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

Monthly Cost of Living

A single person spends $1,003 per month in Ludza vs $1,396 in Ubud, Bali, rent included.

A couple spends around $1,564 per month in Ludza vs $2,334 in Ubud, Bali, rent included.

A family of three spends $2,126 per month in Ludza vs $3,273 in Ubud, Bali, rent included.

Ludza is about 28% cheaper than Ubud, Bali, driven mainly by Eating Out.

Ludza sits 27% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.09 €6.96

$3.37 Rp 59.5K

140.06%

Three-Course Dinner for Two, Mid-Range

$69.4 €59.7

$38.59 Rp 680.3K

79.89%

Fast Food Meal (McDonalds, etc)

$9.13 €7.85

$5.52 Rp 97.3K

65.40%

Cappuccino

$3.79 €3.26

$2.64 Rp 46.6K

43.56%

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

$1.69 €1.45

$1.67 Rp 29.5K

1.20%

Water (0.33 liter bottle)

$1.25 €1.08

$0.77 Rp 13.6K

62.34%

Local Beer (0.5 liter draught)

$5.97 €5.14

$2.63 Rp 46.4K

127.00%

Imported Beer (0.33 liter bottle)

$4.51 €3.88

$4.28 Rp 75.5K

5.37%

Milk (1 liter)

$1.24 €1.06

$1.55 Rp 27.3K

-20.00%

White Bread (500g)

$1.54 €1.33

$2.22 Rp 39.2K

-30.63%

Rice (white) (1kg)

$2.65 €2.28

$1.13 Rp 19.8K

134.51%

Eggs

$3.96 €3.40

$2.09 Rp 36.8K

89.47%

Local Cheese (1kg)

$10.82 €9.31

$17.39 Rp 306.6K

-37.78%

Chicken Fillets (1kg)

$9.11 €7.84

$3.87 Rp 68.2K

135.40%

Beef Round Steak (1kg)

$14.47 €12.45

$12.55 Rp 221.2K

15.30%

Apples (1kg)

$0.67 €0.58

$3.62 Rp 63.8K

-81.49%

Banana (1kg)

$1.53 €1.32

$1.56 Rp 27.5K

-1.92%

Oranges (1kg)

$1.80 €1.55

$2.35 Rp 41.5K

-23.40%

Tomato (1kg)

$3.22 €2.77

$2.06 Rp 36.2K

56.31%

Potato (1kg)

$0.89 €0.77

$1.90 Rp 33.5K

-53.16%

Onion (1kg)

$1.05 €0.90

$2.34 Rp 41.2K

-55.13%

Lettuce (1 head)

$1.86 €1.60

$1.03 Rp 18.2K

80.58%

Water (1.5 liter bottle)

$1.07 €0.92

$0.55 Rp 9,779

94.55%

Cigarettes 20 Pack (Marlboro, Camel)

$7.15 €6.15

$2.25 Rp 39.7K

217.78%

Wine (Bottle)

$8.25 €7.10

$23.81 Rp 419.7K

-65.35%

Local Beer (0.5 liter bottle)

$2.07 €1.78

$2.31 Rp 40.8K

-10.39%

Imported Beer (0.33 liter bottle)

$2.07 €1.78

$2.80 Rp 49.4K

-26.07%

One-way Ticket (Public Transport)

$2.30 €1.98

$0.27 Rp 4,802

751.85%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

Taxi Start (Normal Tariff)

$3.58 €3.08

$0.48 Rp 8,489

645.83%

Taxi (Normal Tariff) (1km)

$1.06 €0.91

$0.45 Rp 7,863

135.56%

Taxi 1hour Waiting (Normal Tariff)

$18.61 €16.01

$5.72 Rp 100.8K

225.35%

Gasoline (1 liter)

$2.01 €1.73

$0.76 Rp 13.4K

164.47%

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

$28.1K €24.1K

$24.5K Rp 431.6M

14.61%

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

$32.0K €27.5K

$32.1K Rp 566.3M

-0.43%

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

$298 €257

$83.6 Rp 1.5M

257.14%

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

$21.55 €18.54

$6.46 Rp 113.8K

233.59%

Internet (50+ Mbps, Unlimited Data)

$20.39 €17.54

$18.99 Rp 334.8K

7.37%

Gym Membership (Monthly)

$56.0 Rp 986.8K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

Cinema Ticket

$11.35 €9.77

$4.28 Rp 75.5K

165.19%

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

$650 €559

$487 Rp 8.6M

33.55%

International Primary School, 1 Child (Yearly)

$18.5K €15.9K

$5,856 Rp 103.2M

216.32%

Jeans (Levis 501 Or Similar)

$71.3 €61.3

$45.56 Rp 803.2K

56.39%

Summer Dress (H&M, Zara, etc)

$52.3 €45.03

$36.38 Rp 641.4K

43.84%

Sport Shoes (Adidas, Nike)

$82.6 €71.1

$82.0 Rp 1.4M

0.82%

Men's Leather Business Shoes

$143 €123

$80.4 Rp 1.4M

78.01%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

Average Monthly Net Salary (After Tax)

$642 €553

$170 Rp 3.0M

278.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.64

13.78

-66.33%

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

Last update for Ludza: August 30, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

Salaries run about 278% higher in Ludza, 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 $69.0 in Ludza versus $39.00 in Ubud, Bali. Groceries tell a different story – $268 in Ludza vs $293 in Ubud, Bali – so Ludza wins on supermarket bills even if dining out costs more.

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

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

Yes – Ubud, Bali is pricier by about 39%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,505 per month in Ludza and $2,095 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $69.0 in Ludza and $39.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 9% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Ludza, where all-in costs run around $1,003, than in Ubud, Bali at $1,396. In Ludza it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Ludza – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Ludza. 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.