Last update: Oct 2026

Cost of Living Comparison Between McKinney, TX and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,789 in McKinney, TX, rent and utilities included – about $17,100 less a year. Rent and utilities account for most of the difference.

135

Cost of Living Index in McKinney, TX
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McKinney, TX Living Index
67

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

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McKinney, TX

🇺🇸 United States

$2,789

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,789 in McKinney, TX versus $1,368 in Ubud, Bali.

McKinney, TX $2,789
Ubud, Bali $1,368

Estimated couple costs with rent: $3,710 in McKinney, TX versus $2,314 in Ubud, Bali.

McKinney, TX $3,710
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,630 in McKinney, TX versus $3,260 in Ubud, Bali.

McKinney, TX $4,630
Ubud, Bali $3,260

Living in McKinney, TX is roughly 104% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: McKinney, TX 107% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$18.90 $18.90

$3.33 Rp 59.9K

467.57%

Three-Course Dinner for Two, Mid-Range

$59.1 $59.1

$35.18 Rp 633.2K

67.96%

Fast Food Meal (McDonalds, etc)

$10.81 $10.81

$5.80 Rp 104.5K

86.38%

Cappuccino

$5.05 $5.05

$2.73 Rp 49.1K

84.98%

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

$2.56 $2.56

$1.64 Rp 29.5K

56.10%

Water (0.33 liter bottle)

$1.79 $1.79

$0.83 Rp 15.0K

115.66%

Local Beer (0.5 liter draught)

$5.86 $5.86

$2.70 Rp 48.6K

117.04%

Imported Beer (0.33 liter bottle)

$7.59 $7.59

$4.30 Rp 77.4K

76.51%

Milk (1 liter)

$0.95 $0.95

$1.50 Rp 27.1K

-36.67%

White Bread (500g)

$2.79 $2.79

$2.30 Rp 41.4K

21.30%

Rice (white) (1kg)

$2.32 $2.32

$1.18 Rp 21.2K

96.61%

Eggs

$4.09 $4.09

$2.14 Rp 38.6K

91.12%

Local Cheese (1kg)

$10.16 $10.16

$17.48 Rp 314.6K

-41.88%

Chicken Fillets (1kg)

$15.51 $15.51

$4.03 Rp 72.5K

284.86%

Beef Round Steak (1kg)

$16.84 $16.84

$12.23 Rp 220.1K

37.69%

Apples (1kg)

$3.06 $3.06

$3.55 Rp 63.9K

-13.80%

Banana (1kg)

$2.85 $2.85

$1.57 Rp 28.3K

81.53%

Oranges (1kg)

$2.97 $2.97

$2.24 Rp 40.2K

32.59%

Tomato (1kg)

$2.63 $2.63

$1.93 Rp 34.7K

36.27%

Potato (1kg)

$2.18 $2.18

$1.88 Rp 33.9K

15.96%

Onion (1kg)

$2.10 $2.10

$2.29 Rp 41.3K

-8.30%

Lettuce (1 head)

$1.72 $1.72

$0.99 Rp 17.9K

73.74%

Water (1.5 liter bottle)

$2.98 $2.98

$0.53 Rp 9,475

462.26%

Cigarettes 20 Pack (Marlboro, Camel)

$11.05 $11.05

$2.28 Rp 41.1K

384.65%

Wine (Bottle)

$11.47 $11.47

$23.01 Rp 414.2K

-50.15%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.34 Rp 42.2K

-25.21%

Imported Beer (0.33 liter bottle)

$3.59 $3.59

$2.91 Rp 52.4K

23.37%

One-way Ticket (Public Transport)

$3.08 $3.08

$0.24 Rp 4,315

1183.33%

Public Transport Monthly Pass (Regular Price)

$189 $189

$8.82 Rp 158.7K

2040.93%

Taxi Start (Normal Tariff)

$2.93 $2.93

$0.48 Rp 8,684

510.42%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

Taxi 1hour Waiting (Normal Tariff)

$14.74 $14.74

$5.45 Rp 98.2K

170.46%

Gasoline (1 liter)

$0.93 $0.93

$0.88 Rp 15.9K

5.68%

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

$36.1K $36.1K

$24.6K Rp 442.2M

46.75%

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

$24.7K $24.7K

$31.2K Rp 561.4M

-20.65%

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

$200 $200

$83.0 Rp 1.5M

141.48%

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

$59.4 $59.4

$6.45 Rp 116.0K

821.40%

Internet (50+ Mbps, Unlimited Data)

$69.3 $69.3

$18.57 Rp 334.2K

273.18%

Gym Membership (Monthly)

$30.36 $30.36

$55.8 Rp 1.0M

-45.61%

Tennis Court (1 Hour on Weekend)

$12.81 $12.81

$18.11 Rp 326.0K

-29.27%

Cinema Ticket

$11.85 $11.85

$4.38 Rp 78.9K

170.55%

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

$1,345 $1,345

$493 Rp 8.9M

172.81%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

Jeans (Levis 501 Or Similar)

$56.5 $56.5

$46.19 Rp 831.4K

22.36%

Summer Dress (H&M, Zara, etc)

$28.95 $28.95

$35.33 Rp 636.0K

-18.06%

Sport Shoes (Adidas, Nike)

$87.8 $87.8

$79.1 Rp 1.4M

10.97%

Men's Leather Business Shoes

$59.8 $59.8

$78.4 Rp 1.4M

-23.75%

1-bedroom Apartment, City Center (Monthly)

$1,673 $1,673

$1,142 Rp 20.6M

46.46%

1-bedroom Apartment, Outside City Center (Monthly)

$1,420 $1,420

$676 Rp 12.2M

110.09%

3-bedroom Apartment, City Center (Monthly)

$2,639 $2,639

$3,503 Rp 63.1M

-24.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,704 $1,704

$1,700 Rp 30.6M

0.22%

Buy Apartment in City Center (m2)

$2,323 $2,323

$2,784 Rp 50.1M

-16.54%

Buy Apartment Outside City Center (m2)

$2,294 $2,294

$2,241 Rp 40.3M

2.39%

Average Monthly Net Salary (After Tax)

$5,805 $5,805

$165 Rp 3.0M

3427.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

13.78

-52.76%

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

Last update for McKinney, TX: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

McKinney, TX

$1.4K 50.9%

Ubud, Bali

$676 49.4% 52.4% $744

Groceries & Markets

McKinney, TX

$371 13.3%

Ubud, Bali

$290 21.2% 21.7% $81

Monthly Utilities & Internet

McKinney, TX

$329 11.8%

Ubud, Bali

$108 7.9% 67.2% $221

Eating Out

McKinney, TX

$306 11%

Ubud, Bali

$109 8% 64.5% $197

Getting Around

McKinney, TX

$204 * 7.3%

Ubud, Bali

$13 0.9% 93.9% $192

Clothing & Footwear

McKinney, TX

$105 3.8%

Ubud, Bali

$108 7.9% 2.6% $2.7

Sport & Entertainment

McKinney, TX

$54 1.9%

Ubud, Bali

$65 4.7% 19.4% $11

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,673 in McKinney, TX and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 3428% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $59.0 in McKinney, TX vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $371 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 McKinney, TX

🇮🇩 Ubud, Bali

🕒 Local time

18:25 6:25 PM

07:25 7:25 AM

13 h ahead of McKinney, TX

🌤 Weather

👥 Population

202,690

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

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

IDR to USD in detail →

On the map

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Highest

Between locations

McKinney, TX Ubud, Bali 15,750 km ≈ 20 h nonstop flight

From you

McKinney, TX
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

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

McKinney, TX and Ubud, Bali differ by about 104% in total monthly costs ($2,789 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 3428% higher in McKinney, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,673 in McKinney, TX versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,789 per month in McKinney, TX versus $1,368 in Ubud, Bali – a 104% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 2041% less than in McKinney, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,368 in Ubud, Bali versus $2,789 in McKinney, TX, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in McKinney, TX. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, McKinney, TX and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 104% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.