Cost of Living Comparison Between Cruz Bay and Ubud, Bali Cost of Living Comparison Between Cruz Bay and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,893 in Cruz Bay versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $4,552 in Cruz Bay versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $6,211 in Cruz Bay versus $3,694 in Ubud, Bali.

Living in Cruz Bay is roughly 106% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Cruz Bay 115% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$30.25 $30.25

$3.57 Rp 64.7K

747.34%

Three-Course Dinner for Two, Mid-Range

$91.2 $91.2

$32.50 Rp 589.5K

180.65%

Fast Food Meal (McDonalds, etc)

$17.10 $17.10

$4.86 Rp 88.2K

251.85%

Cappuccino

$8.78 $8.78

$2.75 Rp 49.8K

219.27%

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

$3.07 $3.07

$1.32 Rp 24.0K

132.58%

Water (0.33 liter bottle)

$3.90 $3.90

$0.70 Rp 12.7K

457.14%

Local Beer (0.5 liter draught)

$7.81 $7.81

$2.91 Rp 52.8K

168.38%

Imported Beer (0.33 liter bottle)

$8.76 $8.76

$3.79 Rp 68.8K

131.13%

Milk (1 liter)

$3.54 $3.54

$1.71 Rp 31.0K

107.02%

White Bread (500g)

$2.47 Rp 44.9K

Rice (white) (1kg)

$1.20 Rp 21.8K

Eggs

$5.12 $5.12

$2.44 Rp 44.3K

109.84%

Local Cheese (1kg)

$14.38 Rp 260.9K

Chicken Fillets (1kg)

$15.69 $15.69

$4.31 Rp 78.1K

264.04%

Beef Round Steak (1kg)

$12.21 Rp 221.4K

Apples (1kg)

$8.86 $8.86

$3.68 Rp 66.8K

140.76%

Banana (1kg)

$1.55 Rp 28.1K

Oranges (1kg)

$2.79 Rp 50.5K

Tomato (1kg)

$2.33 Rp 42.3K

Potato (1kg)

$1.97 Rp 35.7K

Onion (1kg)

$2.31 Rp 41.9K

Lettuce (1 head)

$1.06 Rp 19.3K

Water (1.5 liter bottle)

$0.73 Rp 13.2K

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 59.5K

Wine (Bottle)

$25.42 $25.42

$22.79 Rp 413.4K

11.54%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.9K

Imported Beer (0.33 liter bottle)

$2.78 Rp 50.5K

One-way Ticket (Public Transport)

$0.29 Rp 5,281

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 146.2K

Taxi Start (Normal Tariff)

$0.45 Rp 8,146

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,193

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 113.1K

Gasoline (1 liter)

$0.85 Rp 15.4K

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

$26.0K Rp 471.2M

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

$31.7K Rp 574.1M

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

$344 $344

$80.8 Rp 1.5M

326.06%

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

$140 $140

$4.06 Rp 73.6K

3343.60%

Internet (50+ Mbps, Unlimited Data)

$60.0 $60.0

$24.42 Rp 442.9K

145.62%

Gym Membership (Monthly)

$91.8 $91.8

$97.7 Rp 1.8M

-6.03%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 116.9K

Cinema Ticket

$4.04 Rp 73.3K

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

$304 Rp 5.5M

International Primary School, 1 Child (Yearly)

$12.9K $12.9K

$6,621 Rp 120.1M

94.69%

Jeans (Levis 501 Or Similar)

$54.2 Rp 983.6K

Summer Dress (H&M, Zara, etc)

$38.78 Rp 703.2K

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.6M

Men's Leather Business Shoes

$76.7 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,789 $1,789

$986 Rp 17.9M

81.49%

1-bedroom Apartment, Outside City Center (Monthly)

$1,493 $1,493

$658 Rp 11.9M

126.96%

3-bedroom Apartment, City Center (Monthly)

$3,488 $3,488

$3,369 Rp 61.1M

3.52%

3-bedroom Apartment, Outside City Center (Monthly)

$3,476 $3,476

$2,066 Rp 37.5M

68.25%

Buy Apartment in City Center (m2)

$11.0K $11.0K

$2,741 Rp 49.7M

300.39%

Buy Apartment Outside City Center (m2)

$2,228 Rp 40.4M

Average Monthly Net Salary (After Tax)

$6,300 $6,300

$163 Rp 3.0M

3754.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

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

Last update for Cruz Bay: June 7, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,789 in Cruz Bay and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 3755% 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: $91.0 in Cruz Bay vs $33.00 in Ubud, Bali. Groceries flip the comparison at $229 vs $297, with Cruz Bay cheaper for home cooking.

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

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

Cruz Bay and Ubud, Bali differ by about 106% in total monthly costs ($2,893 vs $1,404 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Cruz Bay pays 3755% more on average, 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: $1,789 in Cruz Bay versus $986 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 $33.00 versus $91.0 in Cruz Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,893 per month in Cruz Bay versus $1,404 in Ubud, Bali – a 106% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,404 in Ubud, Bali versus $2,893 in Cruz Bay, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cruz Bay. 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, Cruz Bay 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 106% less than in Cruz Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.