Last update: Nov 2026

Cost of Living Comparison Between Kailua, HI and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $4,083 in Kailua, HI, rent and utilities included – about $33,000 less a year. Rent and utilities account for most of the difference.

198

Cost of Living Index in Kailua, HI
Learn more

Kailua, HI Living Index
64

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Kailua, HI

🇺🇸 United States

$4,083

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $4,083 in Kailua, HI versus $1,331 in Ubud, Bali.

Kailua, HI $4,083
Ubud, Bali $1,331

Estimated couple costs with rent: $6,047 in Kailua, HI versus $2,255 in Ubud, Bali.

Kailua, HI $6,047
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $8,011 in Kailua, HI versus $3,180 in Ubud, Bali.

Kailua, HI $8,011
Ubud, Bali $3,180

Living in Kailua, HI is roughly 207% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Kailua, HI is 202% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$27.34 $27.34

$3.38 Rp 61.3K

708.88%

Three-Course Dinner for Two, Mid-Range

$139 $139

$34.65 Rp 629.1K

302.48%

Fast Food Meal (McDonalds, etc)

$11.30 $11.30

$5.57 Rp 101.2K

102.87%

Cappuccino

$6.15 $6.15

$2.62 Rp 47.6K

134.73%

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

$2.93 $2.93

$1.54 Rp 27.9K

90.26%

Water (0.33 liter bottle)

$2.39 $2.39

$0.64 Rp 11.6K

273.44%

Local Beer (0.5 liter draught)

$9.27 $9.27

$2.67 Rp 48.4K

247.19%

Imported Beer (0.33 liter bottle)

$9.24 $9.24

$4.26 Rp 77.4K

116.90%

Milk (1 liter)

$2.20 $2.20

$1.46 Rp 26.5K

50.68%

White Bread (500g)

$7.29 $7.29

$2.29 Rp 41.6K

218.34%

Rice (white) (1kg)

$7.79 $7.79

$1.11 Rp 20.1K

601.80%

Eggs

$8.22 $8.22

$2.10 Rp 38.1K

291.43%

Local Cheese (1kg)

$19.21 $19.21

$15.94 Rp 289.4K

20.51%

Chicken Fillets (1kg)

$16.23 $16.23

$3.88 Rp 70.5K

318.30%

Beef Round Steak (1kg)

$21.84 $21.84

$11.40 Rp 207.0K

91.58%

Apples (1kg)

$7.72 $7.72

$3.55 Rp 64.5K

117.46%

Banana (1kg)

$4.40 $4.40

$1.54 Rp 27.9K

185.71%

Oranges (1kg)

$7.11 $7.11

$2.23 Rp 40.5K

218.83%

Tomato (1kg)

$9.67 $9.67

$1.97 Rp 35.8K

390.86%

Potato (1kg)

$3.77 $3.77

$1.86 Rp 33.7K

102.69%

Onion (1kg)

$4.78 $4.78

$2.42 Rp 43.9K

97.52%

Lettuce (1 head)

$4.51 $4.51

$1.02 Rp 18.6K

342.16%

Water (1.5 liter bottle)

$3.16 $3.16

$0.52 Rp 9,483

507.69%

Cigarettes 20 Pack (Marlboro, Camel)

$12.94 $12.94

$2.20 Rp 39.9K

488.18%

Wine (Bottle)

$16.74 $16.74

$21.79 Rp 395.6K

-23.18%

Local Beer (0.5 liter bottle)

$2.66 $2.66

$2.33 Rp 42.2K

14.16%

Imported Beer (0.33 liter bottle)

$2.04 $2.04

$2.97 Rp 53.9K

-31.31%

One-way Ticket (Public Transport)

$3.98 $3.98

$0.25 Rp 4,546

1492.00%

Public Transport Monthly Pass (Regular Price)

$90.5 $90.5

$8.17 Rp 148.4K

1007.96%

Taxi Start (Normal Tariff)

$3.49 $3.49

$0.44 Rp 7,947

693.18%

Taxi (Normal Tariff) (1km)

$2.65 $2.65

$0.47 Rp 8,496

463.83%

Taxi 1hour Waiting (Normal Tariff)

$44.72 $44.72

$5.60 Rp 101.7K

698.57%

Gasoline (1 liter)

$1.28 $1.28

$0.83 Rp 15.0K

54.22%

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

$35.1K $35.1K

$24.4K Rp 443.8M

43.43%

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

$26.4K $26.4K

$31.7K Rp 575.5M

-16.79%

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

$248 $248

$77.5 Rp 1.4M

220.17%

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

$50.3 $50.3

$6.14 Rp 111.6K

719.38%

Internet (50+ Mbps, Unlimited Data)

$65.8 $65.8

$18.92 Rp 343.4K

247.94%

Gym Membership (Monthly)

$70.2 $70.2

$51.0 Rp 925.8K

37.71%

Tennis Court (1 Hour on Weekend)

$40.36 $40.36

$18.25 Rp 331.3K

121.15%

Cinema Ticket

$18.85 $18.85

$4.38 Rp 79.6K

330.37%

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

$2,142 $2,142

$492 Rp 8.9M

335.09%

International Primary School, 1 Child (Yearly)

$27.4K $27.4K

$12.2K Rp 221.9M

124.23%

Jeans (Levis 501 Or Similar)

$61.6 $61.6

$45.16 Rp 819.9K

36.34%

Summer Dress (H&M, Zara, etc)

$46.91 $46.91

$34.89 Rp 633.4K

34.45%

Sport Shoes (Adidas, Nike)

$101 $101

$78.3 Rp 1.4M

28.32%

Men's Leather Business Shoes

$130 $130

$77.9 Rp 1.4M

66.74%

1-bedroom Apartment, City Center (Monthly)

$2,798 $2,798

$1,078 Rp 19.6M

159.68%

1-bedroom Apartment, Outside City Center (Monthly)

$2,290 $2,290

$665 Rp 12.1M

244.44%

3-bedroom Apartment, City Center (Monthly)

$4,185 $4,185

$3,510 Rp 63.7M

19.23%

3-bedroom Apartment, Outside City Center (Monthly)

$3,745 $3,745

$1,671 Rp 30.3M

124.12%

Buy Apartment in City Center (m2)

$12.3K $12.3K

$2,340 Rp 42.5M

425.64%

Buy Apartment Outside City Center (m2)

$9,901 $9,901

$2,236 Rp 40.6M

342.76%

Average Monthly Net Salary (After Tax)

$4,744 $4,744

$166 Rp 3.0M

2752.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

13.78

-50.73%

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

Last update for Kailua, HI: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Kailua, HI

$2.3K 56.1%

Ubud, Bali

$665 50% 71% $1.6K

Groceries & Markets

Kailua, HI

$633 15.5%

Ubud, Bali

$279 21% 55.8% $353

Eating Out

Kailua, HI

$413 10.1%

Ubud, Bali

$106 8% 74.4% $307

Monthly Utilities & Internet

Kailua, HI

$364 8.9%

Ubud, Bali

$103 7.7% 71.8% $262

Clothing & Footwear

Kailua, HI

$152 3.7%

Ubud, Bali

$106 8% 30.3% $46

Getting Around

Kailua, HI

$123 3%

Ubud, Bali

$12 0.9% 90.3% $111

Sport & Entertainment

Kailua, HI

$108 2.6%

Ubud, Bali

$60 4.5% 44.6% $48

Cost Breakdown

A one-bedroom apartment in the center runs $2,798 in Kailua, HI and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

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

Dining out: $139 in Kailua, HI vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $633 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Kailua, HI

🇮🇩 Ubud, Bali

🕒 Local time

13:30 1:30 PM

07:30 7:30 AM

18 h ahead of Kailua, HI

🌤 Weather

👥 Population

11,975

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.888 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 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 4, 2026: 1 EUR = 1.13 USD (1 USD = 0.888 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Kailua, HI Ubud, Bali 10,190 km ≈ 13 h nonstop flight

From you

Kailua, HI
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

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

Ubud, Bali is about 67% cheaper overall, especially in groceries, eating out, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Kailua, HI 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: $2,798 in Kailua, HI versus $1,078 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 91% less than in Kailua, HI. The price difference matters if you commute daily and watch your budget.

Childcare runs $2,142 in Kailua, HI versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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.

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

Safety-wise, Kailua, HI 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 67% less than in Kailua, HI. Beyond cost, consider language, visa policies, and how big the international community is in each city.