Last update: Nov 2026

Cost of Living Comparison Between Kartuzy and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,454 in Kartuzy, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Kartuzy
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Kartuzy Living Index
64

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

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Kartuzy

🇵🇱 Poland

$1,454

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $1,454 per month in Kartuzy vs $1,331 in Ubud, Bali, rent included.

Kartuzy $1,454
Ubud, Bali $1,331

A couple spends around $2,079 per month in Kartuzy vs $2,255 in Ubud, Bali, rent included.

Kartuzy $2,079
Ubud, Bali $2,255

A family of three spends $2,704 per month in Kartuzy vs $3,180 in Ubud, Bali, rent included.

Kartuzy $2,704
Ubud, Bali $3,180

Kartuzy costs about 9% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Kartuzy sits 8% above the global median, while Ubud, Bali is 2% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.42 zł 32.99

$3.38 Rp 60.9K

149.11%

Three-Course Dinner for Two, Mid-Range

$42.67 zł 167

$34.65 Rp 625.4K

23.15%

Fast Food Meal (McDonalds, etc)

$8.60 zł 33.73

$5.57 Rp 100.6K

54.40%

Cappuccino

$3.47 zł 13.61

$2.62 Rp 47.3K

32.44%

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

$2.17 zł 8.51

$1.54 Rp 27.8K

40.91%

Water (0.33 liter bottle)

$1.57 zł 6.15

$0.64 Rp 11.6K

145.31%

Local Beer (0.5 liter draught)

$3.48 zł 13.64

$2.67 Rp 48.1K

30.34%

Imported Beer (0.33 liter bottle)

$3.88 zł 15.22

$4.26 Rp 76.9K

-8.92%

Milk (1 liter)

$1.00 zł 3.90

$1.46 Rp 26.4K

-31.51%

White Bread (500g)

$1.20 zł 4.71

$2.29 Rp 41.4K

-47.60%

Rice (white) (1kg)

$1.16 zł 4.56

$1.11 Rp 20.0K

4.50%

Eggs

$3.22 zł 12.63

$2.10 Rp 37.9K

53.33%

Local Cheese (1kg)

$8.79 zł 34.47

$15.94 Rp 287.7K

-44.86%

Chicken Fillets (1kg)

$6.26 zł 24.55

$3.88 Rp 70.1K

61.34%

Beef Round Steak (1kg)

$11.89 zł 46.60

$11.40 Rp 205.8K

4.30%

Apples (1kg)

$1.11 zł 4.35

$3.55 Rp 64.1K

-68.73%

Banana (1kg)

$1.65 zł 6.47

$1.54 Rp 27.7K

7.14%

Oranges (1kg)

$1.59 zł 6.23

$2.23 Rp 40.2K

-28.70%

Tomato (1kg)

$2.76 zł 10.82

$1.97 Rp 35.6K

40.10%

Potato (1kg)

$0.82 zł 3.22

$1.86 Rp 33.5K

-55.91%

Onion (1kg)

$0.99 zł 3.87

$2.42 Rp 43.6K

-59.09%

Lettuce (1 head)

$1.30 zł 5.10

$1.02 Rp 18.5K

27.45%

Water (1.5 liter bottle)

$0.61 zł 2.40

$0.52 Rp 9,427

17.31%

Cigarettes 20 Pack (Marlboro, Camel)

$4.46 zł 17.50

$2.20 Rp 39.7K

102.73%

Wine (Bottle)

$6.58 zł 25.81

$21.79 Rp 393.2K

-69.80%

Local Beer (0.5 liter bottle)

$1.09 zł 4.28

$2.33 Rp 42.0K

-53.22%

Imported Beer (0.33 liter bottle)

$1.54 zł 6.05

$2.97 Rp 53.6K

-48.15%

One-way Ticket (Public Transport)

$1.09 zł 4.26

$0.25 Rp 4,519

336.00%

Public Transport Monthly Pass (Regular Price)

$29.61 zł 116

$8.17 Rp 147.5K

262.42%

Taxi Start (Normal Tariff)

$2.02 zł 7.92

$0.44 Rp 7,901

359.09%

Taxi (Normal Tariff) (1km)

$0.79 zł 3.10

$0.47 Rp 8,446

68.09%

Taxi 1hour Waiting (Normal Tariff)

$10.30 zł 40.38

$5.60 Rp 101.1K

83.93%

Gasoline (1 liter)

$1.66 zł 6.52

$0.83 Rp 14.9K

100.00%

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

$30.0K zł 117.4K

$24.4K Rp 441.3M

22.54%

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

$28.2K zł 110.6K

$31.7K Rp 572.1M

-11.00%

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

$288 zł 1,129

$77.5 Rp 1.4M

271.75%

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

$8.49 zł 33.29

$6.14 Rp 110.9K

38.27%

Internet (50+ Mbps, Unlimited Data)

$17.46 zł 68.5

$18.92 Rp 341.4K

-7.72%

Gym Membership (Monthly)

$38.58 zł 151

$51.0 Rp 920.4K

-24.34%

Tennis Court (1 Hour on Weekend)

$22.18 zł 86.9

$18.25 Rp 329.4K

21.53%

Cinema Ticket

$7.71 zł 30.24

$4.38 Rp 79.1K

76.03%

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

$369 zł 1,446

$492 Rp 8.9M

-25.08%

International Primary School, 1 Child (Yearly)

$8,042 zł 31.5K

$12.2K Rp 220.6M

-34.20%

Jeans (Levis 501 Or Similar)

$81.3 zł 319

$45.16 Rp 815.1K

80.03%

Summer Dress (H&M, Zara, etc)

$37.71 zł 148

$34.89 Rp 629.7K

8.08%

Sport Shoes (Adidas, Nike)

$89.6 zł 351

$78.3 Rp 1.4M

14.40%

Men's Leather Business Shoes

$101 zł 397

$77.9 Rp 1.4M

30.10%

1-bedroom Apartment, City Center (Monthly)

$602 zł 2,358

$1,078 Rp 19.4M

-44.17%

1-bedroom Apartment, Outside City Center (Monthly)

$524 zł 2,056

$665 Rp 12.0M

-21.13%

3-bedroom Apartment, City Center (Monthly)

$965 zł 3,781

$3,510 Rp 63.4M

-72.52%

3-bedroom Apartment, Outside City Center (Monthly)

$815 zł 3,195

$1,671 Rp 30.2M

-51.23%

Buy Apartment in City Center (m2)

$2,880 zł 11.3K

$2,340 Rp 42.2M

23.07%

Buy Apartment Outside City Center (m2)

$2,216 zł 8,685

$2,236 Rp 40.4M

-0.92%

Average Monthly Net Salary (After Tax)

$1,246 zł 4,883

$166 Rp 3.0M

648.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.74

13.78

-51.09%

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

Last update for Kartuzy: November 3, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Kartuzy

$524 36.1%

Ubud, Bali

$665 50% 26.8% $141

Monthly Utilities & Internet

Kartuzy

$314 21.6%

Ubud, Bali

$103 7.7% 67.3% $211

Groceries & Markets

Kartuzy

$207 14.3%

Ubud, Bali

$279 21% 34.9% $72

Eating Out

Kartuzy

$175 12%

Ubud, Bali

$106 8% 39.5% $69

Clothing & Footwear

Kartuzy

$139 9.6%

Ubud, Bali

$106 8% 23.8% $33

Sport & Entertainment

Kartuzy

$54 3.7%

Ubud, Bali

$60 4.5% 10.6% $5.8

Getting Around

Kartuzy

$40 2.8%

Ubud, Bali

$12 0.9% 70.1% $28

Cost Breakdown

A central one-bedroom costs $602 in Kartuzy versus $1,078 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Kartuzy are about 7.5 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $43 in Kartuzy versus $35 in Ubud, Bali. Groceries tell a different story – $207 in Kartuzy vs $279 in Ubud, Bali – so Kartuzy wins on supermarket bills even if dining out costs more.

Good to know

🇵🇱 Kartuzy

🇮🇩 Ubud, Bali

🕒 Local time

12:52 12:52 PM

19:52 7:52 PM

7 h ahead of Kartuzy

🌤 Weather

👥 Population

14,186

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.255 USD

1 PLN = 0.227 EUR

100,000 IDR = 5.54 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of November 6, 2026: 1 USD = 3.92 PLN (1 PLN = 0.255 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,271 IDR (100,000 IDR = 4.93 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Kartuzy Ubud, Bali 11,230 km ≈ 15 h nonstop flight

From you

Kartuzy
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

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

Kartuzy costs about 9% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,181 per month in Kartuzy and $1,996 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kartuzy, especially for central apartments: a one-bedroom in the center costs $602 there versus $1,078 in Ubud, Bali.

Kindergarten costs $369 per month in Kartuzy and $492 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 26% cheaper in Kartuzy – one category where the pricier city actually offers better value.

$1,000 is a stretch for both – monthly costs hit $1,454 in Kartuzy and $1,331 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,331 in Ubud, Bali to $1,454 in Kartuzy. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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