Last update: Nov 2026

Cost of Living Comparison Between Effingham, IL and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,532 in Effingham, IL, rent and utilities included – about $14,400 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Effingham, IL
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Effingham, IL Living Index
64

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

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Effingham, IL

🇺🇸 United States

$2,532

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,532 in Effingham, IL versus $1,331 in Ubud, Bali.

Effingham, IL $2,532
Ubud, Bali $1,331

Estimated couple costs with rent: $3,610 in Effingham, IL versus $2,255 in Ubud, Bali.

Effingham, IL $3,610
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $4,687 in Effingham, IL versus $3,180 in Ubud, Bali.

Effingham, IL $4,687
Ubud, Bali $3,180

Living in Effingham, IL is roughly 90% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Effingham, IL is 87% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$14.76 $14.76

$3.38 Rp 61.3K

336.69%

Three-Course Dinner for Two, Mid-Range

$44.61 $44.61

$34.65 Rp 629.1K

28.74%

Fast Food Meal (McDonalds, etc)

$11.92 $11.92

$5.57 Rp 101.2K

114.00%

Cappuccino

$5.84 $5.84

$2.62 Rp 47.6K

122.90%

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

$3.20 $3.20

$1.54 Rp 27.9K

107.79%

Water (0.33 liter bottle)

$2.67 $2.67

$0.64 Rp 11.6K

317.19%

Local Beer (0.5 liter draught)

$4.99 $4.99

$2.67 Rp 48.4K

86.89%

Imported Beer (0.33 liter bottle)

$7.18 $7.18

$4.26 Rp 77.4K

68.54%

Milk (1 liter)

$0.84 $0.84

$1.46 Rp 26.5K

-42.47%

White Bread (500g)

$3.23 $3.23

$2.29 Rp 41.6K

41.05%

Rice (white) (1kg)

$4.28 $4.28

$1.11 Rp 20.1K

285.59%

Eggs

$3.75 $3.75

$2.10 Rp 38.1K

78.57%

Local Cheese (1kg)

$12.50 $12.50

$15.94 Rp 289.4K

-21.58%

Chicken Fillets (1kg)

$11.21 $11.21

$3.88 Rp 70.5K

188.92%

Beef Round Steak (1kg)

$16.70 $16.70

$11.40 Rp 207.0K

46.49%

Apples (1kg)

$5.52 $5.52

$3.55 Rp 64.5K

55.49%

Banana (1kg)

$1.52 $1.52

$1.54 Rp 27.9K

-1.30%

Oranges (1kg)

$4.93 $4.93

$2.23 Rp 40.5K

121.08%

Tomato (1kg)

$4.31 $4.31

$1.97 Rp 35.8K

118.78%

Potato (1kg)

$2.22 $2.22

$1.86 Rp 33.7K

19.35%

Onion (1kg)

$1.12 $1.12

$2.42 Rp 43.9K

-53.72%

Lettuce (1 head)

$2.41 $2.41

$1.02 Rp 18.6K

136.27%

Water (1.5 liter bottle)

$2.41 $2.41

$0.52 Rp 9,483

363.46%

Cigarettes 20 Pack (Marlboro, Camel)

$11.14 $11.14

$2.20 Rp 39.9K

406.36%

Wine (Bottle)

$11.86 $11.86

$21.79 Rp 395.6K

-45.57%

Local Beer (0.5 liter bottle)

$1.97 $1.97

$2.33 Rp 42.2K

-15.45%

Imported Beer (0.33 liter bottle)

$3.60 $3.60

$2.97 Rp 53.9K

21.21%

One-way Ticket (Public Transport)

$2.11 $2.11

$0.25 Rp 4,546

744.00%

Public Transport Monthly Pass (Regular Price)

$67.7 $67.7

$8.17 Rp 148.4K

728.27%

Taxi Start (Normal Tariff)

$1.95 $1.95

$0.44 Rp 7,947

343.18%

Taxi (Normal Tariff) (1km)

$1.75 $1.75

$0.47 Rp 8,496

272.34%

Taxi 1hour Waiting (Normal Tariff)

$34.19 $34.19

$5.60 Rp 101.7K

510.54%

Gasoline (1 liter)

$1.02 $1.02

$0.83 Rp 15.0K

22.89%

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

$30.3K $30.3K

$24.4K Rp 443.8M

23.76%

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

$26.5K $26.5K

$31.7K Rp 575.5M

-16.31%

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

$228 $228

$77.5 Rp 1.4M

194.58%

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

$45.32 $45.32

$6.14 Rp 111.6K

638.11%

Internet (50+ Mbps, Unlimited Data)

$63.4 $63.4

$18.92 Rp 343.4K

235.15%

Gym Membership (Monthly)

$40.06 $40.06

$51.0 Rp 925.8K

-21.44%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$15.02 $15.02

$4.38 Rp 79.6K

242.92%

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

$1,757 $1,757

$492 Rp 8.9M

256.88%

International Primary School, 1 Child (Yearly)

$25.4K $25.4K

$12.2K Rp 221.9M

108.17%

Jeans (Levis 501 Or Similar)

$44.28 $44.28

$45.16 Rp 819.9K

-1.95%

Summer Dress (H&M, Zara, etc)

$34.47 $34.47

$34.89 Rp 633.4K

-1.20%

Sport Shoes (Adidas, Nike)

$83.4 $83.4

$78.3 Rp 1.4M

6.54%

Men's Leather Business Shoes

$66.1 $66.1

$77.9 Rp 1.4M

-15.13%

1-bedroom Apartment, City Center (Monthly)

$1,590 $1,590

$1,078 Rp 19.6M

47.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,267 $1,267

$665 Rp 12.1M

90.48%

3-bedroom Apartment, City Center (Monthly)

$2,520 $2,520

$3,510 Rp 63.7M

-28.19%

3-bedroom Apartment, Outside City Center (Monthly)

$2,091 $2,091

$1,671 Rp 30.3M

25.17%

Buy Apartment in City Center (m2)

$3,021 $3,021

$2,340 Rp 42.5M

29.09%

Buy Apartment Outside City Center (m2)

$2,004 $2,004

$2,236 Rp 40.6M

-10.40%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.7

13.78

-51.38%

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

Last update for Effingham, IL: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Effingham, IL

$1.3K 50%

Ubud, Bali

$665 50% 47.5% $602

Groceries & Markets

Effingham, IL

$383 15.1%

Ubud, Bali

$279 21% 27% $103

Monthly Utilities & Internet

Effingham, IL

$337 13.3%

Ubud, Bali

$103 7.7% 69.6% $234

Eating Out

Effingham, IL

$287 11.3%

Ubud, Bali

$106 8% 63.1% $181

Clothing & Footwear

Effingham, IL

$103 4.1%

Ubud, Bali

$106 8% 3.5% $3.6

Getting Around

Effingham, IL

$87 3.4%

Ubud, Bali

$12 0.9% 86.2% $75

Sport & Entertainment

Effingham, IL

$70 2.8%

Ubud, Bali

$60 4.5% 14.8% $10

Cost Breakdown

A one-bedroom apartment in the center runs $1,590 in Effingham, IL and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $45 in Effingham, IL vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $383 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Effingham, IL

🇮🇩 Ubud, Bali

🕒 Local time

16:16 4:16 PM

06:16 6:16 AM

14 h ahead of Effingham, IL

🌤 Weather

👥 Population

12,447

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.888 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.13 USD (1 USD = 0.888 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

IDR to USD in detail →

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Between locations

Effingham, IL Ubud, Bali 15,870 km ≈ 20 h nonstop flight

From you

Effingham, IL
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

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

Total monthly costs including rent come to $2,532 in Effingham, IL and $1,331 in Ubud, Bali, so Ubud, Bali is about 47% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $3,799 in Effingham, IL and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,590 in Effingham, IL versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,757 in Effingham, IL versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 37% higher in Effingham, IL. For households that cook at home regularly, that difference adds up over a month.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 47% less than in Effingham, IL. Beyond cost, consider language, visa policies, and how big the international community is in each city.