Last update: Oct 2026

Cost of Living Comparison Between Harrogate and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,319 in Harrogate, rent and utilities included – about $11,600 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Harrogate
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Harrogate Living Index
66

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

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Harrogate

🇬🇧 United Kingdom

$2,319

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,319 in Harrogate versus $1,353 in Ubud, Bali.

Harrogate $2,319
Ubud, Bali $1,353

Estimated couple costs with rent: $3,366 in Harrogate versus $2,297 in Ubud, Bali.

Harrogate $3,366
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $4,414 in Harrogate versus $3,241 in Ubud, Bali.

Harrogate $4,414
Ubud, Bali $3,241

Living in Harrogate is roughly 71% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Harrogate 71% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$21.37 £16.03

$3.23 Rp 58.1K

561.61%

Three-Course Dinner for Two, Mid-Range

$80.2 £60.2

$34.88 Rp 627.8K

130.05%

Fast Food Meal (McDonalds, etc)

$11.94 £8.95

$5.70 Rp 102.5K

109.47%

Cappuccino

$4.21 £3.16

$2.62 Rp 47.1K

60.69%

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

$2.53 £1.90

$1.72 Rp 31.0K

47.09%

Water (0.33 liter bottle)

$1.80 £1.35

$0.81 Rp 14.6K

122.22%

Local Beer (0.5 liter draught)

$6.55 £4.91

$2.65 Rp 47.7K

147.17%

Imported Beer (0.33 liter bottle)

$5.98 £4.48

$4.37 Rp 78.6K

36.84%

Milk (1 liter)

$1.51 £1.13

$1.57 Rp 28.3K

-3.82%

White Bread (500g)

$1.56 £1.17

$2.19 Rp 39.5K

-28.77%

Rice (white) (1kg)

$1.93 £1.45

$1.18 Rp 21.2K

63.56%

Eggs

$3.93 £2.95

$2.16 Rp 38.8K

81.94%

Local Cheese (1kg)

$7.75 £5.82

$17.65 Rp 317.7K

-56.09%

Chicken Fillets (1kg)

$8.63 £6.47

$3.78 Rp 68.0K

128.31%

Beef Round Steak (1kg)

$15.19 £11.39

$11.95 Rp 215.1K

27.11%

Apples (1kg)

$3.19 £2.39

$3.60 Rp 64.8K

-11.39%

Banana (1kg)

$1.56 £1.17

$1.59 Rp 28.6K

-1.89%

Oranges (1kg)

$2.93 £2.20

$2.31 Rp 41.6K

26.84%

Tomato (1kg)

$3.79 £2.84

$1.91 Rp 34.3K

98.43%

Potato (1kg)

$1.57 £1.17

$1.78 Rp 32.1K

-11.80%

Onion (1kg)

$1.51 £1.13

$2.33 Rp 41.9K

-35.19%

Lettuce (1 head)

$1.21 £0.91

$1.00 Rp 18.0K

21.00%

Water (1.5 liter bottle)

$1.27 £0.95

$0.53 Rp 9,509

139.62%

Cigarettes 20 Pack (Marlboro, Camel)

$23.58 £17.69

$2.29 Rp 41.1K

929.69%

Wine (Bottle)

$10.56 £7.92

$22.07 Rp 397.3K

-52.15%

Local Beer (0.5 liter bottle)

$3.90 £2.93

$2.35 Rp 42.2K

65.96%

Imported Beer (0.33 liter bottle)

$3.74 £2.81

$2.98 Rp 53.6K

25.50%

One-way Ticket (Public Transport)

$3.89 £2.92

$0.23 Rp 4,112

1591.30%

Public Transport Monthly Pass (Regular Price)

$32.01 £24.01

$8.90 Rp 160.2K

259.66%

Taxi Start (Normal Tariff)

$4.47 £3.36

$0.47 Rp 8,466

851.06%

Taxi (Normal Tariff) (1km)

$2.10 £1.57

$0.43 Rp 7,737

388.37%

Taxi 1hour Waiting (Normal Tariff)

$20.97 £15.73

$5.47 Rp 98.4K

283.36%

Gasoline (1 liter)

$2.03 £1.52

$0.83 Rp 14.9K

144.58%

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

$38.2K £28.7K

$23.9K Rp 429.8M

60.06%

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

$39.9K £29.9K

$32.8K Rp 590.1M

21.70%

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

$302 £226

$80.0 Rp 1.4M

277.27%

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

$16.64 £12.48

$6.56 Rp 118.1K

153.66%

Internet (50+ Mbps, Unlimited Data)

$45.80 £34.36

$18.60 Rp 334.8K

146.24%

Gym Membership (Monthly)

$82.4 £61.8

$54.1 Rp 974.1K

52.27%

Tennis Court (1 Hour on Weekend)

$13.49 £10.12

$18.28 Rp 329.0K

-26.20%

Cinema Ticket

$16.18 £12.14

$4.25 Rp 76.5K

280.71%

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

$1,269 £952

$493 Rp 8.9M

157.58%

International Primary School, 1 Child (Yearly)

$16.0K £12.0K

$5,597 Rp 100.7M

185.78%

Jeans (Levis 501 Or Similar)

$84.4 £63.3

$45.58 Rp 820.4K

85.13%

Summer Dress (H&M, Zara, etc)

$55.7 £41.79

$34.96 Rp 629.4K

59.32%

Sport Shoes (Adidas, Nike)

$112 £84.4

$77.7 Rp 1.4M

44.69%

Men's Leather Business Shoes

$103 £77.5

$78.5 Rp 1.4M

31.48%

1-bedroom Apartment, City Center (Monthly)

$1,267 £950

$1,131 Rp 20.4M

11.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,000 £750

$673 Rp 12.1M

48.60%

3-bedroom Apartment, City Center (Monthly)

$1,828 £1,371

$3,613 Rp 65.0M

-49.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,571 £1,179

$1,702 Rp 30.6M

-7.67%

Buy Apartment in City Center (m2)

$5,588 £4,192

$2,717 Rp 48.9M

105.65%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$3,735 £2,802

$166 Rp 3.0M

2144.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.82

13.78

-65.02%

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

Last update for Harrogate: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Harrogate

$1,000 43.1%

Ubud, Bali

$673 49.7% 32.7% $327

Monthly Utilities & Internet

Harrogate

$364 15.7%

Ubud, Bali

$105 7.8% 71.1% $259

Eating Out

Harrogate

$319 13.8%

Ubud, Bali

$106 7.9% 66.7% $213

Groceries & Markets

Harrogate

$298 12.9%

Ubud, Bali

$287 21.2% 3.6% $11

Clothing & Footwear

Harrogate

$160 6.9%

Ubud, Bali

$107 7.9% 33.4% $54

Sport & Entertainment

Harrogate

$115 5%

Ubud, Bali

$63 4.6% 45.4% $52

Getting Around

Harrogate

$63 2.7%

Ubud, Bali

$12 0.9% 80.1% $50

Cost Breakdown

A one-bedroom apartment in the center runs $1,267 in Harrogate and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Harrogate pays 2145% 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: $80.0 in Harrogate vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $298 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Harrogate

🇮🇩 Ubud, Bali

🕒 Local time

02:23 2:23 AM

09:23 9:23 AM

7 h ahead of Harrogate

🌤 Weather

👥 Population

89,060

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 22, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Indonesian Rupiah exchange rates as of October 22, 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 GBP in detail →

On the map

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Highest

Between locations

Harrogate Ubud, Bali 12,500 km ≈ 16 h nonstop flight

From you

Harrogate
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

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

Ubud, Bali is cheaper overall, especially in eating out, groceries, and clothing. The 71% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2145% higher in Harrogate, 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: $1,267 in Harrogate versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 4% higher in Harrogate. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $80.0 in Harrogate. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,353 in Ubud, Bali versus $2,319 in Harrogate, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Harrogate. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Harrogate 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 71% less than in Harrogate. Beyond cost, consider language, visa policies, and how big the international community is in each city.