Last update: Oct 2026

Cost of Living Comparison Between Loja and Ubud, Bali

For one person, living is cheaper in Loja: $676 a month against $1,368 in Ubud, Bali, rent and utilities included – about $8,300 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Loja
Learn more

Loja Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Loja

🇪🇨 Ecuador

$676

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $676 per month in Loja vs $1,368 in Ubud, Bali, rent included.

Loja $676
Ubud, Bali $1,368

A couple spends around $1,067 per month in Loja vs $2,314 in Ubud, Bali, rent included.

Loja $1,067
Ubud, Bali $2,314

A family of three spends $1,459 per month in Loja vs $3,260 in Ubud, Bali, rent included.

Loja $1,459
Ubud, Bali $3,260

Loja is about 51% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Loja sits 50% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.08 $3.08

$3.33 Rp 59.9K

-7.51%

Three-Course Dinner for Two, Mid-Range

$20.71 $20.71

$35.18 Rp 633.2K

-41.13%

Fast Food Meal (McDonalds, etc)

$5.44 $5.44

$5.80 Rp 104.5K

-6.21%

Cappuccino

$2.22 $2.22

$2.73 Rp 49.1K

-18.68%

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

$0.77 $0.77

$1.64 Rp 29.5K

-53.05%

Water (0.33 liter bottle)

$0.45 $0.45

$0.83 Rp 15.0K

-45.78%

Local Beer (0.5 liter draught)

$1.22 $1.22

$2.70 Rp 48.6K

-54.81%

Imported Beer (0.33 liter bottle)

$3.17 $3.17

$4.30 Rp 77.4K

-26.28%

Milk (1 liter)

$0.99 $0.99

$1.50 Rp 27.1K

-34.00%

White Bread (500g)

$1.51 $1.51

$2.30 Rp 41.4K

-34.35%

Rice (white) (1kg)

$1.32 $1.32

$1.18 Rp 21.2K

11.86%

Eggs

$1.92 $1.92

$2.14 Rp 38.6K

-10.28%

Local Cheese (1kg)

$5.79 $5.79

$17.48 Rp 314.6K

-66.88%

Chicken Fillets (1kg)

$4.15 $4.15

$4.03 Rp 72.5K

2.98%

Beef Round Steak (1kg)

$5.96 $5.96

$12.23 Rp 220.1K

-51.27%

Apples (1kg)

$1.69 $1.69

$3.55 Rp 63.9K

-52.39%

Banana (1kg)

$1.05 $1.05

$1.57 Rp 28.3K

-33.12%

Oranges (1kg)

$1.18 $1.18

$2.24 Rp 40.2K

-47.32%

Tomato (1kg)

$1.07 $1.07

$1.93 Rp 34.7K

-44.56%

Potato (1kg)

$1.06 $1.06

$1.88 Rp 33.9K

-43.62%

Onion (1kg)

$1.07 $1.07

$2.29 Rp 41.3K

-53.28%

Lettuce (1 head)

$0.51 $0.51

$0.99 Rp 17.9K

-48.48%

Water (1.5 liter bottle)

$1.13 $1.13

$0.53 Rp 9,475

113.21%

Cigarettes 20 Pack (Marlboro, Camel)

$5.23 $5.23

$2.28 Rp 41.1K

129.39%

Wine (Bottle)

$6.86 $6.86

$23.01 Rp 414.2K

-70.19%

Local Beer (0.5 liter bottle)

$1.52 $1.52

$2.34 Rp 42.2K

-35.04%

Imported Beer (0.33 liter bottle)

$3.05 $3.05

$2.91 Rp 52.4K

4.81%

One-way Ticket (Public Transport)

$0.31 $0.31

$0.24 Rp 4,315

29.17%

Public Transport Monthly Pass (Regular Price)

$30.33 $30.33

$8.82 Rp 158.7K

243.88%

Taxi Start (Normal Tariff)

$1.27 $1.27

$0.48 Rp 8,684

164.58%

Taxi (Normal Tariff) (1km)

$1.09 $1.09

$0.46 Rp 8,233

136.96%

Taxi 1hour Waiting (Normal Tariff)

$9.88 $9.88

$5.45 Rp 98.2K

81.28%

Gasoline (1 liter)

$0.78 $0.78

$0.88 Rp 15.9K

-11.36%

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

$14.8K $14.8K

$24.6K Rp 442.2M

-39.65%

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

$28.7K $28.7K

$31.2K Rp 561.4M

-7.93%

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

$19.65 $19.65

$83.0 Rp 1.5M

-76.33%

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

$11.63 $11.63

$6.45 Rp 116.0K

80.31%

Internet (50+ Mbps, Unlimited Data)

$26.57 $26.57

$18.57 Rp 334.2K

43.08%

Gym Membership (Monthly)

$30.27 $30.27

$55.8 Rp 1.0M

-45.77%

Tennis Court (1 Hour on Weekend)

$14.88 $14.88

$18.11 Rp 326.0K

-17.84%

Cinema Ticket

$7.46 $7.46

$4.38 Rp 78.9K

70.32%

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

$183 $183

$493 Rp 8.9M

-62.87%

International Primary School, 1 Child (Yearly)

$2,017 $2,017

$5,754 Rp 103.6M

-64.95%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$46.19 Rp 831.4K

14.29%

Summer Dress (H&M, Zara, etc)

$47.03 $47.03

$35.33 Rp 636.0K

33.12%

Sport Shoes (Adidas, Nike)

$79.1 $79.1

$79.1 Rp 1.4M

0.06%

Men's Leather Business Shoes

$71.2 $71.2

$78.4 Rp 1.4M

-9.24%

1-bedroom Apartment, City Center (Monthly)

$237 $237

$1,142 Rp 20.6M

-79.25%

1-bedroom Apartment, Outside City Center (Monthly)

$170 $170

$676 Rp 12.2M

-74.82%

3-bedroom Apartment, City Center (Monthly)

$389 $389

$3,503 Rp 63.1M

-88.89%

3-bedroom Apartment, Outside City Center (Monthly)

$310 $310

$1,700 Rp 30.6M

-81.75%

Buy Apartment in City Center (m2)

$554 $554

$2,784 Rp 50.1M

-80.12%

Buy Apartment Outside City Center (m2)

$323 $323

$2,241 Rp 40.3M

-85.57%

Average Monthly Net Salary (After Tax)

$496 $496

$165 Rp 3.0M

201.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.5

13.78

-38.32%

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

Last update for Loja: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Loja

$170 25.2%

Ubud, Bali

$676 49.4% 297% $506

Groceries & Markets

Loja

$167 24.7%

Ubud, Bali

$290 21.2% 73.7% $123

Clothing & Footwear

Loja

$113 16.7%

Ubud, Bali

$108 7.9% 4.4% $5

Eating Out

Loja

$85 12.6%

Ubud, Bali

$109 8% 28.1% $24

Monthly Utilities & Internet

Loja

$58 8.6%

Ubud, Bali

$108 7.9% 86.7% $50

Sport & Entertainment

Loja

$45 6.7%

Ubud, Bali

$65 4.7% 42.9% $19

Getting Around

Loja

$38 5.7%

Ubud, Bali

$13 0.9% 67.2% $26

Cost Breakdown

A central one-bedroom costs $237 in Loja versus $1,142 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 run about 202% higher in Loja, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $21.00 in Loja versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $167 vs $290 – making Loja the more affordable choice for daily food spending.

Good to know

🇪🇨 Loja

🇮🇩 Ubud, Bali

🕒 Local time

22:25 10:25 PM

11:25 11:25 AM

13 h ahead of Loja

🌤 Weather

👥 Population

180,617

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 October 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Loja Ubud, Bali 17,890 km ≈ 23 h nonstop flight

From you

Loja
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

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

Monthly costs with rent: $676 in Loja, $1,368 in Ubud, Bali – roughly 102% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,014 per month in Loja and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loja, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 244% less in Loja. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $183 per month in Loja and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Loja, where all-in costs run around $676, than in Ubud, Bali at $1,368. In Loja 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 $676 in Loja to $1,368 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Loja. 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.