Last update: Oct 2026

Cost of Living Comparison Between Harare and Ubud, Bali

For one person, living is cheaper in Harare: $1,018 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

49

Cost of Living Index in Harare
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Harare Living Index
66

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

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Harare

🇿🇼 Zimbabwe

$1,018

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,018 in Harare versus $1,353 in Ubud, Bali.

Harare $1,018
Ubud, Bali $1,353

Estimated couple costs with rent: $1,696 in Harare versus $2,297 in Ubud, Bali.

Harare $1,696
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,375 in Harare versus $3,241 in Ubud, Bali.

Harare $2,375
Ubud, Bali $3,241

Living in Harare costs roughly 25% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Harare is 25% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$9.95 ZWL 265

$3.23 Rp 58.1K

208.05%

Three-Course Dinner for Two, Mid-Range

$45.58 ZWL 1,213

$34.88 Rp 627.8K

30.68%

Fast Food Meal (McDonalds, etc)

$5.63 ZWL 150

$5.70 Rp 102.5K

-1.23%

Cappuccino

$2.98 ZWL 79.3

$2.62 Rp 47.1K

13.74%

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

$0.94 ZWL 24.95

$1.72 Rp 31.0K

-45.35%

Water (0.33 liter bottle)

$0.45 ZWL 11.98

$0.81 Rp 14.6K

-44.44%

Local Beer (0.5 liter draught)

$0.99 ZWL 26.31

$2.65 Rp 47.7K

-62.64%

Imported Beer (0.33 liter bottle)

$1.95 ZWL 51.8

$4.37 Rp 78.6K

-55.38%

Milk (1 liter)

$1.53 ZWL 40.78

$1.57 Rp 28.3K

-2.55%

White Bread (500g)

$1.02 ZWL 27.05

$2.19 Rp 39.5K

-53.42%

Rice (white) (1kg)

$1.66 ZWL 44.16

$1.18 Rp 21.2K

40.68%

Eggs

$1.98 ZWL 52.7

$2.16 Rp 38.8K

-8.33%

Local Cheese (1kg)

$11.37 ZWL 303

$17.65 Rp 317.7K

-35.58%

Chicken Fillets (1kg)

$5.40 ZWL 144

$3.78 Rp 68.0K

42.86%

Beef Round Steak (1kg)

$6.79 ZWL 181

$11.95 Rp 215.1K

-43.18%

Apples (1kg)

$3.06 ZWL 81.4

$3.60 Rp 64.8K

-15.00%

Banana (1kg)

$1.63 ZWL 43.25

$1.59 Rp 28.6K

2.52%

Oranges (1kg)

$2.05 ZWL 54.6

$2.31 Rp 41.6K

-11.26%

Tomato (1kg)

$1.52 ZWL 40.50

$1.91 Rp 34.3K

-20.42%

Potato (1kg)

$1.73 ZWL 46.09

$1.78 Rp 32.1K

-2.81%

Onion (1kg)

$1.80 ZWL 47.94

$2.33 Rp 41.9K

-22.75%

Lettuce (1 head)

$1.29 ZWL 34.35

$1.00 Rp 18.0K

29.00%

Water (1.5 liter bottle)

$1.00 ZWL 26.67

$0.53 Rp 9,509

88.68%

Cigarettes 20 Pack (Marlboro, Camel)

$1.95 ZWL 51.8

$2.29 Rp 41.1K

-14.85%

Wine (Bottle)

$8.33 ZWL 222

$22.07 Rp 397.3K

-62.26%

Local Beer (0.5 liter bottle)

$1.38 ZWL 36.62

$2.35 Rp 42.2K

-41.28%

Imported Beer (0.33 liter bottle)

$1.97 ZWL 52.4

$2.98 Rp 53.6K

-33.89%

One-way Ticket (Public Transport)

$0.98 ZWL 26.02

$0.23 Rp 4,112

326.09%

Public Transport Monthly Pass (Regular Price)

$60.8 ZWL 1,618

$8.90 Rp 160.2K

583.26%

Taxi Start (Normal Tariff)

$3.88 ZWL 103

$0.47 Rp 8,466

725.53%

Taxi (Normal Tariff) (1km)

$2.05 ZWL 54.6

$0.43 Rp 7,737

376.74%

Taxi 1hour Waiting (Normal Tariff)

$5.12 ZWL 136

$5.47 Rp 98.4K

-6.40%

Gasoline (1 liter)

$1.79 ZWL 47.75

$0.83 Rp 14.9K

115.66%

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

$21.9K ZWL 582.6K

$23.9K Rp 429.8M

-8.30%

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

$27.2K ZWL 722.7K

$32.8K Rp 590.1M

-17.16%

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

$50.7 ZWL 1,348

$80.0 Rp 1.4M

-36.68%

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

$21.89 ZWL 583

$6.56 Rp 118.1K

233.69%

Internet (50+ Mbps, Unlimited Data)

$69.5 ZWL 1,849

$18.60 Rp 334.8K

273.55%

Gym Membership (Monthly)

$47.15 ZWL 1,255

$54.1 Rp 974.1K

-12.88%

Tennis Court (1 Hour on Weekend)

$22.40 ZWL 596

$18.28 Rp 329.0K

22.54%

Cinema Ticket

$10.18 ZWL 271

$4.25 Rp 76.5K

139.53%

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

$467 ZWL 12.4K

$493 Rp 8.9M

-5.28%

International Primary School, 1 Child (Yearly)

$8,608 ZWL 229.1K

$5,597 Rp 100.7M

53.80%

Jeans (Levis 501 Or Similar)

$23.43 ZWL 623

$45.58 Rp 820.4K

-48.60%

Summer Dress (H&M, Zara, etc)

$21.48 ZWL 572

$34.96 Rp 629.4K

-38.56%

Sport Shoes (Adidas, Nike)

$38.24 ZWL 1,018

$77.7 Rp 1.4M

-50.80%

Men's Leather Business Shoes

$40.39 ZWL 1,075

$78.5 Rp 1.4M

-48.56%

1-bedroom Apartment, City Center (Monthly)

$384 ZWL 10.2K

$1,131 Rp 20.4M

-66.08%

1-bedroom Apartment, Outside City Center (Monthly)

$311 ZWL 8,284

$673 Rp 12.1M

-53.73%

3-bedroom Apartment, City Center (Monthly)

$835 ZWL 22.2K

$3,613 Rp 65.0M

-76.87%

3-bedroom Apartment, Outside City Center (Monthly)

$743 ZWL 19.8K

$1,702 Rp 30.6M

-56.33%

Buy Apartment in City Center (m2)

$939 ZWL 25.0K

$2,717 Rp 48.9M

-65.45%

Buy Apartment Outside City Center (m2)

$393 ZWL 10.4K

$2,241 Rp 40.3M

-82.48%

Average Monthly Net Salary (After Tax)

$419 ZWL 11.2K

$166 Rp 3.0M

152.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.69

13.78

-0.65%

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

Last update for Harare: October 20, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Harare

$311 30.6%

Ubud, Bali

$673 49.7% 116% $362

Groceries & Markets

Harare

$216 21.2%

Ubud, Bali

$287 21.2% 33% $71

Eating Out

Harare

$147 14.4%

Ubud, Bali

$106 7.9% 27.4% $40

Monthly Utilities & Internet

Harare

$142 14%

Ubud, Bali

$105 7.8% 26% $37

Getting Around

Harare

$79 7.8%

Ubud, Bali

$12 0.9% 84.2% $66

Sport & Entertainment

Harare

$68 6.6%

Ubud, Bali

$63 4.6% 7.3% $4.9

Clothing & Footwear

Harare

$56 5.5%

Ubud, Bali

$107 7.9% 91.6% $51

Cost Breakdown

A one-bedroom apartment in the center runs $384 in Harare and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Harare pays 152% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $46.00 in Harare vs $35.00 in Ubud, Bali. Groceries flip the comparison at $216 vs $287, with Harare cheaper for home cooking.

Good to know

🇿🇼 Harare

🇮🇩 Ubud, Bali

🕒 Local time

12:50 12:50 PM

18:50 6:50 PM

6 h ahead of Harare

🌤 Weather

👥 Population

1,606,000 Capital

74,800

💱 Currency

Zimbabwean Dollar ZWL $

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 ZWL = 3.76 USD

100 ZWL = 3.34 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to ZWL – Zimbabwean Dollar Converter

🇺🇸 United States Dollar ($)

🇿🇼 Zimbabwean Dollar ($)

Zimbabwean Dollar exchange rates as of October 20, 2026: 1 USD = 26.61 ZWL (100 ZWL = 3.76 USD). 1 EUR = 29.92 ZWL (100 ZWL = 3.34 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to ZWL in detail →

On the map

Lowest

Highest

Between locations

Harare Ubud, Bali 9,110 km ≈ 12 h nonstop flight

From you

Harare
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

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

Harare is cheaper overall, especially in groceries and clothing. The 33% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 152% higher in Harare, 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: $384 in Harare versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $467 in Harare versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 33% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,018 in Harare versus $1,353 in Ubud, Bali, a $1,500 budget is realistic in Harare but tight or insufficient in Ubud, Bali. The gap between the two cities makes Harare the clear choice for anyone on this budget.

For families, Harare is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Harare 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 Harare gentler on the wallet – expenses run 33% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.