Last update: Oct 2026

Cost of Living Comparison Between Elmina and Ubud, Bali

For one person, living is cheaper in Elmina: $668 a month against $1,368 in Ubud, Bali, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Elmina
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Elmina Living Index
67

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

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Elmina

🇬🇭 Ghana

$668

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $668 per month in Elmina vs $1,368 in Ubud, Bali, rent included.

Elmina $668
Ubud, Bali $1,368

A couple spends around $1,125 per month in Elmina vs $2,314 in Ubud, Bali, rent included.

Elmina $1,125
Ubud, Bali $2,314

A family of three spends $1,582 per month in Elmina vs $3,260 in Ubud, Bali, rent included.

Elmina $1,582
Ubud, Bali $3,260

Elmina is about 51% cheaper than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Elmina sits 51% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.82 GHS 91.0

$3.33 Rp 59.9K

134.83%

Three-Course Dinner for Two, Mid-Range

$50.8 GHS 591

$35.18 Rp 633.2K

44.51%

Fast Food Meal (McDonalds, etc)

$10.26 GHS 119

$5.80 Rp 104.5K

76.90%

Cappuccino

$4.46 GHS 51.9

$2.73 Rp 49.1K

63.37%

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

$1.53 GHS 17.85

$1.64 Rp 29.5K

-6.71%

Water (0.33 liter bottle)

$0.44 GHS 5.12

$0.83 Rp 15.0K

-46.99%

Local Beer (0.5 liter draught)

$1.81 GHS 21.03

$2.70 Rp 48.6K

-32.96%

Imported Beer (0.33 liter bottle)

$2.17 GHS 25.19

$4.30 Rp 77.4K

-49.53%

Milk (1 liter)

$3.67 GHS 42.68

$1.50 Rp 27.1K

144.67%

White Bread (500g)

$1.67 GHS 19.37

$2.30 Rp 41.4K

-27.39%

Rice (white) (1kg)

$3.06 GHS 35.63

$1.18 Rp 21.2K

159.32%

Eggs

$2.68 GHS 31.21

$2.14 Rp 38.6K

25.23%

Local Cheese (1kg)

$12.03 GHS 140

$17.48 Rp 314.6K

-31.18%

Chicken Fillets (1kg)

$7.08 GHS 82.3

$4.03 Rp 72.5K

75.68%

Beef Round Steak (1kg)

$9.62 GHS 112

$12.23 Rp 220.1K

-21.34%

Apples (1kg)

$3.61 GHS 41.93

$3.55 Rp 63.9K

1.69%

Banana (1kg)

$1.40 GHS 16.32

$1.57 Rp 28.3K

-10.83%

Oranges (1kg)

$1.77 GHS 20.58

$2.24 Rp 40.2K

-20.98%

Tomato (1kg)

$3.56 GHS 41.44

$1.93 Rp 34.7K

84.46%

Potato (1kg)

$2.69 GHS 31.29

$1.88 Rp 33.9K

43.09%

Onion (1kg)

$2.65 GHS 30.82

$2.29 Rp 41.3K

15.72%

Lettuce (1 head)

$0.72 GHS 8.34

$0.99 Rp 17.9K

-27.27%

Water (1.5 liter bottle)

$0.60 GHS 7.02

$0.53 Rp 9,475

13.21%

Cigarettes 20 Pack (Marlboro, Camel)

$2.51 GHS 29.19

$2.28 Rp 41.1K

10.09%

Wine (Bottle)

$7.06 GHS 82.1

$23.01 Rp 414.2K

-69.32%

Local Beer (0.5 liter bottle)

$1.21 GHS 14.10

$2.34 Rp 42.2K

-48.29%

Imported Beer (0.33 liter bottle)

$2.33 GHS 27.14

$2.91 Rp 52.4K

-19.93%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$1.74 GHS 20.29

$0.48 Rp 8,684

262.50%

Taxi (Normal Tariff) (1km)

$1.26 GHS 14.65

$0.46 Rp 8,233

173.91%

Taxi 1hour Waiting (Normal Tariff)

$4.30 GHS 50.0

$5.45 Rp 98.2K

-21.10%

Gasoline (1 liter)

$1.34 GHS 15.58

$0.88 Rp 15.9K

52.27%

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

$7,913 GHS 92.0K

$24.6K Rp 442.2M

-67.79%

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

$9,662 GHS 112.4K

$31.2K Rp 561.4M

-69.02%

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

$73.7 GHS 857

$83.0 Rp 1.5M

-11.22%

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

$19.07 GHS 222

$6.45 Rp 116.0K

195.66%

Internet (50+ Mbps, Unlimited Data)

$42.25 GHS 491

$18.57 Rp 334.2K

127.52%

Gym Membership (Monthly)

$55.8 Rp 1.0M

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$12.66 GHS 147

$4.38 Rp 78.9K

189.04%

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

$470 GHS 5,464

$493 Rp 8.9M

-4.69%

International Primary School, 1 Child (Yearly)

$18.6K GHS 216.6K

$5,754 Rp 103.6M

223.65%

Jeans (Levis 501 Or Similar)

$14.18 GHS 165

$46.19 Rp 831.4K

-69.30%

Summer Dress (H&M, Zara, etc)

$18.59 GHS 216

$35.33 Rp 636.0K

-47.38%

Sport Shoes (Adidas, Nike)

$36.74 GHS 427

$79.1 Rp 1.4M

-53.55%

Men's Leather Business Shoes

$52.0 GHS 605

$78.4 Rp 1.4M

-33.65%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$165 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: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Elmina

$276 41.4%

Ubud, Bali

$290 21.2% 5.1% $14

Eating Out

Elmina

$168 25.2%

Ubud, Bali

$109 8% 35.3% $59

Monthly Utilities & Internet

Elmina

$135 20.2%

Ubud, Bali

$108 7.9% 20% $27

Clothing & Footwear

Elmina

$55 8.2%

Ubud, Bali

$108 7.9% 96.7% $53

Sport & Entertainment

Elmina

$25 * 3.8%

Ubud, Bali

$65 4.7% 155% $39

Getting Around

Elmina

$8 * 1.2%

Ubud, Bali

$13 0.9% 56.1% $4.5

Accommodation & Living

Elmina

- * 0%

Ubud, Bali

$676 49.4%

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

Cost Breakdown

A mid-range dinner for two costs $51.0 in Elmina versus $35.00 in Ubud, Bali. Groceries tell a different story – $276 in Elmina vs $290 in Ubud, Bali – so Elmina wins on supermarket bills even if dining out costs more.

Good to know

🇬🇭 Elmina

🇮🇩 Ubud, Bali

🕒 Local time

11:36 11:36 AM

19:36 7:36 PM

8 h ahead of Elmina

🌤 Weather

👥 Population

34,403

74,800

💱 Currency

Ghanaian Cedi GHS ₵

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 19, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to GHS in detail →

On the map

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Highest

Between locations

Elmina Ubud, Bali 13,010 km ≈ 17 h nonstop flight

From you

Elmina
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

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

Yes – Ubud, Bali is pricier by about 105%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,001 per month in Elmina and $2,051 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 $51.0 in Elmina and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 5% 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 $668, than in Ubud, Bali at $1,368. 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.