Cost of Living Comparison Between Elmina and Ubud, Bali Cost of Living Comparison Between Elmina and Ubud, Bali

Monthly Cost of Living

A single person spends $680 per month in Elmina vs $1,396 in Ubud, Bali, rent included.

A couple spends around $1,160 per month in Elmina vs $2,334 in Ubud, Bali, rent included.

A family of three spends $1,640 per month in Elmina vs $3,273 in Ubud, Bali, rent included.

Elmina is about 51% cheaper than Ubud, Bali, driven mainly by Eating Out.

Elmina sits 50% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.14 GHS 92.0

$3.37 Rp 59.7K

141.54%

Three-Course Dinner for Two, Mid-Range

$53.4 GHS 604

$38.59 Rp 682.4K

38.43%

Fast Food Meal (McDonalds, etc)

$10.81 GHS 122

$5.52 Rp 97.6K

95.83%

Cappuccino

$4.72 GHS 53.3

$2.64 Rp 46.8K

78.79%

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

$1.65 GHS 18.66

$1.67 Rp 29.6K

-1.20%

Water (0.33 liter bottle)

$0.49 GHS 5.48

$0.77 Rp 13.6K

-36.36%

Local Beer (0.5 liter draught)

$1.86 GHS 21.01

$2.63 Rp 46.6K

-29.28%

Imported Beer (0.33 liter bottle)

$2.27 GHS 25.65

$4.28 Rp 75.7K

-46.96%

Milk (1 liter)

$3.81 GHS 43.11

$1.55 Rp 27.3K

145.81%

White Bread (500g)

$1.80 GHS 20.34

$2.22 Rp 39.3K

-18.92%

Rice (white) (1kg)

$3.14 GHS 35.48

$1.13 Rp 19.9K

177.88%

Eggs

$2.71 GHS 30.61

$2.09 Rp 36.9K

29.67%

Local Cheese (1kg)

$12.56 GHS 142

$17.39 Rp 307.6K

-27.77%

Chicken Fillets (1kg)

$7.49 GHS 84.6

$3.87 Rp 68.4K

93.54%

Beef Round Steak (1kg)

$10.26 GHS 116

$12.55 Rp 221.9K

-18.25%

Apples (1kg)

$3.77 GHS 42.55

$3.62 Rp 63.9K

4.14%

Banana (1kg)

$1.47 GHS 16.63

$1.56 Rp 27.6K

-5.77%

Oranges (1kg)

$1.86 GHS 21.06

$2.35 Rp 41.6K

-20.85%

Tomato (1kg)

$3.75 GHS 42.42

$2.06 Rp 36.4K

82.04%

Potato (1kg)

$2.81 GHS 31.80

$1.90 Rp 33.6K

47.89%

Onion (1kg)

$2.73 GHS 30.84

$2.34 Rp 41.3K

16.67%

Lettuce (1 head)

$0.78 GHS 8.78

$1.03 Rp 18.2K

-24.27%

Water (1.5 liter bottle)

$0.62 GHS 6.95

$0.55 Rp 9,809

12.73%

Cigarettes 20 Pack (Marlboro, Camel)

$2.59 GHS 29.23

$2.25 Rp 39.8K

15.11%

Wine (Bottle)

$7.16 GHS 80.9

$23.81 Rp 421.0K

-69.93%

Local Beer (0.5 liter bottle)

$1.32 GHS 14.93

$2.31 Rp 40.9K

-42.86%

Imported Beer (0.33 liter bottle)

$2.46 GHS 27.75

$2.80 Rp 49.5K

-12.14%

One-way Ticket (Public Transport)

$0.27 Rp 4,816

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

Taxi Start (Normal Tariff)

$1.73 GHS 19.53

$0.48 Rp 8,515

260.42%

Taxi (Normal Tariff) (1km)

$1.29 GHS 14.59

$0.45 Rp 7,887

186.67%

Taxi 1hour Waiting (Normal Tariff)

$4.38 GHS 49.50

$5.72 Rp 101.1K

-23.43%

Gasoline (1 liter)

$1.39 GHS 15.73

$0.76 Rp 13.4K

82.89%

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

$8,005 GHS 90.5K

$24.5K Rp 433.0M

-67.30%

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

$10.3K GHS 116.0K

$32.1K Rp 568.0M

-68.04%

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

$74.0 GHS 836

$83.6 Rp 1.5M

-11.49%

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

$19.52 GHS 221

$6.46 Rp 114.2K

202.17%

Internet (50+ Mbps, Unlimited Data)

$43.23 GHS 489

$18.99 Rp 335.9K

127.65%

Gym Membership (Monthly)

$56.0 Rp 989.8K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

Cinema Ticket

$13.10 GHS 148

$4.28 Rp 75.7K

206.07%

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

$468 GHS 5,294

$487 Rp 8.6M

-3.71%

International Primary School, 1 Child (Yearly)

$18.5K GHS 208.8K

$5,856 Rp 103.6M

215.53%

Jeans (Levis 501 Or Similar)

$14.64 GHS 165

$45.56 Rp 805.6K

-67.87%

Summer Dress (H&M, Zara, etc)

$19.45 GHS 220

$36.38 Rp 643.3K

-46.54%

Sport Shoes (Adidas, Nike)

$37.21 GHS 420

$82.0 Rp 1.4M

-54.60%

Men's Leather Business Shoes

$55.0 GHS 621

$80.4 Rp 1.4M

-31.65%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

13.78

94.12%

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

Last update for Elmina: August 31, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A mid-range dinner for two costs $53.0 in Elmina versus $39.00 in Ubud, Bali. Groceries tell a different story – $290 in Elmina vs $293 in Ubud, Bali – so Elmina wins on supermarket bills even if dining out costs more.

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

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

Yes – Ubud, Bali is pricier by about 105%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,021 per month in Elmina and $2,095 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $53.0 in Elmina and $39.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 1% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Elmina, where all-in costs run around $680, than in Ubud, Bali at $1,396. In Elmina it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Elmina – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Elmina. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.