Cost of Living Comparison Between Oyster Bay, NY and Ubud, Bali Cost of Living Comparison Between Oyster Bay, NY and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,739 in Oyster Bay, NY versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $4,080 in Oyster Bay, NY versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,420 in Oyster Bay, NY versus $3,327 in Ubud, Bali.

Living in Oyster Bay, NY is roughly 100% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Oyster Bay, NY 100% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$25.03 $25.03

$3.44 Rp 61.0K

627.62%

Three-Course Dinner for Two, Mid-Range

$98.2 $98.2

$36.31 Rp 644.2K

170.39%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$5.71 Rp 101.2K

126.62%

Cappuccino

$5.34 $5.34

$2.67 Rp 47.4K

100.00%

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

$2.22 $2.22

$1.75 Rp 31.0K

26.86%

Water (0.33 liter bottle)

$1.51 $1.51

$0.87 Rp 15.5K

73.56%

Local Beer (0.5 liter draught)

$8.78 $8.78

$2.95 Rp 52.4K

197.63%

Imported Beer (0.33 liter bottle)

$8.22 $8.22

$4.52 Rp 80.2K

81.86%

Milk (1 liter)

$1.26 $1.26

$1.62 Rp 28.7K

-22.22%

White Bread (500g)

$4.25 $4.25

$2.33 Rp 41.3K

82.40%

Rice (white) (1kg)

$6.16 $6.16

$1.11 Rp 19.6K

454.95%

Eggs

$5.88 $5.88

$2.20 Rp 39.0K

167.27%

Local Cheese (1kg)

$14.04 $14.04

$17.69 Rp 313.9K

-20.63%

Chicken Fillets (1kg)

$10.08 $10.08

$4.10 Rp 72.7K

145.85%

Beef Round Steak (1kg)

$19.78 $19.78

$12.18 Rp 216.0K

62.40%

Apples (1kg)

$5.34 $5.34

$3.71 Rp 65.8K

43.94%

Banana (1kg)

$1.80 $1.80

$1.59 Rp 28.2K

13.21%

Oranges (1kg)

$4.33 $4.33

$2.28 Rp 40.5K

89.91%

Tomato (1kg)

$4.92 $4.92

$1.95 Rp 34.7K

152.31%

Potato (1kg)

$3.06 $3.06

$1.91 Rp 33.8K

60.21%

Onion (1kg)

$3.38 $3.38

$2.33 Rp 41.4K

45.06%

Lettuce (1 head)

$2.83 $2.83

$1.01 Rp 17.9K

180.20%

Water (1.5 liter bottle)

$2.97 $2.97

$0.55 Rp 9,791

440.00%

Cigarettes 20 Pack (Marlboro, Camel)

$11.40 $11.40

$2.23 Rp 39.6K

411.21%

Wine (Bottle)

$15.18 $15.18

$23.07 Rp 409.3K

-34.20%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.42 Rp 42.9K

-27.69%

Imported Beer (0.33 liter bottle)

$3.49 $3.49

$3.00 Rp 53.2K

16.33%

One-way Ticket (Public Transport)

$2.05 $2.05

$0.27 Rp 4,823

659.26%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

Taxi Start (Normal Tariff)

$2.96 $2.96

$0.48 Rp 8,582

516.67%

Taxi (Normal Tariff) (1km)

$2.06 $2.06

$0.43 Rp 7,693

379.07%

Taxi 1hour Waiting (Normal Tariff)

$23.80 $23.80

$5.64 Rp 100.1K

321.99%

Gasoline (1 liter)

$1.07 $1.07

$0.80 Rp 14.3K

33.75%

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

$35.7K $35.7K

$24.9K Rp 442.5M

43.28%

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

$25.4K $25.4K

$31.7K Rp 562.6M

-19.88%

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

$208 $208

$81.5 Rp 1.4M

155.92%

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

$74.7 $74.7

$6.49 Rp 115.2K

1050.23%

Internet (50+ Mbps, Unlimited Data)

$64.8 $64.8

$18.77 Rp 333.0K

245.13%

Gym Membership (Monthly)

$42.24 $42.24

$56.9 Rp 1.0M

-25.73%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

Cinema Ticket

$15.21 $15.21

$4.54 Rp 80.5K

235.02%

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

$2,026 $2,026

$481 Rp 8.5M

321.42%

International Primary School, 1 Child (Yearly)

$16.3K $16.3K

$5,711 Rp 101.3M

185.12%

Jeans (Levis 501 Or Similar)

$50.4 $50.4

$45.52 Rp 807.5K

10.81%

Summer Dress (H&M, Zara, etc)

$57.0 $57.0

$35.88 Rp 636.6K

58.78%

Sport Shoes (Adidas, Nike)

$88.3 $88.3

$80.4 Rp 1.4M

9.86%

Men's Leather Business Shoes

$151 $151

$78.7 Rp 1.4M

92.39%

1-bedroom Apartment, City Center (Monthly)

$1,587 $1,587

$1,115 Rp 19.8M

42.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,285 $1,285

$698 Rp 12.4M

84.17%

3-bedroom Apartment, City Center (Monthly)

$2,483 $2,483

$3,637 Rp 64.5M

-31.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,120 $2,120

$1,737 Rp 30.8M

22.06%

Buy Apartment in City Center (m2)

$2,791 $2,791

$2,784 Rp 49.4M

0.25%

Buy Apartment Outside City Center (m2)

$2,237 $2,237

$2,290 Rp 40.6M

-2.30%

Average Monthly Net Salary (After Tax)

$6,896 $6,896

$168 Rp 3.0M

4004.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.22

13.78

-54.86%

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

Last update for Oyster Bay, NY: September 15, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,587 in Oyster Bay, NY and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays 4005% 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: $98.0 in Oyster Bay, NY vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $444 vs $295 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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Sport & Entertainment. The 100% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 4005% higher in Oyster Bay, NY, 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: $1,587 in Oyster Bay, NY versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,026 in Oyster Bay, NY versus $481 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 $36.00 versus $98.0 in Oyster Bay, NY. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $2,739 in Oyster Bay, NY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Oyster Bay, NY. 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 Oyster Bay, NY, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oyster Bay, NY 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 100% less than in Oyster Bay, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.