Last update: Nov 2026

Cost of Living Comparison Between Olsztyn and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,703 in Olsztyn, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

81

Cost of Living Index in Olsztyn
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Olsztyn Living Index
64

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

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Olsztyn

🇵🇱 Poland

$1,703

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,703 in Olsztyn versus $1,331 in Ubud, Bali.

Olsztyn $1,703
Ubud, Bali $1,331

Estimated couple costs with rent: $2,449 in Olsztyn versus $2,255 in Ubud, Bali.

Olsztyn $2,449
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $3,196 in Olsztyn versus $3,180 in Ubud, Bali.

Olsztyn $3,196
Ubud, Bali $3,180

Living in Olsztyn is roughly 28% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Olsztyn is 26% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$12.63 zł 49.35

$3.38 Rp 61.3K

273.67%

Three-Course Dinner for Two, Mid-Range

$50.3 zł 197

$34.65 Rp 629.1K

45.17%

Fast Food Meal (McDonalds, etc)

$8.70 zł 33.99

$5.57 Rp 101.2K

56.19%

Cappuccino

$3.29 zł 12.84

$2.62 Rp 47.6K

25.57%

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

$2.48 zł 9.67

$1.54 Rp 27.9K

61.04%

Water (0.33 liter bottle)

$1.85 zł 7.22

$0.64 Rp 11.6K

189.06%

Local Beer (0.5 liter draught)

$3.09 zł 12.06

$2.67 Rp 48.4K

15.73%

Imported Beer (0.33 liter bottle)

$3.75 zł 14.66

$4.26 Rp 77.4K

-11.97%

Milk (1 liter)

$1.02 zł 3.99

$1.46 Rp 26.5K

-30.14%

White Bread (500g)

$1.25 zł 4.89

$2.29 Rp 41.6K

-45.41%

Rice (white) (1kg)

$1.38 zł 5.38

$1.11 Rp 20.1K

24.32%

Eggs

$3.87 zł 15.14

$2.10 Rp 38.1K

84.29%

Local Cheese (1kg)

$9.61 zł 37.57

$15.94 Rp 289.4K

-39.71%

Chicken Fillets (1kg)

$7.55 zł 29.52

$3.88 Rp 70.5K

94.59%

Beef Round Steak (1kg)

$14.51 zł 56.7

$11.40 Rp 207.0K

27.28%

Apples (1kg)

$1.19 zł 4.65

$3.55 Rp 64.5K

-66.48%

Banana (1kg)

$1.66 zł 6.47

$1.54 Rp 27.9K

7.79%

Oranges (1kg)

$1.82 zł 7.09

$2.23 Rp 40.5K

-18.39%

Tomato (1kg)

$3.44 zł 13.44

$1.97 Rp 35.8K

74.62%

Potato (1kg)

$0.91 zł 3.55

$1.86 Rp 33.7K

-51.08%

Onion (1kg)

$1.18 zł 4.61

$2.42 Rp 43.9K

-51.24%

Lettuce (1 head)

$1.34 zł 5.25

$1.02 Rp 18.6K

31.37%

Water (1.5 liter bottle)

$0.72 zł 2.82

$0.52 Rp 9,483

38.46%

Cigarettes 20 Pack (Marlboro, Camel)

$5.49 zł 21.44

$2.20 Rp 39.9K

149.55%

Wine (Bottle)

$7.81 zł 30.52

$21.79 Rp 395.6K

-64.16%

Local Beer (0.5 liter bottle)

$1.13 zł 4.42

$2.33 Rp 42.2K

-51.50%

Imported Beer (0.33 liter bottle)

$1.56 zł 6.10

$2.97 Rp 53.9K

-47.47%

One-way Ticket (Public Transport)

$1.04 zł 4.06

$0.25 Rp 4,546

316.00%

Public Transport Monthly Pass (Regular Price)

$25.18 zł 98.4

$8.17 Rp 148.4K

208.20%

Taxi Start (Normal Tariff)

$1.98 zł 7.73

$0.44 Rp 7,947

350.00%

Taxi (Normal Tariff) (1km)

$0.73 zł 2.85

$0.47 Rp 8,496

55.32%

Taxi 1hour Waiting (Normal Tariff)

$10.27 zł 40.13

$5.60 Rp 101.7K

83.39%

Gasoline (1 liter)

$1.64 zł 6.41

$0.83 Rp 15.0K

97.59%

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

$31.2K zł 122.1K

$24.4K Rp 443.8M

27.82%

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

$28.9K zł 113.0K

$31.7K Rp 575.5M

-8.78%

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

$336 zł 1,314

$77.5 Rp 1.4M

334.03%

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

$9.64 zł 37.68

$6.14 Rp 111.6K

57.00%

Internet (50+ Mbps, Unlimited Data)

$18.98 zł 74.2

$18.92 Rp 343.4K

0.32%

Gym Membership (Monthly)

$45.06 zł 176

$51.0 Rp 925.8K

-11.63%

Tennis Court (1 Hour on Weekend)

$22.38 zł 87.5

$18.25 Rp 331.3K

22.63%

Cinema Ticket

$8.70 zł 34.01

$4.38 Rp 79.6K

98.63%

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

$374 zł 1,460

$492 Rp 8.9M

-24.13%

International Primary School, 1 Child (Yearly)

$14.0K zł 54.7K

$12.2K Rp 221.9M

14.54%

Jeans (Levis 501 Or Similar)

$98.8 zł 386

$45.16 Rp 819.9K

118.67%

Summer Dress (H&M, Zara, etc)

$47.62 zł 186

$34.89 Rp 633.4K

36.49%

Sport Shoes (Adidas, Nike)

$99.9 zł 390

$78.3 Rp 1.4M

27.50%

Men's Leather Business Shoes

$104 zł 405

$77.9 Rp 1.4M

32.95%

1-bedroom Apartment, City Center (Monthly)

$820 zł 3,203

$1,078 Rp 19.6M

-23.93%

1-bedroom Apartment, Outside City Center (Monthly)

$638 zł 2,495

$665 Rp 12.1M

-3.99%

3-bedroom Apartment, City Center (Monthly)

$1,308 zł 5,112

$3,510 Rp 63.7M

-62.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,025 zł 4,005

$1,671 Rp 30.3M

-38.67%

Buy Apartment in City Center (m2)

$3,616 zł 14.1K

$2,340 Rp 42.5M

54.53%

Buy Apartment Outside City Center (m2)

$2,519 zł 9,843

$2,236 Rp 40.6M

12.64%

Average Monthly Net Salary (After Tax)

$1,491 zł 5,825

$166 Rp 3.0M

796.11%

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: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Olsztyn

$638 37.5%

Ubud, Bali

$665 50% 4.2% $27

Monthly Utilities & Internet

Olsztyn

$365 21.4%

Ubud, Bali

$103 7.7% 71.9% $262

Groceries & Markets

Olsztyn

$238 14%

Ubud, Bali

$279 21% 17.6% $42

Eating Out

Olsztyn

$207 12.1%

Ubud, Bali

$106 8% 48.9% $101

Clothing & Footwear

Olsztyn

$157 9.2%

Ubud, Bali

$106 8% 32.5% $51

Sport & Entertainment

Olsztyn

$62 3.7%

Ubud, Bali

$60 4.5% 4.3% $2.7

Getting Around

Olsztyn

$35 2.1%

Ubud, Bali

$12 0.9% 65.8% $23

Cost Breakdown

A one-bedroom apartment in the center runs $820 in Olsztyn and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Olsztyn pays about 9 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $50 in Olsztyn vs $35 in Ubud, Bali. Groceries flip the comparison at $238 vs $279, with Olsztyn cheaper for home cooking.

Good to know

🇵🇱 Olsztyn

🇮🇩 Ubud, Bali

🕒 Local time

00:50 12:50 AM

07:50 7:50 AM

7 h ahead of Olsztyn

🌤 Weather

👥 Population

174,675

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of November 4, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

USD to PLN in detail →

On the map

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Between locations

Olsztyn Ubud, Bali 11,080 km ≈ 14 h nonstop flight

From you

Olsztyn
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

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

Ubud, Bali is about 22% cheaper overall, especially in eating out, clothing, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Olsztyn is about 9 times higher, 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: $820 in Olsztyn versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 15% 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 $35 versus $50 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Olsztyn and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Olsztyn on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.