Last update: Oct 2026

Cost of Living Comparison Between Hamburg and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,326 in Hamburg, rent and utilities included – about $11,700 less a year. Rent and utilities account for about half of the difference.

114

Cost of Living Index in Hamburg
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Hamburg Living Index
66

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

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Hamburg

🇩🇪 Germany

$2,326

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

A single person spends $2,326 per month in Hamburg vs $1,348 in Ubud, Bali, rent included.

Hamburg $2,326
Ubud, Bali $1,348

A couple spends around $3,471 per month in Hamburg vs $2,312 in Ubud, Bali, rent included.

Hamburg $3,471
Ubud, Bali $2,312

A family of three spends $4,615 per month in Hamburg vs $3,276 in Ubud, Bali, rent included.

Hamburg $4,615
Ubud, Bali $3,276

Hamburg costs about 73% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Hamburg and Ubud, Bali sit above the global median – Hamburg by 74%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$16.94 €15.12

$3.33 Rp 59.6K

408.71%

Three-Course Dinner for Two, Mid-Range

$70.4 €62.9

$35.42 Rp 633.1K

98.87%

Fast Food Meal (McDonalds, etc)

$13.71 €12.23

$5.76 Rp 102.9K

138.02%

Cappuccino

$4.62 €4.12

$2.63 Rp 47.0K

75.67%

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

$4.04 €3.60

$1.74 Rp 31.0K

132.18%

Water (0.33 liter bottle)

$3.41 €3.04

$0.77 Rp 13.8K

342.86%

Local Beer (0.5 liter draught)

$5.51 €4.92

$2.71 Rp 48.4K

103.32%

Imported Beer (0.33 liter bottle)

$4.68 €4.17

$4.52 Rp 80.8K

3.54%

Milk (1 liter)

$1.26 €1.12

$1.53 Rp 27.4K

-17.65%

White Bread (500g)

$2.57 €2.30

$2.20 Rp 39.2K

16.82%

Rice (white) (1kg)

$2.81 €2.51

$1.22 Rp 21.8K

130.33%

Eggs

$4.39 €3.92

$2.14 Rp 38.2K

105.14%

Local Cheese (1kg)

$12.28 €10.96

$17.73 Rp 316.9K

-30.74%

Chicken Fillets (1kg)

$12.06 €10.76

$3.86 Rp 68.9K

212.44%

Beef Round Steak (1kg)

$18.80 €16.77

$12.03 Rp 215.0K

56.28%

Apples (1kg)

$3.19 €2.84

$3.61 Rp 64.5K

-11.63%

Banana (1kg)

$2.48 €2.21

$1.51 Rp 27.1K

64.24%

Oranges (1kg)

$2.93 €2.62

$2.32 Rp 41.4K

26.29%

Tomato (1kg)

$4.29 €3.83

$2.00 Rp 35.8K

114.50%

Potato (1kg)

$1.93 €1.72

$1.81 Rp 32.4K

6.63%

Onion (1kg)

$1.84 €1.64

$2.39 Rp 42.7K

-23.01%

Lettuce (1 head)

$1.74 €1.55

$0.99 Rp 17.8K

75.76%

Water (1.5 liter bottle)

$1.15 €1.02

$0.52 Rp 9,373

121.15%

Cigarettes 20 Pack (Marlboro, Camel)

$10.22 €9.12

$2.18 Rp 39.0K

368.81%

Wine (Bottle)

$6.89 €6.15

$22.98 Rp 410.7K

-70.02%

Local Beer (0.5 liter bottle)

$1.13 €1.01

$2.40 Rp 42.8K

-52.92%

Imported Beer (0.33 liter bottle)

$1.31 €1.17

$3.00 Rp 53.6K

-56.33%

One-way Ticket (Public Transport)

$4.25 €3.79

$0.24 Rp 4,255

1670.83%

Public Transport Monthly Pass (Regular Price)

$69.3 €61.9

$6.99 Rp 125.0K

891.99%

Taxi Start (Normal Tariff)

$6.70 €5.98

$0.44 Rp 7,876

1422.73%

Taxi (Normal Tariff) (1km)

$3.09 €2.76

$0.42 Rp 7,582

635.71%

Taxi 1hour Waiting (Normal Tariff)

$42.66 €38.07

$5.45 Rp 97.4K

682.75%

Gasoline (1 liter)

$2.30 €2.05

$0.84 Rp 15.1K

173.81%

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

$32.5K €29.0K

$24.3K Rp 434.8M

33.68%

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

$38.0K €33.9K

$31.9K Rp 570.0M

19.15%

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

$378 €337

$80.8 Rp 1.4M

367.65%

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

$19.88 €17.74

$6.58 Rp 117.6K

202.13%

Internet (50+ Mbps, Unlimited Data)

$39.30 €35.07

$18.24 Rp 326.1K

115.46%

Gym Membership (Monthly)

$46.12 €41.15

$55.1 Rp 985.4K

-16.34%

Tennis Court (1 Hour on Weekend)

$28.84 €25.74

$18.51 Rp 330.9K

55.81%

Cinema Ticket

$16.25 €14.50

$4.24 Rp 75.9K

283.25%

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

$499 €445

$486 Rp 8.7M

2.68%

International Primary School, 1 Child (Yearly)

$14.0K €12.5K

$5,676 Rp 101.5M

146.00%

Jeans (Levis 501 Or Similar)

$84.7 €75.6

$45.18 Rp 807.6K

87.43%

Summer Dress (H&M, Zara, etc)

$36.82 €32.86

$34.57 Rp 617.9K

6.51%

Sport Shoes (Adidas, Nike)

$97.2 €86.8

$79.2 Rp 1.4M

22.83%

Men's Leather Business Shoes

$117 €105

$77.6 Rp 1.4M

51.34%

1-bedroom Apartment, City Center (Monthly)

$1,302 €1,162

$1,127 Rp 20.1M

15.57%

1-bedroom Apartment, Outside City Center (Monthly)

$941 €840

$674 Rp 12.1M

39.62%

3-bedroom Apartment, City Center (Monthly)

$2,283 €2,038

$3,618 Rp 64.7M

-36.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,665 €1,486

$1,735 Rp 31.0M

-3.99%

Buy Apartment in City Center (m2)

$9,758 €8,708

$2,829 Rp 50.6M

244.93%

Buy Apartment Outside City Center (m2)

$5,004 €4,466

$2,307 Rp 41.2M

116.94%

Average Monthly Net Salary (After Tax)

$3,643 €3,251

$166 Rp 3.0M

2099.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.69

13.78

-73.22%

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

Last update for Hamburg: October 3, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Hamburg

$941 40%

Ubud, Bali

$674 49.6% 28.4% $267

Monthly Utilities & Internet

Hamburg

$437 18.6%

Ubud, Bali

$106 7.8% 75.8% $332

Groceries & Markets

Hamburg

$337 14.3%

Ubud, Bali

$290 21.4% 13.9% $47

Eating Out

Hamburg

$299 12.7%

Ubud, Bali

$108 8% 63.8% $191

Clothing & Footwear

Hamburg

$151 6.4%

Ubud, Bali

$106 7.8% 29.6% $45

Getting Around

Hamburg

$108 4.6%

Ubud, Bali

$11 0.8% 90.3% $98

Sport & Entertainment

Hamburg

$79 3.3%

Ubud, Bali

$64 4.7% 19.1% $15

Cost Breakdown

A central one-bedroom costs $1,302 in Hamburg versus $1,127 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 2099% higher in Hamburg, 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 $70.0 in Hamburg versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $337 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇩🇪 Hamburg

🇮🇩 Ubud, Bali

🕒 Local time

12:33 12:33 PM

18:33 6:33 PM

6 h ahead of Hamburg

🌤 Weather

👥 Population

1,812,709

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

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 EUR in detail →

On the map

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Between locations

Hamburg Ubud, Bali 11,770 km ≈ 15 h nonstop flight

From you

Hamburg
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

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

Hamburg costs about 73% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,489 per month in Hamburg and $2,022 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.

Monthly expenses with rent come to $2,326 in Hamburg and $1,348 in Ubud, Bali. That's a gap of about 73%.

Public transport costs about 892% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,348, than in Hamburg at $2,326. In Ubud, Bali it covers expenses comfortably, while in Hamburg it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,348 versus $2,326 in Hamburg. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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, Hamburg makes more sense. Both are solid long-term options with distinct trade-offs.