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: $2,006 in Papamoa Beach versus $1,348 in Ubud, Bali.

Estimated couple costs with rent: $3,029 in Papamoa Beach versus $2,312 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,052 in Papamoa Beach versus $3,276 in Ubud, Bali.

Living in Papamoa Beach is roughly 49% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Papamoa Beach 50% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$14.29 NZ$25.41

$3.33 Rp 59.7K

329.13%

Three-Course Dinner for Two, Mid-Range

$69.1 NZ$123

$35.42 Rp 634.2K

94.95%

Fast Food Meal (McDonalds, etc)

$9.67 NZ$17.18

$5.76 Rp 103.1K

67.88%

Cappuccino

$3.41 NZ$6.06

$2.63 Rp 47.1K

29.66%

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

$2.04 NZ$3.64

$1.74 Rp 31.1K

17.24%

Water (0.33 liter bottle)

$1.78 NZ$3.17

$0.77 Rp 13.8K

131.17%

Local Beer (0.5 liter draught)

$7.12 NZ$12.65

$2.71 Rp 48.4K

162.73%

Imported Beer (0.33 liter bottle)

$6.83 NZ$12.15

$4.52 Rp 80.9K

51.11%

Milk (1 liter)

$1.74 NZ$3.09

$1.53 Rp 27.5K

13.73%

White Bread (500g)

$1.00 NZ$1.79

$2.20 Rp 39.3K

-54.55%

Rice (white) (1kg)

$1.92 NZ$3.42

$1.22 Rp 21.8K

57.38%

Eggs

$6.40 NZ$11.38

$2.14 Rp 38.3K

199.07%

Local Cheese (1kg)

$8.44 NZ$15.00

$17.73 Rp 317.5K

-52.40%

Chicken Fillets (1kg)

$9.86 NZ$17.53

$3.86 Rp 69.0K

155.44%

Beef Round Steak (1kg)

$17.25 NZ$30.66

$12.03 Rp 215.3K

43.39%

Apples (1kg)

$2.94 NZ$5.22

$3.61 Rp 64.6K

-18.56%

Banana (1kg)

$2.05 NZ$3.64

$1.51 Rp 27.1K

35.76%

Oranges (1kg)

$2.92 NZ$5.19

$2.32 Rp 41.5K

25.86%

Tomato (1kg)

$5.40 NZ$9.60

$2.00 Rp 35.9K

170.00%

Potato (1kg)

$2.13 NZ$3.79

$1.81 Rp 32.4K

17.68%

Onion (1kg)

$1.59 NZ$2.83

$2.39 Rp 42.7K

-33.47%

Lettuce (1 head)

$1.95 NZ$3.46

$0.99 Rp 17.8K

96.97%

Water (1.5 liter bottle)

$1.12 NZ$2.00

$0.52 Rp 9,389

115.38%

Cigarettes 20 Pack (Marlboro, Camel)

$26.96 NZ$47.93

$2.18 Rp 39.1K

1136.70%

Wine (Bottle)

$10.24 NZ$18.20

$22.98 Rp 411.4K

-55.44%

Local Beer (0.5 liter bottle)

$2.85 NZ$5.07

$2.40 Rp 42.9K

18.75%

Imported Beer (0.33 liter bottle)

$3.39 NZ$6.02

$3.00 Rp 53.7K

13.00%

One-way Ticket (Public Transport)

$1.69 NZ$3.00

$0.24 Rp 4,262

604.17%

Public Transport Monthly Pass (Regular Price)

$83.1 NZ$148

$6.99 Rp 125.2K

1088.13%

Taxi Start (Normal Tariff)

$2.33 NZ$4.14

$0.44 Rp 7,889

429.55%

Taxi (Normal Tariff) (1km)

$1.96 NZ$3.49

$0.42 Rp 7,595

366.67%

Taxi 1hour Waiting (Normal Tariff)

$32.05 NZ$57.0

$5.45 Rp 97.6K

488.07%

Gasoline (1 liter)

$1.63 NZ$2.90

$0.84 Rp 15.1K

94.05%

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

$26.0K NZ$46.2K

$24.3K Rp 435.6M

6.77%

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

$22.0K NZ$39.0K

$31.9K Rp 571.0M

-31.14%

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

$183 NZ$326

$80.8 Rp 1.4M

126.67%

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

$27.28 NZ$48.49

$6.58 Rp 117.8K

314.59%

Internet (50+ Mbps, Unlimited Data)

$50.2 NZ$89.2

$18.24 Rp 326.6K

175.11%

Gym Membership (Monthly)

$39.78 NZ$70.7

$55.1 Rp 987.1K

-27.84%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.5K

Cinema Ticket

$13.21 NZ$23.48

$4.24 Rp 76.0K

211.56%

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

$1,129 NZ$2,007

$486 Rp 8.7M

132.38%

International Primary School, 1 Child (Yearly)

$19.9K NZ$35.4K

$5,676 Rp 101.6M

250.44%

Jeans (Levis 501 Or Similar)

$59.8 NZ$106

$45.18 Rp 809.0K

32.29%

Summer Dress (H&M, Zara, etc)

$41.31 NZ$73.4

$34.57 Rp 619.0K

19.50%

Sport Shoes (Adidas, Nike)

$81.2 NZ$144

$79.2 Rp 1.4M

2.62%

Men's Leather Business Shoes

$110 NZ$196

$77.6 Rp 1.4M

41.66%

1-bedroom Apartment, City Center (Monthly)

$1,000 NZ$1,779

$1,127 Rp 20.2M

-11.20%

1-bedroom Apartment, Outside City Center (Monthly)

$826 NZ$1,469

$674 Rp 12.1M

22.56%

3-bedroom Apartment, City Center (Monthly)

$1,625 NZ$2,890

$3,618 Rp 64.8M

-55.08%

3-bedroom Apartment, Outside City Center (Monthly)

$1,448 NZ$2,574

$1,735 Rp 31.1M

-16.54%

Buy Apartment in City Center (m2)

$4,781 NZ$8,501

$2,829 Rp 50.7M

69.02%

Buy Apartment Outside City Center (m2)

$3,303 NZ$5,873

$2,307 Rp 41.3M

43.21%

Average Monthly Net Salary (After Tax)

$1,606 NZ$2,856

$166 Rp 3.0M

869.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.4

13.78

-60.81%

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

Last update for Papamoa Beach: October 6, 2026

Last update for Ubud, Bali: October 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,000 in Papamoa Beach and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Papamoa Beach pays 870% 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: $69.0 in Papamoa Beach vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $325 vs $290 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 49% in total monthly costs ($2,006 vs $1,348 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 870% 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: $1,000 in Papamoa Beach versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,129 in Papamoa Beach versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 12% higher in Papamoa Beach. For households that cook at home regularly, that difference adds up over a month.

At $1,348 in Ubud, Bali versus $2,006 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 49% less than in Papamoa Beach. Beyond cost, consider language, visa policies, and how big the international community is in each city.