Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,737 in Nacogdoches, TX, rent and utilities included – about $4,700 less a year. Other living expenses account for most of the difference.

82

Cost of Living Index in Nacogdoches, TX
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Nacogdoches, TX Living Index
65

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

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Nacogdoches, TX

🇺🇸 United States

$1,737

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,737 in Nacogdoches, TX versus $1,349 in Ubud, Bali.

Nacogdoches, TX $1,737
Ubud, Bali $1,349

Estimated couple costs with rent: $2,506 in Nacogdoches, TX versus $2,305 in Ubud, Bali.

Nacogdoches, TX $2,506
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,274 in Nacogdoches, TX versus $3,261 in Ubud, Bali.

Nacogdoches, TX $3,274
Ubud, Bali $3,261

Living in Nacogdoches, TX is roughly 29% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.66 $13.66

$3.32 Rp 60.3K

311.45%

Three-Course Dinner for Two, Mid-Range

$36.85 $36.85

$35.64 Rp 647.3K

3.40%

Fast Food Meal (McDonalds, etc)

$9.26 $9.26

$5.53 Rp 100.5K

67.45%

Cappuccino

$4.13 $4.13

$2.72 Rp 49.4K

51.84%

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

$1.66 $1.66

$1.70 Rp 30.9K

-2.35%

Water (0.33 liter bottle)

$1.22 $1.22

$0.76 Rp 13.8K

60.53%

Local Beer (0.5 liter draught)

$5.14 $5.14

$2.65 Rp 48.2K

93.96%

Imported Beer (0.33 liter bottle)

$6.06 $6.06

$4.38 Rp 79.6K

38.36%

Milk (1 liter)

$0.83 $0.83

$1.49 Rp 27.1K

-44.30%

White Bread (500g)

$2.76 $2.76

$2.28 Rp 41.3K

21.05%

Rice (white) (1kg)

$3.88 $3.88

$1.19 Rp 21.6K

226.05%

Eggs

$3.01 $3.01

$2.04 Rp 37.0K

47.55%

Local Cheese (1kg)

$11.20 $11.20

$17.70 Rp 321.5K

-36.72%

Chicken Fillets (1kg)

$6.79 $6.79

$3.96 Rp 72.0K

71.46%

Beef Round Steak (1kg)

$13.03 $13.03

$12.19 Rp 221.4K

6.89%

Apples (1kg)

$4.54 $4.54

$3.66 Rp 66.4K

24.04%

Banana (1kg)

$1.29 $1.29

$1.52 Rp 27.6K

-15.13%

Oranges (1kg)

$4.53 $4.53

$2.23 Rp 40.5K

103.14%

Tomato (1kg)

$2.77 $2.77

$1.97 Rp 35.8K

40.61%

Potato (1kg)

$2.16 $2.16

$1.85 Rp 33.6K

16.76%

Onion (1kg)

$1.70 $1.70

$2.42 Rp 44.0K

-29.75%

Lettuce (1 head)

$1.99 $1.99

$0.99 Rp 18.0K

101.01%

Water (1.5 liter bottle)

$2.51 $2.51

$0.51 Rp 9,324

392.16%

Cigarettes 20 Pack (Marlboro, Camel)

$8.53 $8.53

$2.22 Rp 40.4K

284.23%

Wine (Bottle)

$10.30 $10.30

$22.24 Rp 403.9K

-53.69%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.26 Rp 41.0K

-24.78%

Imported Beer (0.33 liter bottle)

$4.39 $4.39

$2.97 Rp 53.9K

47.81%

One-way Ticket (Public Transport)

$2.04 $2.04

$0.25 Rp 4,559

716.00%

Public Transport Monthly Pass (Regular Price)

$66.6 $66.6

$7.82 Rp 142.1K

752.05%

Taxi Start (Normal Tariff)

$3.14 $3.14

$0.44 Rp 7,982

613.64%

Taxi (Normal Tariff) (1km)

$1.71 $1.71

$0.43 Rp 7,811

297.67%

Taxi 1hour Waiting (Normal Tariff)

$29.97 $29.97

$5.41 Rp 98.2K

453.97%

Gasoline (1 liter)

$0.86 $0.86

$0.82 Rp 15.0K

4.88%

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

$28.1K $28.1K

$23.8K Rp 433.0M

17.86%

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

$24.4K $24.4K

$31.7K Rp 576.6M

-23.28%

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

$164 $164

$79.1 Rp 1.4M

107.65%

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

$24.88 $24.88

$6.45 Rp 117.1K

285.74%

Internet (50+ Mbps, Unlimited Data)

$67.9 $67.9

$18.58 Rp 337.4K

265.39%

Gym Membership (Monthly)

$41.64 $41.64

$49.48 Rp 898.7K

-15.84%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.5K

Cinema Ticket

$15.05 $15.05

$4.27 Rp 77.6K

252.46%

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

$1,420 $1,420

$491 Rp 8.9M

189.37%

International Primary School, 1 Child (Yearly)

$23.0K $23.0K

$5,674 Rp 103.0M

304.85%

Jeans (Levis 501 Or Similar)

$22.22 $22.22

$44.64 Rp 810.7K

-50.22%

Summer Dress (H&M, Zara, etc)

$25.39 $25.39

$34.95 Rp 634.8K

-27.35%

Sport Shoes (Adidas, Nike)

$65.9 $65.9

$79.9 Rp 1.5M

-17.58%

Men's Leather Business Shoes

$96.4 $96.4

$79.4 Rp 1.4M

21.32%

1-bedroom Apartment, City Center (Monthly)

$887 $887

$1,125 Rp 20.4M

-21.13%

1-bedroom Apartment, Outside City Center (Monthly)

$673 $673

$671 Rp 12.2M

0.28%

3-bedroom Apartment, City Center (Monthly)

$1,259 $1,259

$3,565 Rp 64.7M

-64.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,081 $1,081

$1,723 Rp 31.3M

-37.24%

Buy Apartment in City Center (m2)

$2,718 $2,718

$2,732 Rp 49.6M

-0.49%

Buy Apartment Outside City Center (m2)

$2,423 $2,423

$2,284 Rp 41.5M

6.09%

Average Monthly Net Salary (After Tax)

$6,934 $6,934

$164 Rp 3.0M

4132.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

13.78

-51.96%

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

Last update for Nacogdoches, TX: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Nacogdoches, TX

$673 38.8%

Ubud, Bali

$672 49.8% 0.3% $1.9

Groceries & Markets

Nacogdoches, TX

$318 18.3%

Ubud, Bali

$288 21.4% 9.4% $30

Monthly Utilities & Internet

Nacogdoches, TX

$257 14.8%

Ubud, Bali

$104 7.7% 59.5% $153

Eating Out

Nacogdoches, TX

$236 13.6%

Ubud, Bali

$108 8% 54.4% $128

Clothing & Footwear

Nacogdoches, TX

$94 5.4%

Ubud, Bali

$108 8% 13.9% $13

Getting Around

Nacogdoches, TX

$86 5%

Ubud, Bali

$11 0.9% 86.8% $75

Sport & Entertainment

Nacogdoches, TX

$72 4.1%

Ubud, Bali

$58 4.3% 19.1% $14

Cost Breakdown

A one-bedroom apartment in the center runs $887 in Nacogdoches, TX and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Nacogdoches, TX pays about 42 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $37 in Nacogdoches, TX vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $318 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Nacogdoches, TX

🇮🇩 Ubud, Bali

🕒 Local time

21:28 9:28 PM

11:28 11:28 AM

14 h ahead of Nacogdoches, TX

🌤 Weather

👥 Population

32,147

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 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 November 3, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,355 IDR (100,000 IDR = 4.91 EUR).

IDR to USD in detail →

On the map

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Between locations

Nacogdoches, TX Ubud, Bali 16,000 km ≈ 20 h nonstop flight

From you

Nacogdoches, 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

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

Total monthly costs including rent come to $1,737 in Nacogdoches, TX and $1,349 in Ubud, Bali, so Ubud, Bali is about 22% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Nacogdoches, TX is about 42 times higher, 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: $887 in Nacogdoches, TX versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 88% less than in Nacogdoches, TX. The price difference matters if you commute daily and watch your budget.

Childcare runs $1,420 in Nacogdoches, TX versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Ubud, Bali wins on affordability, Nacogdoches, TX on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.