Last update: Oct 2026

Cost of Living Comparison Between Cromwell and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,877 in Cromwell, rent and utilities included – about $6,100 less a year. Other living expenses account for most of the difference.

91

Cost of Living Index in Cromwell
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Cromwell Living Index
67

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

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Cromwell

🇳🇿 New Zealand

$1,877

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,877 in Cromwell versus $1,368 in Ubud, Bali.

Cromwell $1,877
Ubud, Bali $1,368

Estimated couple costs with rent: $2,785 in Cromwell versus $2,314 in Ubud, Bali.

Cromwell $2,785
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,692 in Cromwell versus $3,260 in Ubud, Bali.

Cromwell $3,692
Ubud, Bali $3,260

Living in Cromwell is roughly 37% 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: Cromwell 39% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$13.76 NZ$24.33

$3.33 Rp 59.9K

313.21%

Three-Course Dinner for Two, Mid-Range

$60.5 NZ$107

$35.18 Rp 633.2K

72.03%

Fast Food Meal (McDonalds, etc)

$11.14 NZ$19.70

$5.80 Rp 104.5K

92.07%

Cappuccino

$3.35 NZ$5.92

$2.73 Rp 49.1K

22.71%

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

$2.12 NZ$3.74

$1.64 Rp 29.5K

29.27%

Water (0.33 liter bottle)

$2.09 NZ$3.70

$0.83 Rp 15.0K

151.81%

Local Beer (0.5 liter draught)

$6.81 NZ$12.04

$2.70 Rp 48.6K

152.22%

Imported Beer (0.33 liter bottle)

$6.05 NZ$10.69

$4.30 Rp 77.4K

40.70%

Milk (1 liter)

$2.08 NZ$3.68

$1.50 Rp 27.1K

38.67%

White Bread (500g)

$2.01 NZ$3.55

$2.30 Rp 41.4K

-12.61%

Rice (white) (1kg)

$1.69 NZ$2.98

$1.18 Rp 21.2K

43.22%

Eggs

$5.70 NZ$10.08

$2.14 Rp 38.6K

166.36%

Local Cheese (1kg)

$8.54 NZ$15.10

$17.48 Rp 314.6K

-51.14%

Chicken Fillets (1kg)

$9.35 NZ$16.54

$4.03 Rp 72.5K

132.01%

Beef Round Steak (1kg)

$16.22 NZ$28.69

$12.23 Rp 220.1K

32.62%

Apples (1kg)

$2.98 NZ$5.28

$3.55 Rp 63.9K

-16.06%

Banana (1kg)

$2.34 NZ$4.13

$1.57 Rp 28.3K

49.04%

Oranges (1kg)

$3.11 NZ$5.51

$2.24 Rp 40.2K

38.84%

Tomato (1kg)

$5.10 NZ$9.02

$1.93 Rp 34.7K

164.25%

Potato (1kg)

$1.87 NZ$3.31

$1.88 Rp 33.9K

-0.53%

Onion (1kg)

$1.85 NZ$3.28

$2.29 Rp 41.3K

-19.21%

Lettuce (1 head)

$2.35 NZ$4.15

$0.99 Rp 17.9K

137.37%

Water (1.5 liter bottle)

$0.58 NZ$1.03

$0.53 Rp 9,475

9.43%

Cigarettes 20 Pack (Marlboro, Camel)

$21.18 NZ$37.45

$2.28 Rp 41.1K

828.95%

Wine (Bottle)

$8.89 NZ$15.73

$23.01 Rp 414.2K

-61.36%

Local Beer (0.5 liter bottle)

$3.21 NZ$5.68

$2.34 Rp 42.2K

37.18%

Imported Beer (0.33 liter bottle)

$1.19 NZ$2.10

$2.91 Rp 52.4K

-59.11%

One-way Ticket (Public Transport)

$1.73 NZ$3.07

$0.24 Rp 4,315

620.83%

Public Transport Monthly Pass (Regular Price)

$93.9 NZ$166

$8.82 Rp 158.7K

964.17%

Taxi Start (Normal Tariff)

$2.17 NZ$3.85

$0.48 Rp 8,684

352.08%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.31

$0.46 Rp 8,233

306.52%

Taxi 1hour Waiting (Normal Tariff)

$28.41 NZ$50.2

$5.45 Rp 98.2K

421.28%

Gasoline (1 liter)

$1.74 NZ$3.07

$0.88 Rp 15.9K

97.73%

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

$24.9K NZ$44.1K

$24.6K Rp 442.2M

1.45%

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

$25.1K NZ$44.3K

$31.2K Rp 561.4M

-19.62%

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

$110 NZ$194

$83.0 Rp 1.5M

32.20%

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

$28.00 NZ$49.52

$6.45 Rp 116.0K

334.11%

Internet (50+ Mbps, Unlimited Data)

$51.0 NZ$90.2

$18.57 Rp 334.2K

174.64%

Gym Membership (Monthly)

$38.81 NZ$68.6

$55.8 Rp 1.0M

-30.47%

Tennis Court (1 Hour on Weekend)

$6.76 NZ$11.95

$18.11 Rp 326.0K

-62.67%

Cinema Ticket

$8.16 NZ$14.44

$4.38 Rp 78.9K

86.30%

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

$786 NZ$1,389

$493 Rp 8.9M

59.36%

International Primary School, 1 Child (Yearly)

$12.4K NZ$21.9K

$5,754 Rp 103.6M

114.81%

Jeans (Levis 501 Or Similar)

$59.2 NZ$105

$46.19 Rp 831.4K

28.19%

Summer Dress (H&M, Zara, etc)

$35.50 NZ$62.8

$35.33 Rp 636.0K

0.48%

Sport Shoes (Adidas, Nike)

$92.1 NZ$163

$79.1 Rp 1.4M

16.41%

Men's Leather Business Shoes

$132 NZ$233

$78.4 Rp 1.4M

68.10%

1-bedroom Apartment, City Center (Monthly)

$955 NZ$1,690

$1,142 Rp 20.6M

-16.37%

1-bedroom Apartment, Outside City Center (Monthly)

$811 NZ$1,434

$676 Rp 12.2M

20.00%

3-bedroom Apartment, City Center (Monthly)

$1,602 NZ$2,834

$3,503 Rp 63.1M

-54.26%

3-bedroom Apartment, Outside City Center (Monthly)

$1,269 NZ$2,244

$1,700 Rp 30.6M

-25.36%

Buy Apartment in City Center (m2)

$4,811 NZ$8,509

$2,784 Rp 50.1M

72.82%

Buy Apartment Outside City Center (m2)

$3,361 NZ$5,944

$2,241 Rp 40.3M

50.00%

Average Monthly Net Salary (After Tax)

$2,917 NZ$5,159

$165 Rp 3.0M

1672.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

13.78

-52.10%

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

Last update for Cromwell: 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

Cromwell

$811 43.2%

Ubud, Bali

$676 49.4% 16.7% $135

Groceries & Markets

Cromwell

$320 17.1%

Ubud, Bali

$290 21.2% 9.3% $30

Eating Out

Cromwell

$247 13.1%

Ubud, Bali

$109 8% 55.9% $138

Monthly Utilities & Internet

Cromwell

$189 10.1%

Ubud, Bali

$108 7.9% 42.8% $81

Clothing & Footwear

Cromwell

$143 7.6%

Ubud, Bali

$108 7.9% 25% $36

Getting Around

Cromwell

$112 6%

Ubud, Bali

$13 0.9% 88.8% $100

Sport & Entertainment

Cromwell

$55 2.9%

Ubud, Bali

$65 4.7% 17.1% $9.4

Cost Breakdown

A one-bedroom apartment in the center runs $955 in Cromwell and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cromwell pays 1673% 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: $61.0 in Cromwell vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $320 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Cromwell

🇮🇩 Ubud, Bali

🕒 Local time

00:29 12:29 AM

19:29 7:29 PM

5 h behind Cromwell

🌤 Weather

👥 Population

5,000

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 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 NZD in detail →

On the map

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Highest

Between locations

Cromwell Ubud, Bali 6,550 km ≈ 9 h nonstop flight

From you

Cromwell
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 37% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1673% higher in Cromwell, 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: $955 in Cromwell versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 10% higher in Cromwell. 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 $35.00 versus $61.0 in Cromwell. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $1,877 in Cromwell, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cromwell. 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 Cromwell, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cromwell 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 37% less than in Cromwell. Beyond cost, consider language, visa policies, and how big the international community is in each city.