 27.1K

2.01%

White Bread (500g)

$2.64 A$3.74

$2.28 Rp 41.4K

15.79%

Rice (white) (1kg)

$2.40 A$3.41

$1.19 Rp 21.6K

101.68%

Eggs

$3.36 A$4.77

$2.04 Rp 37.0K

64.71%

Local Cheese (1kg)

$8.69 A$12.35

$17.70 Rp 321.7K

-50.90%

Chicken Fillets (1kg)

$7.11 A$10.11

$3.96 Rp 72.0K

79.55%

Beef Round Steak (1kg)

$13.76 A$19.56

$12.19 Rp 221.6K

12.88%

Apples (1kg)

$3.98 A$5.65

$3.66 Rp 66.4K

8.74%

Banana (1kg)

$3.09 A$4.39

$1.52 Rp 27.6K

103.29%

Oranges (1kg)

$3.47 A$4.93

$2.23 Rp 40.5K

55.61%

Tomato (1kg)

$4.16 A$5.91

$1.97 Rp 35.9K

111.17%

Potato (1kg)

$1.43 A$2.03

$1.85 Rp 33.6K

-22.70%

Onion (1kg)

$2.44 A$3.47

$2.42 Rp 44.1K

0.83%

Lettuce (1 head)

$2.52 A$3.58

$0.99 Rp 18.0K

154.55%

Water (1.5 liter bottle)

$2.37 A$3.37

$0.51 Rp 9,332

364.71%

Cigarettes 20 Pack (Marlboro, Camel)

$32.01 A$45.48

$2.22 Rp 40.4K

1341.89%

Wine (Bottle)

$14.22 A$20.20

$22.24 Rp 404.2K

-36.06%

Local Beer (0.5 liter bottle)

$6.05 A$8.59

$2.26 Rp 41.1K

167.70%

Imported Beer (0.33 liter bottle)

$6.63 A$9.41

$2.97 Rp 54.0K

123.23%

One-way Ticket (Public Transport)

$4.72 A$6.71

$0.25 Rp 4,562

1788.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$2.11 A$3.00

$0.44 Rp 7,989

379.55%

Taxi (Normal Tariff) (1km)

$1.59 A$2.26

$0.43 Rp 7,817

269.77%

Taxi 1hour Waiting (Normal Tariff)

$35.69 A$50.7

$5.41 Rp 98.3K

559.70%

Gasoline (1 liter)

$1.32 A$1.87

$0.82 Rp 15.0K

60.98%

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

$28.9K A$41.1K

$23.8K Rp 433.3M

21.41%

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

$26.7K A$37.9K

$31.7K Rp 577.0M

-15.93%

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

$175 A$248

$79.1 Rp 1.4M

121.01%

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

$10.59 A$15.05

$6.45 Rp 117.2K

64.19%

Internet (50+ Mbps, Unlimited Data)

$53.9 A$76.6

$18.58 Rp 337.7K

189.99%

Gym Membership (Monthly)

$108 A$153

$49.48 Rp 899.4K

117.72%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$13.45 A$19.11

$4.27 Rp 77.7K

214.99%

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

$2,183 A$3,102

$491 Rp 8.9M

345.10%

International Primary School, 1 Child (Yearly)

$11.8K A$16.7K

$5,674 Rp 103.1M

107.36%

Jeans (Levis 501 Or Similar)

$77.2 A$110

$44.64 Rp 811.4K

72.83%

Summer Dress (H&M, Zara, etc)

$53.5 A$76.1

$34.95 Rp 635.3K

53.19%

Sport Shoes (Adidas, Nike)

$103 A$146

$79.9 Rp 1.5M

28.39%

Men's Leather Business Shoes

$124 A$176

$79.4 Rp 1.4M

55.62%

1-bedroom Apartment, City Center (Monthly)

$1,399 A$1,988

$1,125 Rp 20.4M

24.41%

1-bedroom Apartment, Outside City Center (Monthly)

$1,302 A$1,850

$671 Rp 12.2M

93.86%

3-bedroom Apartment, City Center (Monthly)

$2,111 A$2,999

$3,565 Rp 64.8M

-40.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,945 A$2,764

$1,723 Rp 31.3M

12.86%

Buy Apartment in City Center (m2)

$3,566 A$5,066

$2,732 Rp 49.6M

30.53%

Buy Apartment Outside City Center (m2)

$3,623 A$5,149

$2,284 Rp 41.5M

58.64%

Average Monthly Net Salary (After Tax)

$3,275 A$4,653

$164 Rp 3.0M

1898.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.69

13.78

-58.71%

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

Last update for Coffs Harbour: 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

Coffs Harbour

$1.3K 52.7%

Ubud, Bali

$672 49.8% 48.4% $630

Groceries & Markets

Coffs Harbour

$360 14.6%

Ubud, Bali

$288 21.4% 19.9% $72

Eating Out

Coffs Harbour

$243 9.8%

Ubud, Bali

$108 8% 55.7% $135

Monthly Utilities & Internet

Coffs Harbour

$239 9.7%

Ubud, Bali

$104 7.7% 56.5% $135

Clothing & Footwear

Coffs Harbour

$161 6.5%

Ubud, Bali

$108 8% 33.1% $53

Sport & Entertainment

Coffs Harbour

$135 5.5%

Ubud, Bali

$58 4.3% 56.9% $77

Getting Around

Coffs Harbour

$29 * 1.2%

Ubud, Bali

$11 0.9% 60.5% $18

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,399 in Coffs Harbour and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Coffs Harbour pays about 20 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $104 in Coffs Harbour vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $360 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Coffs Harbour

🇮🇩 Ubud, Bali

🕒 Local time

03:55 3:55 AM

00:55 12:55 AM

3 h behind Coffs Harbour

🌤 Weather

👥 Population

78,759

74,800

💱 Currency

Australian Dollar AUD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AUD = 0.704 USD

1 AUD = 0.632 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 28, 2026: 1 USD = 1.42 AUD (1 AUD = 0.704 USD). 1 EUR = 1.58 AUD (1 AUD = 0.632 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

USD to AUD in detail →

On the map

Lowest

Highest

Between locations

Coffs Harbour Ubud, Bali 4,610 km ≈ 6 h nonstop flight

From you

Coffs Harbour
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

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

Ubud, Bali is cheaper overall, especially in eating out, leisure, and groceries. The 83% gap adds up to real monthly savings that compound significantly over time.

Average pay in Coffs Harbour is about 20 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: $1,399 in Coffs Harbour 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 25% higher in Coffs Harbour. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $2,468 per month in Coffs Harbour versus $1,349 in Ubud, Bali – a 83% gap that adds up to real savings over time for anyone picking the cheaper option.

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, Coffs Harbour 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.

It comes down to priorities – Ubud, Bali wins on affordability, Coffs Harbour on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.