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

Monthly Cost of Living

Monthly costs for one person with rent: $1,808 in Olsztyn versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,733 in Olsztyn versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,659 in Olsztyn versus $3,327 in Ubud, Bali.

Living in Olsztyn is roughly 32% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Olsztyn 32% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$13.39 zł 50.8

$3.44 Rp 61.0K

289.24%

Three-Course Dinner for Two, Mid-Range

$51.9 zł 197

$36.31 Rp 644.2K

42.85%

Fast Food Meal (McDonalds, etc)

$9.10 zł 34.53

$5.71 Rp 101.2K

59.37%

Cappuccino

$3.45 zł 13.10

$2.67 Rp 47.4K

29.21%

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

$2.52 zł 9.57

$1.75 Rp 31.0K

44.00%

Water (0.33 liter bottle)

$1.98 zł 7.53

$0.87 Rp 15.5K

127.59%

Local Beer (0.5 liter draught)

$3.18 zł 12.06

$2.95 Rp 52.4K

7.80%

Imported Beer (0.33 liter bottle)

$3.98 zł 15.10

$4.52 Rp 80.2K

-11.95%

Milk (1 liter)

$1.07 zł 4.07

$1.62 Rp 28.7K

-33.95%

White Bread (500g)

$1.37 zł 5.21

$2.33 Rp 41.3K

-41.20%

Rice (white) (1kg)

$1.50 zł 5.69

$1.11 Rp 19.6K

35.14%

Eggs

$4.06 zł 15.42

$2.20 Rp 39.0K

84.55%

Local Cheese (1kg)

$10.13 zł 38.45

$17.69 Rp 313.9K

-42.74%

Chicken Fillets (1kg)

$7.73 zł 29.34

$4.10 Rp 72.7K

88.54%

Beef Round Steak (1kg)

$15.62 zł 59.3

$12.18 Rp 216.0K

28.24%

Apples (1kg)

$1.23 zł 4.68

$3.71 Rp 65.8K

-66.85%

Banana (1kg)

$1.75 zł 6.62

$1.59 Rp 28.2K

10.06%

Oranges (1kg)

$1.87 zł 7.09

$2.28 Rp 40.5K

-17.98%

Tomato (1kg)

$3.49 zł 13.25

$1.95 Rp 34.7K

78.97%

Potato (1kg)

$1.02 zł 3.87

$1.91 Rp 33.8K

-46.60%

Onion (1kg)

$1.27 zł 4.83

$2.33 Rp 41.4K

-45.49%

Lettuce (1 head)

$1.36 zł 5.15

$1.01 Rp 17.9K

34.65%

Water (1.5 liter bottle)

$0.75 zł 2.86

$0.55 Rp 9,791

36.36%

Cigarettes 20 Pack (Marlboro, Camel)

$5.72 zł 21.72

$2.23 Rp 39.6K

156.50%

Wine (Bottle)

$7.91 zł 30.02

$23.07 Rp 409.3K

-65.71%

Local Beer (0.5 liter bottle)

$1.15 zł 4.36

$2.42 Rp 42.9K

-52.48%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.17

$3.00 Rp 53.2K

-45.67%

One-way Ticket (Public Transport)

$1.09 zł 4.13

$0.27 Rp 4,823

303.70%

Public Transport Monthly Pass (Regular Price)

$26.74 zł 102

$8.98 Rp 159.4K

197.77%

Taxi Start (Normal Tariff)

$2.07 zł 7.86

$0.48 Rp 8,582

331.25%

Taxi (Normal Tariff) (1km)

$0.77 zł 2.91

$0.43 Rp 7,693

79.07%

Taxi 1hour Waiting (Normal Tariff)

$10.58 zł 40.15

$5.64 Rp 100.1K

87.59%

Gasoline (1 liter)

$1.61 zł 6.11

$0.80 Rp 14.3K

101.25%

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

$33.2K zł 126.1K

$24.9K Rp 442.5M

33.18%

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

$29.8K zł 113.3K

$31.7K Rp 562.6M

-5.90%

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

$305 zł 1,157

$81.5 Rp 1.4M

274.22%

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

$9.77 zł 37.09

$6.49 Rp 115.2K

50.54%

Internet (50+ Mbps, Unlimited Data)

$18.85 zł 71.6

$18.77 Rp 333.0K

0.43%

Gym Membership (Monthly)

$52.6 zł 200

$56.9 Rp 1.0M

-7.53%

Tennis Court (1 Hour on Weekend)

$23.45 zł 89.0

$18.73 Rp 332.3K

25.20%

Cinema Ticket

$9.43 zł 35.78

$4.54 Rp 80.5K

107.71%

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

$403 zł 1,531

$481 Rp 8.5M

-16.08%

International Primary School, 1 Child (Yearly)

$14.6K zł 55.4K

$5,711 Rp 101.3M

155.59%

Jeans (Levis 501 Or Similar)

$104 zł 393

$45.52 Rp 807.5K

127.53%

Summer Dress (H&M, Zara, etc)

$50.7 zł 192

$35.88 Rp 636.6K

41.16%

Sport Shoes (Adidas, Nike)

$105 zł 398

$80.4 Rp 1.4M

30.29%

Men's Leather Business Shoes

$108 zł 408

$78.7 Rp 1.4M

36.75%

1-bedroom Apartment, City Center (Monthly)

$919 zł 3,487

$1,115 Rp 19.8M

-17.58%

1-bedroom Apartment, Outside City Center (Monthly)

$735 zł 2,791

$698 Rp 12.4M

5.39%

3-bedroom Apartment, City Center (Monthly)

$1,785 zł 6,777

$3,637 Rp 64.5M

-50.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,404 zł 5,329

$1,737 Rp 30.8M

-19.20%

Buy Apartment in City Center (m2)

$3,850 zł 14.6K

$2,784 Rp 49.4M

38.29%

Buy Apartment Outside City Center (m2)

$2,698 zł 10.2K

$2,290 Rp 40.6M

17.85%

Average Monthly Net Salary (After Tax)

$1,456 zł 5,528

$168 Rp 3.0M

766.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.52

13.78

-45.43%

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

Last update for Olsztyn: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $919 in Olsztyn and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 767% 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: $52.0 in Olsztyn vs $36.00 in Ubud, Bali. Groceries flip the comparison at $249 vs $295, with Olsztyn cheaper for home cooking.

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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around, Monthly Utilities & Internet. The 32% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 767% higher in Olsztyn, 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: $919 in Olsztyn versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 18% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36.00 versus $52.0 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $1,808 in Olsztyn, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Olsztyn. 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 Olsztyn, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Olsztyn 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 32% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.