Last update: Nov 2026

Cost of Living Comparison Between Ho and Ubud, Bali

For one person, living is cheaper in Ho: $682 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

33

Cost of Living Index in Ho
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Ho Living Index
64

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

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🇬🇭 Ghana

$682

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $682 in Ho versus $1,331 in Ubud, Bali.

Ho $682
Ubud, Bali $1,331

Estimated couple costs with rent: $1,152 in Ho versus $2,255 in Ubud, Bali.

Ho $1,152
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $1,623 in Ho versus $3,180 in Ubud, Bali.

Ho $1,623
Ubud, Bali $3,180

Living in Ho costs roughly 49% less than in Ubud, Bali, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Ho 50% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$8.78 GHS 102

$3.38 Rp 61.3K

159.76%

Three-Course Dinner for Two, Mid-Range

$52.4 GHS 608

$34.65 Rp 628.8K

51.23%

Fast Food Meal (McDonalds, etc)

$10.40 GHS 121

$5.57 Rp 101.2K

86.71%

Cappuccino

$4.51 GHS 52.4

$2.62 Rp 47.5K

72.14%

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

$1.57 GHS 18.22

$1.54 Rp 27.9K

1.95%

Water (0.33 liter bottle)

$0.47 GHS 5.48

$0.64 Rp 11.6K

-26.56%

Local Beer (0.5 liter draught)

$1.88 GHS 21.82

$2.67 Rp 48.4K

-29.59%

Imported Beer (0.33 liter bottle)

$2.29 GHS 26.53

$4.26 Rp 77.4K

-46.24%

Milk (1 liter)

$3.75 GHS 43.59

$1.46 Rp 26.5K

156.85%

White Bread (500g)

$1.61 GHS 18.73

$2.29 Rp 41.6K

-29.69%

Rice (white) (1kg)

$3.21 GHS 37.29

$1.11 Rp 20.1K

189.19%

Eggs

$2.64 GHS 30.69

$2.10 Rp 38.1K

25.71%

Local Cheese (1kg)

$12.23 GHS 142

$15.94 Rp 289.3K

-23.27%

Chicken Fillets (1kg)

$7.12 GHS 82.7

$3.88 Rp 70.5K

83.51%

Beef Round Steak (1kg)

$9.86 GHS 115

$11.40 Rp 206.9K

-13.51%

Apples (1kg)

$3.75 GHS 43.50

$3.55 Rp 64.5K

5.63%

Banana (1kg)

$1.44 GHS 16.77

$1.54 Rp 27.9K

-6.49%

Oranges (1kg)

$1.84 GHS 21.36

$2.23 Rp 40.5K

-17.49%

Tomato (1kg)

$3.68 GHS 42.73

$1.97 Rp 35.8K

86.80%

Potato (1kg)

$2.79 GHS 32.34

$1.86 Rp 33.7K

50.00%

Onion (1kg)

$2.73 GHS 31.71

$2.42 Rp 43.9K

12.81%

Lettuce (1 head)

$0.75 GHS 8.68

$1.02 Rp 18.6K

-26.47%

Water (1.5 liter bottle)

$0.56 GHS 6.52

$0.52 Rp 9,479

7.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.60 GHS 30.21

$2.20 Rp 39.9K

18.18%

Wine (Bottle)

$7.23 GHS 83.9

$21.79 Rp 395.4K

-66.82%

Local Beer (0.5 liter bottle)

$1.23 GHS 14.30

$2.33 Rp 42.2K

-47.21%

Imported Beer (0.33 liter bottle)

$2.44 GHS 28.34

$2.97 Rp 53.9K

-17.85%

One-way Ticket (Public Transport)

$0.25 Rp 4,544

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$1.73 GHS 20.13

$0.44 Rp 7,944

293.18%

Taxi (Normal Tariff) (1km)

$1.26 GHS 14.59

$0.47 Rp 8,493

168.09%

Taxi 1hour Waiting (Normal Tariff)

$4.36 GHS 50.7

$5.60 Rp 101.6K

-22.14%

Gasoline (1 liter)

$1.37 GHS 15.90

$0.83 Rp 15.0K

65.06%

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

$7,998 GHS 92.9K

$24.4K Rp 443.7M

-67.29%

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

$20.1K GHS 233.2K

$31.7K Rp 575.2M

-36.64%

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

$72.4 GHS 841

$77.5 Rp 1.4M

-6.52%

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

$19.22 GHS 223

$6.14 Rp 111.5K

213.03%

Internet (50+ Mbps, Unlimited Data)

$42.10 GHS 489

$18.92 Rp 343.3K

122.52%

Gym Membership (Monthly)

$51.0 Rp 925.4K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

Cinema Ticket

$12.87 GHS 149

$4.38 Rp 79.5K

193.84%

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

$462 GHS 5,359

$492 Rp 8.9M

-6.25%

International Primary School, 1 Child (Yearly)

$18.6K GHS 216.5K

$12.2K Rp 221.8M

52.57%

Jeans (Levis 501 Or Similar)

$14.27 GHS 166

$45.16 Rp 819.6K

-68.40%

Summer Dress (H&M, Zara, etc)

$18.98 GHS 220

$34.89 Rp 633.2K

-45.60%

Sport Shoes (Adidas, Nike)

$37.07 GHS 430

$78.3 Rp 1.4M

-52.67%

Men's Leather Business Shoes

$52.5 GHS 609

$77.9 Rp 1.4M

-32.64%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

13.78

94.12%

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

Last update for Ho: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Groceries & Markets

$281 41.3%

Ubud, Bali

$279 21% 0.6% $1.7

Eating Out

$178 26.1%

Ubud, Bali

$106 8% 40.5% $72

Monthly Utilities & Internet

$134 19.6%

Ubud, Bali

$103 7.7% 23.3% $31

Clothing & Footwear

$55 8.1%

Ubud, Bali

$106 8% 92.4% $51

Sport & Entertainment

$26 * 3.8%

Ubud, Bali

$60 4.5% 132% $34

Getting Around

$8 * 1.2%

Ubud, Bali

$12 0.9% 49% $3.9

Accommodation & Living

- * 0%

Ubud, Bali

$665 50%

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

Cost Breakdown

Dining out: $52 in Ho vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $281 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇭 Ho

🇮🇩 Ubud, Bali

🕒 Local time

02:55 2:55 AM

10:55 10:55 AM

8 h ahead of Ho

🌤 Weather

👥 Population

83,715

74,800

💱 Currency

Ghanaian Cedi GHS ₵

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 GHS = 8.61 USD

100 GHS = 7.7 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of November 4, 2026: 1 USD = 11.61 GHS (100 GHS = 8.61 USD). 1 EUR = 12.98 GHS (100 GHS = 7.7 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,295 IDR (100,000 IDR = 4.93 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Ho Ubud, Bali 12,830 km ≈ 17 h nonstop flight

From you

Ho
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

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

Total monthly costs including rent come to $682 in Ho and $1,331 in Ubud, Bali, so Ho is about 49% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,022 in Ho and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $462 in Ho versus $492 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 $682 per month in Ho versus $1,331 in Ubud, Bali – Ho is about 49% cheaper, which adds up to real savings over time.

At $682 in Ho versus $1,331 in Ubud, Bali, a $1,200 budget is realistic in Ho but tight or insufficient in Ubud, Bali. The gap between the two cities makes Ho the clear choice for anyone on this budget.

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, Ho and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.