Last update: Oct 2026

Cost of Living Comparison Between Matagalpa and Ubud, Bali

For one person, living is cheaper in Matagalpa: $810 a month against $1,368 in Ubud, Bali, rent and utilities included – about $6,700 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in Matagalpa
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Matagalpa Living Index
67

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

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Matagalpa

🇳🇮 Nicaragua

$810

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $810 per month in Matagalpa vs $1,368 in Ubud, Bali, rent included.

Matagalpa $810
Ubud, Bali $1,368

A couple spends around $1,231 per month in Matagalpa vs $2,314 in Ubud, Bali, rent included.

Matagalpa $1,231
Ubud, Bali $2,314

A family of three spends $1,652 per month in Matagalpa vs $3,260 in Ubud, Bali, rent included.

Matagalpa $1,652
Ubud, Bali $3,260

Matagalpa is about 41% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Matagalpa sits 40% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.09 NIO 260

$3.33 Rp 59.9K

112.91%

Three-Course Dinner for Two, Mid-Range

$25.36 NIO 929

$35.18 Rp 633.2K

-27.91%

Fast Food Meal (McDonalds, etc)

$7.83 NIO 287

$5.80 Rp 104.5K

35.00%

Cappuccino

$2.63 NIO 96.2

$2.73 Rp 49.1K

-3.66%

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

$0.85 NIO 31.19

$1.64 Rp 29.5K

-48.17%

Water (0.33 liter bottle)

$0.43 NIO 15.71

$0.83 Rp 15.0K

-48.19%

Local Beer (0.5 liter draught)

$1.22 NIO 44.61

$2.70 Rp 48.6K

-54.81%

Imported Beer (0.33 liter bottle)

$2.22 NIO 81.3

$4.30 Rp 77.4K

-48.37%

Milk (1 liter)

$1.26 NIO 46.23

$1.50 Rp 27.1K

-16.00%

White Bread (500g)

$1.27 NIO 46.35

$2.30 Rp 41.4K

-44.78%

Rice (white) (1kg)

$1.81 NIO 66.3

$1.18 Rp 21.2K

53.39%

Eggs

$2.24 NIO 82.0

$2.14 Rp 38.6K

4.67%

Local Cheese (1kg)

$2.68 NIO 98.1

$17.48 Rp 314.6K

-84.67%

Chicken Fillets (1kg)

$4.30 NIO 157

$4.03 Rp 72.5K

6.70%

Beef Round Steak (1kg)

$6.69 NIO 245

$12.23 Rp 220.1K

-45.30%

Apples (1kg)

$3.97 NIO 145

$3.55 Rp 63.9K

11.83%

Banana (1kg)

$0.58 NIO 21.15

$1.57 Rp 28.3K

-63.06%

Oranges (1kg)

$1.76 NIO 64.5

$2.24 Rp 40.2K

-21.43%

Tomato (1kg)

$2.43 NIO 88.9

$1.93 Rp 34.7K

25.91%

Potato (1kg)

$3.91 NIO 143

$1.88 Rp 33.9K

107.98%

Onion (1kg)

$2.26 NIO 82.7

$2.29 Rp 41.3K

-1.31%

Lettuce (1 head)

$1.09 NIO 40.00

$0.99 Rp 17.9K

10.10%

Water (1.5 liter bottle)

$1.01 NIO 36.99

$0.53 Rp 9,475

90.57%

Cigarettes 20 Pack (Marlboro, Camel)

$2.65 NIO 97.1

$2.28 Rp 41.1K

16.23%

Wine (Bottle)

$10.13 NIO 371

$23.01 Rp 414.2K

-55.98%

Local Beer (0.5 liter bottle)

$1.21 NIO 44.26

$2.34 Rp 42.2K

-48.29%

Imported Beer (0.33 liter bottle)

$2.18 NIO 79.7

$2.91 Rp 52.4K

-25.09%

One-way Ticket (Public Transport)

$0.20 NIO 7.16

$0.24 Rp 4,315

-16.67%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$1.12 NIO 40.88

$0.48 Rp 8,684

133.33%

Taxi (Normal Tariff) (1km)

$1.28 NIO 46.87

$0.46 Rp 8,233

178.26%

Taxi 1hour Waiting (Normal Tariff)

$6.74 NIO 247

$5.45 Rp 98.2K

23.67%

Gasoline (1 liter)

$1.37 NIO 50.1

$0.88 Rp 15.9K

55.68%

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

$23.1K NIO 846.8K

$24.6K Rp 442.2M

-5.88%

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

$26.4K NIO 966.5K

$31.2K Rp 561.4M

-15.39%

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

$60.5 NIO 2,216

$83.0 Rp 1.5M

-27.13%

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

$16.76 NIO 614

$6.45 Rp 116.0K

159.84%

Internet (50+ Mbps, Unlimited Data)

$32.63 NIO 1,195

$18.57 Rp 334.2K

75.71%

Gym Membership (Monthly)

$55.8 Rp 1.0M

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$9.16 NIO 335

$4.38 Rp 78.9K

109.13%

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

$233 NIO 8,517

$493 Rp 8.9M

-52.83%

International Primary School, 1 Child (Yearly)

$6,180 NIO 226.3K

$5,754 Rp 103.6M

7.41%

Jeans (Levis 501 Or Similar)

$59.1 NIO 2,163

$46.19 Rp 831.4K

27.84%

Summer Dress (H&M, Zara, etc)

$64.8 NIO 2,374

$35.33 Rp 636.0K

83.50%

Sport Shoes (Adidas, Nike)

$122 NIO 4,466

$79.1 Rp 1.4M

54.18%

Men's Leather Business Shoes

$145 NIO 5,308

$78.4 Rp 1.4M

84.87%

1-bedroom Apartment, City Center (Monthly)

$201 NIO 7,358

$1,142 Rp 20.6M

-82.41%

1-bedroom Apartment, Outside City Center (Monthly)

$173 NIO 6,345

$676 Rp 12.2M

-74.36%

3-bedroom Apartment, City Center (Monthly)

$305 NIO 11.2K

$3,503 Rp 63.1M

-91.29%

3-bedroom Apartment, Outside City Center (Monthly)

$248 NIO 9,083

$1,700 Rp 30.6M

-85.41%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$203 NIO 7,432

$165 Rp 3.0M

23.32%

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 Matagalpa: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Matagalpa

$197 24.3%

Ubud, Bali

$290 21.2% 47.5% $93

Clothing & Footwear

Matagalpa

$176 21.7%

Ubud, Bali

$108 7.9% 38.8% $68

Accommodation & Living

Matagalpa

$173 21.4%

Ubud, Bali

$676 49.4% 290% $502

Eating Out

Matagalpa

$127 15.7%

Ubud, Bali

$109 8% 14.6% $19

Monthly Utilities & Internet

Matagalpa

$110 13.6%

Ubud, Bali

$108 7.9% 1.7% $1.8

Sport & Entertainment

Matagalpa

$18 * 2.3%

Ubud, Bali

$65 4.7% 253% $46

Getting Around

Matagalpa

$8.3 * 1%

Ubud, Bali

$13 0.9% 51.2% $4.3

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

Cost Breakdown

A central one-bedroom costs $201 in Matagalpa 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 23% higher in Matagalpa, 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 $25.00 in Matagalpa versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $197 vs $290 – making Matagalpa the more affordable choice for daily food spending.

Good to know

🇳🇮 Matagalpa

🇮🇩 Ubud, Bali

🕒 Local time

22:27 10:27 PM

12:27 12:27 PM

14 h ahead of Matagalpa

🌤 Weather

👥 Population

159,982

74,800

💱 Currency

Nicaraguan Córdoba NIO C$

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NIO = 2.73 USD

100 NIO = 2.43 EUR

100,000 IDR = 5.56 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 20, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 41.17 NIO (100 NIO = 2.43 EUR).

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

USD to NIO in detail →

On the map

Lowest

Highest

Between locations

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

From you

Matagalpa
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

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

Monthly costs with rent: $810 in Matagalpa, $1,368 in Ubud, Bali – roughly 69% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,215 per month in Matagalpa 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 Matagalpa, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $25.00 in Matagalpa and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 47% 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 $2,000 monthly budget goes further in Matagalpa, where all-in costs run around $810, than in Ubud, Bali at $1,368. In Matagalpa 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 $810 in Matagalpa 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 Matagalpa. 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.