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: $2,830 in Cruz Bay versus $1,397 in Ubud, Bali.

Estimated couple costs with rent: $4,574 in Cruz Bay versus $2,588 in Ubud, Bali.

Monthly costs for a family of three with rent: $6,317 in Cruz Bay versus $3,778 in Ubud, Bali.

Living in Cruz Bay is roughly 103% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Cruz Bay 112% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$29.60 $29.60

$3.43 Rp 61.6K

762.97%

Three-Course Dinner for Two, Mid-Range

$91.9 $91.9

$31.97 Rp 574.4K

187.33%

Fast Food Meal (McDonalds, etc)

$17.11 $17.11

$5.05 Rp 90.8K

238.81%

Cappuccino

$9.03 $9.03

$2.71 Rp 48.8K

233.21%

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

$3.05 $3.05

$1.39 Rp 25.0K

119.42%

Water (0.33 liter bottle)

$3.92 $3.92

$0.74 Rp 13.3K

429.73%

Local Beer (0.5 liter draught)

$7.94 $7.94

$2.89 Rp 52.0K

174.74%

Imported Beer (0.33 liter bottle)

$9.10 $9.10

$3.79 Rp 68.1K

140.11%

Milk (1 liter)

$3.40 $3.40

$1.79 Rp 32.2K

89.94%

White Bread (500g)

$2.51 Rp 45.0K

Rice (white) (1kg)

$1.21 Rp 21.8K

Eggs

$4.86 $4.86

$2.37 Rp 42.5K

105.06%

Local Cheese (1kg)

$14.43 Rp 259.3K

Chicken Fillets (1kg)

$15.71 $15.71

$4.15 Rp 74.6K

278.55%

Beef Round Steak (1kg)

$12.11 Rp 217.7K

Apples (1kg)

$9.07 $9.07

$3.77 Rp 67.7K

140.58%

Banana (1kg)

$1.63 Rp 29.2K

Oranges (1kg)

$2.71 Rp 48.6K

Tomato (1kg)

$2.26 Rp 40.5K

Potato (1kg)

$1.93 Rp 34.6K

Onion (1kg)

$2.19 Rp 39.4K

Lettuce (1 head)

$1.02 Rp 18.3K

Water (1.5 liter bottle)

$0.72 Rp 12.9K

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.2K

Wine (Bottle)

$25.21 $25.21

$23.84 Rp 428.3K

5.75%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.8K

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.4K

One-way Ticket (Public Transport)

$0.27 Rp 4,802

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 147.3K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,571

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 108.3K

Gasoline (1 liter)

$0.82 Rp 14.7K

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

$26.6K Rp 477.3M

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

$32.2K Rp 578.6M

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

$346 $346

$78.3 Rp 1.4M

342.76%

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

$142 $142

$3.91 Rp 70.3K

3523.27%

Internet (50+ Mbps, Unlimited Data)

$60.3 $60.3

$23.91 Rp 429.7K

152.15%

Gym Membership (Monthly)

$88.9 $88.9

$96.2 Rp 1.7M

-7.58%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 117.3K

Cinema Ticket

$4.01 Rp 72.1K

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

$303 Rp 5.4M

International Primary School, 1 Child (Yearly)

$13.2K $13.2K

$6,551 Rp 117.7M

100.97%

Jeans (Levis 501 Or Similar)

$55.3 Rp 993.9K

Summer Dress (H&M, Zara, etc)

$38.32 Rp 688.6K

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

Men's Leather Business Shoes

$76.7 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,772 $1,772

$986 Rp 17.7M

79.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,509 $1,509

$682 Rp 12.3M

121.31%

3-bedroom Apartment, City Center (Monthly)

$3,480 $3,480

$3,420 Rp 61.5M

1.74%

3-bedroom Apartment, Outside City Center (Monthly)

$3,535 $3,535

$2,075 Rp 37.3M

70.41%

Buy Apartment in City Center (m2)

$10.9K $10.9K

$2,762 Rp 49.6M

296.21%

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.3M

Average Monthly Net Salary (After Tax)

$6,133 $6,133

$169 Rp 3.0M

3534.54%

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: July 21, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,772 in Cruz Bay and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 3535% 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: $92.0 in Cruz Bay vs $32.00 in Ubud, Bali. Groceries flip the comparison at $228 vs $298, 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 103% in total monthly costs ($2,830 vs $1,397 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 3535% higher in Cruz Bay, 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: $1,772 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 $32.00 versus $92.0 in Cruz Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,830 per month in Cruz Bay versus $1,397 in Ubud, Bali – a 103% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,397 in Ubud, Bali versus $2,830 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 103% less than in Cruz Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.