Last update: Oct 2026

Cost of Living Comparison Between Elmira, NY and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,930 in Elmira, NY, rent and utilities included – about $6,700 less a year. Rent and utilities account for about half of the difference.

94

Cost of Living Index in Elmira, NY
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Elmira, NY Living Index
67

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

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Elmira, NY

🇺🇸 United States

$1,930

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,930 per month in Elmira, NY vs $1,368 in Ubud, Bali, rent included.

Elmira, NY $1,930
Ubud, Bali $1,368

A couple spends around $2,736 per month in Elmira, NY vs $2,314 in Ubud, Bali, rent included.

Elmira, NY $2,736
Ubud, Bali $2,314

A family of three spends $3,542 per month in Elmira, NY vs $3,260 in Ubud, Bali, rent included.

Elmira, NY $3,542
Ubud, Bali $3,260

Elmira, NY costs about 41% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Elmira, NY and Ubud, Bali sit above the global median – Elmira, NY by 43%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$8.75 $8.75

$3.33 Rp 59.9K

162.76%

Three-Course Dinner for Two, Mid-Range

$95.1 $95.1

$35.18 Rp 633.2K

170.32%

Fast Food Meal (McDonalds, etc)

$12.21 $12.21

$5.80 Rp 104.5K

110.52%

Cappuccino

$5.05 $5.05

$2.73 Rp 49.1K

84.98%

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

$2.33 $2.33

$1.64 Rp 29.5K

42.07%

Water (0.33 liter bottle)

$1.47 $1.47

$0.83 Rp 15.0K

77.11%

Local Beer (0.5 liter draught)

$3.90 $3.90

$2.70 Rp 48.6K

44.44%

Imported Beer (0.33 liter bottle)

$4.94 $4.94

$4.30 Rp 77.4K

14.88%

Milk (1 liter)

$0.82 $0.82

$1.50 Rp 27.1K

-45.33%

White Bread (500g)

$2.46 $2.46

$2.30 Rp 41.4K

6.96%

Rice (white) (1kg)

$5.68 $5.68

$1.18 Rp 21.2K

381.36%

Eggs

$2.77 $2.77

$2.14 Rp 38.6K

29.44%

Local Cheese (1kg)

$12.88 $12.88

$17.48 Rp 314.6K

-26.32%

Chicken Fillets (1kg)

$9.57 $9.57

$4.03 Rp 72.5K

137.47%

Beef Round Steak (1kg)

$13.42 $13.42

$12.23 Rp 220.1K

9.73%

Apples (1kg)

$4.94 $4.94

$3.55 Rp 63.9K

39.15%

Banana (1kg)

$1.10 $1.10

$1.57 Rp 28.3K

-29.94%

Oranges (1kg)

$4.60 $4.60

$2.24 Rp 40.2K

105.36%

Tomato (1kg)

$5.05 $5.05

$1.93 Rp 34.7K

161.66%

Potato (1kg)

$2.68 $2.68

$1.88 Rp 33.9K

42.55%

Onion (1kg)

$2.98 $2.98

$2.29 Rp 41.3K

30.13%

Lettuce (1 head)

$2.40 $2.40

$0.99 Rp 17.9K

142.42%

Water (1.5 liter bottle)

$2.43 $2.43

$0.53 Rp 9,475

358.49%

Cigarettes 20 Pack (Marlboro, Camel)

$12.96 $12.96

$2.28 Rp 41.1K

468.42%

Wine (Bottle)

$17.82 $17.82

$23.01 Rp 414.2K

-22.56%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.34 Rp 42.2K

-13.68%

Imported Beer (0.33 liter bottle)

$3.97 $3.97

$2.91 Rp 52.4K

36.43%

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)

$5.37 $5.37

$0.48 Rp 8,684

1018.75%

Taxi (Normal Tariff) (1km)

$2.30 $2.30

$0.46 Rp 8,233

400.00%

Taxi 1hour Waiting (Normal Tariff)

$44.27 $44.27

$5.45 Rp 98.2K

712.29%

Gasoline (1 liter)

$1.11 $1.11

$0.88 Rp 15.9K

26.14%

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

$35.6K $35.6K

$24.6K Rp 442.2M

44.84%

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

$24.7K $24.7K

$31.2K Rp 561.4M

-20.82%

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

$147 $147

$83.0 Rp 1.5M

77.40%

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

$53.3 $53.3

$6.45 Rp 116.0K

726.36%

Internet (50+ Mbps, Unlimited Data)

$67.4 $67.4

$18.57 Rp 334.2K

262.95%

Gym Membership (Monthly)

$24.51 $24.51

$55.8 Rp 1.0M

-56.09%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$10.07 $10.07

$4.38 Rp 78.9K

129.91%

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

$1,528 $1,528

$493 Rp 8.9M

209.89%

International Primary School, 1 Child (Yearly)

$32.3K $32.3K

$5,754 Rp 103.6M

461.97%

Jeans (Levis 501 Or Similar)

$33.13 $33.13

$46.19 Rp 831.4K

-28.27%

Summer Dress (H&M, Zara, etc)

$45.69 $45.69

$35.33 Rp 636.0K

29.32%

Sport Shoes (Adidas, Nike)

$78.2 $78.2

$79.1 Rp 1.4M

-1.07%

Men's Leather Business Shoes

$114 $114

$78.4 Rp 1.4M

45.10%

1-bedroom Apartment, City Center (Monthly)

$1,179 $1,179

$1,142 Rp 20.6M

3.18%

1-bedroom Apartment, Outside City Center (Monthly)

$893 $893

$676 Rp 12.2M

32.10%

3-bedroom Apartment, City Center (Monthly)

$1,485 $1,485

$3,503 Rp 63.1M

-57.61%

3-bedroom Apartment, Outside City Center (Monthly)

$1,098 $1,098

$1,700 Rp 30.6M

-35.41%

Buy Apartment in City Center (m2)

$1,112 $1,112

$2,784 Rp 50.1M

-60.07%

Buy Apartment Outside City Center (m2)

$1,090 $1,090

$2,241 Rp 40.3M

-51.37%

Average Monthly Net Salary (After Tax)

$8,355 $8,355

$165 Rp 3.0M

4977.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.52

13.78

-52.69%

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

Last update for Elmira, NY: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Elmira, NY

$893 46.3%

Ubud, Bali

$676 49.4% 24.3% $217

Groceries & Markets

Elmira, NY

$375 19.4%

Ubud, Bali

$290 21.2% 22.5% $84

Monthly Utilities & Internet

Elmira, NY

$268 13.9%

Ubud, Bali

$108 7.9% 59.7% $160

Eating Out

Elmira, NY

$212 11%

Ubud, Bali

$109 8% 48.6% $103

Clothing & Footwear

Elmira, NY

$122 6.3%

Ubud, Bali

$108 7.9% 11.7% $14

Sport & Entertainment

Elmira, NY

$45 2.3%

Ubud, Bali

$65 4.7% 44.6% $20

Getting Around

Elmira, NY

$17 * 0.9%

Ubud, Bali

$13 0.9% 25.7% $4.3

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

Cost Breakdown

A central one-bedroom costs $1,179 in Elmira, NY versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 4978% higher in Elmira, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $95.0 in Elmira, NY versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $375 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Elmira, NY

🇮🇩 Ubud, Bali

🕒 Local time

17:26 5:26 PM

05:26 5:26 AM

12 h ahead of Elmira, NY

🌤 Weather

👥 Population

26,523

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 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).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Elmira, NY Ubud, Bali 16,100 km ≈ 21 h nonstop flight

From you

Elmira, NY
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

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

Monthly costs with rent: $1,930 in Elmira, NY, $1,368 in Ubud, Bali – roughly 41% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,896 per month in Elmira, NY and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $95.0 in Elmira, NY 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 29% more in Elmira, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Elmira, NY at $1,930. In Ubud, Bali it covers expenses comfortably, while in Elmira, NY it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,368 in Ubud, Bali to $1,930 in Elmira, NY. Climate, culture, job market, and personal taste all factor in.

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