Last update: Oct 2026

Cost of Living Comparison Between Pembroke and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,374 in Pembroke, rent and utilities included – about $12,300 less a year. The total is higher in Pembroke despite lower rent and utilities.

115

Cost of Living Index in Pembroke
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Pembroke Living Index
66

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

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Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,374 in Pembroke versus $1,353 in Ubud, Bali.

Pembroke $2,374
Ubud, Bali $1,353

Estimated couple costs with rent: $3,871 in Pembroke versus $2,297 in Ubud, Bali.

Pembroke $3,871
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $5,368 in Pembroke versus $3,241 in Ubud, Bali.

Pembroke $5,368
Ubud, Bali $3,241

Living in Pembroke is roughly 75% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Pembroke 75% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$49.04 BMD 49.04

$3.23 Rp 58.1K

1418.27%

Three-Course Dinner for Two, Mid-Range

$152 BMD 152

$34.88 Rp 627.8K

335.98%

Fast Food Meal (McDonalds, etc)

$16.78 BMD 16.78

$5.70 Rp 102.5K

194.39%

Cappuccino

$4.38 BMD 4.38

$2.62 Rp 47.1K

67.18%

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

$3.02 BMD 3.02

$1.72 Rp 31.0K

75.58%

Water (0.33 liter bottle)

$3.05 BMD 3.05

$0.81 Rp 14.6K

276.54%

Local Beer (0.5 liter draught)

$7.63 BMD 7.63

$2.65 Rp 47.7K

187.92%

Imported Beer (0.33 liter bottle)

$8.86 BMD 8.86

$4.37 Rp 78.6K

102.75%

Milk (1 liter)

$4.80 BMD 4.80

$1.57 Rp 28.3K

205.73%

White Bread (500g)

$8.14 BMD 8.14

$2.19 Rp 39.5K

271.69%

Rice (white) (1kg)

$5.40 BMD 5.40

$1.18 Rp 21.2K

357.63%

Eggs

$7.07 BMD 7.07

$2.16 Rp 38.8K

227.31%

Local Cheese (1kg)

$23.42 BMD 23.42

$17.65 Rp 317.7K

32.69%

Chicken Fillets (1kg)

$21.37 BMD 21.37

$3.78 Rp 68.0K

465.34%

Beef Round Steak (1kg)

$19.80 BMD 19.80

$11.95 Rp 215.1K

65.69%

Apples (1kg)

$8.94 BMD 8.94

$3.60 Rp 64.8K

148.33%

Banana (1kg)

$6.75 BMD 6.75

$1.59 Rp 28.6K

324.53%

Oranges (1kg)

$7.25 BMD 7.25

$2.31 Rp 41.6K

213.85%

Tomato (1kg)

$8.46 BMD 8.46

$1.91 Rp 34.3K

342.93%

Potato (1kg)

$5.78 BMD 5.78

$1.78 Rp 32.1K

224.72%

Onion (1kg)

$4.05 BMD 4.05

$2.33 Rp 41.9K

73.82%

Lettuce (1 head)

$6.34 BMD 6.34

$1.00 Rp 18.0K

534.00%

Water (1.5 liter bottle)

$3.50 BMD 3.50

$0.53 Rp 9,509

560.38%

Cigarettes 20 Pack (Marlboro, Camel)

$17.99 BMD 17.99

$2.29 Rp 41.1K

685.59%

Wine (Bottle)

$24.37 BMD 24.37

$22.07 Rp 397.3K

10.42%

Local Beer (0.5 liter bottle)

$5.17 BMD 5.17

$2.35 Rp 42.2K

120.00%

Imported Beer (0.33 liter bottle)

$4.27 BMD 4.27

$2.98 Rp 53.6K

43.29%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$131 BMD 131

$8.90 Rp 160.2K

1375.39%

Taxi Start (Normal Tariff)

$6.37 BMD 6.37

$0.47 Rp 8,466

1255.32%

Taxi (Normal Tariff) (1km)

$2.54 BMD 2.54

$0.43 Rp 7,737

490.70%

Taxi 1hour Waiting (Normal Tariff)

$70.5 BMD 70.5

$5.47 Rp 98.4K

1187.93%

Gasoline (1 liter)

$2.42 BMD 2.42

$0.83 Rp 14.9K

191.57%

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

$37.3K BMD 37.3K

$23.9K Rp 429.8M

56.24%

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

$42.9K BMD 42.9K

$32.8K Rp 590.1M

30.75%

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

$291 BMD 291

$80.0 Rp 1.4M

263.37%

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

$150 BMD 150

$6.56 Rp 118.1K

2193.29%

Internet (50+ Mbps, Unlimited Data)

$160 BMD 160

$18.60 Rp 334.8K

761.51%

Gym Membership (Monthly)

$78.1 BMD 78.1

$54.1 Rp 974.1K

44.35%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$13.34 BMD 13.34

$4.25 Rp 76.5K

213.88%

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

$1,303 BMD 1,303

$493 Rp 8.9M

164.39%

International Primary School, 1 Child (Yearly)

$25.5K BMD 25.5K

$5,597 Rp 100.7M

355.57%

Jeans (Levis 501 Or Similar)

$91.5 BMD 91.5

$45.58 Rp 820.4K

100.72%

Summer Dress (H&M, Zara, etc)

$71.1 BMD 71.1

$34.96 Rp 629.4K

103.32%

Sport Shoes (Adidas, Nike)

$141 BMD 141

$77.7 Rp 1.4M

81.90%

Men's Leather Business Shoes

$127 BMD 127

$78.5 Rp 1.4M

61.70%

1-bedroom Apartment, City Center (Monthly)

$3,811 BMD 3,811

$1,131 Rp 20.4M

236.82%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$8,056 BMD 8,056

$166 Rp 3.0M

4741.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.63

13.78

-37.37%

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

Last update for Pembroke: October 20, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Pembroke

$748 31.5%

Ubud, Bali

$287 21.2% 61.6% $461

Monthly Utilities & Internet

Pembroke

$601 25.3%

Ubud, Bali

$105 7.8% 82.5% $496

Eating Out

Pembroke

$575 24.2%

Ubud, Bali

$106 7.9% 81.5% $469

Clothing & Footwear

Pembroke

$194 8.2%

Ubud, Bali

$107 7.9% 45.1% $87

Getting Around

Pembroke

$150 * 6.3%

Ubud, Bali

$12 0.9% 91.7% $138

Sport & Entertainment

Pembroke

$105 4.4%

Ubud, Bali

$63 4.6% 40.2% $42

Accommodation & Living

Pembroke

- * 0%

Ubud, Bali

$673 49.7%

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

Cost Breakdown

A one-bedroom apartment in the center runs $3,811 in Pembroke and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pembroke pays 4742% 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: $152 in Pembroke vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $748 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇧🇲 Pembroke

🇮🇩 Ubud, Bali

🕒 Local time

21:07 9:07 PM

08:07 8:07 AM

11 h ahead of Pembroke

🌤 Weather

👥 Population

11,160

74,800

💱 Currency

Bermudian Dollar BMD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BMD = 1 USD

1 BMD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to BMD – Bermudian Dollar Converter

🇺🇸 United States Dollar ($)

🇧🇲 Bermudian Dollar ($)

Bermudian Dollar exchange rates as of October 25, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 25, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to BMD in detail →

On the map

Lowest

Highest

Between locations

Pembroke Ubud, Bali 17,370 km ≈ 22 h nonstop flight

From you

Pembroke
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

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

Ubud, Bali wins on cost – living expenses run 75% lower than in Pembroke. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay runs 4742% higher in Pembroke, 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: $3,811 in Pembroke versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,303 in Pembroke versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 161% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,353 in Ubud, Bali versus $2,374 in Pembroke, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Pembroke. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,353 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Pembroke 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 75% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.