Last update: Oct 2026

Cost of Living Comparison Between Harrow and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,031 in Harrow, rent and utilities included – about $20,200 less a year. Rent and utilities account for most of the difference.

146

Cost of Living Index in Harrow
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Harrow Living Index
65

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

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Harrow

🇬🇧 United Kingdom

$3,031

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,031 in Harrow versus $1,349 in Ubud, Bali.

Harrow $3,031
Ubud, Bali $1,349

Estimated couple costs with rent: $4,459 in Harrow versus $2,305 in Ubud, Bali.

Harrow $4,459
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,886 in Harrow versus $3,261 in Ubud, Bali.

Harrow $5,886
Ubud, Bali $3,261

Living in Harrow is roughly 125% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$19.77 £14.74

$3.32 Rp 60.3K

495.48%

Three-Course Dinner for Two, Mid-Range

$95.2 £71.0

$35.64 Rp 646.7K

167.09%

Fast Food Meal (McDonalds, etc)

$9.16 £6.83

$5.53 Rp 100.4K

65.64%

Cappuccino

$4.81 £3.58

$2.72 Rp 49.3K

76.84%

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

$2.90 £2.16

$1.70 Rp 30.9K

70.59%

Water (0.33 liter bottle)

$1.97 £1.47

$0.76 Rp 13.8K

159.21%

Local Beer (0.5 liter draught)

$7.32 £5.46

$2.65 Rp 48.2K

176.23%

Imported Beer (0.33 liter bottle)

$7.09 £5.28

$4.38 Rp 79.5K

61.87%

Milk (1 liter)

$1.62 £1.21

$1.49 Rp 27.1K

8.72%

White Bread (500g)

$1.84 £1.37

$2.28 Rp 41.3K

-19.30%

Rice (white) (1kg)

$1.64 £1.22

$1.19 Rp 21.6K

37.82%

Eggs

$5.83 £4.34

$2.04 Rp 36.9K

185.78%

Local Cheese (1kg)

$11.22 £8.36

$17.70 Rp 321.2K

-36.61%

Chicken Fillets (1kg)

$8.24 £6.14

$3.96 Rp 71.9K

108.08%

Beef Round Steak (1kg)

$12.71 £9.48

$12.19 Rp 221.2K

4.27%

Apples (1kg)

$2.01 £1.50

$3.66 Rp 66.3K

-45.08%

Banana (1kg)

$1.32 £0.98

$1.52 Rp 27.5K

-13.16%

Oranges (1kg)

$1.77 £1.32

$2.23 Rp 40.4K

-20.63%

Tomato (1kg)

$5.24 £3.91

$1.97 Rp 35.8K

165.99%

Potato (1kg)

$1.36 £1.01

$1.85 Rp 33.5K

-26.49%

Onion (1kg)

$1.55 £1.15

$2.42 Rp 44.0K

-35.95%

Lettuce (1 head)

$1.36 £1.02

$0.99 Rp 18.0K

37.37%

Water (1.5 liter bottle)

$1.37 £1.02

$0.51 Rp 9,316

168.63%

Cigarettes 20 Pack (Marlboro, Camel)

$22.23 £16.57

$2.22 Rp 40.3K

901.35%

Wine (Bottle)

$9.55 £7.12

$22.24 Rp 403.6K

-57.06%

Local Beer (0.5 liter bottle)

$1.96 £1.46

$2.26 Rp 41.0K

-13.27%

Imported Beer (0.33 liter bottle)

$1.35 £1.01

$2.97 Rp 53.9K

-54.55%

One-way Ticket (Public Transport)

$4.89 £3.65

$0.25 Rp 4,555

1856.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

Taxi Start (Normal Tariff)

$13.35 £9.96

$0.44 Rp 7,975

2934.09%

Taxi (Normal Tariff) (1km)

$3.92 £2.92

$0.43 Rp 7,804

811.63%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

Gasoline (1 liter)

$1.91 £1.43

$0.82 Rp 15.0K

132.93%

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

$40.3K £30.0K

$23.8K Rp 432.6M

69.06%

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

$44.8K £33.4K

$31.7K Rp 576.1M

41.21%

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

$201 £150

$79.1 Rp 1.4M

154.74%

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

$15.01 £11.19

$6.45 Rp 117.0K

132.71%

Internet (50+ Mbps, Unlimited Data)

$39.90 £29.75

$18.58 Rp 337.1K

114.75%

Gym Membership (Monthly)

$78.7 £58.7

$49.48 Rp 897.9K

59.09%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$14.18 £10.57

$4.27 Rp 77.6K

232.08%

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

$1,929 £1,438

$491 Rp 8.9M

293.29%

International Primary School, 1 Child (Yearly)

$24.1K £18.0K

$5,674 Rp 103.0M

324.57%

Jeans (Levis 501 Or Similar)

$78.7 £58.6

$44.64 Rp 810.0K

76.19%

Summer Dress (H&M, Zara, etc)

$59.9 £44.65

$34.95 Rp 634.2K

71.33%

Sport Shoes (Adidas, Nike)

$106 £79.2

$79.9 Rp 1.4M

32.99%

Men's Leather Business Shoes

$161 £120

$79.4 Rp 1.4M

102.35%

1-bedroom Apartment, City Center (Monthly)

$2,297 £1,713

$1,125 Rp 20.4M

104.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,830 £1,364

$671 Rp 12.2M

172.46%

3-bedroom Apartment, City Center (Monthly)

$4,227 £3,152

$3,565 Rp 64.7M

18.60%

3-bedroom Apartment, Outside City Center (Monthly)

$3,096 £2,308

$1,723 Rp 31.3M

79.67%

Buy Apartment in City Center (m2)

$7,262 £5,414

$2,732 Rp 49.6M

165.84%

Buy Apartment Outside City Center (m2)

$7,235 £5,394

$2,284 Rp 41.4M

216.76%

Average Monthly Net Salary (After Tax)

$5,045 £3,761

$164 Rp 3.0M

2979.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.3

13.78

-61.54%

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

Last update for Harrow: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Harrow

$1.8K 60.4%

Ubud, Bali

$672 49.8% 63.3% $1.2K

Eating Out

Harrow

$314 10.4%

Ubud, Bali

$108 8% 65.7% $206

Groceries & Markets

Harrow

$289 9.6%

Ubud, Bali

$288 21.4% 0.3% $0.9

Monthly Utilities & Internet

Harrow

$256 8.5%

Ubud, Bali

$104 7.7% 59.4% $152

Clothing & Footwear

Harrow

$182 6%

Ubud, Bali

$108 8% 41.1% $75

Sport & Entertainment

Harrow

$107 3.5%

Ubud, Bali

$58 4.3% 45.8% $49

Getting Around

Harrow

$53 * 1.7%

Ubud, Bali

$11 0.9% 78.3% $41

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

Cost Breakdown

A one-bedroom apartment in the center runs $2,297 in Harrow and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Harrow pays about 31 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $95 in Harrow vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $289 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Harrow

🇮🇩 Ubud, Bali

🕒 Local time

15:57 3:57 PM

23:57 11:57 PM

8 h ahead of Harrow

🌤 Weather

👥 Population

149,246

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.34 USD

1 GBP = 1.2 EUR

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 0.746 GBP (1 GBP = 1.34 USD). 1 EUR = 0.832 GBP (1 GBP = 1.2 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

USD to GBP in detail →

On the map

Lowest

Highest

Between locations

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

From you

Harrow
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

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

Total monthly costs including rent come to $3,031 in Harrow and $1,349 in Ubud, Bali, so Ubud, Bali is about 56% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Harrow is about 31 times higher, 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: $2,297 in Harrow versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,929 in Harrow versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

All in, you’ll spend $3,031 per month in Harrow versus $1,349 in Ubud, Bali – Ubud, Bali is about 56% cheaper, which adds up to real savings over time.

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, Harrow 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, Harrow on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.