Last update: Oct 2026

Cost of Living Comparison Between Jos and Ubud, Bali

For one person, living is cheaper in Jos: $534 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,800 less a year. Rent and utilities account for most of the difference.

26

Cost of Living Index in Jos
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Jos Living Index
65

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

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Jos

🇳🇬 Nigeria

$534

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $534 per month in Jos vs $1,349 in Ubud, Bali, rent included.

Jos $534
Ubud, Bali $1,349

A couple spends around $1,097 per month in Jos vs $2,305 in Ubud, Bali, rent included.

Jos $1,097
Ubud, Bali $2,305

A family of three spends $1,661 per month in Jos vs $3,261 in Ubud, Bali, rent included.

Jos $1,661
Ubud, Bali $3,261

Jos is about 60% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$2.04 ₦2,729

$3.32 Rp 59.9K

-38.55%

Three-Course Dinner for Two, Mid-Range

$30.16 ₦40.4K

$35.64 Rp 642.4K

-15.38%

Fast Food Meal (McDonalds, etc)

$3.97 ₦5,325

$5.53 Rp 99.7K

-28.21%

Cappuccino

$3.25 ₦4,357

$2.72 Rp 49.0K

19.49%

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

$0.43 ₦571

$1.70 Rp 30.7K

-74.71%

Water (0.33 liter bottle)

$0.67 ₦896

$0.76 Rp 13.7K

-11.84%

Local Beer (0.5 liter draught)

$1.02 ₦1,366

$2.65 Rp 47.8K

-61.51%

Imported Beer (0.33 liter bottle)

$1.98 ₦2,658

$4.38 Rp 79.0K

-54.79%

Milk (1 liter)

$3.70 ₦4,958

$1.49 Rp 26.9K

148.32%

White Bread (500g)

$0.87 ₦1,171

$2.28 Rp 41.0K

-61.84%

Rice (white) (1kg)

$2.19 ₦2,931

$1.19 Rp 21.5K

84.03%

Eggs

$1.79 ₦2,397

$2.04 Rp 36.7K

-12.25%

Local Cheese (1kg)

$9.95 ₦13.3K

$17.70 Rp 319.1K

-43.79%

Chicken Fillets (1kg)

$5.02 ₦6,728

$3.96 Rp 71.4K

26.77%

Beef Round Steak (1kg)

$4.02 ₦5,384

$12.19 Rp 219.7K

-67.02%

Apples (1kg)

$2.00 ₦2,674

$3.66 Rp 65.9K

-45.36%

Banana (1kg)

$1.45 ₦1,940

$1.52 Rp 27.4K

-4.61%

Oranges (1kg)

$1.51 ₦2,025

$2.23 Rp 40.2K

-32.29%

Tomato (1kg)

$2.27 ₦3,046

$1.97 Rp 35.6K

15.23%

Potato (1kg)

$1.78 ₦2,390

$1.85 Rp 33.3K

-3.78%

Onion (1kg)

$2.41 ₦3,229

$2.42 Rp 43.7K

-0.41%

Lettuce (1 head)

$0.59 ₦785

$0.99 Rp 17.8K

-40.40%

Water (1.5 liter bottle)

$0.40 ₦534

$0.51 Rp 9,255

-21.57%

Cigarettes 20 Pack (Marlboro, Camel)

$1.95 ₦2,619

$2.22 Rp 40.0K

-12.16%

Wine (Bottle)

$5.93 ₦7,949

$22.24 Rp 400.9K

-73.34%

Local Beer (0.5 liter bottle)

$1.20 ₦1,605

$2.26 Rp 40.7K

-46.90%

Imported Beer (0.33 liter bottle)

$1.77 ₦2,371

$2.97 Rp 53.5K

-40.40%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$0.58 ₦780

$0.44 Rp 7,923

31.82%

Taxi (Normal Tariff) (1km)

$0.87 ₦1,166

$0.43 Rp 7,753

102.33%

Taxi 1hour Waiting (Normal Tariff)

$1.83 ₦2,453

$5.41 Rp 97.5K

-66.17%

Gasoline (1 liter)

$0.54 ₦723

$0.82 Rp 14.9K

-34.15%

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

$25.7K ₦34.4M

$23.8K Rp 429.7M

7.61%

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

$36.3K ₦48.6M

$31.7K Rp 572.3M

14.23%

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

$100 ₦134.5K

$79.1 Rp 1.4M

26.93%

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

$6.50 ₦8,712

$6.45 Rp 116.2K

0.78%

Internet (50+ Mbps, Unlimited Data)

$28.97 ₦38.8K

$18.58 Rp 334.9K

55.92%

Gym Membership (Monthly)

$39.52 ₦53.0K

$49.48 Rp 892.0K

-20.13%

Tennis Court (1 Hour on Weekend)

$12.03 ₦16.1K

$17.65 Rp 318.1K

-31.84%

Cinema Ticket

$6.22 ₦8,331

$4.27 Rp 77.0K

45.67%

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

$44.67 ₦59.9K

$491 Rp 8.8M

-90.89%

International Primary School, 1 Child (Yearly)

$1,001 ₦1.3M

$5,674 Rp 102.3M

-82.35%

Jeans (Levis 501 Or Similar)

$10.09 ₦13.5K

$44.64 Rp 804.7K

-77.40%

Summer Dress (H&M, Zara, etc)

$14.98 ₦20.1K

$34.95 Rp 630.1K

-57.14%

Sport Shoes (Adidas, Nike)

$51.0 ₦68.3K

$79.9 Rp 1.4M

-36.18%

Men's Leather Business Shoes

$50.1 ₦67.1K

$79.4 Rp 1.4M

-36.93%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$554 ₦743.1K

$3,565 Rp 64.3M

-84.45%

3-bedroom Apartment, Outside City Center (Monthly)

$483 ₦646.7K

$1,723 Rp 31.1M

-72.00%

Buy Apartment in City Center (m2)

$2,030 ₦2.7M

$2,732 Rp 49.2M

-25.69%

Buy Apartment Outside City Center (m2)

$1,485 ₦2.0M

$2,284 Rp 41.2M

-35.00%

Average Monthly Net Salary (After Tax)

$102 ₦136.4K

$164 Rp 3.0M

-37.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

22.5

13.78

63.28%

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

Last update for Jos: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Jos

$203 38.1%

Ubud, Bali

$288 21.4% 41.8% $85

Monthly Utilities & Internet

Jos

$136 25.5%

Ubud, Bali

$104 7.7% 23.4% $32

Eating Out

Jos

$81 15.1%

Ubud, Bali

$108 8% 33.5% $27

Clothing & Footwear

Jos

$57 10.6%

Ubud, Bali

$108 8% 89.4% $51

Sport & Entertainment

Jos

$52 9.7%

Ubud, Bali

$58 4.3% 11.7% $6.1

Getting Around

Jos

$4.9 * 0.9%

Ubud, Bali

$11 0.9% 132% $6.5

Accommodation & Living

Jos

- * 0%

Ubud, Bali

$672 49.8%

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

Cost Breakdown

Salaries run about 61% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $30 in Jos versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $203 vs $288 – making Jos the more affordable choice for daily food spending.

Good to know

🇳🇬 Jos

🇮🇩 Ubud, Bali

🕒 Local time

12:18 12:18 PM

19:18 7:18 PM

7 h ahead of Jos

🌤 Weather

👥 Population

900,000

74,800

💱 Currency

Nigerian Naira NGN ₦

Indonesian Rupiah IDR Rp

📈 Exchange rate

10,000 NGN = 7.46 USD

10,000 NGN = 6.7 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD, EUR to NGN – Nigerian Naira Converter

🇺🇸 United States Dollar ($)

🇳🇬 Nigerian Naira (₦)

Nigerian Naira exchange rates as of October 28, 2026: 1 USD = 1,340 NGN (10,000 NGN = 7.46 USD). 1 EUR = 1,492 NGN (10,000 NGN = 6.7 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to NGN in detail →

On the map

Lowest

Highest

Between locations

Jos Ubud, Bali 11,950 km ≈ 15 h nonstop flight

From you

Jos
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

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

Monthly costs with rent: $534 in Jos, $1,349 in Ubud, Bali – roughly 153% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $800 per month in Jos and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $30 in Jos and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 42% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,200 monthly budget goes further in Jos, where all-in costs run around $534, than in Ubud, Bali at $1,349. In Jos it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $534 in Jos to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Jos. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.