Last update: Oct 2026

Cost of Living Comparison Between Koszalin and Ubud, Bali

For one person, living is cheaper in Koszalin: $1,285 a month against $1,349 in Ubud, Bali, rent and utilities included – about $770 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

62

Cost of Living Index in Koszalin
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Koszalin Living Index
65

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

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Koszalin

🇵🇱 Poland

$1,285

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,285 in Koszalin versus $1,349 in Ubud, Bali.

Koszalin $1,285
Ubud, Bali $1,349

Estimated couple costs with rent: $1,906 in Koszalin versus $2,305 in Ubud, Bali.

Koszalin $1,906
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,527 in Koszalin versus $3,261 in Ubud, Bali.

Koszalin $2,527
Ubud, Bali $3,261

Living in Koszalin costs roughly 5% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$8.34 zł 32.87

$3.32 Rp 60.3K

151.20%

Three-Course Dinner for Two, Mid-Range

$38.69 zł 153

$35.64 Rp 646.7K

8.56%

Fast Food Meal (McDonalds, etc)

$8.79 zł 34.68

$5.53 Rp 100.4K

58.95%

Cappuccino

$2.89 zł 11.39

$2.72 Rp 49.3K

6.25%

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

$1.63 zł 6.41

$1.70 Rp 30.9K

-4.12%

Water (0.33 liter bottle)

$1.25 zł 4.93

$0.76 Rp 13.8K

64.47%

Local Beer (0.5 liter draught)

$3.88 zł 15.30

$2.65 Rp 48.2K

46.42%

Imported Beer (0.33 liter bottle)

$2.59 zł 10.23

$4.38 Rp 79.5K

-40.87%

Milk (1 liter)

$0.91 zł 3.60

$1.49 Rp 27.1K

-38.93%

White Bread (500g)

$1.13 zł 4.45

$2.28 Rp 41.3K

-50.44%

Rice (white) (1kg)

$0.79 zł 3.11

$1.19 Rp 21.6K

-33.61%

Eggs

$2.87 zł 11.34

$2.04 Rp 36.9K

40.69%

Local Cheese (1kg)

$8.58 zł 33.82

$17.70 Rp 321.2K

-51.53%

Chicken Fillets (1kg)

$6.49 zł 25.59

$3.96 Rp 71.9K

63.89%

Beef Round Steak (1kg)

$9.13 zł 35.99

$12.19 Rp 221.2K

-25.10%

Apples (1kg)

$0.82 zł 3.22

$3.66 Rp 66.3K

-77.60%

Banana (1kg)

$1.11 zł 4.39

$1.52 Rp 27.5K

-26.97%

Oranges (1kg)

$1.75 zł 6.92

$2.23 Rp 40.4K

-21.52%

Tomato (1kg)

$2.24 zł 8.82

$1.97 Rp 35.8K

13.71%

Potato (1kg)

$0.60 zł 2.38

$1.85 Rp 33.5K

-67.57%

Onion (1kg)

$0.79 zł 3.11

$2.42 Rp 44.0K

-67.36%

Lettuce (1 head)

$0.91 zł 3.59

$0.99 Rp 18.0K

-8.08%

Water (1.5 liter bottle)

$0.53 zł 2.10

$0.51 Rp 9,316

3.92%

Cigarettes 20 Pack (Marlboro, Camel)

$4.82 zł 18.99

$2.22 Rp 40.3K

117.12%

Wine (Bottle)

$6.16 zł 24.29

$22.24 Rp 403.6K

-72.30%

Local Beer (0.5 liter bottle)

$1.09 zł 4.29

$2.26 Rp 41.0K

-51.77%

Imported Beer (0.33 liter bottle)

$1.38 zł 5.43

$2.97 Rp 53.9K

-53.54%

One-way Ticket (Public Transport)

$1.05 zł 4.12

$0.25 Rp 4,555

320.00%

Public Transport Monthly Pass (Regular Price)

$27.89 zł 110

$7.82 Rp 142.0K

256.65%

Taxi Start (Normal Tariff)

$2.07 zł 8.16

$0.44 Rp 7,975

370.45%

Taxi (Normal Tariff) (1km)

$0.67 zł 2.65

$0.43 Rp 7,804

55.81%

Taxi 1hour Waiting (Normal Tariff)

$8.87 zł 34.98

$5.41 Rp 98.2K

63.96%

Gasoline (1 liter)

$1.57 zł 6.20

$0.82 Rp 15.0K

91.46%

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

$29.7K zł 117.1K

$23.8K Rp 432.6M

24.53%

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

$27.8K zł 109.7K

$31.7K Rp 576.1M

-12.40%

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

$292 zł 1,153

$79.1 Rp 1.4M

269.85%

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

$10.32 zł 40.70

$6.45 Rp 117.0K

60.00%

Internet (50+ Mbps, Unlimited Data)

$17.17 zł 67.7

$18.58 Rp 337.1K

-7.59%

Gym Membership (Monthly)

$35.21 zł 139

$49.48 Rp 897.9K

-28.84%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$7.81 zł 30.79

$4.27 Rp 77.6K

82.90%

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

$522 zł 2,057

$491 Rp 8.9M

6.35%

International Primary School, 1 Child (Yearly)

$7,944 zł 31.3K

$5,674 Rp 103.0M

40.00%

Jeans (Levis 501 Or Similar)

$86.2 zł 340

$44.64 Rp 810.0K

93.15%

Summer Dress (H&M, Zara, etc)

$47.55 zł 187

$34.95 Rp 634.2K

36.05%

Sport Shoes (Adidas, Nike)

$92.4 zł 364

$79.9 Rp 1.4M

15.61%

Men's Leather Business Shoes

$100 zł 395

$79.4 Rp 1.4M

26.00%

1-bedroom Apartment, City Center (Monthly)

$638 zł 2,514

$1,125 Rp 20.4M

-43.33%

1-bedroom Apartment, Outside City Center (Monthly)

$382 zł 1,508

$671 Rp 12.2M

-43.07%

3-bedroom Apartment, City Center (Monthly)

$1,025 zł 4,042

$3,565 Rp 64.7M

-71.24%

3-bedroom Apartment, Outside City Center (Monthly)

$747 zł 2,945

$1,723 Rp 31.3M

-56.66%

Buy Apartment in City Center (m2)

$2,130 zł 8,398

$2,732 Rp 49.6M

-22.03%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$1,234 zł 4,865

$164 Rp 3.0M

652.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

13.78

-51.60%

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

Last update for Koszalin: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Koszalin

$382 29.8%

Ubud, Bali

$672 49.8% 75.6% $289

Monthly Utilities & Internet

Koszalin

$320 24.9%

Ubud, Bali

$104 7.7% 67.5% $216

Groceries & Markets

Koszalin

$184 14.3%

Ubud, Bali

$288 21.4% 57.2% $105

Eating Out

Koszalin

$164 12.8%

Ubud, Bali

$108 8% 34.3% $56

Clothing & Footwear

Koszalin

$147 11.4%

Ubud, Bali

$108 8% 26.8% $39

Sport & Entertainment

Koszalin

$51 4%

Ubud, Bali

$58 4.3% 14.2% $7.2

Getting Around

Koszalin

$38 2.9%

Ubud, Bali

$11 0.9% 69.5% $26

Cost Breakdown

A one-bedroom apartment in the center runs $638 in Koszalin and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Koszalin pays about 7.5 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $39 in Koszalin vs $36 in Ubud, Bali. Groceries flip the comparison at $184 vs $288, with Koszalin cheaper for home cooking.

Good to know

🇵🇱 Koszalin

🇮🇩 Ubud, Bali

🕒 Local time

21:08 9:08 PM

04:08 4:08 AM

7 h ahead of Koszalin

🌤 Weather

👥 Population

105,143

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.254 USD

1 PLN = 0.226 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 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 2, 2026: 1 USD = 3.94 PLN (1 PLN = 0.254 USD). 1 EUR = 4.42 PLN (1 PLN = 0.226 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Koszalin Ubud, Bali 11,360 km ≈ 15 h nonstop flight

From you

Koszalin
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

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

Koszalin is about 5% cheaper overall, especially in groceries and leisure. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Koszalin is about 7.5 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: $638 in Koszalin versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 57% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $39 in Koszalin. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,500 a month, though Koszalin gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Koszalin and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.