Last update: Oct 2026

Cost of Living Comparison Between Nago, Okinawa and Ubud, Bali

For one person, living is cheaper in Nago, Okinawa: $1,231 a month against $1,353 in Ubud, Bali, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

60

Cost of Living Index in Nago, Okinawa
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Nago, Okinawa Living Index
66

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

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Nago, Okinawa

🇯🇵 Japan

$1,231

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $1,231 per month in Nago, Okinawa vs $1,353 in Ubud, Bali, rent included.

Nago, Okinawa $1,231
Ubud, Bali $1,353

A couple spends around $1,923 per month in Nago, Okinawa vs $2,297 in Ubud, Bali, rent included.

Nago, Okinawa $1,923
Ubud, Bali $2,297

A family of three spends $2,614 per month in Nago, Okinawa vs $3,241 in Ubud, Bali, rent included.

Nago, Okinawa $2,614
Ubud, Bali $3,241

Nago, Okinawa is about 9% cheaper than Ubud, Bali, and outside of rent the biggest gap is in transport.

Nago, Okinawa sits 9% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$6.82 ¥1,077

$3.23 Rp 58.1K

111.15%

Three-Course Dinner for Two, Mid-Range

$35.35 ¥5,586

$34.88 Rp 627.8K

1.35%

Fast Food Meal (McDonalds, etc)

$5.68 ¥898

$5.70 Rp 102.5K

-0.35%

Cappuccino

$3.03 ¥479

$2.62 Rp 47.1K

15.65%

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

$1.10 ¥173

$1.72 Rp 31.0K

-36.05%

Water (0.33 liter bottle)

$0.76 ¥121

$0.81 Rp 14.6K

-6.17%

Local Beer (0.5 liter draught)

$2.10 ¥332

$2.65 Rp 47.7K

-20.75%

Imported Beer (0.33 liter bottle)

$3.05 ¥482

$4.37 Rp 78.6K

-30.21%

Milk (1 liter)

$1.52 ¥239

$1.57 Rp 28.3K

-3.18%

White Bread (500g)

$1.64 ¥259

$2.19 Rp 39.5K

-25.11%

Rice (white) (1kg)

$4.67 ¥738

$1.18 Rp 21.2K

295.76%

Eggs

$2.28 ¥361

$2.16 Rp 38.8K

5.56%

Local Cheese (1kg)

$10.13 ¥1,601

$17.65 Rp 317.7K

-42.61%

Chicken Fillets (1kg)

$6.15 ¥971

$3.78 Rp 68.0K

62.70%

Beef Round Steak (1kg)

$15.49 ¥2,448

$11.95 Rp 215.1K

29.62%

Apples (1kg)

$5.36 ¥847

$3.60 Rp 64.8K

48.89%

Banana (1kg)

$2.55 ¥402

$1.59 Rp 28.6K

60.38%

Oranges (1kg)

$4.13 ¥652

$2.31 Rp 41.6K

78.79%

Tomato (1kg)

$4.53 ¥716

$1.91 Rp 34.3K

137.17%

Potato (1kg)

$3.24 ¥511

$1.78 Rp 32.1K

82.02%

Onion (1kg)

$2.56 ¥404

$2.33 Rp 41.9K

9.87%

Lettuce (1 head)

$1.38 ¥217

$1.00 Rp 18.0K

38.00%

Water (1.5 liter bottle)

$0.88 ¥140

$0.53 Rp 9,509

66.04%

Cigarettes 20 Pack (Marlboro, Camel)

$4.26 ¥674

$2.29 Rp 41.1K

86.03%

Wine (Bottle)

$6.50 ¥1,027

$22.07 Rp 397.3K

-70.55%

Local Beer (0.5 liter bottle)

$1.91 ¥302

$2.35 Rp 42.2K

-18.72%

Imported Beer (0.33 liter bottle)

$2.37 ¥375

$2.98 Rp 53.6K

-20.47%

One-way Ticket (Public Transport)

$1.58 ¥250

$0.23 Rp 4,112

586.96%

Public Transport Monthly Pass (Regular Price)

$56.0 ¥8,840

$8.90 Rp 160.2K

528.65%

Taxi Start (Normal Tariff)

$3.43 ¥542

$0.47 Rp 8,466

629.79%

Taxi (Normal Tariff) (1km)

$2.87 ¥454

$0.43 Rp 7,737

567.44%

Taxi 1hour Waiting (Normal Tariff)

$21.07 ¥3,329

$5.47 Rp 98.4K

285.19%

Gasoline (1 liter)

$1.23 ¥194

$0.83 Rp 14.9K

48.19%

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

$23.5K ¥3.7M

$23.9K Rp 429.8M

-1.59%

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

$16.9K ¥2.7M

$32.8K Rp 590.1M

-48.58%

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

$139 ¥21.9K

$80.0 Rp 1.4M

73.36%

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

$27.18 ¥4,294

$6.56 Rp 118.1K

314.33%

Internet (50+ Mbps, Unlimited Data)

$34.51 ¥5,452

$18.60 Rp 334.8K

85.54%

Gym Membership (Monthly)

$57.1 ¥9,012

$54.1 Rp 974.1K

5.41%

Tennis Court (1 Hour on Weekend)

$13.97 ¥2,207

$18.28 Rp 329.0K

-23.58%

Cinema Ticket

$13.04 ¥2,061

$4.25 Rp 76.5K

206.82%

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

$285 ¥45.0K

$493 Rp 8.9M

-42.22%

International Primary School, 1 Child (Yearly)

$13.5K ¥2.1M

$5,597 Rp 100.7M

141.76%

Jeans (Levis 501 Or Similar)

$43.95 ¥6,944

$45.58 Rp 820.4K

-3.58%

Summer Dress (H&M, Zara, etc)

$28.96 ¥4,575

$34.96 Rp 629.4K

-17.16%

Sport Shoes (Adidas, Nike)

$59.0 ¥9,328

$77.7 Rp 1.4M

-24.03%

Men's Leather Business Shoes

$92.2 ¥14.6K

$78.5 Rp 1.4M

17.45%

1-bedroom Apartment, City Center (Monthly)

$461 ¥72.8K

$1,131 Rp 20.4M

-59.26%

1-bedroom Apartment, Outside City Center (Monthly)

$328 ¥51.9K

$673 Rp 12.1M

-51.20%

3-bedroom Apartment, City Center (Monthly)

$878 ¥138.6K

$3,613 Rp 65.0M

-75.71%

3-bedroom Apartment, Outside City Center (Monthly)

$659 ¥104.1K

$1,702 Rp 30.6M

-61.27%

Buy Apartment in City Center (m2)

$2,826 ¥446.5K

$2,717 Rp 48.9M

4.00%

Buy Apartment Outside City Center (m2)

$1,726 ¥272.6K

$2,241 Rp 40.3M

-23.00%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

1.81

13.78

-86.87%

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

Last update for Nago, Okinawa: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Nago, Okinawa

$328 26.7%

Ubud, Bali

$673 49.7% 105% $345

Groceries & Markets

Nago, Okinawa

$306 24.9%

Ubud, Bali

$287 21.2% 6.3% $19

Monthly Utilities & Internet

Nago, Okinawa

$200 16.3%

Ubud, Bali

$105 7.8% 47.5% $95

Eating Out

Nago, Okinawa

$132 10.7%

Ubud, Bali

$106 7.9% 19.3% $26

Clothing & Footwear

Nago, Okinawa

$101 8.2%

Ubud, Bali

$107 7.9% 5.6% $5.7

Sport & Entertainment

Nago, Okinawa

$83 6.8%

Ubud, Bali

$63 4.6% 24.7% $21

Getting Around

Nago, Okinawa

$80 6.5%

Ubud, Bali

$12 0.9% 84.5% $68

Cost Breakdown

A central one-bedroom costs $461 in Nago, Okinawa versus $1,131 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.

A mid-range dinner for two costs $35.00 in Nago, Okinawa versus $35.00 in Ubud, Bali. Groceries tell a different story – $306 in Nago, Okinawa vs $287 in Ubud, Bali – so Ubud, Bali wins on supermarket bills even if dining out costs more.

Good to know

🇯🇵 Nago, Okinawa

🇮🇩 Ubud, Bali

🕒 Local time

21:34 9:34 PM

20:34 8:34 PM

1 h behind Nago, Okinawa

🌤 Weather

👥 Population

63,554

74,800

💱 Currency

Japanese Yen JPY ¥

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to JPY – Japanese Yen Converter

🇺🇸 United States Dollar ($)

🇯🇵 Japanese Yen (¥)

Japanese Yen exchange rates as of October 20, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

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

USD to JPY in detail →

On the map

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Highest

Between locations

Nago, Okinawa Ubud, Bali 4,140 km ≈ 6 h nonstop flight

From you

Nago, Okinawa
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

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

Yes – Ubud, Bali is pricier by about 10%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $1,847 per month in Nago, Okinawa and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Nago, Okinawa, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 529% less in Nago, Okinawa. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $285 per month in Nago, Okinawa and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in Nago, Okinawa, where all-in costs run around $1,231, than in Ubud, Bali at $1,353. In Nago, Okinawa it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Nago, Okinawa – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Nago, Okinawa. 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.