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: $1,455 in Olsztyn versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $1,981 in Olsztyn versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,506 in Olsztyn versus $3,763 in Ubud, Bali.

Living in Olsztyn is roughly 3% more expensive than in Ubud, Bali, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Olsztyn 9% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$10.64 zł 40.34

$3.45 Rp 61.8K

208.41%

Three-Course Dinner for Two, Mid-Range

$46.03 zł 174

$32.34 Rp 578.5K

42.33%

Fast Food Meal (McDonalds, etc)

$7.54 zł 28.57

$4.84 Rp 86.7K

55.79%

Cappuccino

$3.02 zł 11.46

$2.75 Rp 49.1K

9.82%

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

$1.69 zł 6.40

$1.38 Rp 24.8K

22.46%

Water (0.33 liter bottle)

$1.90 zł 7.21

$0.75 Rp 13.4K

153.33%

Local Beer (0.5 liter draught)

$3.30 zł 12.50

$2.99 Rp 53.5K

10.37%

Imported Beer (0.33 liter bottle)

$3.83 zł 14.52

$3.85 Rp 68.9K

-0.52%

Milk (1 liter)

$1.05 zł 3.98

$1.74 Rp 31.1K

-39.66%

White Bread (500g)

$1.36 zł 5.16

$2.46 Rp 44.0K

-44.72%

Rice (white) (1kg)

$1.49 zł 5.65

$1.17 Rp 20.9K

27.35%

Eggs

$3.27 zł 12.40

$2.43 Rp 43.5K

34.57%

Local Cheese (1kg)

$8.87 zł 33.62

$14.50 Rp 259.5K

-38.83%

Chicken Fillets (1kg)

$6.02 zł 22.82

$4.35 Rp 77.8K

38.39%

Beef Round Steak (1kg)

$9.81 zł 37.16

$11.98 Rp 214.3K

-18.11%

Apples (1kg)

$1.14 zł 4.32

$3.72 Rp 66.5K

-69.35%

Banana (1kg)

$1.50 zł 5.67

$1.63 Rp 29.1K

-7.98%

Oranges (1kg)

$2.01 zł 7.61

$2.74 Rp 49.1K

-26.64%

Tomato (1kg)

$2.69 zł 10.20

$2.24 Rp 40.1K

20.09%

Potato (1kg)

$0.75 zł 2.84

$1.92 Rp 34.3K

-60.94%

Onion (1kg)

$1.19 zł 4.52

$2.28 Rp 40.7K

-47.81%

Lettuce (1 head)

$1.15 zł 4.38

$1.06 Rp 19.0K

8.49%

Water (1.5 liter bottle)

$0.73 zł 2.77

$0.72 Rp 12.9K

1.39%

Cigarettes 20 Pack (Marlboro, Camel)

$5.44 zł 20.61

$3.29 Rp 58.8K

65.35%

Wine (Bottle)

$8.04 zł 30.48

$23.19 Rp 414.9K

-65.33%

Local Beer (0.5 liter bottle)

$0.99 zł 3.75

$2.78 Rp 49.7K

-64.39%

Imported Beer (0.33 liter bottle)

$1.71 zł 6.49

$2.73 Rp 48.9K

-37.36%

One-way Ticket (Public Transport)

$1.07 zł 4.04

$0.27 Rp 4,765

296.30%

Public Transport Monthly Pass (Regular Price)

$27.54 zł 104

$8.11 Rp 145.0K

239.58%

Taxi Start (Normal Tariff)

$1.99 zł 7.54

$0.48 Rp 8,636

314.58%

Taxi (Normal Tariff) (1km)

$0.71 zł 2.70

$0.42 Rp 7,511

69.05%

Taxi 1hour Waiting (Normal Tariff)

$13.84 zł 52.4

$6.22 Rp 111.3K

122.51%

Gasoline (1 liter)

$1.75 zł 6.64

$0.81 Rp 14.6K

116.05%

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

$33.3K zł 126.1K

$26.6K Rp 476.1M

25.01%

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

$31.2K zł 118.2K

$32.2K Rp 575.9M

-3.12%

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

$278 zł 1,053

$78.4 Rp 1.4M

254.52%

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

$9.00 zł 34.13

$4.07 Rp 72.8K

121.13%

Internet (50+ Mbps, Unlimited Data)

$17.01 zł 64.5

$24.33 Rp 435.2K

-30.09%

Gym Membership (Monthly)

$32.99 zł 125

$98.6 Rp 1.8M

-66.54%

Tennis Court (1 Hour on Weekend)

$16.57 zł 62.8

$6.34 Rp 113.3K

161.36%

Cinema Ticket

$8.12 zł 30.76

$3.99 Rp 71.3K

103.51%

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

$136 zł 515

$305 Rp 5.5M

-55.48%

International Primary School, 1 Child (Yearly)

$15.8K zł 59.9K

$6,642 Rp 118.8M

137.84%

Jeans (Levis 501 Or Similar)

$96.4 zł 365

$54.1 Rp 968.6K

78.00%

Summer Dress (H&M, Zara, etc)

$47.27 zł 179

$37.81 Rp 676.3K

25.02%

Sport Shoes (Adidas, Nike)

$80.9 zł 307

$86.8 Rp 1.6M

-6.83%

Men's Leather Business Shoes

$111 zł 422

$76.4 Rp 1.4M

45.96%

1-bedroom Apartment, City Center (Monthly)

$640 zł 2,427

$992 Rp 17.7M

-35.43%

1-bedroom Apartment, Outside City Center (Monthly)

$532 zł 2,016

$673 Rp 12.0M

-20.94%

3-bedroom Apartment, City Center (Monthly)

$958 zł 3,631

$3,375 Rp 60.4M

-71.62%

3-bedroom Apartment, Outside City Center (Monthly)

$596 zł 2,260

$2,050 Rp 36.7M

-70.92%

Buy Apartment in City Center (m2)

$3,909 zł 14.8K

$2,805 Rp 50.2M

39.39%

Buy Apartment Outside City Center (m2)

$2,714 zł 10.3K

$2,227 Rp 39.8M

21.85%

Average Monthly Net Salary (After Tax)

$1,425 zł 5,402

$167 Rp 3.0M

753.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.81

13.28

-56.25%

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

Last update for Olsztyn: July 12, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $640 in Olsztyn and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 754% 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: $46.00 in Olsztyn vs $32.00 in Ubud, Bali. Groceries flip the comparison at $208 vs $297, 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, Getting Around. The 3% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 754% 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: $640 in Olsztyn versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 43% 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 $32.00 versus $46.00 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,408 in Ubud, Bali versus $1,455 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 3% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.