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 $864 per month in Matagalpa vs $1,408 in Ubud, Bali, rent included.

A couple spends around $1,292 per month in Matagalpa vs $2,585 in Ubud, Bali, rent included.

A family of three spends $1,720 per month in Matagalpa vs $3,763 in Ubud, Bali, rent included.

Matagalpa is about 39% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Matagalpa sits 35% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.92 NIO 180

$3.45 Rp 62.0K

42.61%

Three-Course Dinner for Two, Mid-Range

$25.19 NIO 923

$32.34 Rp 580.1K

-22.11%

Fast Food Meal (McDonalds, etc)

$7.15 NIO 262

$4.84 Rp 86.9K

47.73%

Cappuccino

$2.34 NIO 85.8

$2.75 Rp 49.3K

-14.91%

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

$0.78 NIO 28.54

$1.38 Rp 24.8K

-43.48%

Water (0.33 liter bottle)

$0.43 NIO 15.82

$0.75 Rp 13.5K

-42.67%

Local Beer (0.5 liter draught)

$1.18 NIO 43.27

$2.99 Rp 53.7K

-60.54%

Imported Beer (0.33 liter bottle)

$1.98 NIO 72.4

$3.85 Rp 69.1K

-48.57%

Milk (1 liter)

$1.16 NIO 42.35

$1.74 Rp 31.1K

-33.33%

White Bread (500g)

$1.54 NIO 56.3

$2.46 Rp 44.1K

-37.40%

Rice (white) (1kg)

$1.56 NIO 57.2

$1.17 Rp 21.0K

33.33%

Eggs

$2.23 NIO 81.8

$2.43 Rp 43.6K

-8.23%

Local Cheese (1kg)

$1.96 NIO 71.8

$14.50 Rp 260.2K

-86.48%

Chicken Fillets (1kg)

$4.30 NIO 157

$4.35 Rp 78.0K

-1.15%

Beef Round Steak (1kg)

$6.68 NIO 245

$11.98 Rp 214.9K

-44.24%

Apples (1kg)

$3.83 NIO 140

$3.72 Rp 66.7K

2.96%

Banana (1kg)

$0.89 NIO 32.59

$1.63 Rp 29.2K

-45.40%

Oranges (1kg)

$1.76 NIO 64.3

$2.74 Rp 49.2K

-35.77%

Tomato (1kg)

$2.28 NIO 83.5

$2.24 Rp 40.2K

1.79%

Potato (1kg)

$1.12 NIO 41.15

$1.92 Rp 34.4K

-41.67%

Onion (1kg)

$2.24 NIO 82.1

$2.28 Rp 40.8K

-1.75%

Lettuce (1 head)

$0.73 NIO 26.79

$1.06 Rp 19.1K

-31.13%

Water (1.5 liter bottle)

$1.02 NIO 37.38

$0.72 Rp 12.9K

41.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.73 NIO 100.0

$3.29 Rp 58.9K

-17.02%

Wine (Bottle)

$10.06 NIO 369

$23.19 Rp 416.1K

-56.62%

Local Beer (0.5 liter bottle)

$1.21 NIO 44.37

$2.78 Rp 49.8K

-56.47%

Imported Beer (0.33 liter bottle)

$2.28 NIO 83.4

$2.73 Rp 49.0K

-16.48%

One-way Ticket (Public Transport)

$0.45 NIO 16.63

$0.27 Rp 4,778

66.67%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

Taxi Start (Normal Tariff)

$0.86 NIO 31.55

$0.48 Rp 8,659

79.17%

Taxi (Normal Tariff) (1km)

$0.93 NIO 34.01

$0.42 Rp 7,532

121.43%

Taxi 1hour Waiting (Normal Tariff)

$6.67 NIO 244

$6.22 Rp 111.6K

7.23%

Gasoline (1 liter)

$1.35 NIO 49.60

$0.81 Rp 14.6K

66.67%

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

$23.2K NIO 851.5K

$26.6K Rp 477.4M

-12.64%

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

$26.6K NIO 975.3K

$32.2K Rp 577.4M

-17.27%

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

$53.4 NIO 1,956

$78.4 Rp 1.4M

-31.84%

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

$16.87 NIO 618

$4.07 Rp 73.0K

314.50%

Internet (50+ Mbps, Unlimited Data)

$36.28 NIO 1,329

$24.33 Rp 436.4K

49.12%

Gym Membership (Monthly)

$98.6 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

Cinema Ticket

$8.08 NIO 296

$3.99 Rp 71.5K

102.51%

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

$101 NIO 3,697

$305 Rp 5.5M

-66.91%

International Primary School, 1 Child (Yearly)

$6,054 NIO 221.7K

$6,642 Rp 119.2M

-8.85%

Jeans (Levis 501 Or Similar)

$77.5 NIO 2,838

$54.1 Rp 971.2K

43.11%

Summer Dress (H&M, Zara, etc)

$73.4 NIO 2,688

$37.81 Rp 678.2K

94.10%

Sport Shoes (Adidas, Nike)

$133 NIO 4,867

$86.8 Rp 1.6M

53.04%

Men's Leather Business Shoes

$107 NIO 3,910

$76.4 Rp 1.4M

39.82%

1-bedroom Apartment, City Center (Monthly)

$155 NIO 5,675

$992 Rp 17.8M

-84.38%

1-bedroom Apartment, Outside City Center (Monthly)

$264 NIO 9,669

$673 Rp 12.1M

-60.75%

3-bedroom Apartment, City Center (Monthly)

$556 NIO 20.4K

$3,375 Rp 60.5M

-83.52%

3-bedroom Apartment, Outside City Center (Monthly)

$381 NIO 14.0K

$2,050 Rp 36.8M

-81.40%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

Average Monthly Net Salary (After Tax)

$99.0 NIO 3,626

$167 Rp 3.0M

-40.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

10.25

13.28

-22.82%

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

Last update for Matagalpa: July 12, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A central one-bedroom costs $155 in Matagalpa versus $992 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 69% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $25.00 in Matagalpa versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $186 vs $297 – 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: $864 in Matagalpa, $1,408 in Ubud, Bali – roughly 63% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,295 per month in Matagalpa and $2,112 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 $32.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 60% 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 $864, than in Ubud, Bali at $1,408. 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 $864 in Matagalpa to $1,408 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.