Last update: Oct 2026

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

For one person, living is cheaper in Elgin, IL: $1,057 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

51

Cost of Living Index in Elgin, IL
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Elgin, IL Living Index
65

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

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Elgin, IL

🇺🇸 United States

$1,057

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,057 in Elgin, IL versus $1,349 in Ubud, Bali.

Elgin, IL $1,057
Ubud, Bali $1,349

Estimated couple costs with rent: $2,633 in Elgin, IL versus $2,305 in Ubud, Bali.

Elgin, IL $2,633
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,209 in Elgin, IL versus $3,261 in Ubud, Bali.

Elgin, IL $4,209
Ubud, Bali $3,261

Living in Elgin, IL costs roughly 22% less than in Ubud, Bali, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$20.39 $20.39

$3.32 Rp 60.2K

514.16%

Three-Course Dinner for Two, Mid-Range

$59.1 $59.1

$35.64 Rp 646.1K

65.74%

Fast Food Meal (McDonalds, etc)

$9.94 $9.94

$5.53 Rp 100.3K

79.75%

Cappuccino

$4.08 $4.08

$2.72 Rp 49.3K

50.00%

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

$3.06 $3.06

$1.70 Rp 30.8K

80.00%

Water (0.33 liter bottle)

$2.04 $2.04

$0.76 Rp 13.8K

168.42%

Local Beer (0.5 liter draught)

$5.98 $5.98

$2.65 Rp 48.1K

125.66%

Imported Beer (0.33 liter bottle)

$4.88 $4.88

$4.38 Rp 79.4K

11.42%

Milk (1 liter)

$0.87 $0.87

$1.49 Rp 27.0K

-41.61%

White Bread (500g)

$3.52 $3.52

$2.28 Rp 41.3K

54.39%

Rice (white) (1kg)

$4.15 $4.15

$1.19 Rp 21.6K

248.74%

Eggs

$3.64 $3.64

$2.04 Rp 36.9K

78.43%

Local Cheese (1kg)

$11.13 $11.13

$17.70 Rp 320.9K

-37.12%

Chicken Fillets (1kg)

$13.06 $13.06

$3.96 Rp 71.9K

229.80%

Beef Round Steak (1kg)

$11.98 $11.98

$12.19 Rp 221.0K

-1.72%

Apples (1kg)

$4.47 $4.47

$3.66 Rp 66.3K

22.13%

Banana (1kg)

$1.33 $1.33

$1.52 Rp 27.5K

-12.50%

Oranges (1kg)

$2.53 $2.53

$2.23 Rp 40.4K

13.45%

Tomato (1kg)

$4.04 $4.04

$1.97 Rp 35.8K

105.08%

Potato (1kg)

$2.00 $2.00

$1.85 Rp 33.5K

8.11%

Onion (1kg)

$2.01 $2.01

$2.42 Rp 43.9K

-16.94%

Lettuce (1 head)

$1.78 $1.78

$0.99 Rp 18.0K

79.80%

Water (1.5 liter bottle)

$2.40 $2.40

$0.51 Rp 9,307

370.59%

Cigarettes 20 Pack (Marlboro, Camel)

$10.58 $10.58

$2.22 Rp 40.3K

376.58%

Wine (Bottle)

$15.75 $15.75

$22.24 Rp 403.2K

-29.18%

Local Beer (0.5 liter bottle)

$2.71 $2.71

$2.26 Rp 41.0K

19.91%

Imported Beer (0.33 liter bottle)

$3.54 $3.54

$2.97 Rp 53.9K

19.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,550

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$4.05 $4.05

$0.44 Rp 7,968

820.45%

Taxi (Normal Tariff) (1km)

$2.04 $2.04

$0.43 Rp 7,797

374.42%

Taxi 1hour Waiting (Normal Tariff)

$27.57 $27.57

$5.41 Rp 98.1K

409.61%

Gasoline (1 liter)

$1.04 $1.04

$0.82 Rp 15.0K

26.83%

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

$31.2K $31.2K

$23.8K Rp 432.2M

30.76%

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

$25.8K $25.8K

$31.7K Rp 575.5M

-18.77%

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

$98.8 $98.8

$79.1 Rp 1.4M

24.96%

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

$53.3 $53.3

$6.45 Rp 116.9K

725.58%

Internet (50+ Mbps, Unlimited Data)

$49.92 $49.92

$18.58 Rp 336.8K

168.68%

Gym Membership (Monthly)

$49.48 Rp 897.1K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.9K

Cinema Ticket

$15.10 $15.10

$4.27 Rp 77.5K

253.63%

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

$1,656 $1,656

$491 Rp 8.9M

237.64%

International Primary School, 1 Child (Yearly)

$23.4K $23.4K

$5,674 Rp 102.9M

313.09%

Jeans (Levis 501 Or Similar)

$40.64 $40.64

$44.64 Rp 809.3K

-8.96%

Summer Dress (H&M, Zara, etc)

$50.3 $50.3

$34.95 Rp 633.7K

43.86%

Sport Shoes (Adidas, Nike)

$99.6 $99.6

$79.9 Rp 1.4M

24.64%

Men's Leather Business Shoes

$120 $120

$79.4 Rp 1.4M

51.25%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$2,162 $2,162

$3,565 Rp 64.6M

-39.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,820 $1,820

$1,723 Rp 31.2M

5.62%

Buy Apartment in City Center (m2)

$2,201 $2,201

$2,732 Rp 49.5M

-19.43%

Buy Apartment Outside City Center (m2)

$2,268 $2,268

$2,284 Rp 41.4M

-0.69%

Average Monthly Net Salary (After Tax)

$3,966 $3,966

$164 Rp 3.0M

2320.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

13.78

-51.45%

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

Last update for Elgin, IL: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Elgin, IL

$368 34.9%

Ubud, Bali

$288 21.4% 21.7% $80

Eating Out

Elgin, IL

$302 28.6%

Ubud, Bali

$108 8% 64.3% $194

Monthly Utilities & Internet

Elgin, IL

$202 19.1%

Ubud, Bali

$104 7.7% 48.5% $98

Clothing & Footwear

Elgin, IL

$140 13.2%

Ubud, Bali

$108 8% 23.1% $32

Sport & Entertainment

Elgin, IL

$30 * 2.9%

Ubud, Bali

$58 4.3% 92.2% $28

Getting Around

Elgin, IL

$14 * 1.4%

Ubud, Bali

$11 0.9% 19.9% $2.8

Accommodation & Living

Elgin, IL

- * 0%

Ubud, Bali

$672 49.8%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Elgin, IL pays about 24 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $59 in Elgin, IL vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $368 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Elgin, IL

🇮🇩 Ubud, Bali

🕒 Local time

02:12 2:12 AM

15:12 3:12 PM

13 h ahead of Elgin, IL

🌤 Weather

👥 Population

112,603

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.897 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.95 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 October 30, 2026: 1 EUR = 1.11 USD (1 USD = 0.897 EUR).

Indonesian Rupiah exchange rates as of October 30, 2026: 1 USD = 18,128 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,203 IDR (100,000 IDR = 4.95 EUR).

IDR to USD in detail →

On the map

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Between locations

Elgin, IL Ubud, Bali 15,630 km ≈ 20 h nonstop flight

From you

Elgin, 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

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

Elgin, IL is about 22% cheaper overall, especially in leisure. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Elgin, IL is about 24 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Childcare runs $1,656 in Elgin, IL versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $59 in Elgin, IL. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,500 a month, though Elgin, IL gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Elgin, IL and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.