Cost of Living Comparison Between Northampton, MA and Ubud, Bali Cost of Living Comparison Between Northampton, MA and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,894 in Northampton, MA versus $1,397 in Ubud, Bali.

Estimated couple costs with rent: $4,182 in Northampton, MA versus $2,588 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,471 in Northampton, MA versus $3,778 in Ubud, Bali.

Living in Northampton, MA is roughly 107% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Northampton, MA 117% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$17.72 $17.72

$3.43 Rp 61.4K

416.62%

Three-Course Dinner for Two, Mid-Range

$79.2 $79.2

$31.97 Rp 572.4K

147.79%

Fast Food Meal (McDonalds, etc)

$9.33 $9.33

$5.05 Rp 90.4K

84.75%

Cappuccino

$4.63 $4.63

$2.71 Rp 48.6K

70.85%

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

$2.30 $2.30

$1.39 Rp 24.9K

65.47%

Water (0.33 liter bottle)

$1.62 $1.62

$0.74 Rp 13.3K

118.92%

Local Beer (0.5 liter draught)

$5.06 $5.06

$2.89 Rp 51.8K

75.09%

Imported Beer (0.33 liter bottle)

$5.89 $5.89

$3.79 Rp 67.9K

55.41%

Milk (1 liter)

$1.06 $1.06

$1.79 Rp 32.1K

-40.78%

White Bread (500g)

$3.85 $3.85

$2.51 Rp 44.9K

53.39%

Rice (white) (1kg)

$5.38 $5.38

$1.21 Rp 21.7K

344.63%

Eggs

$5.44 $5.44

$2.37 Rp 42.4K

129.54%

Local Cheese (1kg)

$14.10 $14.10

$14.43 Rp 258.4K

-2.29%

Chicken Fillets (1kg)

$14.28 $14.28

$4.15 Rp 74.3K

244.10%

Beef Round Steak (1kg)

$17.21 $17.21

$12.11 Rp 216.9K

42.11%

Apples (1kg)

$4.73 $4.73

$3.77 Rp 67.5K

25.46%

Banana (1kg)

$1.43 $1.43

$1.63 Rp 29.1K

-12.27%

Oranges (1kg)

$3.47 $3.47

$2.71 Rp 48.5K

28.04%

Tomato (1kg)

$4.79 $4.79

$2.26 Rp 40.4K

111.95%

Potato (1kg)

$2.92 $2.92

$1.93 Rp 34.5K

51.30%

Onion (1kg)

$2.91 $2.91

$2.19 Rp 39.3K

32.88%

Lettuce (1 head)

$3.19 $3.19

$1.02 Rp 18.2K

212.75%

Water (1.5 liter bottle)

$1.74 $1.74

$0.72 Rp 12.8K

141.67%

Cigarettes 20 Pack (Marlboro, Camel)

$14.87 $14.87

$3.18 Rp 57.0K

367.61%

Wine (Bottle)

$16.28 $16.28

$23.84 Rp 426.8K

-31.71%

Local Beer (0.5 liter bottle)

$1.81 $1.81

$2.77 Rp 49.7K

-34.66%

Imported Beer (0.33 liter bottle)

$2.04 $2.04

$2.75 Rp 49.3K

-25.82%

One-way Ticket (Public Transport)

$2.04 $2.04

$0.27 Rp 4,786

655.56%

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 146.8K

Taxi Start (Normal Tariff)

$4.95 $4.95

$0.48 Rp 8,653

931.25%

Taxi (Normal Tariff) (1km)

$2.10 $2.10

$0.42 Rp 7,545

400.00%

Taxi 1hour Waiting (Normal Tariff)

$27.30 $27.30

$6.03 Rp 107.9K

352.74%

Gasoline (1 liter)

$0.80 $0.80

$0.82 Rp 14.7K

-2.44%

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

$29.8K $29.8K

$26.6K Rp 475.6M

12.19%

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

$25.0K $25.0K

$32.2K Rp 576.6M

-22.27%

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

$135 $135

$78.3 Rp 1.4M

72.64%

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

$58.1 $58.1

$3.91 Rp 70.1K

1384.91%

Internet (50+ Mbps, Unlimited Data)

$76.4 $76.4

$23.91 Rp 428.2K

219.32%

Gym Membership (Monthly)

$52.3 $52.3

$96.2 Rp 1.7M

-45.59%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 116.8K

Cinema Ticket

$14.87 $14.87

$4.01 Rp 71.9K

270.82%

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

$1,412 $1,412

$303 Rp 5.4M

366.50%

International Primary School, 1 Child (Yearly)

$28.0K $28.0K

$6,551 Rp 117.3M

327.13%

Jeans (Levis 501 Or Similar)

$23.48 $23.48

$55.3 Rp 990.4K

-57.55%

Summer Dress (H&M, Zara, etc)

$46.85 $46.85

$38.32 Rp 686.1K

22.26%

Sport Shoes (Adidas, Nike)

$82.8 $82.8

$88.5 Rp 1.6M

-6.46%

Men's Leather Business Shoes

$101 $101

$76.7 Rp 1.4M

31.83%

1-bedroom Apartment, City Center (Monthly)

$2,081 $2,081

$986 Rp 17.6M

111.17%

1-bedroom Apartment, Outside City Center (Monthly)

$1,780 $1,780

$682 Rp 12.2M

161.01%

3-bedroom Apartment, City Center (Monthly)

$2,608 $2,608

$3,420 Rp 61.2M

-23.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,872 $2,872

$2,075 Rp 37.1M

38.44%

Buy Apartment in City Center (m2)

$2,762 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,807 $2,807

$2,243 Rp 40.2M

25.14%

Average Monthly Net Salary (After Tax)

$3,855 $3,855

$169 Rp 3.0M

2184.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

13.28

-51.43%

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

Last update for Northampton, MA: July 22, 2026

Last update for Ubud, Bali: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,081 in Northampton, MA and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Northampton, MA pays 2185% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $79.0 in Northampton, MA vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $422 vs $298 per month, with Ubud, Bali cheaper across the board.

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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Monthly Utilities & Internet, Getting Around. The 107% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2185% higher in Northampton, MA, 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: $2,081 in Northampton, MA versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,412 in Northampton, MA versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $32.00 versus $79.0 in Northampton, MA. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,397 in Ubud, Bali versus $2,894 in Northampton, MA, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Northampton, MA. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Northampton, MA, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Northampton, MA and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 107% less than in Northampton, MA. Beyond cost, consider language, visa policies, and how big the international community is in each city.