Cost of Living Comparison Between Hamamatsu and Ubud, Bali Cost of Living Comparison Between Hamamatsu and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,110 in Hamamatsu versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $1,843 in Hamamatsu versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,577 in Hamamatsu versus $3,732 in Ubud, Bali.

Living in Hamamatsu costs roughly 23% less than in Ubud, Bali, driven mainly by Getting Around.

The two cities straddle the global median: Hamamatsu is 17% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$4.82 ¥772

$3.57 Rp 61.9K

35.01%

Three-Course Dinner for Two, Mid-Range

$42.39 ¥6,786

$32.58 Rp 564.7K

30.11%

Fast Food Meal (McDonalds, etc)

$3.55 ¥568

$5.07 Rp 87.8K

-29.98%

Cappuccino

$3.08 ¥493

$2.83 Rp 49.0K

8.83%

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

$0.66 ¥106

$1.34 Rp 23.2K

-50.75%

Water (0.33 liter bottle)

$0.82 ¥131

$0.69 Rp 12.0K

18.84%

Local Beer (0.5 liter draught)

$2.09 ¥335

$2.99 Rp 51.8K

-30.10%

Imported Beer (0.33 liter bottle)

$2.72 ¥435

$3.85 Rp 66.7K

-29.35%

Milk (1 liter)

$1.53 ¥244

$1.74 Rp 30.2K

-12.07%

White Bread (500g)

$1.69 ¥270

$2.54 Rp 44.0K

-33.46%

Rice (white) (1kg)

$4.84 ¥774

$1.19 Rp 20.6K

306.72%

Eggs

$1.84 ¥295

$2.43 Rp 42.0K

-24.28%

Local Cheese (1kg)

$9.99 ¥1,600

$14.66 Rp 254.1K

-31.86%

Chicken Fillets (1kg)

$6.39 ¥1,022

$4.18 Rp 72.4K

52.87%

Beef Round Steak (1kg)

$15.47 ¥2,476

$11.94 Rp 206.9K

29.56%

Apples (1kg)

$4.14 ¥663

$3.69 Rp 63.9K

12.20%

Banana (1kg)

$2.14 ¥342

$1.61 Rp 27.8K

32.92%

Oranges (1kg)

$3.56 ¥569

$2.69 Rp 46.5K

32.34%

Tomato (1kg)

$4.13 ¥661

$2.33 Rp 40.4K

77.25%

Potato (1kg)

$3.28 ¥524

$1.91 Rp 33.0K

71.73%

Onion (1kg)

$4.34 ¥694

$2.19 Rp 37.9K

98.17%

Lettuce (1 head)

$1.39 ¥222

$1.06 Rp 18.3K

31.13%

Water (1.5 liter bottle)

$0.86 ¥138

$0.72 Rp 12.5K

19.44%

Cigarettes 20 Pack (Marlboro, Camel)

$3.49 ¥559

$3.13 Rp 54.3K

11.50%

Wine (Bottle)

$9.66 ¥1,547

$23.49 Rp 407.1K

-58.88%

Local Beer (0.5 liter bottle)

$1.77 ¥283

$2.74 Rp 47.5K

-35.40%

Imported Beer (0.33 liter bottle)

$2.05 ¥328

$2.88 Rp 49.9K

-28.82%

One-way Ticket (Public Transport)

$1.07 ¥171

$0.29 Rp 5,029

268.97%

Public Transport Monthly Pass (Regular Price)

$55.8 ¥8,932

$8.17 Rp 141.6K

582.86%

Taxi Start (Normal Tariff)

$3.45 ¥553

$0.45 Rp 7,863

666.67%

Taxi (Normal Tariff) (1km)

$3.02 ¥484

$0.42 Rp 7,305

619.05%

Taxi 1hour Waiting (Normal Tariff)

$22.35 ¥3,579

$6.16 Rp 106.7K

262.82%

Gasoline (1 liter)

$1.21 ¥193

$0.84 Rp 14.6K

44.05%

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

$20.8K ¥3.3M

$26.2K Rp 454.9M

-20.56%

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

$13.9K ¥2.2M

$32.5K Rp 562.9M

-57.17%

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

$109 ¥17.4K

$78.4 Rp 1.4M

38.36%

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

$9.90 ¥1,585

$3.95 Rp 68.5K

150.63%

Internet (50+ Mbps, Unlimited Data)

$21.21 ¥3,396

$24.40 Rp 423.0K

-13.07%

Gym Membership (Monthly)

$103 ¥16.5K

$96.5 Rp 1.7M

7.09%

Tennis Court (1 Hour on Weekend)

$18.58 ¥2,974

$6.35 Rp 110.0K

192.60%

Cinema Ticket

$13.60 ¥2,177

$4.04 Rp 70.0K

236.63%

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

$285 ¥45.6K

$303 Rp 5.2M

-5.87%

International Primary School, 1 Child (Yearly)

$14.0K ¥2.2M

$6,523 Rp 113.1M

115.39%

Jeans (Levis 501 Or Similar)

$41.48 ¥6,639

$53.8 Rp 933.1K

-22.96%

Summer Dress (H&M, Zara, etc)

$27.83 ¥4,454

$37.98 Rp 658.3K

-26.72%

Sport Shoes (Adidas, Nike)

$54.5 ¥8,716

$86.8 Rp 1.5M

-37.24%

Men's Leather Business Shoes

$104 ¥16.7K

$78.9 Rp 1.4M

32.34%

1-bedroom Apartment, City Center (Monthly)

$378 ¥60.5K

$1,012 Rp 17.5M

-62.67%

1-bedroom Apartment, Outside City Center (Monthly)

$244 ¥39.1K

$674 Rp 11.7M

-63.81%

3-bedroom Apartment, City Center (Monthly)

$881 ¥141.1K

$3,390 Rp 58.8M

-74.00%

3-bedroom Apartment, Outside City Center (Monthly)

$584 ¥93.5K

$2,098 Rp 36.4M

-72.15%

Buy Apartment in City Center (m2)

$7,566 ¥1.2M

$2,985 Rp 51.7M

153.51%

Buy Apartment Outside City Center (m2)

$5,338 ¥854.5K

$2,339 Rp 40.5M

128.20%

Average Monthly Net Salary (After Tax)

$1,413 ¥226.2K

$173 Rp 3.0M

716.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

0.95

13.28

-92.85%

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

Last update for Hamamatsu: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $378 in Hamamatsu and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamamatsu pays 716% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $42.00 in Hamamatsu vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $302 vs $298 per month, with Ubud, Bali cheaper across the board.

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

Hamamatsu and Ubud, Bali differ by about 30% in total monthly costs ($1,110 vs $1,438 including rent). Hamamatsu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Hamamatsu pays 716% more on average, 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: $378 in Hamamatsu versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Ubud, Bali pay roughly 1% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Hamamatsu – a meal for two runs $42.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,110 in Hamamatsu versus $1,438 in Ubud, Bali, a $2,000 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 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 Hamamatsu gentler on the wallet – expenses run 30% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.