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: $1,547 in Lomza versus $1,374 in Ubud, Bali.

Estimated couple costs with rent: $2,190 in Lomza versus $2,313 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,833 in Lomza versus $3,252 in Ubud, Bali.

Living in Lomza is roughly 13% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Lomza 15% above, Ubud, Bali 2% above.

Meal at Budget Restaurant

$9.77 zł 37.61

$3.32 Rp 59.4K

194.28%

Three-Course Dinner for Two, Mid-Range

$46.94 zł 181

$35.33 Rp 631.4K

32.86%

Fast Food Meal (McDonalds, etc)

$8.89 zł 34.22

$5.33 Rp 95.3K

66.79%

Cappuccino

$3.63 zł 13.97

$2.75 Rp 49.2K

32.00%

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

$2.74 zł 10.55

$1.73 Rp 30.9K

58.38%

Water (0.33 liter bottle)

$2.72 zł 10.49

$0.80 Rp 14.3K

240.00%

Local Beer (0.5 liter draught)

$4.79 zł 18.46

$2.95 Rp 52.7K

62.37%

Imported Beer (0.33 liter bottle)

$5.32 zł 20.49

$4.44 Rp 79.3K

19.82%

Milk (1 liter)

$0.99 zł 3.81

$1.50 Rp 26.8K

-34.00%

White Bread (500g)

$1.08 zł 4.16

$2.30 Rp 41.1K

-53.04%

Rice (white) (1kg)

$1.41 zł 5.44

$1.10 Rp 19.6K

28.18%

Eggs

$3.38 zł 13.02

$2.16 Rp 38.6K

56.48%

Local Cheese (1kg)

$11.01 zł 42.41

$17.09 Rp 305.4K

-35.58%

Chicken Fillets (1kg)

$7.15 zł 27.53

$3.88 Rp 69.3K

84.28%

Beef Round Steak (1kg)

$11.77 zł 45.32

$11.92 Rp 213.0K

-1.26%

Apples (1kg)

$1.22 zł 4.68

$3.57 Rp 63.7K

-65.83%

Banana (1kg)

$1.70 zł 6.55

$1.58 Rp 28.3K

7.59%

Oranges (1kg)

$2.33 zł 8.99

$2.36 Rp 42.2K

-1.27%

Tomato (1kg)

$3.00 zł 11.55

$1.97 Rp 35.1K

52.28%

Potato (1kg)

$0.86 zł 3.30

$1.81 Rp 32.3K

-52.49%

Onion (1kg)

$0.93 zł 3.59

$2.39 Rp 42.7K

-61.09%

Lettuce (1 head)

$1.41 zł 5.44

$1.02 Rp 18.2K

38.24%

Water (1.5 liter bottle)

$0.64 zł 2.45

$0.49 Rp 8,782

30.61%

Cigarettes 20 Pack (Marlboro, Camel)

$5.77 zł 22.24

$2.25 Rp 40.1K

156.44%

Wine (Bottle)

$6.61 zł 25.45

$22.30 Rp 398.5K

-70.36%

Local Beer (0.5 liter bottle)

$1.12 zł 4.31

$2.37 Rp 42.3K

-52.74%

Imported Beer (0.33 liter bottle)

$1.73 zł 6.67

$2.90 Rp 51.7K

-40.34%

One-way Ticket (Public Transport)

$1.11 zł 4.28

$0.25 Rp 4,452

344.00%

Public Transport Monthly Pass (Regular Price)

$32.46 zł 125

$8.55 Rp 152.8K

279.65%

Taxi Start (Normal Tariff)

$1.63 zł 6.26

$0.44 Rp 7,897

270.45%

Taxi (Normal Tariff) (1km)

$0.55 zł 2.12

$0.42 Rp 7,547

30.95%

Taxi 1hour Waiting (Normal Tariff)

$9.45 zł 36.39

$5.66 Rp 101.2K

66.96%

Gasoline (1 liter)

$1.57 zł 6.06

$0.81 Rp 14.6K

93.83%

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

$31.3K zł 120.5K

$23.7K Rp 424.2M

31.76%

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

$27.6K zł 106.3K

$31.0K Rp 553.6M

-10.86%

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

$321 zł 1,237

$82.3 Rp 1.5M

290.32%

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

$8.66 zł 33.37

$6.30 Rp 112.6K

37.46%

Internet (50+ Mbps, Unlimited Data)

$17.43 zł 67.1

$18.63 Rp 333.0K

-6.44%

Gym Membership (Monthly)

$35.37 zł 136

$54.7 Rp 978.1K

-35.37%

Tennis Court (1 Hour on Weekend)

$24.81 zł 95.6

$18.45 Rp 329.7K

34.47%

Cinema Ticket

$7.88 zł 30.34

$4.24 Rp 75.8K

85.85%

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

$525 zł 2,022

$484 Rp 8.7M

8.44%

International Primary School, 1 Child (Yearly)

$10.6K zł 40.8K

$5,590 Rp 99.9M

89.72%

Jeans (Levis 501 Or Similar)

$75.1 zł 289

$45.77 Rp 818.0K

64.15%

Summer Dress (H&M, Zara, etc)

$41.61 zł 160

$35.69 Rp 637.9K

16.59%

Sport Shoes (Adidas, Nike)

$90.6 zł 349

$78.3 Rp 1.4M

15.72%

Men's Leather Business Shoes

$98.9 zł 381

$80.1 Rp 1.4M

23.39%

1-bedroom Apartment, City Center (Monthly)

$610 zł 2,349

$1,147 Rp 20.5M

-46.79%

1-bedroom Apartment, Outside City Center (Monthly)

$509 zł 1,960

$678 Rp 12.1M

-24.93%

3-bedroom Apartment, City Center (Monthly)

$1,009 zł 3,886

$3,504 Rp 62.6M

-71.20%

3-bedroom Apartment, Outside City Center (Monthly)

$834 zł 3,213

$1,688 Rp 30.2M

-50.58%

Buy Apartment in City Center (m2)

$3,347 zł 12.9K

$2,788 Rp 49.8M

20.03%

Buy Apartment Outside City Center (m2)

$2,406 zł 9,267

$2,257 Rp 40.3M

6.62%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

13.78

-50.15%

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

Last update for Lomza: September 27, 2026

Last update for Ubud, Bali: September 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $610 in Lomza and $1,147 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $47.00 in Lomza vs $35.00 in Ubud, Bali. Groceries flip the comparison at $225 vs $286, 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, Monthly Utilities & Internet. The 13% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,320 in Lomza and $2,062 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: $610 in Lomza versus $1,147 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 280% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $525 in Lomza versus $484 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,374 in Ubud, Bali versus $1,547 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 13% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.