Last update: Oct 2026

Cost of Living Comparison Between Jersey City, NJ and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,854 in Jersey City, NJ, rent and utilities included – about $29,800 less a year. Rent and utilities account for most of the difference.

187

Cost of Living Index in Jersey City, NJ
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Jersey City, NJ Living Index
67

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

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Jersey City, NJ

🇺🇸 United States

$3,854

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,854 in Jersey City, NJ versus $1,368 in Ubud, Bali.

Jersey City, NJ $3,854
Ubud, Bali $1,368

Estimated couple costs with rent: $5,348 in Jersey City, NJ versus $2,314 in Ubud, Bali.

Jersey City, NJ $5,348
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $6,841 in Jersey City, NJ versus $3,260 in Ubud, Bali.

Jersey City, NJ $6,841
Ubud, Bali $3,260

Living in Jersey City, NJ is roughly 182% 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: Jersey City, NJ 186% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$25.34 $25.34

$3.33 Rp 59.8K

660.96%

Three-Course Dinner for Two, Mid-Range

$99.9 $99.9

$35.18 Rp 631.2K

184.05%

Fast Food Meal (McDonalds, etc)

$10.83 $10.83

$5.80 Rp 104.1K

86.72%

Cappuccino

$5.40 $5.40

$2.73 Rp 49.0K

97.80%

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

$2.17 $2.17

$1.64 Rp 29.4K

32.32%

Water (0.33 liter bottle)

$1.58 $1.58

$0.83 Rp 14.9K

90.36%

Local Beer (0.5 liter draught)

$8.11 $8.11

$2.70 Rp 48.4K

200.37%

Imported Beer (0.33 liter bottle)

$8.18 $8.18

$4.30 Rp 77.1K

90.23%

Milk (1 liter)

$1.29 $1.29

$1.50 Rp 27.0K

-14.00%

White Bread (500g)

$4.20 $4.20

$2.30 Rp 41.2K

82.61%

Rice (white) (1kg)

$7.58 $7.58

$1.18 Rp 21.1K

542.37%

Eggs

$5.68 $5.68

$2.14 Rp 38.5K

165.42%

Local Cheese (1kg)

$12.52 $12.52

$17.48 Rp 313.6K

-28.38%

Chicken Fillets (1kg)

$11.68 $11.68

$4.03 Rp 72.3K

189.83%

Beef Round Steak (1kg)

$17.29 $17.29

$12.23 Rp 219.4K

41.37%

Apples (1kg)

$5.28 $5.28

$3.55 Rp 63.7K

48.73%

Banana (1kg)

$1.72 $1.72

$1.57 Rp 28.2K

9.55%

Oranges (1kg)

$6.44 $6.44

$2.24 Rp 40.1K

187.50%

Tomato (1kg)

$6.13 $6.13

$1.93 Rp 34.6K

217.62%

Potato (1kg)

$5.66 $5.66

$1.88 Rp 33.8K

201.06%

Onion (1kg)

$3.82 $3.82

$2.29 Rp 41.1K

66.81%

Lettuce (1 head)

$2.89 $2.89

$0.99 Rp 17.8K

191.92%

Water (1.5 liter bottle)

$2.81 $2.81

$0.53 Rp 9,445

430.19%

Cigarettes 20 Pack (Marlboro, Camel)

$11.19 $11.19

$2.28 Rp 41.0K

390.79%

Wine (Bottle)

$24.79 $24.79

$23.01 Rp 412.9K

7.74%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.34 Rp 42.0K

-24.36%

Imported Beer (0.33 liter bottle)

$5.51 $5.51

$2.91 Rp 52.2K

89.35%

One-way Ticket (Public Transport)

$3.07 $3.07

$0.24 Rp 4,301

1179.17%

Public Transport Monthly Pass (Regular Price)

$106 $106

$8.82 Rp 158.2K

1098.64%

Taxi Start (Normal Tariff)

$2.94 $2.94

$0.48 Rp 8,657

512.50%

Taxi (Normal Tariff) (1km)

$2.00 $2.00

$0.46 Rp 8,207

334.78%

Taxi 1hour Waiting (Normal Tariff)

$24.20 $24.20

$5.45 Rp 97.9K

344.04%

Gasoline (1 liter)

$1.12 $1.12

$0.88 Rp 15.9K

27.27%

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

$36.8K $36.8K

$24.6K Rp 440.8M

49.65%

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

$25.8K $25.8K

$31.2K Rp 559.6M

-17.38%

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

$209 $209

$83.0 Rp 1.5M

152.16%

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

$73.2 $73.2

$6.45 Rp 115.7K

1034.26%

Internet (50+ Mbps, Unlimited Data)

$64.8 $64.8

$18.57 Rp 333.1K

248.84%

Gym Membership (Monthly)

$56.3 $56.3

$55.8 Rp 1.0M

0.82%

Tennis Court (1 Hour on Weekend)

$43.47 $43.47

$18.11 Rp 324.9K

140.03%

Cinema Ticket

$14.60 $14.60

$4.38 Rp 78.6K

233.33%

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

$2,245 $2,245

$493 Rp 8.8M

355.30%

International Primary School, 1 Child (Yearly)

$23.6K $23.6K

$5,754 Rp 103.2M

310.22%

Jeans (Levis 501 Or Similar)

$41.50 $41.50

$46.19 Rp 828.8K

-10.15%

Summer Dress (H&M, Zara, etc)

$58.2 $58.2

$35.33 Rp 634.0K

64.59%

Sport Shoes (Adidas, Nike)

$74.8 $74.8

$79.1 Rp 1.4M

-5.41%

Men's Leather Business Shoes

$155 $155

$78.4 Rp 1.4M

97.47%

1-bedroom Apartment, City Center (Monthly)

$3,501 $3,501

$1,142 Rp 20.5M

206.46%

1-bedroom Apartment, Outside City Center (Monthly)

$2,282 $2,282

$676 Rp 12.1M

237.79%

3-bedroom Apartment, City Center (Monthly)

$5,540 $5,540

$3,503 Rp 62.9M

58.15%

3-bedroom Apartment, Outside City Center (Monthly)

$3,248 $3,248

$1,700 Rp 30.5M

91.07%

Buy Apartment in City Center (m2)

$7,779 $7,779

$2,784 Rp 50.0M

179.42%

Buy Apartment Outside City Center (m2)

$5,595 $5,595

$2,241 Rp 40.2M

149.73%

Average Monthly Net Salary (After Tax)

$6,205 $6,205

$165 Rp 3.0M

3670.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

13.78

-51.02%

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

Last update for Jersey City, NJ: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Jersey City, NJ

$2.3K 59.2%

Ubud, Bali

$676 49.4% 70.4% $1.6K

Groceries & Markets

Jersey City, NJ

$488 12.7%

Ubud, Bali

$290 21.2% 40.5% $198

Eating Out

Jersey City, NJ

$372 9.7%

Ubud, Bali

$109 8% 70.8% $263

Monthly Utilities & Internet

Jersey City, NJ

$347 9%

Ubud, Bali

$108 7.9% 68.9% $239

Clothing & Footwear

Jersey City, NJ

$148 3.8%

Ubud, Bali

$108 7.9% 27.4% $41

Getting Around

Jersey City, NJ

$131 3.4%

Ubud, Bali

$13 0.9% 90.4% $118

Sport & Entertainment

Jersey City, NJ

$85 2.2%

Ubud, Bali

$65 4.7% 24.5% $21

Cost Breakdown

A one-bedroom apartment in the center runs $3,501 in Jersey City, NJ and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Jersey City, NJ pays 3671% 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: $100 in Jersey City, NJ vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $488 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Jersey City, NJ

🇮🇩 Ubud, Bali

🕒 Local time

07:33 7:33 AM

19:33 7:33 PM

12 h ahead of Jersey City, NJ

🌤 Weather

👥 Population

292,449

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.889 EUR

100,000 IDR = 5.57 USD

100,000 IDR = 4.96 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 October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,174 IDR (100,000 IDR = 4.96 EUR).

IDR to USD in detail →

On the map

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Between locations

Jersey City, NJ Ubud, Bali 16,320 km ≈ 21 h nonstop flight

From you

Jersey City, NJ
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

Jersey City, NJ vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 182% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 3671% higher in Jersey City, NJ, 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: $3,501 in Jersey City, NJ versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 1099% less than in Jersey City, NJ. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $2,245 in Jersey City, NJ versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,368 in Ubud, Bali versus $3,854 in Jersey City, NJ, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Jersey City, NJ. 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 Jersey City, NJ, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Jersey City, NJ 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 182% less than in Jersey City, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.