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

Monthly Cost of Living

Monthly costs for one person with rent: $1,493 in Hamm versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,243 in Hamm versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,994 in Hamm versus $3,327 in Ubud, Bali.

Living in Hamm is roughly 9% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamm 9% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$13.76 €11.93

$3.44 Rp 60.8K

300.00%

Three-Course Dinner for Two, Mid-Range

$70.0 €60.6

$36.31 Rp 642.1K

92.70%

Fast Food Meal (McDonalds, etc)

$18.70 €16.20

$5.71 Rp 100.9K

227.50%

Cappuccino

$4.69 €4.06

$2.67 Rp 47.2K

75.66%

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

$2.81 €2.44

$1.75 Rp 30.9K

60.57%

Water (0.33 liter bottle)

$2.57 €2.23

$0.87 Rp 15.4K

195.40%

Local Beer (0.5 liter draught)

$2.96 €2.56

$2.95 Rp 52.2K

0.34%

Imported Beer (0.33 liter bottle)

$4.03 €3.49

$4.52 Rp 79.9K

-10.84%

Milk (1 liter)

$1.27 €1.10

$1.62 Rp 28.6K

-21.60%

White Bread (500g)

$2.08 €1.80

$2.33 Rp 41.2K

-10.73%

Rice (white) (1kg)

$3.98 €3.45

$1.11 Rp 19.6K

258.56%

Eggs

$3.62 €3.13

$2.20 Rp 38.9K

64.55%

Local Cheese (1kg)

$14.62 €12.67

$17.69 Rp 312.8K

-17.35%

Chicken Fillets (1kg)

$10.93 €9.47

$4.10 Rp 72.4K

166.59%

Beef Round Steak (1kg)

$26.35 €22.84

$12.18 Rp 215.3K

116.34%

Apples (1kg)

$3.51 €3.04

$3.71 Rp 65.5K

-5.39%

Banana (1kg)

$2.29 €1.99

$1.59 Rp 28.1K

44.03%

Oranges (1kg)

$2.35 €2.04

$2.28 Rp 40.4K

3.07%

Tomato (1kg)

$4.26 €3.69

$1.95 Rp 34.5K

118.46%

Potato (1kg)

$1.52 €1.31

$1.91 Rp 33.7K

-20.42%

Onion (1kg)

$1.25 €1.08

$2.33 Rp 41.2K

-46.35%

Lettuce (1 head)

$1.79 €1.55

$1.01 Rp 17.8K

77.23%

Water (1.5 liter bottle)

$1.03 €0.89

$0.55 Rp 9,759

87.27%

Cigarettes 20 Pack (Marlboro, Camel)

$9.46 €8.19

$2.23 Rp 39.5K

324.22%

Wine (Bottle)

$7.05 €6.11

$23.07 Rp 408.0K

-69.44%

Local Beer (0.5 liter bottle)

$1.09 €0.94

$2.42 Rp 42.8K

-54.96%

Imported Beer (0.33 liter bottle)

$1.39 €1.20

$3.00 Rp 53.0K

-53.67%

One-way Ticket (Public Transport)

$3.22 €2.79

$0.27 Rp 4,807

1092.59%

Public Transport Monthly Pass (Regular Price)

$61.3 €53.1

$8.98 Rp 158.9K

582.07%

Taxi Start (Normal Tariff)

$5.12 €4.44

$0.48 Rp 8,554

966.67%

Taxi (Normal Tariff) (1km)

$2.29 €1.99

$0.43 Rp 7,668

432.56%

Taxi 1hour Waiting (Normal Tariff)

$34.43 €29.83

$5.64 Rp 99.8K

510.46%

Gasoline (1 liter)

$2.19 €1.90

$0.80 Rp 14.2K

173.75%

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

$33.4K €28.9K

$24.9K Rp 441.1M

33.89%

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

$40.0K €34.7K

$31.7K Rp 560.7M

26.24%

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

$470 €408

$81.5 Rp 1.4M

477.56%

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

$26.04 €22.56

$6.49 Rp 114.8K

301.23%

Internet (50+ Mbps, Unlimited Data)

$42.76 €37.05

$18.77 Rp 331.9K

127.81%

Gym Membership (Monthly)

$28.69 €24.87

$56.9 Rp 1.0M

-49.55%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.2K

Cinema Ticket

$13.75 €11.92

$4.54 Rp 80.2K

202.86%

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

$172 €149

$481 Rp 8.5M

-64.32%

International Primary School, 1 Child (Yearly)

$26.1K €22.6K

$5,711 Rp 101.0M

356.24%

Jeans (Levis 501 Or Similar)

$100 €86.9

$45.52 Rp 804.9K

120.39%

Summer Dress (H&M, Zara, etc)

$50.9 €44.10

$35.88 Rp 634.5K

41.81%

Sport Shoes (Adidas, Nike)

$115 €99.6

$80.4 Rp 1.4M

42.92%

Men's Leather Business Shoes

$199 €173

$78.7 Rp 1.4M

153.30%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.3M

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.3M

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.7M

Buy Apartment in City Center (m2)

$2,784 Rp 49.2M

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

Average Monthly Net Salary (After Tax)

$2,102 €1,821

$168 Rp 3.0M

1150.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.96

13.78

-71.26%

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

Last update for Hamm: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

Hamm pays 1151% 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: $70.0 in Hamm vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $352 vs $295 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

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

Hamm and Ubud, Bali differ by about 9% in total monthly costs ($1,493 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1151% higher in Hamm, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Childcare runs $172 in Hamm versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 19% higher in Hamm. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,493 in Hamm, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hamm. 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, Hamm 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 9% less than in Hamm. Beyond cost, consider language, visa policies, and how big the international community is in each city.