Last update: Oct 2026

Cost of Living Comparison Between Frederick, MD and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,554 in Frederick, MD, rent and utilities included – about $14,400 less a year. Rent and utilities account for most of the difference.

124

Cost of Living Index in Frederick, MD
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Frederick, MD Living Index
66

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

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Frederick, MD

🇺🇸 United States

$2,554

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,554 in Frederick, MD versus $1,353 in Ubud, Bali.

Frederick, MD $2,554
Ubud, Bali $1,353

Estimated couple costs with rent: $4,056 in Frederick, MD versus $2,297 in Ubud, Bali.

Frederick, MD $4,056
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $5,558 in Frederick, MD versus $3,241 in Ubud, Bali.

Frederick, MD $5,558
Ubud, Bali $3,241

Living in Frederick, MD is roughly 89% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Frederick, MD 88% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$18.14 $18.14

$3.23 Rp 58.1K

461.61%

Three-Course Dinner for Two, Mid-Range

$90.9 $90.9

$34.88 Rp 627.8K

160.49%

Fast Food Meal (McDonalds, etc)

$9.90 $9.90

$5.70 Rp 102.5K

73.68%

Cappuccino

$4.62 $4.62

$2.62 Rp 47.1K

76.34%

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

$3.13 $3.13

$1.72 Rp 31.0K

81.98%

Water (0.33 liter bottle)

$1.99 $1.99

$0.81 Rp 14.6K

145.68%

Local Beer (0.5 liter draught)

$5.99 $5.99

$2.65 Rp 47.7K

126.04%

Imported Beer (0.33 liter bottle)

$7.32 $7.32

$4.37 Rp 78.6K

67.51%

Milk (1 liter)

$0.99 $0.99

$1.57 Rp 28.3K

-36.94%

White Bread (500g)

$4.32 $4.32

$2.19 Rp 39.5K

97.26%

Rice (white) (1kg)

$4.62 $4.62

$1.18 Rp 21.2K

291.53%

Eggs

$3.81 $3.81

$2.16 Rp 38.8K

76.39%

Local Cheese (1kg)

$12.96 $12.96

$17.65 Rp 317.7K

-26.57%

Chicken Fillets (1kg)

$11.26 $11.26

$3.78 Rp 68.0K

197.88%

Beef Round Steak (1kg)

$14.56 $14.56

$11.95 Rp 215.1K

21.84%

Apples (1kg)

$5.51 $5.51

$3.60 Rp 64.8K

53.06%

Banana (1kg)

$1.56 $1.56

$1.59 Rp 28.6K

-1.89%

Oranges (1kg)

$4.42 $4.42

$2.31 Rp 41.6K

91.34%

Tomato (1kg)

$5.88 $5.88

$1.91 Rp 34.3K

207.85%

Potato (1kg)

$3.18 $3.18

$1.78 Rp 32.1K

78.65%

Onion (1kg)

$3.82 $3.82

$2.33 Rp 41.9K

63.95%

Lettuce (1 head)

$3.39 $3.39

$1.00 Rp 18.0K

239.00%

Water (1.5 liter bottle)

$2.35 $2.35

$0.53 Rp 9,509

343.40%

Cigarettes 20 Pack (Marlboro, Camel)

$9.80 $9.80

$2.29 Rp 41.1K

327.95%

Wine (Bottle)

$16.75 $16.75

$22.07 Rp 397.3K

-24.11%

Local Beer (0.5 liter bottle)

$1.72 $1.72

$2.35 Rp 42.2K

-26.81%

Imported Beer (0.33 liter bottle)

$2.95 $2.95

$2.98 Rp 53.6K

-1.01%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$4.02 $4.02

$0.47 Rp 8,466

755.32%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$0.43 Rp 7,737

181.40%

Taxi 1hour Waiting (Normal Tariff)

$24.90 $24.90

$5.47 Rp 98.4K

355.21%

Gasoline (1 liter)

$0.95 $0.95

$0.83 Rp 14.9K

14.46%

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

$29.0K $29.0K

$23.9K Rp 429.8M

21.65%

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

$25.9K $25.9K

$32.8K Rp 590.1M

-21.08%

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

$107 $107

$80.0 Rp 1.4M

33.69%

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

$47.62 $47.62

$6.56 Rp 118.1K

625.91%

Internet (50+ Mbps, Unlimited Data)

$61.7 $61.7

$18.60 Rp 334.8K

231.56%

Gym Membership (Monthly)

$41.51 $41.51

$54.1 Rp 974.1K

-23.30%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$14.57 $14.57

$4.25 Rp 76.5K

242.82%

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

$1,615 $1,615

$493 Rp 8.9M

227.83%

International Primary School, 1 Child (Yearly)

$36.2K $36.2K

$5,597 Rp 100.7M

547.40%

Jeans (Levis 501 Or Similar)

$37.51 $37.51

$45.58 Rp 820.4K

-17.71%

Summer Dress (H&M, Zara, etc)

$36.77 $36.77

$34.96 Rp 629.4K

5.18%

Sport Shoes (Adidas, Nike)

$96.4 $96.4

$77.7 Rp 1.4M

24.03%

Men's Leather Business Shoes

$97.5 $97.5

$78.5 Rp 1.4M

24.18%

1-bedroom Apartment, City Center (Monthly)

$1,784 $1,784

$1,131 Rp 20.4M

57.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,425 $1,425

$673 Rp 12.1M

111.72%

3-bedroom Apartment, City Center (Monthly)

$3,207 $3,207

$3,613 Rp 65.0M

-11.23%

3-bedroom Apartment, Outside City Center (Monthly)

$2,867 $2,867

$1,702 Rp 30.6M

68.48%

Buy Apartment in City Center (m2)

$2,477 $2,477

$2,717 Rp 48.9M

-8.85%

Buy Apartment Outside City Center (m2)

$2,146 $2,146

$2,241 Rp 40.3M

-4.23%

Average Monthly Net Salary (After Tax)

$5,015 $5,015

$166 Rp 3.0M

2914.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.1

13.78

-55.73%

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

Last update for Frederick, MD: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Frederick, MD

$1.4K 55.8%

Ubud, Bali

$673 49.7% 52.8% $752

Groceries & Markets

Frederick, MD

$417 16.3%

Ubud, Bali

$287 21.2% 31.1% $130

Eating Out

Frederick, MD

$295 11.6%

Ubud, Bali

$106 7.9% 63.9% $189

Monthly Utilities & Internet

Frederick, MD

$216 8.5%

Ubud, Bali

$105 7.8% 51.4% $111

Clothing & Footwear

Frederick, MD

$121 4.7%

Ubud, Bali

$107 7.9% 11.7% $14

Sport & Entertainment

Frederick, MD

$71 2.8%

Ubud, Bali

$63 4.6% 11.4% $8

Getting Around

Frederick, MD

$10 * 0.4%

Ubud, Bali

$12 0.9% 23.6% $2.4

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,784 in Frederick, MD and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Frederick, MD pays 2914% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $91.0 in Frederick, MD vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $417 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Frederick, MD

🇮🇩 Ubud, Bali

🕒 Local time

17:13 5:13 PM

05:13 5:13 AM

12 h ahead of Frederick, MD

🌤 Weather

👥 Population

72,237

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 21, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 21, 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

Frederick, MD Ubud, Bali 16,350 km ≈ 21 h nonstop flight

From you

Frederick, MD
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

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

Frederick, MD and Ubud, Bali differ by about 89% in total monthly costs ($2,554 vs $1,353 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2914% higher in Frederick, MD, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,784 in Frederick, MD versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 45% higher in Frederick, MD. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,554 per month in Frederick, MD versus $1,353 in Ubud, Bali – a 89% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $2,554 in Frederick, MD, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Frederick, MD. 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, Frederick, MD 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 89% less than in Frederick, MD. Beyond cost, consider language, visa policies, and how big the international community is in each city.