Cost of Living Comparison Between Papamoa Beach and Ubud, Bali Cost of Living Comparison Between Papamoa Beach and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,976 in Papamoa Beach versus $1,379 in Ubud, Bali.

Estimated couple costs with rent: $3,003 in Papamoa Beach versus $2,363 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,030 in Papamoa Beach versus $3,347 in Ubud, Bali.

Living in Papamoa Beach is roughly 43% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Papamoa Beach 44% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$14.27 NZ$23.97

$3.31 Rp 58.9K

331.12%

Three-Course Dinner for Two, Mid-Range

$70.6 NZ$119

$39.08 Rp 694.5K

80.73%

Fast Food Meal (McDonalds, etc)

$10.01 NZ$16.81

$5.62 Rp 99.8K

78.11%

Cappuccino

$3.49 NZ$5.86

$2.64 Rp 46.9K

32.20%

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

$2.10 NZ$3.53

$1.58 Rp 28.2K

32.91%

Water (0.33 liter bottle)

$2.04 NZ$3.43

$0.71 Rp 12.6K

187.32%

Local Beer (0.5 liter draught)

$7.40 NZ$12.43

$2.73 Rp 48.5K

171.06%

Imported Beer (0.33 liter bottle)

$7.48 NZ$12.56

$4.32 Rp 76.8K

73.15%

Milk (1 liter)

$1.82 NZ$3.05

$1.54 Rp 27.4K

18.18%

White Bread (500g)

$1.04 NZ$1.75

$2.30 Rp 40.8K

-54.78%

Rice (white) (1kg)

$1.92 NZ$3.23

$1.03 Rp 18.3K

86.41%

Eggs

$6.32 NZ$10.62

$2.12 Rp 37.7K

198.11%

Local Cheese (1kg)

$9.07 NZ$15.23

$17.30 Rp 307.5K

-47.57%

Chicken Fillets (1kg)

$10.09 NZ$16.95

$4.03 Rp 71.6K

150.37%

Beef Round Steak (1kg)

$16.94 NZ$28.45

$12.42 Rp 220.8K

36.39%

Apples (1kg)

$2.93 NZ$4.92

$3.70 Rp 65.7K

-20.81%

Banana (1kg)

$2.09 NZ$3.50

$1.62 Rp 28.7K

29.01%

Oranges (1kg)

$3.14 NZ$5.28

$2.27 Rp 40.3K

38.33%

Tomato (1kg)

$5.53 NZ$9.28

$1.99 Rp 35.4K

177.89%

Potato (1kg)

$2.15 NZ$3.60

$1.83 Rp 32.5K

17.49%

Onion (1kg)

$1.71 NZ$2.87

$2.25 Rp 40.1K

-24.00%

Lettuce (1 head)

$2.02 NZ$3.38

$1.04 Rp 18.6K

94.23%

Water (1.5 liter bottle)

$1.15 NZ$1.93

$0.56 Rp 10.0K

105.36%

Cigarettes 20 Pack (Marlboro, Camel)

$28.31 NZ$47.55

$2.22 Rp 39.5K

1175.23%

Wine (Bottle)

$10.31 NZ$17.32

$23.22 Rp 412.7K

-55.60%

Local Beer (0.5 liter bottle)

$2.84 NZ$4.77

$2.39 Rp 42.5K

18.83%

Imported Beer (0.33 liter bottle)

$3.48 NZ$5.84

$2.87 Rp 51.1K

21.25%

One-way Ticket (Public Transport)

$1.56 NZ$2.61

$0.25 Rp 4,416

524.00%

Public Transport Monthly Pass (Regular Price)

$93.0 NZ$156

$7.17 Rp 127.4K

1197.35%

Taxi Start (Normal Tariff)

$2.31 NZ$3.88

$0.46 Rp 8,163

402.17%

Taxi (Normal Tariff) (1km)

$2.03 NZ$3.41

$0.46 Rp 8,235

341.30%

Taxi 1hour Waiting (Normal Tariff)

$34.02 NZ$57.1

$5.70 Rp 101.2K

496.84%

Gasoline (1 liter)

$1.64 NZ$2.75

$0.76 Rp 13.6K

115.79%

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

$27.0K NZ$45.4K

$24.6K Rp 436.7M

9.97%

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

$23.3K NZ$39.1K

$31.0K Rp 551.5M

-24.86%

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

$192 NZ$323

$82.2 Rp 1.5M

134.09%

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

$28.56 NZ$47.96

$6.33 Rp 112.5K

351.18%

Internet (50+ Mbps, Unlimited Data)

$53.8 NZ$90.4

$18.54 Rp 329.6K

190.29%

Gym Membership (Monthly)

$39.54 NZ$66.4

$56.1 Rp 996.2K

-29.46%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$13.72 NZ$23.04

$4.26 Rp 75.8K

222.07%

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

$1,160 NZ$1,949

$489 Rp 8.7M

137.16%

International Primary School, 1 Child (Yearly)

$21.0K NZ$35.2K

$5,793 Rp 103.0M

261.74%

Jeans (Levis 501 Or Similar)

$61.4 NZ$103

$45.98 Rp 817.3K

33.58%

Summer Dress (H&M, Zara, etc)

$44.25 NZ$74.3

$35.86 Rp 637.4K

23.40%

Sport Shoes (Adidas, Nike)

$85.3 NZ$143

$79.5 Rp 1.4M

7.21%

Men's Leather Business Shoes

$117 NZ$197

$80.9 Rp 1.4M

44.83%

1-bedroom Apartment, City Center (Monthly)

$960 NZ$1,612

$1,144 Rp 20.3M

-16.10%

1-bedroom Apartment, Outside City Center (Monthly)

$900 NZ$1,512

$692 Rp 12.3M

30.13%

3-bedroom Apartment, City Center (Monthly)

$1,450 NZ$2,435

$3,532 Rp 62.8M

-58.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,451 NZ$2,437

$1,709 Rp 30.4M

-15.08%

Buy Apartment in City Center (m2)

$5,057 NZ$8,492

$2,785 Rp 49.5M

81.60%

Buy Apartment Outside City Center (m2)

$3,363 NZ$5,648

$2,261 Rp 40.2M

48.74%

Average Monthly Net Salary (After Tax)

$1,633 NZ$2,742

$169 Rp 3.0M

864.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

13.78

-61.32%

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

Last update for Papamoa Beach: August 17, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $960 in Papamoa Beach and $1,144 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Papamoa Beach pays 864% 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: $71.0 in Papamoa Beach vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $331 vs $293 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

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

Papamoa Beach and Ubud, Bali differ by about 43% in total monthly costs ($1,976 vs $1,379 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 864% higher in Papamoa Beach, 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: $960 in Papamoa Beach versus $1,144 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,160 in Papamoa Beach versus $489 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 13% higher in Papamoa Beach. For households that cook at home regularly, that difference adds up over a month.

At $1,379 in Ubud, Bali versus $1,976 in Papamoa Beach, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Papamoa Beach. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, Papamoa Beach 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 43% less than in Papamoa Beach. Beyond cost, consider language, visa policies, and how big the international community is in each city.