Last update: Oct 2026

Cost of Living Comparison Between Ghana and Ubud, Bali

For one person, living is cheaper in Ghana: $967 a month against $1,348 in Ubud, Bali, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

48

Cost of Living Index in Ghana
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Ghana Living Index
66

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

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🇬🇭 Ghana

$967

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

😐 Solo nomad: Ghana is 27.3% more expensive than Ubud, Bali without rent, and 28.3% cheaper with rent.

😐 Family of 3: Ghana is 12.3% more expensive than Ubud, Bali without rent, and 35.7% cheaper with rent.

Meal at Budget Restaurant

$6.87 GHS 80.7

$3.33 Rp 59.6K

106.31%

Three-Course Dinner for Two, Mid-Range

$51.0 GHS 599

$35.42 Rp 633.1K

43.96%

Fast Food Meal (McDonalds, etc)

$10.32 GHS 121

$5.76 Rp 102.9K

79.17%

Cappuccino

$3.85 GHS 45.29

$2.63 Rp 47.0K

46.39%

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

$1.12 GHS 13.13

$1.74 Rp 31.0K

-35.63%

Water (0.33 liter bottle)

$0.44 GHS 5.15

$0.77 Rp 13.8K

-42.86%

Local Beer (0.5 liter draught)

$1.69 GHS 19.81

$2.71 Rp 48.4K

-37.64%

Imported Beer (0.33 liter bottle)

$2.58 GHS 30.33

$4.52 Rp 80.8K

-42.92%

Milk (1 liter)

$3.25 GHS 38.14

$1.53 Rp 27.4K

112.42%

White Bread (500g)

$1.52 GHS 17.82

$2.20 Rp 39.2K

-30.91%

Rice (white) (1kg)

$2.81 GHS 33.02

$1.22 Rp 21.8K

130.33%

Eggs

$2.65 GHS 31.18

$2.14 Rp 38.2K

23.83%

Local Cheese (1kg)

$11.08 GHS 130

$17.73 Rp 316.9K

-37.51%

Chicken Fillets (1kg)

$5.57 GHS 65.5

$3.86 Rp 68.9K

44.30%

Beef Round Steak (1kg)

$7.52 GHS 88.3

$12.03 Rp 215.0K

-37.49%

Apples (1kg)

$2.90 GHS 34.04

$3.61 Rp 64.5K

-19.67%

Banana (1kg)

$1.36 GHS 16.02

$1.51 Rp 27.1K

-9.93%

Oranges (1kg)

$1.70 GHS 20.02

$2.32 Rp 41.4K

-26.72%

Tomato (1kg)

$3.09 GHS 36.34

$2.00 Rp 35.8K

54.50%

Potato (1kg)

$2.83 GHS 33.22

$1.81 Rp 32.4K

56.35%

Onion (1kg)

$2.30 GHS 27.07

$2.39 Rp 42.7K

-3.77%

Lettuce (1 head)

$0.93 GHS 10.98

$0.99 Rp 17.8K

-6.06%

Water (1.5 liter bottle)

$0.62 GHS 7.23

$0.52 Rp 9,373

19.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.19 GHS 25.69

$2.18 Rp 39.0K

0.46%

Wine (Bottle)

$6.93 GHS 81.5

$22.98 Rp 410.7K

-69.84%

Local Beer (0.5 liter bottle)

$1.39 GHS 16.34

$2.40 Rp 42.8K

-42.08%

Imported Beer (0.33 liter bottle)

$2.46 GHS 28.88

$3.00 Rp 53.6K

-18.00%

One-way Ticket (Public Transport)

$1.31 GHS 15.44

$0.24 Rp 4,255

445.83%

Public Transport Monthly Pass (Regular Price)

$40.32 GHS 474

$6.99 Rp 125.0K

476.82%

Taxi Start (Normal Tariff)

$1.59 GHS 18.64

$0.44 Rp 7,876

261.36%

Taxi (Normal Tariff) (1km)

$1.30 GHS 15.28

$0.42 Rp 7,582

209.52%

Taxi 1hour Waiting (Normal Tariff)

$3.66 GHS 43.00

$5.45 Rp 97.4K

-32.84%

Gasoline (1 liter)

$1.20 GHS 14.05

$0.84 Rp 15.1K

42.86%

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

$7,933 GHS 93.2K

$24.3K Rp 434.8M

-67.39%

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

$9,624 GHS 113.1K

$31.9K Rp 570.0M

-69.82%

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

$77.5 GHS 911

$80.8 Rp 1.4M

-4.12%

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

$18.86 GHS 222

$6.58 Rp 117.6K

186.63%

Internet (50+ Mbps, Unlimited Data)

$46.60 GHS 548

$18.24 Rp 326.1K

155.48%

Gym Membership (Monthly)

$60.5 GHS 710

$55.1 Rp 985.4K

9.65%

Tennis Court (1 Hour on Weekend)

$18.16 GHS 213

$18.51 Rp 330.9K

-1.89%

Cinema Ticket

$12.17 GHS 143

$4.24 Rp 75.9K

187.03%

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

$410 GHS 4,815

$486 Rp 8.7M

-15.62%

International Primary School, 1 Child (Yearly)

$15.1K GHS 177.9K

$5,676 Rp 101.5M

166.79%

Jeans (Levis 501 Or Similar)

$13.50 GHS 159

$45.18 Rp 807.6K

-70.12%

Summer Dress (H&M, Zara, etc)

$18.00 GHS 212

$34.57 Rp 617.9K

-47.93%

Sport Shoes (Adidas, Nike)

$37.73 GHS 443

$79.2 Rp 1.4M

-52.33%

Men's Leather Business Shoes

$51.1 GHS 600

$77.6 Rp 1.4M

-34.21%

1-bedroom Apartment, City Center (Monthly)

$546 GHS 6,411

$1,127 Rp 20.1M

-51.57%

1-bedroom Apartment, Outside City Center (Monthly)

$242 GHS 2,839

$674 Rp 12.1M

-64.16%

3-bedroom Apartment, City Center (Monthly)

$1,058 GHS 12.4K

$3,618 Rp 64.7M

-70.75%

3-bedroom Apartment, Outside City Center (Monthly)

$408 GHS 4,799

$1,735 Rp 31.0M

-76.45%

Buy Apartment in City Center (m2)

$3,216 GHS 37.8K

$2,829 Rp 50.6M

13.70%

Buy Apartment Outside City Center (m2)

$1,745 GHS 20.5K

$2,307 Rp 41.2M

-24.33%

Average Monthly Net Salary (After Tax)

$242 GHS 2,838

$166 Rp 3.0M

45.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

28.8

13.78

109.00%

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

Last update for Ghana: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Groceries & Markets

Ghana

$248 25.4%

Ubud, Bali

$290 21.4% 17% $42

Accommodation & Living

Ghana

$242 24.7%

Ubud, Bali

$674 49.6% 179% $433

Eating Out

Ghana

$152 15.6%

Ubud, Bali

$108 8% 28.9% $44

Monthly Utilities & Internet

Ghana

$143 14.6%

Ubud, Bali

$106 7.8% 26.1% $37

Sport & Entertainment

Ghana

$85 8.7%

Ubud, Bali

$64 4.7% 25% $21

Clothing & Footwear

Ghana

$54 5.5%

Ubud, Bali

$106 7.8% 96.6% $52

Getting Around

Ghana

$54 5.5%

Ubud, Bali

$11 0.8% 80.4% $43

Good to know

🇬🇭 Ghana

🇮🇩 Ubud, Bali

🕒 Local time

12:35 12:35 PM

20:35 8:35 PM

8 h ahead of Ghana

🌤 Weather

👥 Population

32,833,031

74,800

💱 Currency

Ghanaian Cedi GHS ₵

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 GHS = 8.51 USD

100 GHS = 7.59 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 10, 2026: 1 USD = 11.75 GHS (100 GHS = 8.51 USD). 1 EUR = 13.17 GHS (100 GHS = 7.59 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

USD to GHS in detail →

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