Last update: Oct 2026

Cost of Living Comparison Between Oneonta, NY and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,050 in Oneonta, NY, rent and utilities included – about $8,400 less a year. Other living expenses account for most of the difference.

100

Cost of Living Index in Oneonta, NY
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Oneonta, NY Living Index
66

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

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Oneonta, NY

🇺🇸 United States

$2,050

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

A single person spends $2,050 per month in Oneonta, NY vs $1,348 in Ubud, Bali, rent included.

Oneonta, NY $2,050
Ubud, Bali $1,348

A couple spends around $2,958 per month in Oneonta, NY vs $2,312 in Ubud, Bali, rent included.

Oneonta, NY $2,958
Ubud, Bali $2,312

A family of three spends $3,866 per month in Oneonta, NY vs $3,276 in Ubud, Bali, rent included.

Oneonta, NY $3,866
Ubud, Bali $3,276

Oneonta, NY costs about 52% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Oneonta, NY and Ubud, Bali sit above the global median – Oneonta, NY by 53%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$17.63 $17.63

$3.33 Rp 59.6K

429.43%

Three-Course Dinner for Two, Mid-Range

$55.2 $55.2

$35.42 Rp 633.3K

55.96%

Fast Food Meal (McDonalds, etc)

$6.40 $6.40

$5.76 Rp 102.9K

11.11%

Cappuccino

$3.88 $3.88

$2.63 Rp 47.0K

47.53%

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

$2.56 $2.56

$1.74 Rp 31.0K

47.13%

Water (0.33 liter bottle)

$2.05 $2.05

$0.77 Rp 13.8K

166.23%

Local Beer (0.5 liter draught)

$2.94 $2.94

$2.71 Rp 48.4K

8.49%

Imported Beer (0.33 liter bottle)

$3.94 $3.94

$4.52 Rp 80.8K

-12.83%

Milk (1 liter)

$0.96 $0.96

$1.53 Rp 27.4K

-37.25%

White Bread (500g)

$2.91 $2.91

$2.20 Rp 39.2K

32.27%

Rice (white) (1kg)

$1.18 $1.18

$1.22 Rp 21.8K

-3.28%

Eggs

$2.03 $2.03

$2.14 Rp 38.2K

-5.14%

Local Cheese (1kg)

$11.17 $11.17

$17.73 Rp 317.0K

-37.00%

Chicken Fillets (1kg)

$7.47 $7.47

$3.86 Rp 68.9K

93.52%

Beef Round Steak (1kg)

$10.05 $10.05

$12.03 Rp 215.0K

-16.46%

Apples (1kg)

$3.17 $3.17

$3.61 Rp 64.5K

-12.19%

Banana (1kg)

$1.18 $1.18

$1.51 Rp 27.1K

-21.85%

Oranges (1kg)

$2.53 $2.53

$2.32 Rp 41.5K

9.05%

Tomato (1kg)

$4.48 $4.48

$2.00 Rp 35.8K

124.00%

Potato (1kg)

$1.53 $1.53

$1.81 Rp 32.4K

-15.47%

Onion (1kg)

$1.62 $1.62

$2.39 Rp 42.7K

-32.22%

Lettuce (1 head)

$1.47 $1.47

$0.99 Rp 17.8K

48.48%

Water (1.5 liter bottle)

$1.52 $1.52

$0.52 Rp 9,375

192.31%

Cigarettes 20 Pack (Marlboro, Camel)

$11.05 $11.05

$2.18 Rp 39.0K

406.88%

Wine (Bottle)

$13.90 $13.90

$22.98 Rp 410.8K

-39.51%

Local Beer (0.5 liter bottle)

$3.00 $3.00

$2.40 Rp 42.8K

25.00%

Imported Beer (0.33 liter bottle)

$1.48 $1.48

$3.00 Rp 53.6K

-50.67%

One-way Ticket (Public Transport)

$2.06 $2.06

$0.24 Rp 4,256

758.33%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$3.80 $3.80

$0.44 Rp 7,877

763.64%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$0.42 Rp 7,584

402.38%

Taxi 1hour Waiting (Normal Tariff)

$30.41 $30.41

$5.45 Rp 97.4K

457.98%

Gasoline (1 liter)

$0.94 $0.94

$0.84 Rp 15.1K

11.90%

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

$27.1K $27.1K

$24.3K Rp 434.9M

11.60%

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

$26.4K $26.4K

$31.9K Rp 570.1M

-17.35%

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

$143 $143

$80.8 Rp 1.4M

76.89%

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

$34.48 $34.48

$6.58 Rp 117.6K

424.01%

Internet (50+ Mbps, Unlimited Data)

$74.2 $74.2

$18.24 Rp 326.1K

306.96%

Gym Membership (Monthly)

$41.70 $41.70

$55.1 Rp 985.6K

-24.36%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.0K

Cinema Ticket

$11.92 $11.92

$4.24 Rp 75.9K

181.13%

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

$1,742 $1,742

$486 Rp 8.7M

258.75%

International Primary School, 1 Child (Yearly)

$17.8K $17.8K

$5,676 Rp 101.5M

214.11%

Jeans (Levis 501 Or Similar)

$41.12 $41.12

$45.18 Rp 807.8K

-8.99%

Summer Dress (H&M, Zara, etc)

$39.66 $39.66

$34.57 Rp 618.1K

14.72%

Sport Shoes (Adidas, Nike)

$74.9 $74.9

$79.2 Rp 1.4M

-5.32%

Men's Leather Business Shoes

$81.6 $81.6

$77.6 Rp 1.4M

5.15%

1-bedroom Apartment, City Center (Monthly)

$1,095 $1,095

$1,127 Rp 20.1M

-2.77%

1-bedroom Apartment, Outside City Center (Monthly)

$1,077 $1,077

$674 Rp 12.1M

59.78%

3-bedroom Apartment, City Center (Monthly)

$2,010 $2,010

$3,618 Rp 64.7M

-44.46%

3-bedroom Apartment, Outside City Center (Monthly)

$1,749 $1,749

$1,735 Rp 31.0M

0.82%

Buy Apartment in City Center (m2)

$1,660 $1,660

$2,829 Rp 50.6M

-41.31%

Buy Apartment Outside City Center (m2)

$1,694 $1,694

$2,307 Rp 41.2M

-26.54%

Average Monthly Net Salary (After Tax)

$4,079 $4,079

$166 Rp 3.0M

2362.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

13.78

-51.60%

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

Last update for Oneonta, NY: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Oneonta, NY

$1.1K 52.4%

Ubud, Bali

$674 49.6% 37.4% $403

Groceries & Markets

Oneonta, NY

$286 13.9%

Ubud, Bali

$290 21.4% 1.5% $4.2

Monthly Utilities & Internet

Oneonta, NY

$252 12.2%

Ubud, Bali

$106 7.8% 58% $146

Eating Out

Oneonta, NY

$248 12%

Ubud, Bali

$108 8% 56.4% $140

Clothing & Footwear

Oneonta, NY

$107 5.2%

Ubud, Bali

$106 7.8% 0.3% $0.4

Sport & Entertainment

Oneonta, NY

$66 3.2%

Ubud, Bali

$64 4.7% 2.9% $1.9

Getting Around

Oneonta, NY

$23 * 1.1%

Ubud, Bali

$11 0.8% 53.5% $12

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,095 in Oneonta, NY versus $1,127 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 2362% higher in Oneonta, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $55.0 in Oneonta, NY versus $35.00 in Ubud, Bali. Groceries tell a different story – $286 in Oneonta, NY vs $290 in Ubud, Bali – so Oneonta, NY wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Oneonta, NY

🇮🇩 Ubud, Bali

🕒 Local time

02:08 2:08 AM

14:08 2:08 PM

12 h ahead of Oneonta, NY

🌤 Weather

👥 Population

13,000

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 12, 2026: 1 USD = 17,879 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,035 IDR (100,000 IDR = 4.99 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Oneonta, NY Ubud, Bali 16,110 km ≈ 21 h nonstop flight

From you

Oneonta, NY
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

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

Oneonta, NY costs about 52% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,076 per month in Oneonta, NY and $2,022 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, 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 $55.0 in Oneonta, NY and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 1% cheaper in Oneonta, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,348, than in Oneonta, NY at $2,050. In Ubud, Bali it covers expenses comfortably, while in Oneonta, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,348 versus $2,050 in Oneonta, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Oneonta, NY makes more sense. Both are solid long-term options with distinct trade-offs.