Cost of Living Comparison Between Jinotega and Ubud, Bali Cost of Living Comparison Between Jinotega and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $526 in Jinotega versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $827 in Jinotega versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,128 in Jinotega versus $3,732 in Ubud, Bali.

Living in Jinotega costs roughly 63% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Jinotega is 61% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$3.71 NIO 137

$3.57 Rp 61.6K

3.92%

Three-Course Dinner for Two, Mid-Range

$15.90 NIO 586

$32.58 Rp 562.6K

-51.20%

Fast Food Meal (McDonalds, etc)

$4.31 NIO 159

$5.07 Rp 87.5K

-14.99%

Cappuccino

$1.14 NIO 42.03

$2.83 Rp 48.8K

-59.72%

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

$0.62 NIO 22.80

$1.34 Rp 23.1K

-53.73%

Water (0.33 liter bottle)

$0.57 NIO 21.03

$0.69 Rp 12.0K

-17.39%

Local Beer (0.5 liter draught)

$1.29 NIO 47.38

$2.99 Rp 51.6K

-56.86%

Imported Beer (0.33 liter bottle)

$1.86 NIO 68.6

$3.85 Rp 66.4K

-51.69%

Milk (1 liter)

$0.84 NIO 31.00

$1.74 Rp 30.1K

-51.72%

White Bread (500g)

$0.73 NIO 26.88

$2.54 Rp 43.8K

-71.26%

Rice (white) (1kg)

$1.38 NIO 50.8

$1.19 Rp 20.6K

15.97%

Eggs

$1.75 NIO 64.4

$2.43 Rp 41.9K

-27.98%

Local Cheese (1kg)

$5.00 NIO 184

$14.66 Rp 253.2K

-65.89%

Chicken Fillets (1kg)

$5.50 NIO 203

$4.18 Rp 72.1K

31.58%

Beef Round Steak (1kg)

$8.54 NIO 315

$11.94 Rp 206.1K

-28.48%

Apples (1kg)

$2.81 NIO 103

$3.69 Rp 63.6K

-23.85%

Banana (1kg)

$0.99 NIO 36.61

$1.61 Rp 27.7K

-38.51%

Oranges (1kg)

$2.38 NIO 87.7

$2.69 Rp 46.4K

-11.52%

Tomato (1kg)

$1.79 NIO 66.2

$2.33 Rp 40.2K

-23.18%

Potato (1kg)

$1.79 NIO 65.9

$1.91 Rp 32.9K

-6.28%

Onion (1kg)

$1.48 NIO 54.5

$2.19 Rp 37.7K

-32.42%

Lettuce (1 head)

$0.75 NIO 27.63

$1.06 Rp 18.3K

-29.25%

Water (1.5 liter bottle)

$0.86 NIO 31.82

$0.72 Rp 12.5K

19.44%

Cigarettes 20 Pack (Marlboro, Camel)

$3.25 NIO 120

$3.13 Rp 54.1K

3.83%

Wine (Bottle)

$7.78 NIO 287

$23.49 Rp 405.6K

-66.88%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.3K

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.7K

One-way Ticket (Public Transport)

$0.29 Rp 5,010

Public Transport Monthly Pass (Regular Price)

$8.57 NIO 316

$8.17 Rp 141.0K

4.90%

Taxi Start (Normal Tariff)

$0.59 NIO 21.59

$0.45 Rp 7,834

31.11%

Taxi (Normal Tariff) (1km)

$0.58 NIO 21.45

$0.42 Rp 7,278

38.10%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.3K

Gasoline (1 liter)

$0.84 Rp 14.5K

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

$21.2K NIO 781.1K

$26.2K Rp 453.1M

-19.25%

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

$29.4K NIO 1.1M

$32.5K Rp 560.8M

-9.36%

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

$28.40 NIO 1,047

$78.4 Rp 1.4M

-63.78%

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

$3.95 Rp 68.2K

Internet (50+ Mbps, Unlimited Data)

$37.32 NIO 1,375

$24.40 Rp 421.4K

52.95%

Gym Membership (Monthly)

$15.48 NIO 570

$96.5 Rp 1.7M

-83.97%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 109.6K

Cinema Ticket

$4.04 Rp 69.7K

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

$49.21 NIO 1,814

$303 Rp 5.2M

-83.74%

International Primary School, 1 Child (Yearly)

$6,523 Rp 112.6M

Jeans (Levis 501 Or Similar)

$61.2 NIO 2,254

$53.8 Rp 929.5K

13.60%

Summer Dress (H&M, Zara, etc)

$40.59 NIO 1,496

$37.98 Rp 655.8K

6.87%

Sport Shoes (Adidas, Nike)

$80.9 NIO 2,983

$86.8 Rp 1.5M

-6.73%

Men's Leather Business Shoes

$52.8 NIO 1,948

$78.9 Rp 1.4M

-33.00%

1-bedroom Apartment, City Center (Monthly)

$100 NIO 3,691

$1,012 Rp 17.5M

-90.11%

1-bedroom Apartment, Outside City Center (Monthly)

$79.8 NIO 2,940

$674 Rp 11.6M

-88.18%

3-bedroom Apartment, City Center (Monthly)

$178 NIO 6,553

$3,390 Rp 58.5M

-94.76%

3-bedroom Apartment, Outside City Center (Monthly)

$152 NIO 5,587

$2,098 Rp 36.2M

-92.78%

Buy Apartment in City Center (m2)

$1,312 NIO 48.4K

$2,985 Rp 51.5M

-56.05%

Buy Apartment Outside City Center (m2)

$1,014 NIO 37.4K

$2,339 Rp 40.4M

-56.65%

Average Monthly Net Salary (After Tax)

$280 NIO 10.3K

$173 Rp 3.0M

61.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

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

Last update for Jinotega: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $100 in Jinotega and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Jinotega pays 61% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $16.00 in Jinotega vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $172 vs $298 per month, with Jinotega cheaper across the board.

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

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

Jinotega is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment. The 174% gap adds up to real monthly savings that compound significantly over time.

Jinotega pays 61% more on average, 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: $100 in Jinotega versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Jinotega – a meal for two runs $16.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $526 per month in Jinotega versus $1,438 in Ubud, Bali – a 174% gap that adds up to real savings over time for anyone picking the cheaper option.

At $526 in Jinotega versus $1,438 in Ubud, Bali, a $1,500 budget is realistic in Jinotega but tight or insufficient in Ubud, Bali. The gap between the two cities makes Jinotega the clear choice for anyone on this budget.

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

Safety-wise, Jinotega 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 Jinotega gentler on the wallet – expenses run 174% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.