Last update: Oct 2026

Cost of Living Comparison Between Hamm and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,475 in Hamm, rent and utilities included – about $1,500 less a year. The total is higher in Hamm despite lower rent and utilities.

71

Cost of Living Index in Hamm
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Hamm Living Index
65

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

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Hamm

🇩🇪 Germany

$1,475

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,475 in Hamm versus $1,349 in Ubud, Bali.

Hamm $1,475
Ubud, Bali $1,349

Estimated couple costs with rent: $2,214 in Hamm versus $2,305 in Ubud, Bali.

Hamm $2,214
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,954 in Hamm versus $3,261 in Ubud, Bali.

Hamm $2,954
Ubud, Bali $3,261

Living in Hamm is roughly 9% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.36 €11.96

$3.32 Rp 60.2K

302.41%

Three-Course Dinner for Two, Mid-Range

$67.1 €60.1

$35.64 Rp 645.8K

88.27%

Fast Food Meal (McDonalds, etc)

$17.82 €15.96

$5.53 Rp 100.3K

222.24%

Cappuccino

$4.35 €3.89

$2.72 Rp 49.3K

59.93%

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

$2.71 €2.42

$1.70 Rp 30.8K

59.41%

Water (0.33 liter bottle)

$2.38 €2.13

$0.76 Rp 13.8K

213.16%

Local Beer (0.5 liter draught)

$2.77 €2.48

$2.65 Rp 48.1K

4.53%

Imported Beer (0.33 liter bottle)

$4.01 €3.59

$4.38 Rp 79.4K

-8.45%

Milk (1 liter)

$1.25 €1.12

$1.49 Rp 27.0K

-16.11%

White Bread (500g)

$2.02 €1.81

$2.28 Rp 41.2K

-11.40%

Rice (white) (1kg)

$3.80 €3.40

$1.19 Rp 21.6K

219.33%

Eggs

$3.39 €3.03

$2.04 Rp 36.9K

66.18%

Local Cheese (1kg)

$14.53 €13.01

$17.70 Rp 320.8K

-17.91%

Chicken Fillets (1kg)

$10.39 €9.31

$3.96 Rp 71.8K

162.37%

Beef Round Steak (1kg)

$24.98 €22.37

$12.19 Rp 220.9K

104.92%

Apples (1kg)

$3.42 €3.06

$3.66 Rp 66.2K

-6.56%

Banana (1kg)

$2.24 €2.01

$1.52 Rp 27.5K

47.37%

Oranges (1kg)

$2.30 €2.06

$2.23 Rp 40.4K

3.14%

Tomato (1kg)

$4.15 €3.71

$1.97 Rp 35.7K

110.66%

Potato (1kg)

$1.46 €1.31

$1.85 Rp 33.5K

-21.08%

Onion (1kg)

$1.20 €1.08

$2.42 Rp 43.9K

-50.41%

Lettuce (1 head)

$1.79 €1.60

$0.99 Rp 17.9K

80.81%

Water (1.5 liter bottle)

$1.06 €0.95

$0.51 Rp 9,303

107.84%

Cigarettes 20 Pack (Marlboro, Camel)

$8.95 €8.02

$2.22 Rp 40.3K

303.15%

Wine (Bottle)

$6.55 €5.87

$22.24 Rp 403.0K

-70.55%

Local Beer (0.5 liter bottle)

$1.07 €0.96

$2.26 Rp 41.0K

-52.65%

Imported Beer (0.33 liter bottle)

$1.40 €1.25

$2.97 Rp 53.8K

-52.86%

One-way Ticket (Public Transport)

$3.20 €2.87

$0.25 Rp 4,548

1180.00%

Public Transport Monthly Pass (Regular Price)

$61.3 €54.9

$7.82 Rp 141.8K

683.25%

Taxi Start (Normal Tariff)

$5.05 €4.52

$0.44 Rp 7,964

1047.73%

Taxi (Normal Tariff) (1km)

$2.22 €1.99

$0.43 Rp 7,793

416.28%

Taxi 1hour Waiting (Normal Tariff)

$33.01 €29.56

$5.41 Rp 98.0K

510.17%

Gasoline (1 liter)

$2.15 €1.93

$0.82 Rp 14.9K

162.20%

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

$32.2K €28.9K

$23.8K Rp 432.0M

35.15%

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

$37.3K €33.4K

$31.7K Rp 575.3M

17.51%

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

$465 €416

$79.1 Rp 1.4M

487.63%

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

$25.78 €23.08

$6.45 Rp 116.8K

299.69%

Internet (50+ Mbps, Unlimited Data)

$40.16 €35.96

$18.58 Rp 336.7K

116.15%

Gym Membership (Monthly)

$28.47 €25.50

$49.48 Rp 896.7K

-42.46%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$13.25 €11.86

$4.27 Rp 77.4K

210.30%

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

$169 €151

$491 Rp 8.9M

-65.53%

International Primary School, 1 Child (Yearly)

$25.7K €23.0K

$5,674 Rp 102.8M

352.96%

Jeans (Levis 501 Or Similar)

$97.9 €87.6

$44.64 Rp 808.9K

119.20%

Summer Dress (H&M, Zara, etc)

$48.25 €43.21

$34.95 Rp 633.4K

38.05%

Sport Shoes (Adidas, Nike)

$111 €99.2

$79.9 Rp 1.4M

38.69%

Men's Leather Business Shoes

$197 €177

$79.4 Rp 1.4M

148.56%

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)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$2,082 €1,865

$164 Rp 3.0M

1170.69%

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: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Hamm

$531 36%

Ubud, Bali

$104 7.7% 80.4% $426

Groceries & Markets

Hamm

$340 23.1%

Ubud, Bali

$288 21.4% 15.2% $52

Eating Out

Hamm

$255 17.3%

Ubud, Bali

$108 8% 57.7% $147

Clothing & Footwear

Hamm

$204 13.9%

Ubud, Bali

$108 8% 47.4% $97

Getting Around

Hamm

$90 6.1%

Ubud, Bali

$11 0.9% 87.3% $79

Sport & Entertainment

Hamm

$55 3.7%

Ubud, Bali

$58 4.3% 5.6% $3.1

Accommodation & Living

Hamm

- * 0%

Ubud, Bali

$672 49.8%

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

Cost Breakdown

Hamm pays about 13 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $67 in Hamm vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $340 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇩🇪 Hamm

🇮🇩 Ubud, Bali

🕒 Local time

20:39 8:39 PM

03:39 3:39 AM

7 h ahead of Hamm

🌤 Weather

👥 Population

180,000

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 31, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 31, 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 EUR in detail →

On the map

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Between locations

Hamm Ubud, Bali 11,950 km ≈ 15 h nonstop flight

From you

Hamm
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

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

Total monthly costs including rent come to $1,475 in Hamm and $1,349 in Ubud, Bali, so Ubud, Bali is about 9% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Hamm is about 13 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 $169 in Hamm versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 18% higher in Hamm. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Hamm on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.