Last update: Oct 2026

Cost of Living Comparison Between Masaya and Ubud, Bali

For one person, living is cheaper in Masaya: $823 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

39

Cost of Living Index in Masaya
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Masaya Living Index
65

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

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Masaya

🇳🇮 Nicaragua

$823

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $823 per month in Masaya vs $1,349 in Ubud, Bali, rent included.

Masaya $823
Ubud, Bali $1,349

A couple spends around $1,283 per month in Masaya vs $2,305 in Ubud, Bali, rent included.

Masaya $1,283
Ubud, Bali $2,305

A family of three spends $1,744 per month in Masaya vs $3,261 in Ubud, Bali, rent included.

Masaya $1,744
Ubud, Bali $3,261

Masaya is about 39% cheaper than Ubud, Bali, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$9.92 NIO 363

$3.32 Rp 60.4K

198.80%

Three-Course Dinner for Two, Mid-Range

$34.43 NIO 1,261

$35.64 Rp 647.8K

-3.40%

Fast Food Meal (McDonalds, etc)

$7.73 NIO 283

$5.53 Rp 100.6K

39.78%

Cappuccino

$2.54 NIO 93.0

$2.72 Rp 49.4K

-6.62%

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

$0.91 NIO 33.22

$1.70 Rp 30.9K

-46.47%

Water (0.33 liter bottle)

$0.73 NIO 26.84

$0.76 Rp 13.8K

-3.95%

Local Beer (0.5 liter draught)

$1.53 NIO 56.0

$2.65 Rp 48.2K

-42.26%

Imported Beer (0.33 liter bottle)

$2.28 NIO 83.6

$4.38 Rp 79.6K

-47.95%

Milk (1 liter)

$1.22 NIO 44.66

$1.49 Rp 27.1K

-18.12%

White Bread (500g)

$2.40 NIO 87.8

$2.28 Rp 41.4K

5.26%

Rice (white) (1kg)

$1.80 NIO 65.8

$1.19 Rp 21.6K

51.26%

Eggs

$2.38 NIO 87.3

$2.04 Rp 37.0K

16.67%

Local Cheese (1kg)

$11.43 NIO 419

$17.70 Rp 321.7K

-35.42%

Chicken Fillets (1kg)

$6.35 NIO 233

$3.96 Rp 72.0K

60.35%

Beef Round Steak (1kg)

$7.68 NIO 281

$12.19 Rp 221.6K

-37.00%

Apples (1kg)

$3.95 NIO 145

$3.66 Rp 66.4K

7.92%

Banana (1kg)

$0.57 NIO 21.03

$1.52 Rp 27.6K

-62.50%

Oranges (1kg)

$1.84 NIO 67.3

$2.23 Rp 40.5K

-17.49%

Tomato (1kg)

$2.51 NIO 92.0

$1.97 Rp 35.9K

27.41%

Potato (1kg)

$3.91 NIO 143

$1.85 Rp 33.6K

111.35%

Onion (1kg)

$2.24 NIO 82.0

$2.42 Rp 44.1K

-7.44%

Lettuce (1 head)

$1.09 NIO 39.98

$0.99 Rp 18.0K

10.10%

Water (1.5 liter bottle)

$1.06 NIO 38.67

$0.51 Rp 9,332

107.84%

Cigarettes 20 Pack (Marlboro, Camel)

$2.80 NIO 103

$2.22 Rp 40.4K

26.13%

Wine (Bottle)

$14.85 NIO 544

$22.24 Rp 404.2K

-33.23%

Local Beer (0.5 liter bottle)

$1.46 NIO 53.5

$2.26 Rp 41.1K

-35.40%

Imported Beer (0.33 liter bottle)

$2.18 NIO 79.8

$2.97 Rp 54.0K

-26.60%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$1.60 NIO 58.7

$0.44 Rp 7,989

263.64%

Taxi (Normal Tariff) (1km)

$1.59 NIO 58.2

$0.43 Rp 7,817

269.77%

Taxi 1hour Waiting (Normal Tariff)

$6.85 NIO 251

$5.41 Rp 98.3K

26.62%

Gasoline (1 liter)

$1.38 NIO 50.5

$0.82 Rp 15.0K

68.29%

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

$22.7K NIO 832.1K

$23.8K Rp 433.3M

-4.70%

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

$26.4K NIO 966.7K

$31.7K Rp 577.0M

-16.87%

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

$154 NIO 5,654

$79.1 Rp 1.4M

95.24%

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

$19.83 NIO 726

$6.45 Rp 117.2K

207.44%

Internet (50+ Mbps, Unlimited Data)

$31.97 NIO 1,171

$18.58 Rp 337.7K

72.07%

Gym Membership (Monthly)

$49.48 Rp 899.4K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$9.06 NIO 332

$4.27 Rp 77.7K

112.18%

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

$240 NIO 8,800

$491 Rp 8.9M

-51.02%

International Primary School, 1 Child (Yearly)

$5,987 NIO 219.3K

$5,674 Rp 103.1M

5.51%

Jeans (Levis 501 Or Similar)

$59.7 NIO 2,184

$44.64 Rp 811.4K

33.62%

Summer Dress (H&M, Zara, etc)

$64.7 NIO 2,369

$34.95 Rp 635.3K

85.09%

Sport Shoes (Adidas, Nike)

$123 NIO 4,504

$79.9 Rp 1.5M

53.90%

Men's Leather Business Shoes

$147 NIO 5,379

$79.4 Rp 1.4M

84.92%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.92

13.78

-13.50%

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

Last update for Masaya: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Masaya

$260 31.6%

Ubud, Bali

$288 21.4% 11.1% $29

Monthly Utilities & Internet

Masaya

$206 25.1%

Ubud, Bali

$104 7.7% 49.5% $102

Clothing & Footwear

Masaya

$177 21.6%

Ubud, Bali

$108 8% 39.4% $70

Eating Out

Masaya

$152 18.5%

Ubud, Bali

$108 8% 29.1% $44

Sport & Entertainment

Masaya

$18 * 2.2%

Ubud, Bali

$58 4.3% 220% $40

Getting Around

Masaya

$9.5 * 1.2%

Ubud, Bali

$11 0.9% 19.7% $1.9

Accommodation & Living

Masaya

- * 0%

Ubud, Bali

$672 49.8%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $34 in Masaya versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $260 vs $288 – making Masaya the more affordable choice for daily food spending.

Good to know

🇳🇮 Masaya

🇮🇩 Ubud, Bali

🕒 Local time

15:36 3:36 PM

05:36 5:36 AM

14 h ahead of Masaya

🌤 Weather

👥 Population

178,835

74,800

💱 Currency

Nicaraguan Córdoba NIO C$

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NIO = 2.73 USD

100 NIO = 2.45 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NIO – Nicaraguan Córdoba Converter

🇺🇸 United States Dollar ($)

🇳🇮 Nicaraguan Córdoba (C$)

Nicaraguan Córdoba exchange rates as of October 28, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 40.77 NIO (100 NIO = 2.45 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to NIO in detail →

On the map

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Highest

Between locations

Masaya Ubud, Bali 17,650 km ≈ 23 h nonstop flight

From you

Masaya
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

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

Yes – Ubud, Bali is pricier by about 64%, and outside of rent the gap shows up most in leisure.

For a comfortable life, plan on about $1,234 per month in Masaya and $2,023 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 $34 in Masaya and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 11% more in Ubud, Bali, though the gap depends on what you buy.

A $1,000 monthly budget goes further in Masaya, where all-in costs run around $823, than in Ubud, Bali at $1,349. In Masaya 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 $823 in Masaya to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.