Cost of Living Comparison Between Lomza and Ubud, Bali Cost of Living Comparison Between Lomza and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,476 in Lomza versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $2,098 in Lomza versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,720 in Lomza versus $3,660 in Ubud, Bali.

Living in Lomza is roughly 4% more expensive than Ubud, Bali, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Lomza 10% above, Ubud, Bali 6% above.

Meal at Budget Restaurant

$9.48 zł 34.56

$3.56 Rp 64.3K

166.29%

Three-Course Dinner for Two, Mid-Range

$40.65 zł 148

$32.73 Rp 590.3K

24.20%

Fast Food Meal (McDonalds, etc)

$8.16 zł 29.75

$4.95 Rp 89.2K

64.85%

Cappuccino

$3.19 zł 11.65

$2.71 Rp 48.9K

17.71%

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

$2.12 zł 7.72

$1.34 Rp 24.2K

58.21%

Water (0.33 liter bottle)

$1.63 zł 5.95

$0.70 Rp 12.6K

132.86%

Local Beer (0.5 liter draught)

$2.93 zł 10.70

$2.92 Rp 52.7K

0.34%

Imported Beer (0.33 liter bottle)

$3.59 zł 13.08

$3.96 Rp 71.4K

-9.34%

Milk (1 liter)

$1.05 zł 3.83

$1.81 Rp 32.6K

-41.99%

White Bread (500g)

$1.23 zł 4.49

$2.52 Rp 45.4K

-51.19%

Rice (white) (1kg)

$1.61 zł 5.86

$1.16 Rp 20.9K

38.79%

Eggs

$3.38 zł 12.33

$2.46 Rp 44.4K

37.40%

Local Cheese (1kg)

$7.99 zł 29.12

$14.71 Rp 265.3K

-45.68%

Chicken Fillets (1kg)

$6.23 zł 22.74

$4.32 Rp 77.9K

44.21%

Beef Round Steak (1kg)

$9.62 zł 35.07

$12.14 Rp 218.9K

-20.76%

Apples (1kg)

$1.14 zł 4.17

$3.84 Rp 69.3K

-70.31%

Banana (1kg)

$1.59 zł 5.81

$1.56 Rp 28.1K

1.92%

Oranges (1kg)

$1.63 zł 5.95

$2.83 Rp 51.1K

-42.40%

Tomato (1kg)

$2.50 zł 9.11

$2.33 Rp 41.9K

7.30%

Potato (1kg)

$0.98 zł 3.56

$1.91 Rp 34.5K

-48.69%

Onion (1kg)

$1.19 zł 4.34

$2.20 Rp 39.7K

-45.91%

Lettuce (1 head)

$1.31 zł 4.76

$1.01 Rp 18.3K

29.70%

Water (1.5 liter bottle)

$0.65 zł 2.36

$0.78 Rp 14.0K

-16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$5.21 zł 18.99

$3.32 Rp 59.8K

56.93%

Wine (Bottle)

$7.33 zł 26.74

$23.74 Rp 428.0K

-69.12%

Local Beer (0.5 liter bottle)

$1.07 zł 3.89

$2.79 Rp 50.3K

-61.65%

Imported Beer (0.33 liter bottle)

$1.80 zł 6.56

$2.86 Rp 51.6K

-37.06%

One-way Ticket (Public Transport)

$1.10 zł 4.02

$0.27 Rp 4,848

307.41%

Public Transport Monthly Pass (Regular Price)

$32.16 zł 117

$8.03 Rp 144.8K

300.50%

Taxi Start (Normal Tariff)

$2.14 zł 7.82

$0.46 Rp 8,230

365.22%

Taxi (Normal Tariff) (1km)

$0.77 zł 2.82

$0.45 Rp 8,116

71.11%

Taxi 1hour Waiting (Normal Tariff)

$10.56 zł 38.51

$6.10 Rp 109.9K

73.11%

Gasoline (1 liter)

$1.79 zł 6.52

$0.79 Rp 14.3K

126.58%

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

$33.8K zł 123.1K

$26.1K Rp 471.6M

29.08%

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

$30.7K zł 112.0K

$32.1K Rp 579.2M

-4.41%

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

$290 zł 1,056

$79.9 Rp 1.4M

262.32%

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

$7.64 zł 27.87

$4.06 Rp 73.3K

88.18%

Internet (50+ Mbps, Unlimited Data)

$16.02 zł 58.4

$23.52 Rp 424.1K

-31.89%

Gym Membership (Monthly)

$37.01 zł 135

$98.7 Rp 1.8M

-62.50%

Tennis Court (1 Hour on Weekend)

$19.45 zł 70.9

$6.63 Rp 119.6K

193.36%

Cinema Ticket

$8.47 zł 30.90

$4.15 Rp 74.8K

104.10%

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

$503 zł 1,832

$304 Rp 5.5M

65.32%

International Primary School, 1 Child (Yearly)

$4,707 zł 17.2K

$6,613 Rp 119.3M

-28.82%

Jeans (Levis 501 Or Similar)

$90.3 zł 329

$55.5 Rp 1.0M

62.55%

Summer Dress (H&M, Zara, etc)

$44.63 zł 163

$38.31 Rp 690.9K

16.50%

Sport Shoes (Adidas, Nike)

$102 zł 373

$88.6 Rp 1.6M

15.33%

Men's Leather Business Shoes

$125 zł 456

$77.9 Rp 1.4M

60.45%

1-bedroom Apartment, City Center (Monthly)

$650 zł 2,370

$1,006 Rp 18.1M

-35.43%

1-bedroom Apartment, Outside City Center (Monthly)

$485 zł 1,769

$675 Rp 12.2M

-28.15%

3-bedroom Apartment, City Center (Monthly)

$971 zł 3,542

$3,442 Rp 62.1M

-71.78%

3-bedroom Apartment, Outside City Center (Monthly)

$823 zł 3,001

$2,039 Rp 36.8M

-59.65%

Buy Apartment in City Center (m2)

$3,137 zł 11.4K

$2,841 Rp 51.2M

10.41%

Buy Apartment Outside City Center (m2)

$2,130 zł 7,765

$2,264 Rp 40.8M

-5.93%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

13.28

-52.71%

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

Last update for Lomza: May 30, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $650 in Lomza and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $41.00 in Lomza vs $33.00 in Ubud, Bali. Groceries flip the comparison at $203 vs $302, with Lomza cheaper for home cooking.

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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Getting Around. The 4% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,214 in Lomza and $2,129 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $650 in Lomza versus $1,006 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 300% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $503 in Lomza versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,419 in Ubud, Bali versus $1,476 in Lomza, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Lomza. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Lomza and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 4% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.