Last update: Oct 2026

Cost of Living Comparison Between Munich and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,681 in Munich, rent and utilities included – about $16,000 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Munich
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Munich Living Index
65

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

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Munich

🇩🇪 Germany

$2,681

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $2,681 per month in Munich vs $1,349 in Ubud, Bali, rent included.

Munich $2,681
Ubud, Bali $1,349

A couple spends around $4,080 per month in Munich vs $2,305 in Ubud, Bali, rent included.

Munich $4,080
Ubud, Bali $2,305

A family of three spends $5,480 per month in Munich vs $3,261 in Ubud, Bali, rent included.

Munich $5,480
Ubud, Bali $3,261

Munich costs about 99% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$18.66 €16.71

$3.32 Rp 60.2K

462.05%

Three-Course Dinner for Two, Mid-Range

$89.2 €79.9

$35.64 Rp 645.8K

150.28%

Fast Food Meal (McDonalds, etc)

$13.38 €11.99

$5.53 Rp 100.3K

141.95%

Cappuccino

$4.32 €3.87

$2.72 Rp 49.3K

58.82%

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

$3.86 €3.46

$1.70 Rp 30.8K

127.06%

Water (0.33 liter bottle)

$3.35 €3.00

$0.76 Rp 13.8K

340.79%

Local Beer (0.5 liter draught)

$5.22 €4.67

$2.65 Rp 48.1K

96.98%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$4.38 Rp 79.4K

31.05%

Milk (1 liter)

$1.28 €1.15

$1.49 Rp 27.0K

-14.09%

White Bread (500g)

$2.32 €2.08

$2.28 Rp 41.2K

1.75%

Rice (white) (1kg)

$2.69 €2.41

$1.19 Rp 21.6K

126.05%

Eggs

$4.57 €4.09

$2.04 Rp 36.9K

124.02%

Local Cheese (1kg)

$17.92 €16.05

$17.70 Rp 320.8K

1.24%

Chicken Fillets (1kg)

$13.29 €11.91

$3.96 Rp 71.8K

235.61%

Beef Round Steak (1kg)

$21.85 €19.57

$12.19 Rp 220.9K

79.25%

Apples (1kg)

$3.19 €2.85

$3.66 Rp 66.2K

-12.84%

Banana (1kg)

$2.01 €1.80

$1.52 Rp 27.5K

32.24%

Oranges (1kg)

$2.81 €2.52

$2.23 Rp 40.4K

26.01%

Tomato (1kg)

$4.53 €4.05

$1.97 Rp 35.7K

129.95%

Potato (1kg)

$1.85 €1.66

$1.85 Rp 33.5K

Onion (1kg)

$1.83 €1.64

$2.42 Rp 43.9K

-24.38%

Lettuce (1 head)

$1.50 €1.34

$0.99 Rp 17.9K

51.52%

Water (1.5 liter bottle)

$0.86 €0.77

$0.51 Rp 9,303

68.63%

Cigarettes 20 Pack (Marlboro, Camel)

$11.22 €10.05

$2.22 Rp 40.3K

405.41%

Wine (Bottle)

$6.67 €5.97

$22.24 Rp 403.0K

-70.01%

Local Beer (0.5 liter bottle)

$1.29 €1.16

$2.26 Rp 41.0K

-42.92%

Imported Beer (0.33 liter bottle)

$1.60 €1.44

$2.97 Rp 53.8K

-46.13%

One-way Ticket (Public Transport)

$4.74 €4.24

$0.25 Rp 4,548

1796.00%

Public Transport Monthly Pass (Regular Price)

$70.1 €62.7

$7.82 Rp 141.8K

795.91%

Taxi Start (Normal Tariff)

$6.76 €6.06

$0.44 Rp 7,964

1436.36%

Taxi (Normal Tariff) (1km)

$3.09 €2.77

$0.43 Rp 7,793

618.60%

Taxi 1hour Waiting (Normal Tariff)

$43.44 €38.90

$5.41 Rp 98.0K

702.96%

Gasoline (1 liter)

$2.31 €2.07

$0.82 Rp 14.9K

181.71%

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

$33.9K €30.3K

$23.8K Rp 432.0M

42.12%

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

$39.3K €35.2K

$31.7K Rp 575.3M

23.72%

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

$350 €313

$79.1 Rp 1.4M

342.16%

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

$18.57 €16.63

$6.45 Rp 116.8K

187.91%

Internet (50+ Mbps, Unlimited Data)

$39.33 €35.22

$18.58 Rp 336.7K

111.68%

Gym Membership (Monthly)

$51.8 €46.39

$49.48 Rp 896.7K

4.69%

Tennis Court (1 Hour on Weekend)

$33.64 €30.13

$17.65 Rp 319.8K

90.59%

Cinema Ticket

$15.92 €14.26

$4.27 Rp 77.4K

272.83%

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

$868 €778

$491 Rp 8.9M

76.97%

International Primary School, 1 Child (Yearly)

$16.5K €14.7K

$5,674 Rp 102.8M

189.99%

Jeans (Levis 501 Or Similar)

$87.7 €78.6

$44.64 Rp 808.9K

96.51%

Summer Dress (H&M, Zara, etc)

$42.09 €37.70

$34.95 Rp 633.4K

20.43%

Sport Shoes (Adidas, Nike)

$102 €91.2

$79.9 Rp 1.4M

27.46%

Men's Leather Business Shoes

$114 €102

$79.4 Rp 1.4M

43.75%

1-bedroom Apartment, City Center (Monthly)

$1,664 €1,490

$1,125 Rp 20.4M

47.93%

1-bedroom Apartment, Outside City Center (Monthly)

$1,254 €1,123

$671 Rp 12.2M

86.73%

3-bedroom Apartment, City Center (Monthly)

$3,113 €2,788

$3,565 Rp 64.6M

-12.68%

3-bedroom Apartment, Outside City Center (Monthly)

$2,352 €2,107

$1,723 Rp 31.2M

36.50%

Buy Apartment in City Center (m2)

$12.5K €11.2K

$2,732 Rp 49.5M

355.77%

Buy Apartment Outside City Center (m2)

$8,605 €7,707

$2,284 Rp 41.4M

276.75%

Average Monthly Net Salary (After Tax)

$4,072 €3,647

$164 Rp 3.0M

2385.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.82

13.78

-72.28%

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

Last update for Munich: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Munich

$1.3K 46.8%

Ubud, Bali

$672 49.8% 46.4% $582

Monthly Utilities & Internet

Munich

$407 15.2%

Ubud, Bali

$104 7.7% 74.5% $303

Groceries & Markets

Munich

$361 13.5%

Ubud, Bali

$288 21.4% 20.2% $73

Eating Out

Munich

$308 11.5%

Ubud, Bali

$108 8% 65% $200

Clothing & Footwear

Munich

$156 5.8%

Ubud, Bali

$108 8% 30.9% $48

Getting Around

Munich

$111 4.2%

Ubud, Bali

$11 0.9% 89.7% $100

Sport & Entertainment

Munich

$84 3.1%

Ubud, Bali

$58 4.3% 30.6% $26

Cost Breakdown

A central one-bedroom costs $1,664 in Munich versus $1,125 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 in Munich are about 25 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $89 in Munich versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $361 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇩🇪 Munich

🇮🇩 Ubud, Bali

🕒 Local time

20:18 8:18 PM

03:18 3:18 AM

7 h ahead of Munich

🌤 Weather

👥 Population

1,484,226

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Munich Ubud, Bali 11,730 km ≈ 15 h nonstop flight

From you

Munich
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

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

Monthly costs with rent: $2,681 in Munich, $1,349 in Ubud, Bali – Ubud, Bali comes out roughly 50% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,021 per month in Munich and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,125 there versus $1,664 in Munich.

Public transport costs about 89% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $868 per month in Munich and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $2,681 in Munich and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Ubud, Bali costs $1,349 versus $2,681 in Munich. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Munich makes more sense. Both are solid long-term options with distinct trade-offs.