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

Monthly Cost of Living

A single person spends $1,176 per month in Nagano vs $1,419 in Ubud, Bali, rent included.

A couple spends around $1,896 per month in Nagano vs $2,540 in Ubud, Bali, rent included.

A family of three spends $2,616 per month in Nagano vs $3,660 in Ubud, Bali, rent included.

Nagano is about 17% cheaper than Ubud, Bali, driven mainly by Getting Around.

Nagano sits 12% below the global median, while Ubud, Bali is 6% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$6.76 ¥1,082

$3.56 Rp 63.9K

89.89%

Three-Course Dinner for Two, Mid-Range

$35.32 ¥5,650

$32.73 Rp 586.8K

7.91%

Fast Food Meal (McDonalds, etc)

$4.09 ¥655

$4.95 Rp 88.7K

-17.37%

Cappuccino

$3.51 ¥562

$2.71 Rp 48.6K

29.52%

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

$1.09 ¥174

$1.34 Rp 24.1K

-18.66%

Water (0.33 liter bottle)

$0.64 ¥102

$0.70 Rp 12.5K

-8.57%

Local Beer (0.5 liter draught)

$2.10 ¥336

$2.92 Rp 52.3K

-28.08%

Imported Beer (0.33 liter bottle)

$2.06 ¥330

$3.96 Rp 70.9K

-47.98%

Milk (1 liter)

$1.25 ¥200

$1.81 Rp 32.4K

-30.94%

White Bread (500g)

$1.22 ¥194

$2.52 Rp 45.1K

-51.59%

Rice (white) (1kg)

$4.67 ¥748

$1.16 Rp 20.8K

302.59%

Eggs

$1.52 ¥243

$2.46 Rp 44.1K

-38.21%

Local Cheese (1kg)

$12.24 ¥1,957

$14.71 Rp 263.7K

-16.79%

Chicken Fillets (1kg)

$12.25 ¥1,959

$4.32 Rp 77.4K

183.56%

Beef Round Steak (1kg)

$16.89 ¥2,702

$12.14 Rp 217.5K

39.13%

Apples (1kg)

$7.52 ¥1,202

$3.84 Rp 68.8K

95.83%

Banana (1kg)

$2.57 ¥412

$1.56 Rp 27.9K

64.74%

Oranges (1kg)

$4.55 ¥729

$2.83 Rp 50.8K

60.78%

Tomato (1kg)

$4.44 ¥710

$2.33 Rp 41.7K

90.56%

Potato (1kg)

$3.73 ¥597

$1.91 Rp 34.3K

95.29%

Onion (1kg)

$3.60 ¥575

$2.20 Rp 39.5K

63.64%

Lettuce (1 head)

$1.07 ¥171

$1.01 Rp 18.2K

5.94%

Water (1.5 liter bottle)

$0.66 ¥106

$0.78 Rp 13.9K

-15.38%

Cigarettes 20 Pack (Marlboro, Camel)

$5.58 ¥892

$3.32 Rp 59.4K

68.07%

Wine (Bottle)

$9.13 ¥1,460

$23.74 Rp 425.5K

-61.54%

Local Beer (0.5 liter bottle)

$2.50 ¥399

$2.79 Rp 50.0K

-10.39%

Imported Beer (0.33 liter bottle)

$3.56 ¥570

$2.86 Rp 51.3K

24.48%

One-way Ticket (Public Transport)

$1.49 ¥238

$0.27 Rp 4,819

451.85%

Public Transport Monthly Pass (Regular Price)

$56.0 ¥8,960

$8.03 Rp 143.9K

597.63%

Taxi Start (Normal Tariff)

$3.14 ¥502

$0.46 Rp 8,181

582.61%

Taxi (Normal Tariff) (1km)

$3.00 ¥480

$0.45 Rp 8,068

566.67%

Taxi 1hour Waiting (Normal Tariff)

$20.41 ¥3,265

$6.10 Rp 109.3K

234.59%

Gasoline (1 liter)

$1.16 ¥185

$0.79 Rp 14.2K

46.84%

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

$23.8K ¥3.8M

$26.1K Rp 468.8M

-8.97%

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

$17.4K ¥2.8M

$32.1K Rp 575.8M

-45.92%

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

$82.9 ¥13.3K

$79.9 Rp 1.4M

3.68%

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

$29.54 ¥4,724

$4.06 Rp 72.9K

627.59%

Internet (50+ Mbps, Unlimited Data)

$17.05 ¥2,728

$23.52 Rp 421.6K

-27.51%

Gym Membership (Monthly)

$56.0 ¥8,949

$98.7 Rp 1.8M

-43.31%

Tennis Court (1 Hour on Weekend)

$14.08 ¥2,253

$6.63 Rp 118.8K

112.37%

Cinema Ticket

$11.51 ¥1,841

$4.15 Rp 74.3K

177.35%

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

$281 ¥45.0K

$304 Rp 5.4M

-7.40%

International Primary School, 1 Child (Yearly)

$13.3K ¥2.1M

$6,613 Rp 118.5M

101.15%

Jeans (Levis 501 Or Similar)

$44.14 ¥7,060

$55.5 Rp 995.6K

-20.53%

Summer Dress (H&M, Zara, etc)

$29.58 ¥4,731

$38.31 Rp 686.7K

-22.79%

Sport Shoes (Adidas, Nike)

$60.2 ¥9,630

$88.6 Rp 1.6M

-32.04%

Men's Leather Business Shoes

$96.0 ¥15.3K

$77.9 Rp 1.4M

23.22%

1-bedroom Apartment, City Center (Monthly)

$483 ¥77.2K

$1,006 Rp 18.0M

-52.06%

1-bedroom Apartment, Outside City Center (Monthly)

$275 ¥43.9K

$675 Rp 12.1M

-59.34%

3-bedroom Apartment, City Center (Monthly)

$854 ¥136.6K

$3,442 Rp 61.7M

-75.19%

3-bedroom Apartment, Outside City Center (Monthly)

$665 ¥106.4K

$2,039 Rp 36.6M

-67.39%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

Average Monthly Net Salary (After Tax)

$633 ¥101.3K

$165 Rp 3.0M

283.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-84.94%

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

Last update for Nagano: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $483 in Nagano versus $1,006 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 283% higher in Nagano, 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 $35.00 in Nagano versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $360 vs $302 – making Ubud, Bali 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

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

Ubud, Bali costs about 21% more than Nagano, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,764 per month in Nagano and $2,129 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Nagano, 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 $35.00 in Nagano and $33.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,176 in Nagano and $1,419 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,000 monthly budget goes further in Nagano, where all-in costs run around $1,176, than in Ubud, Bali at $1,419. In Nagano it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Nagano costs $1,176 versus $1,419 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Nagano. 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.