Last update: Oct 2026

Cost of Living Comparison Between Hamamatsu and Ubud, Bali

For one person, living is cheaper in Hamamatsu: $783 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

38

Cost of Living Index in Hamamatsu
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Hamamatsu Living Index
65

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

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Hamamatsu

🇯🇵 Japan

$783

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $783 in Hamamatsu versus $1,349 in Ubud, Bali.

Hamamatsu $783
Ubud, Bali $1,349

Estimated couple costs with rent: $1,266 in Hamamatsu versus $2,305 in Ubud, Bali.

Hamamatsu $1,266
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,750 in Hamamatsu versus $3,261 in Ubud, Bali.

Hamamatsu $1,750
Ubud, Bali $3,261

Living in Hamamatsu costs roughly 42% less than in Ubud, Bali, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$3.90 ¥614

$3.32 Rp 60.2K

17.47%

Three-Course Dinner for Two, Mid-Range

$41.78 ¥6,581

$35.64 Rp 645.8K

17.23%

Fast Food Meal (McDonalds, etc)

$5.19 ¥818

$5.53 Rp 100.3K

-6.15%

Cappuccino

$3.41 ¥538

$2.72 Rp 49.3K

25.37%

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

$1.10 ¥173

$1.70 Rp 30.8K

-35.29%

Water (0.33 liter bottle)

$0.75 ¥118

$0.76 Rp 13.8K

-1.32%

Local Beer (0.5 liter draught)

$2.61 ¥411

$2.65 Rp 48.1K

-1.51%

Imported Beer (0.33 liter bottle)

$3.11 ¥489

$4.38 Rp 79.4K

-29.00%

Milk (1 liter)

$1.08 ¥170

$1.49 Rp 27.0K

-27.52%

White Bread (500g)

$1.70 ¥267

$2.28 Rp 41.2K

-25.44%

Rice (white) (1kg)

$3.67 ¥578

$1.19 Rp 21.6K

208.40%

Eggs

$1.68 ¥265

$2.04 Rp 36.9K

-17.65%

Local Cheese (1kg)

$10.25 ¥1,615

$17.70 Rp 320.8K

-42.09%

Chicken Fillets (1kg)

$6.17 ¥971

$3.96 Rp 71.8K

55.81%

Beef Round Steak (1kg)

$14.24 ¥2,242

$12.19 Rp 220.9K

16.82%

Apples (1kg)

$5.80 ¥914

$3.66 Rp 66.2K

58.47%

Banana (1kg)

$2.84 ¥447

$1.52 Rp 27.5K

86.84%

Oranges (1kg)

$2.95 ¥465

$2.23 Rp 40.4K

32.29%

Tomato (1kg)

$4.30 ¥678

$1.97 Rp 35.7K

118.27%

Potato (1kg)

$2.61 ¥412

$1.85 Rp 33.5K

41.08%

Onion (1kg)

$2.59 ¥407

$2.42 Rp 43.9K

7.02%

Lettuce (1 head)

$1.29 ¥204

$0.99 Rp 17.9K

30.30%

Water (1.5 liter bottle)

$0.66 ¥104

$0.51 Rp 9,303

29.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.89 ¥612

$2.22 Rp 40.3K

75.23%

Wine (Bottle)

$6.39 ¥1,006

$22.24 Rp 403.0K

-71.27%

Local Beer (0.5 liter bottle)

$1.82 ¥287

$2.26 Rp 41.0K

-19.47%

Imported Beer (0.33 liter bottle)

$2.10 ¥331

$2.97 Rp 53.8K

-29.29%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

Public Transport Monthly Pass (Regular Price)

$50.1 ¥7,896

$7.82 Rp 141.8K

541.05%

Taxi Start (Normal Tariff)

$3.11 ¥489

$0.44 Rp 7,964

606.82%

Taxi (Normal Tariff) (1km)

$2.63 ¥414

$0.43 Rp 7,793

511.63%

Taxi 1hour Waiting (Normal Tariff)

$20.62 ¥3,248

$5.41 Rp 98.0K

281.15%

Gasoline (1 liter)

$1.06 ¥167

$0.82 Rp 14.9K

29.27%

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

$21.6K ¥3.4M

$23.8K Rp 432.0M

-9.41%

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

$15.8K ¥2.5M

$31.7K Rp 575.3M

-50.14%

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

$130 ¥20.5K

$79.1 Rp 1.4M

64.96%

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

$8.59 ¥1,353

$6.45 Rp 116.8K

33.18%

Internet (50+ Mbps, Unlimited Data)

$32.78 ¥5,164

$18.58 Rp 336.7K

76.43%

Gym Membership (Monthly)

$49.48 Rp 896.7K

Tennis Court (1 Hour on Weekend)

$17.40 ¥2,741

$17.65 Rp 319.8K

-1.42%

Cinema Ticket

$13.08 ¥2,060

$4.27 Rp 77.4K

206.32%

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

$819 ¥129.0K

$491 Rp 8.9M

67.01%

International Primary School, 1 Child (Yearly)

$14.8K ¥2.3M

$5,674 Rp 102.8M

161.51%

Jeans (Levis 501 Or Similar)

$63.6 ¥10.0K

$44.64 Rp 808.9K

42.54%

Summer Dress (H&M, Zara, etc)

$37.10 ¥5,844

$34.95 Rp 633.4K

6.15%

Sport Shoes (Adidas, Nike)

$61.3 ¥9,655

$79.9 Rp 1.4M

-23.29%

Men's Leather Business Shoes

$103 ¥16.2K

$79.4 Rp 1.4M

29.88%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

Buy Apartment in City Center (m2)

$7,787 ¥1.2M

$2,732 Rp 49.5M

185.07%

Buy Apartment Outside City Center (m2)

$5,298 ¥834.5K

$2,284 Rp 41.4M

131.96%

Average Monthly Net Salary (After Tax)

$1,602 ¥252.4K

$164 Rp 3.0M

878.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.64

13.78

-80.84%

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

Last update for Hamamatsu: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Hamamatsu

$285 36.4%

Ubud, Bali

$288 21.4% 1.2% $3.5

Monthly Utilities & Internet

Hamamatsu

$172 21.9%

Ubud, Bali

$104 7.7% 39.4% $68

Clothing & Footwear

Hamamatsu

$119 15.2%

Ubud, Bali

$108 8% 9.9% $12

Eating Out

Hamamatsu

$114 14.6%

Ubud, Bali

$108 8% 5.8% $6.7

Getting Around

Hamamatsu

$66 * 8.5%

Ubud, Bali

$11 0.9% 82.8% $55

Sport & Entertainment

Hamamatsu

$26 * 3.3%

Ubud, Bali

$58 4.3% 122% $32

Accommodation & Living

Hamamatsu

- * 0%

Ubud, Bali

$672 49.8%

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

Cost Breakdown

Hamamatsu pays about 9.8 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $42 in Hamamatsu vs $36 in Ubud, Bali. Groceries flip the comparison at $285 vs $288, with Hamamatsu cheaper for home cooking.

Good to know

🇯🇵 Hamamatsu

🇮🇩 Ubud, Bali

🕒 Local time

19:43 7:43 PM

18:43 6:43 PM

1 h behind Hamamatsu

🌤 Weather

👥 Population

797,033

74,800

💱 Currency

Japanese Yen JPY ¥

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 JPY = 6.35 USD

1,000 JPY = 5.69 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of November 1, 2026: 1 USD = 158 JPY (1,000 JPY = 6.35 USD). 1 EUR = 176 JPY (1,000 JPY = 5.69 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to JPY in detail →

On the map

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Between locations

Hamamatsu Ubud, Bali 5,360 km ≈ 7 h nonstop flight

From you

Hamamatsu
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

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

Total monthly costs including rent come to $783 in Hamamatsu and $1,349 in Ubud, Bali, so Hamamatsu is about 42% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Hamamatsu is about 9.8 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Childcare runs $819 in Hamamatsu versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $42 in Hamamatsu. If you eat out regularly, this makes a real dent in your monthly spending.

At $783 in Hamamatsu versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Hamamatsu but tight or insufficient in Ubud, Bali. The gap between the two cities makes Hamamatsu 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, Hamamatsu and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.