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

Monthly Cost of Living

A single person spends $808 per month in Matagalpa vs $1,378 in Ubud, Bali, rent included.

A couple spends around $1,238 per month in Matagalpa vs $2,327 in Ubud, Bali, rent included.

A family of three spends $1,667 per month in Matagalpa vs $3,275 in Ubud, Bali, rent included.

Matagalpa is about 41% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Matagalpa sits 41% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$6.81 NIO 249

$3.33 Rp 58.7K

104.50%

Three-Course Dinner for Two, Mid-Range

$25.20 NIO 923

$35.82 Rp 630.7K

-29.65%

Fast Food Meal (McDonalds, etc)

$7.44 NIO 272

$5.63 Rp 99.1K

32.15%

Cappuccino

$2.57 NIO 94.1

$2.82 Rp 49.7K

-8.87%

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

$0.86 NIO 31.49

$1.75 Rp 30.8K

-50.86%

Water (0.33 liter bottle)

$0.44 NIO 16.06

$0.80 Rp 14.0K

-45.00%

Local Beer (0.5 liter draught)

$1.17 NIO 42.73

$3.04 Rp 53.6K

-61.51%

Imported Beer (0.33 liter bottle)

$1.94 NIO 71.1

$4.30 Rp 75.7K

-54.88%

Milk (1 liter)

$1.22 NIO 44.61

$1.61 Rp 28.3K

-24.22%

White Bread (500g)

$1.28 NIO 46.90

$2.27 Rp 39.9K

-43.61%

Rice (white) (1kg)

$1.71 NIO 62.6

$1.17 Rp 20.6K

46.15%

Eggs

$2.34 NIO 85.6

$2.17 Rp 38.2K

7.83%

Local Cheese (1kg)

$2.69 NIO 98.4

$17.63 Rp 310.5K

-84.74%

Chicken Fillets (1kg)

$4.28 NIO 157

$4.05 Rp 71.4K

5.68%

Beef Round Steak (1kg)

$6.77 NIO 248

$12.18 Rp 214.5K

-44.42%

Apples (1kg)

$3.69 NIO 135

$3.62 Rp 63.7K

1.93%

Banana (1kg)

$0.62 NIO 22.75

$1.64 Rp 28.8K

-62.20%

Oranges (1kg)

$1.76 NIO 64.6

$2.31 Rp 40.6K

-23.81%

Tomato (1kg)

$2.18 NIO 80.0

$1.96 Rp 34.5K

11.22%

Potato (1kg)

$3.90 NIO 143

$1.84 Rp 32.5K

111.96%

Onion (1kg)

$2.16 NIO 79.0

$2.37 Rp 41.7K

-8.86%

Lettuce (1 head)

$1.00 NIO 36.51

$1.05 Rp 18.5K

-4.76%

Water (1.5 liter bottle)

$1.06 NIO 38.84

$0.54 Rp 9,560

96.30%

Cigarettes 20 Pack (Marlboro, Camel)

$2.68 NIO 98.2

$2.30 Rp 40.6K

16.52%

Wine (Bottle)

$9.91 NIO 363

$23.08 Rp 406.4K

-57.06%

Local Beer (0.5 liter bottle)

$1.24 NIO 45.54

$2.34 Rp 41.2K

-47.01%

Imported Beer (0.33 liter bottle)

$2.32 NIO 84.9

$3.07 Rp 54.0K

-24.43%

One-way Ticket (Public Transport)

$0.20 NIO 7.42

$0.25 Rp 4,365

-20.00%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

Taxi Start (Normal Tariff)

$1.09 NIO 39.91

$0.49 Rp 8,631

122.45%

Taxi (Normal Tariff) (1km)

$1.24 NIO 45.39

$0.47 Rp 8,349

163.83%

Taxi 1hour Waiting (Normal Tariff)

$6.79 NIO 249

$5.60 Rp 98.6K

21.25%

Gasoline (1 liter)

$1.37 NIO 50.2

$0.81 Rp 14.2K

69.14%

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

$23.4K NIO 857.8K

$25.0K Rp 440.3M

-6.36%

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

$26.7K NIO 977.0K

$31.1K Rp 547.0M

-14.13%

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

$59.4 NIO 2,175

$82.7 Rp 1.5M

-28.23%

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

$16.80 NIO 615

$6.49 Rp 114.2K

158.86%

Internet (50+ Mbps, Unlimited Data)

$36.42 NIO 1,334

$18.79 Rp 330.8K

93.83%

Gym Membership (Monthly)

$55.2 Rp 972.6K

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$8.58 NIO 314

$4.30 Rp 75.7K

99.53%

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

$238 NIO 8,730

$494 Rp 8.7M

-51.76%

International Primary School, 1 Child (Yearly)

$6,017 NIO 220.4K

$5,917 Rp 104.2M

1.68%

Jeans (Levis 501 Or Similar)

$72.1 NIO 2,640

$46.28 Rp 814.8K

55.73%

Summer Dress (H&M, Zara, etc)

$74.5 NIO 2,728

$36.44 Rp 641.6K

104.39%

Sport Shoes (Adidas, Nike)

$130 NIO 4,762

$80.7 Rp 1.4M

61.12%

Men's Leather Business Shoes

$108 NIO 3,970

$78.8 Rp 1.4M

37.58%

1-bedroom Apartment, City Center (Monthly)

$202 NIO 7,386

$1,114 Rp 19.6M

-81.90%

1-bedroom Apartment, Outside City Center (Monthly)

$175 NIO 6,396

$693 Rp 12.2M

-74.81%

3-bedroom Apartment, City Center (Monthly)

$298 NIO 10.9K

$3,639 Rp 64.1M

-91.82%

3-bedroom Apartment, Outside City Center (Monthly)

$246 NIO 9,022

$1,712 Rp 30.1M

-85.61%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

Average Monthly Net Salary (After Tax)

$198 NIO 7,242

$167 Rp 2.9M

18.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

10.25

13.78

-25.62%

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

Last update for Matagalpa: September 6, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A central one-bedroom costs $202 in Matagalpa versus $1,114 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 18% 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 $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $195 vs $294 – making Matagalpa the more affordable choice for daily food spending.

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: $808 in Matagalpa, $1,378 in Ubud, Bali – roughly 71% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,212 per month in Matagalpa and $2,067 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 $36.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 51% 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 $808, than in Ubud, Bali at $1,378. 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 $808 in Matagalpa to $1,378 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.