Last update: Oct 2026

Cost of Living Comparison Between Hayward, CA and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,434 in Hayward, CA, rent and utilities included – about $25,000 less a year. Rent and utilities account for most of the difference.

166

Cost of Living Index in Hayward, CA
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Hayward, CA Living Index
65

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

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Hayward, CA

🇺🇸 United States

$3,434

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,434 in Hayward, CA versus $1,349 in Ubud, Bali.

Hayward, CA $3,434
Ubud, Bali $1,349

Estimated couple costs with rent: $4,718 in Hayward, CA versus $2,305 in Ubud, Bali.

Hayward, CA $4,718
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $6,003 in Hayward, CA versus $3,261 in Ubud, Bali.

Hayward, CA $6,003
Ubud, Bali $3,261

Living in Hayward, CA is roughly 155% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$19.88 $19.88

$3.32 Rp 60.3K

498.80%

Three-Course Dinner for Two, Mid-Range

$76.1 $76.1

$35.64 Rp 646.5K

113.58%

Fast Food Meal (McDonalds, etc)

$10.57 $10.57

$5.53 Rp 100.4K

91.14%

Cappuccino

$4.71 $4.71

$2.72 Rp 49.3K

73.16%

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

$3.13 $3.13

$1.70 Rp 30.9K

84.12%

Water (0.33 liter bottle)

$2.31 $2.31

$0.76 Rp 13.8K

203.95%

Local Beer (0.5 liter draught)

$6.03 $6.03

$2.65 Rp 48.1K

127.55%

Imported Beer (0.33 liter bottle)

$7.54 $7.54

$4.38 Rp 79.5K

72.15%

Milk (1 liter)

$1.30 $1.30

$1.49 Rp 27.0K

-12.75%

White Bread (500g)

$1.89 $1.89

$2.28 Rp 41.3K

-17.11%

Rice (white) (1kg)

$5.84 $5.84

$1.19 Rp 21.6K

390.76%

Eggs

$6.09 $6.09

$2.04 Rp 36.9K

198.53%

Local Cheese (1kg)

$26.45 $26.45

$17.70 Rp 321.1K

49.44%

Chicken Fillets (1kg)

$7.49 $7.49

$3.96 Rp 71.9K

89.14%

Beef Round Steak (1kg)

$21.99 $21.99

$12.19 Rp 221.1K

80.39%

Apples (1kg)

$7.12 $7.12

$3.66 Rp 66.3K

94.54%

Banana (1kg)

$2.56 $2.56

$1.52 Rp 27.5K

68.42%

Oranges (1kg)

$6.23 $6.23

$2.23 Rp 40.4K

179.37%

Tomato (1kg)

$10.21 $10.21

$1.97 Rp 35.8K

418.27%

Potato (1kg)

$3.63 $3.63

$1.85 Rp 33.5K

96.22%

Onion (1kg)

$4.72 $4.72

$2.42 Rp 44.0K

95.04%

Lettuce (1 head)

$2.53 $2.53

$0.99 Rp 18.0K

155.56%

Water (1.5 liter bottle)

$3.23 $3.23

$0.51 Rp 9,313

533.33%

Cigarettes 20 Pack (Marlboro, Camel)

$11.76 $11.76

$2.22 Rp 40.3K

429.73%

Wine (Bottle)

$12.93 $12.93

$22.24 Rp 403.4K

-41.86%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.26 Rp 41.0K

-22.57%

Imported Beer (0.33 liter bottle)

$2.80 $2.80

$2.97 Rp 53.9K

-5.72%

One-way Ticket (Public Transport)

$3.02 $3.02

$0.25 Rp 4,553

1108.00%

Public Transport Monthly Pass (Regular Price)

$100.0 $100.0

$7.82 Rp 141.9K

1178.26%

Taxi Start (Normal Tariff)

$3.54 $3.54

$0.44 Rp 7,972

704.55%

Taxi (Normal Tariff) (1km)

$1.89 $1.89

$0.43 Rp 7,801

339.53%

Taxi 1hour Waiting (Normal Tariff)

$39.22 $39.22

$5.41 Rp 98.1K

624.95%

Gasoline (1 liter)

$1.43 $1.43

$0.82 Rp 15.0K

74.39%

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

$27.3K $27.3K

$23.8K Rp 432.4M

14.46%

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

$25.8K $25.8K

$31.7K Rp 575.9M

-18.85%

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

$179 $179

$79.1 Rp 1.4M

126.74%

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

$41.29 $41.29

$6.45 Rp 116.9K

540.16%

Internet (50+ Mbps, Unlimited Data)

$75.8 $75.8

$18.58 Rp 337.0K

308.13%

Gym Membership (Monthly)

$42.37 $42.37

$49.48 Rp 897.5K

-14.37%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$15.30 $15.30

$4.27 Rp 77.5K

258.31%

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

$1,253 $1,253

$491 Rp 8.9M

155.34%

International Primary School, 1 Child (Yearly)

$35.0K $35.0K

$5,674 Rp 102.9M

516.16%

Jeans (Levis 501 Or Similar)

$49.93 $49.93

$44.64 Rp 809.7K

11.85%

Summer Dress (H&M, Zara, etc)

$70.9 $70.9

$34.95 Rp 634.0K

102.95%

Sport Shoes (Adidas, Nike)

$74.8 $74.8

$79.9 Rp 1.4M

-6.40%

Men's Leather Business Shoes

$118 $118

$79.4 Rp 1.4M

48.63%

1-bedroom Apartment, City Center (Monthly)

$2,264 $2,264

$1,125 Rp 20.4M

101.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,986 $1,986

$671 Rp 12.2M

195.72%

3-bedroom Apartment, City Center (Monthly)

$3,446 $3,446

$3,565 Rp 64.7M

-3.31%

3-bedroom Apartment, Outside City Center (Monthly)

$2,769 $2,769

$1,723 Rp 31.3M

60.68%

Buy Apartment in City Center (m2)

$6,467 $6,467

$2,732 Rp 49.5M

136.76%

Buy Apartment Outside City Center (m2)

$6,014 $6,014

$2,284 Rp 41.4M

163.31%

Average Monthly Net Salary (After Tax)

$4,713 $4,713

$164 Rp 3.0M

2776.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.15

13.78

-55.37%

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

Last update for Hayward, CA: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Hayward, CA

$2K 57.8%

Ubud, Bali

$672 49.8% 66.2% $1.3K

Groceries & Markets

Hayward, CA

$499 14.5%

Ubud, Bali

$288 21.4% 42.2% $210

Eating Out

Hayward, CA

$314 9.2%

Ubud, Bali

$108 8% 65.7% $206

Monthly Utilities & Internet

Hayward, CA

$296 8.6%

Ubud, Bali

$104 7.7% 64.9% $192

Clothing & Footwear

Hayward, CA

$141 4.1%

Ubud, Bali

$108 8% 23.8% $34

Getting Around

Hayward, CA

$125 3.6%

Ubud, Bali

$11 0.9% 90.9% $114

Sport & Entertainment

Hayward, CA

$73 2.1%

Ubud, Bali

$58 4.3% 20.5% $15

Cost Breakdown

A one-bedroom apartment in the center runs $2,264 in Hayward, CA and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hayward, CA pays about 29 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $76 in Hayward, CA vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $499 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Hayward, CA

🇮🇩 Ubud, Bali

🕒 Local time

02:05 2:05 AM

18:05 6:05 PM

16 h ahead of Hayward, CA

🌤 Weather

👥 Population

159,203

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.896 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Hayward, CA Ubud, Bali 13,440 km ≈ 17 h nonstop flight

From you

Hayward, CA
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

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

Ubud, Bali wins on cost – living expenses run 61% lower than in Hayward, CA. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Hayward, CA is about 29 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: $2,264 in Hayward, CA versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,253 in Hayward, CA 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 73% higher in Hayward, CA. 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 work as nomad bases, but Ubud, Bali delivers better value at $1,349 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Hayward, CA and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 61% less than in Hayward, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.