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

Monthly Cost of Living

Monthly costs for one person with rent: $2,488 in Effingham, IL versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $3,562 in Effingham, IL versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,635 in Effingham, IL versus $3,723 in Ubud, Bali.

Living in Effingham, IL is roughly 79% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Effingham, IL 87% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$14.86 $14.86

$3.57 Rp 64.5K

316.25%

Three-Course Dinner for Two, Mid-Range

$45.42 $45.42

$32.32 Rp 583.4K

40.53%

Fast Food Meal (McDonalds, etc)

$10.13 $10.13

$5.01 Rp 90.4K

102.20%

Cappuccino

$5.12 $5.12

$2.82 Rp 51.0K

81.56%

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

$2.36 $2.36

$1.35 Rp 24.4K

74.81%

Water (0.33 liter bottle)

$1.96 $1.96

$0.73 Rp 13.2K

168.49%

Local Beer (0.5 liter draught)

$5.12 $5.12

$2.93 Rp 53.0K

74.74%

Imported Beer (0.33 liter bottle)

$6.98 $6.98

$3.94 Rp 71.1K

77.16%

Milk (1 liter)

$0.55 $0.55

$1.78 Rp 32.1K

-69.10%

White Bread (500g)

$2.84 $2.84

$2.45 Rp 44.2K

15.92%

Rice (white) (1kg)

$4.32 $4.32

$1.15 Rp 20.7K

275.65%

Eggs

$3.09 $3.09

$2.41 Rp 43.6K

28.22%

Local Cheese (1kg)

$15.94 $15.94

$14.33 Rp 258.7K

11.24%

Chicken Fillets (1kg)

$10.81 $10.81

$4.19 Rp 75.6K

158.00%

Beef Round Steak (1kg)

$14.48 $14.48

$12.06 Rp 217.7K

20.07%

Apples (1kg)

$5.44 $5.44

$3.64 Rp 65.7K

49.45%

Banana (1kg)

$1.52 $1.52

$1.57 Rp 28.3K

-3.18%

Oranges (1kg)

$4.19 $4.19

$2.79 Rp 50.3K

50.18%

Tomato (1kg)

$5.84 $5.84

$2.24 Rp 40.5K

160.71%

Potato (1kg)

$2.14 $2.14

$1.98 Rp 35.7K

8.08%

Onion (1kg)

$1.13 $1.13

$2.28 Rp 41.1K

-50.44%

Lettuce (1 head)

$1.95 $1.95

$1.05 Rp 19.0K

85.71%

Water (1.5 liter bottle)

$1.96 $1.96

$0.79 Rp 14.2K

148.10%

Cigarettes 20 Pack (Marlboro, Camel)

$8.73 $8.73

$3.19 Rp 57.6K

173.67%

Wine (Bottle)

$12.20 $12.20

$23.49 Rp 424.1K

-48.06%

Local Beer (0.5 liter bottle)

$2.61 $2.61

$2.90 Rp 52.3K

-10.00%

Imported Beer (0.33 liter bottle)

$3.22 $3.22

$2.76 Rp 49.7K

16.67%

One-way Ticket (Public Transport)

$1.99 $1.99

$0.27 Rp 4,813

637.04%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$2.70 $2.70

$0.45 Rp 8,167

500.00%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$0.46 Rp 8,298

210.87%

Taxi 1hour Waiting (Normal Tariff)

$30.06 $30.06

$6.07 Rp 109.6K

395.22%

Gasoline (1 liter)

$0.82 $0.82

$0.86 Rp 15.6K

-4.65%

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

$35.2K $35.2K

$26.6K Rp 480.0M

32.21%

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

$26.4K $26.4K

$32.5K Rp 587.6M

-18.85%

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

$241 $241

$79.0 Rp 1.4M

204.42%

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

$45.60 $45.60

$4.09 Rp 73.9K

1014.91%

Internet (50+ Mbps, Unlimited Data)

$62.0 $62.0

$23.85 Rp 430.5K

159.75%

Gym Membership (Monthly)

$42.70 $42.70

$98.8 Rp 1.8M

-56.77%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$12.07 $12.07

$4.01 Rp 72.3K

201.00%

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

$1,274 $1,274

$297 Rp 5.4M

328.60%

International Primary School, 1 Child (Yearly)

$13.5K $13.5K

$6,602 Rp 119.2M

104.85%

Jeans (Levis 501 Or Similar)

$44.22 $44.22

$53.4 Rp 964.5K

-17.24%

Summer Dress (H&M, Zara, etc)

$35.30 $35.30

$38.11 Rp 688.1K

-7.37%

Sport Shoes (Adidas, Nike)

$84.0 $84.0

$88.7 Rp 1.6M

-5.29%

Men's Leather Business Shoes

$64.8 $64.8

$76.6 Rp 1.4M

-15.48%

1-bedroom Apartment, City Center (Monthly)

$1,576 $1,576

$1,020 Rp 18.4M

54.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,344 $1,344

$680 Rp 12.3M

97.61%

3-bedroom Apartment, City Center (Monthly)

$2,607 $2,607

$3,469 Rp 62.6M

-24.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,232 $2,232

$2,090 Rp 37.7M

6.80%

Buy Apartment in City Center (m2)

$2,674 $2,674

$2,729 Rp 49.3M

-2.01%

Buy Apartment Outside City Center (m2)

$2,134 $2,134

$2,295 Rp 41.4M

-7.02%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

13.28

-50.23%

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

Last update for Effingham, IL: July 25, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,576 in Effingham, IL and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Effingham, IL vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $375 vs $298 per month, with Ubud, Bali cheaper across the board.

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

Effingham, IL and Ubud, Bali differ by about 79% in total monthly costs ($2,488 vs $1,392 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,732 in Effingham, IL and $2,088 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: $1,576 in Effingham, IL versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Effingham, IL. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,488 per month in Effingham, IL versus $1,392 in Ubud, Bali – a 79% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,392 in Ubud, Bali versus $2,488 in Effingham, IL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Effingham, IL. 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, Effingham, IL 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 79% less than in Effingham, IL. Beyond cost, consider language, visa policies, and how big the international community is in each city.