Last update: Nov 2026

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

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,789 in Oyster Bay, NY, rent and utilities included – about $17,500 less a year. Rent and utilities account for about half of the difference.

132

Cost of Living Index in Oyster Bay, NY
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Oyster Bay, NY Living Index
64

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

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Oyster Bay, NY

🇺🇸 United States

$2,789

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,789 in Oyster Bay, NY versus $1,331 in Ubud, Bali.

Oyster Bay, NY $2,789
Ubud, Bali $1,331

Estimated couple costs with rent: $4,148 in Oyster Bay, NY versus $2,255 in Ubud, Bali.

Oyster Bay, NY $4,148
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $5,507 in Oyster Bay, NY versus $3,180 in Ubud, Bali.

Oyster Bay, NY $5,507
Ubud, Bali $3,180

Living in Oyster Bay, NY is roughly 110% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Oyster Bay, NY is 106% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$24.67 $24.67

$3.38 Rp 61.0K

629.88%

Three-Course Dinner for Two, Mid-Range

$101 $101

$34.65 Rp 626.3K

192.73%

Fast Food Meal (McDonalds, etc)

$13.09 $13.09

$5.57 Rp 100.7K

135.01%

Cappuccino

$5.43 $5.43

$2.62 Rp 47.3K

107.25%

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

$2.24 $2.24

$1.54 Rp 27.8K

45.45%

Water (0.33 liter bottle)

$1.58 $1.58

$0.64 Rp 11.6K

146.88%

Local Beer (0.5 liter draught)

$9.14 $9.14

$2.67 Rp 48.2K

242.32%

Imported Beer (0.33 liter bottle)

$8.11 $8.11

$4.26 Rp 77.1K

90.38%

Milk (1 liter)

$1.30 $1.30

$1.46 Rp 26.4K

-10.96%

White Bread (500g)

$4.25 $4.25

$2.29 Rp 41.4K

85.59%

Rice (white) (1kg)

$6.05 $6.05

$1.11 Rp 20.0K

445.05%

Eggs

$5.98 $5.98

$2.10 Rp 38.0K

184.76%

Local Cheese (1kg)

$14.16 $14.16

$15.94 Rp 288.1K

-11.17%

Chicken Fillets (1kg)

$10.24 $10.24

$3.88 Rp 70.2K

163.92%

Beef Round Steak (1kg)

$20.11 $20.11

$11.40 Rp 206.1K

76.40%

Apples (1kg)

$5.45 $5.45

$3.55 Rp 64.2K

53.52%

Banana (1kg)

$1.74 $1.74

$1.54 Rp 27.8K

12.99%

Oranges (1kg)

$4.24 $4.24

$2.23 Rp 40.3K

90.13%

Tomato (1kg)

$5.26 $5.26

$1.97 Rp 35.6K

167.01%

Potato (1kg)

$2.98 $2.98

$1.86 Rp 33.6K

60.22%

Onion (1kg)

$3.36 $3.36

$2.42 Rp 43.7K

38.84%

Lettuce (1 head)

$2.92 $2.92

$1.02 Rp 18.5K

186.27%

Water (1.5 liter bottle)

$2.93 $2.93

$0.52 Rp 9,441

463.46%

Cigarettes 20 Pack (Marlboro, Camel)

$11.67 $11.67

$2.20 Rp 39.7K

430.45%

Wine (Bottle)

$15.13 $15.13

$21.79 Rp 393.8K

-30.56%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.33 Rp 42.0K

-24.03%

Imported Beer (0.33 liter bottle)

$3.56 $3.56

$2.97 Rp 53.7K

19.87%

One-way Ticket (Public Transport)

$2.29 $2.29

$0.25 Rp 4,526

816.00%

Public Transport Monthly Pass (Regular Price)

$66.8 $66.8

$8.17 Rp 147.8K

717.14%

Taxi Start (Normal Tariff)

$2.95 $2.95

$0.44 Rp 7,912

570.45%

Taxi (Normal Tariff) (1km)

$2.10 $2.10

$0.47 Rp 8,458

346.81%

Taxi 1hour Waiting (Normal Tariff)

$23.60 $23.60

$5.60 Rp 101.2K

321.43%

Gasoline (1 liter)

$1.16 $1.16

$0.83 Rp 15.0K

39.76%

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

$27.8K $27.8K

$24.4K Rp 441.9M

13.79%

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

$26.5K $26.5K

$31.7K Rp 572.9M

-16.48%

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

$216 $216

$77.5 Rp 1.4M

179.40%

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

$74.3 $74.3

$6.14 Rp 111.1K

1110.10%

Internet (50+ Mbps, Unlimited Data)

$66.1 $66.1

$18.92 Rp 341.9K

249.21%

Gym Membership (Monthly)

$39.46 $39.46

$51.0 Rp 921.7K

-22.61%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.8K

Cinema Ticket

$15.24 $15.24

$4.38 Rp 79.2K

247.95%

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

$1,732 $1,732

$492 Rp 8.9M

251.71%

International Primary School, 1 Child (Yearly)

$20.5K $20.5K

$12.2K Rp 220.9M

67.71%

Jeans (Levis 501 Or Similar)

$49.05 $49.05

$45.16 Rp 816.3K

8.61%

Summer Dress (H&M, Zara, etc)

$58.5 $58.5

$34.89 Rp 630.6K

67.64%

Sport Shoes (Adidas, Nike)

$88.2 $88.2

$78.3 Rp 1.4M

12.63%

Men's Leather Business Shoes

$148 $148

$77.9 Rp 1.4M

90.11%

1-bedroom Apartment, City Center (Monthly)

$1,588 $1,588

$1,078 Rp 19.5M

47.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,292 $1,292

$665 Rp 12.0M

94.34%

3-bedroom Apartment, City Center (Monthly)

$2,544 $2,544

$3,510 Rp 63.4M

-27.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,107 $2,107

$1,671 Rp 30.2M

26.08%

Buy Apartment in City Center (m2)

$2,751 $2,751

$2,340 Rp 42.3M

17.56%

Buy Apartment Outside City Center (m2)

$2,351 $2,351

$2,236 Rp 40.4M

5.12%

Average Monthly Net Salary (After Tax)

$6,945 $6,945

$166 Rp 3.0M

4075.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.72

13.78

-51.23%

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

Last update for Oyster Bay, NY: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Oyster Bay, NY

$1.3K 46.3%

Ubud, Bali

$665 50% 48.5% $627

Groceries & Markets

Oyster Bay, NY

$447 16%

Ubud, Bali

$279 21% 37.5% $168

Eating Out

Oyster Bay, NY

$379 13.6%

Ubud, Bali

$106 8% 72.1% $273

Monthly Utilities & Internet

Oyster Bay, NY

$357 12.8%

Ubud, Bali

$103 7.7% 71.3% $254

Clothing & Footwear

Oyster Bay, NY

$155 5.6%

Ubud, Bali

$106 8% 31.3% $48

Getting Around

Oyster Bay, NY

$89 3.2%

Ubud, Bali

$12 0.9% 86.6% $77

Sport & Entertainment

Oyster Bay, NY

$70 2.5%

Ubud, Bali

$60 4.5% 14.5% $10

Cost Breakdown

A one-bedroom apartment in the center runs $1,588 in Oyster Bay, NY and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays about 42 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $101 in Oyster Bay, NY vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $447 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Oyster Bay, NY

🇮🇩 Ubud, Bali

🕒 Local time

09:30 9:30 AM

22:30 10:30 PM

13 h ahead of Oyster Bay, NY

🌤 Weather

👥 Population

301,332

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.53 USD

100,000 IDR = 4.92 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 November 5, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,075 IDR (100,000 IDR = 5.53 USD). 1 EUR = 20,311 IDR (100,000 IDR = 4.92 EUR).

IDR to USD in detail →

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Oyster Bay, NY Ubud, Bali 16,320 km ≈ 21 h nonstop flight

From you

Oyster Bay, 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

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

Ubud, Bali is about 52% cheaper overall, especially in eating out, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Oyster Bay, NY is about 42 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: $1,588 in Oyster Bay, NY versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,789 per month in Oyster Bay, NY versus $1,331 in Ubud, Bali – Ubud, Bali is about 52% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 88% less than in Oyster Bay, NY. The price difference matters if you commute daily and watch your budget.

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, Oyster Bay, NY and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 52% less than in Oyster Bay, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.