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

Monthly Cost of Living

A single person spends $751 per month in Ndola vs $1,396 in Ubud, Bali, rent included.

A couple spends around $1,768 per month in Ndola vs $2,334 in Ubud, Bali, rent included.

A family of three spends $2,784 per month in Ndola vs $3,273 in Ubud, Bali, rent included.

Ndola is about 46% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Ndola sits 45% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$5.75 ZMW 110

$3.37 Rp 59.5K

70.62%

Three-Course Dinner for Two, Mid-Range

$31.73 ZMW 608

$38.59 Rp 680.4K

-17.78%

Fast Food Meal (McDonalds, etc)

$5.13 ZMW 98.2

$5.52 Rp 97.3K

-7.07%

Cappuccino

$2.89 ZMW 55.4

$2.64 Rp 46.6K

9.47%

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

$0.56 ZMW 10.63

$1.67 Rp 29.5K

-66.47%

Water (0.33 liter bottle)

$0.25 ZMW 4.75

$0.77 Rp 13.6K

-67.53%

Local Beer (0.5 liter draught)

$1.29 ZMW 24.64

$2.63 Rp 46.4K

-50.95%

Imported Beer (0.33 liter bottle)

$2.35 ZMW 45.02

$4.28 Rp 75.5K

-45.09%

Milk (1 liter)

$1.74 ZMW 33.29

$1.55 Rp 27.3K

12.26%

White Bread (500g)

$1.19 ZMW 22.76

$2.22 Rp 39.2K

-46.40%

Rice (white) (1kg)

$2.14 ZMW 41.01

$1.13 Rp 19.8K

89.38%

Eggs

$1.65 ZMW 31.56

$2.09 Rp 36.8K

-21.05%

Local Cheese (1kg)

$10.73 ZMW 205

$17.39 Rp 306.7K

-38.30%

Chicken Fillets (1kg)

$6.47 ZMW 124

$3.87 Rp 68.2K

67.18%

Beef Round Steak (1kg)

$6.81 ZMW 130

$12.55 Rp 221.3K

-45.74%

Apples (1kg)

$1.59 ZMW 30.49

$3.62 Rp 63.8K

-56.08%

Banana (1kg)

$2.51 ZMW 48.00

$1.56 Rp 27.5K

60.90%

Oranges (1kg)

$3.76 ZMW 72.0

$2.35 Rp 41.5K

60.00%

Tomato (1kg)

$1.65 ZMW 31.61

$2.06 Rp 36.2K

-19.90%

Potato (1kg)

$2.61 ZMW 49.89

$1.90 Rp 33.5K

37.37%

Onion (1kg)

$1.95 ZMW 37.32

$2.34 Rp 41.2K

-16.67%

Lettuce (1 head)

$1.16 ZMW 22.22

$1.03 Rp 18.2K

12.62%

Water (1.5 liter bottle)

$0.66 ZMW 12.54

$0.55 Rp 9,781

20.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.12 ZMW 59.7

$2.25 Rp 39.7K

38.67%

Wine (Bottle)

$10.45 ZMW 200

$23.81 Rp 419.8K

-56.11%

Local Beer (0.5 liter bottle)

$1.52 ZMW 29.17

$2.31 Rp 40.8K

-34.20%

Imported Beer (0.33 liter bottle)

$2.42 ZMW 46.43

$2.80 Rp 49.4K

-13.57%

One-way Ticket (Public Transport)

$0.75 ZMW 14.41

$0.27 Rp 4,803

177.78%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

Taxi Start (Normal Tariff)

$2.60 ZMW 49.81

$0.48 Rp 8,490

441.67%

Taxi (Normal Tariff) (1km)

$1.56 ZMW 29.85

$0.45 Rp 7,865

246.67%

Taxi 1hour Waiting (Normal Tariff)

$5.22 ZMW 99.9

$5.72 Rp 100.8K

-8.74%

Gasoline (1 liter)

$1.47 ZMW 28.20

$0.76 Rp 13.4K

93.42%

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

$7,874 ZMW 150.8K

$24.5K Rp 431.7M

-67.84%

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

$27.2K ZMW 520.4K

$32.1K Rp 566.4M

-15.40%

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

$84.6 ZMW 1,620

$83.6 Rp 1.5M

1.24%

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

$10.89 ZMW 209

$6.46 Rp 113.8K

68.58%

Internet (50+ Mbps, Unlimited Data)

$57.9 ZMW 1,109

$18.99 Rp 334.9K

205.00%

Gym Membership (Monthly)

$56.0 Rp 987.0K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.3K

Cinema Ticket

$6.17 ZMW 118

$4.28 Rp 75.5K

44.16%

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

$143 ZMW 2,732

$487 Rp 8.6M

-70.67%

International Primary School, 1 Child (Yearly)

$16.7K ZMW 320.4K

$5,856 Rp 103.3M

185.75%

Jeans (Levis 501 Or Similar)

$24.07 ZMW 461

$45.56 Rp 803.3K

-47.17%

Summer Dress (H&M, Zara, etc)

$16.45 ZMW 315

$36.38 Rp 641.5K

-54.78%

Sport Shoes (Adidas, Nike)

$47.47 ZMW 909

$82.0 Rp 1.4M

-42.08%

Men's Leather Business Shoes

$75.9 ZMW 1,453

$80.4 Rp 1.4M

-5.62%

1-bedroom Apartment, City Center (Monthly)

$181 ZMW 3,474

$1,117 Rp 19.7M

-83.75%

1-bedroom Apartment, Outside City Center (Monthly)

$157 ZMW 3,009

$701 Rp 12.4M

-77.59%

3-bedroom Apartment, City Center (Monthly)

$388 ZMW 7,439

$3,537 Rp 62.4M

-89.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,519 ZMW 29.1K

$1,762 Rp 31.1M

-13.84%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

Average Monthly Net Salary (After Tax)

$591 ZMW 11.3K

$170 Rp 3.0M

247.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

110.45%

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

Last update for Ndola: September 1, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $181 in Ndola versus $1,117 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 248% higher in Ndola, 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 $32.00 in Ndola versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $233 vs $293 – making Ndola 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

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

Yes – Ubud, Bali is pricier by about 86%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,127 per month in Ndola and $2,095 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ndola, 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 $32.00 in Ndola and $39.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 26% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Ndola, where all-in costs run around $751, than in Ubud, Bali at $1,396. In Ndola it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Ndola – 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 Ndola. 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.