Last update: Oct 2026

Cost of Living Comparison Between Penshurst, NSW and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,478 in Penshurst, NSW, rent and utilities included – about $13,500 less a year. Rent and utilities account for most of the difference.

120

Cost of Living Index in Penshurst, NSW
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Penshurst, NSW Living Index
66

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

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Penshurst, NSW

🇦🇺 Australia

$2,478

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,478 in Penshurst, NSW versus $1,353 in Ubud, Bali.

Penshurst, NSW $2,478
Ubud, Bali $1,353

Estimated couple costs with rent: $3,587 in Penshurst, NSW versus $2,297 in Ubud, Bali.

Penshurst, NSW $3,587
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $4,696 in Penshurst, NSW versus $3,241 in Ubud, Bali.

Penshurst, NSW $4,696
Ubud, Bali $3,241

Living in Penshurst, NSW is roughly 83% 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: Penshurst, NSW 83% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$17.72 A$25.50

$3.23 Rp 58.1K

448.61%

Three-Course Dinner for Two, Mid-Range

$84.1 A$121

$34.88 Rp 627.8K

141.14%

Fast Food Meal (McDonalds, etc)

$10.31 A$14.84

$5.70 Rp 102.5K

80.88%

Cappuccino

$4.08 A$5.87

$2.62 Rp 47.1K

55.73%

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

$2.89 A$4.16

$1.72 Rp 31.0K

68.02%

Water (0.33 liter bottle)

$2.24 A$3.22

$0.81 Rp 14.6K

176.54%

Local Beer (0.5 liter draught)

$7.80 A$11.23

$2.65 Rp 47.7K

194.34%

Imported Beer (0.33 liter bottle)

$7.43 A$10.70

$4.37 Rp 78.6K

70.02%

Milk (1 liter)

$1.56 A$2.25

$1.57 Rp 28.3K

-0.64%

White Bread (500g)

$2.63 A$3.79

$2.19 Rp 39.5K

20.09%

Rice (white) (1kg)

$2.22 A$3.19

$1.18 Rp 21.2K

88.14%

Eggs

$4.96 A$7.14

$2.16 Rp 38.8K

129.63%

Local Cheese (1kg)

$9.02 A$12.99

$17.65 Rp 317.7K

-48.90%

Chicken Fillets (1kg)

$9.17 A$13.20

$3.78 Rp 68.0K

142.59%

Beef Round Steak (1kg)

$14.85 A$21.37

$11.95 Rp 215.1K

24.27%

Apples (1kg)

$3.85 A$5.53

$3.60 Rp 64.8K

6.94%

Banana (1kg)

$2.98 A$4.29

$1.59 Rp 28.6K

87.42%

Oranges (1kg)

$3.27 A$4.71

$2.31 Rp 41.6K

41.56%

Tomato (1kg)

$4.53 A$6.52

$1.91 Rp 34.3K

137.17%

Potato (1kg)

$2.73 A$3.93

$1.78 Rp 32.1K

53.37%

Onion (1kg)

$2.40 A$3.46

$2.33 Rp 41.9K

3.00%

Lettuce (1 head)

$2.36 A$3.39

$1.00 Rp 18.0K

136.00%

Water (1.5 liter bottle)

$1.55 A$2.22

$0.53 Rp 9,509

192.45%

Cigarettes 20 Pack (Marlboro, Camel)

$41.48 A$59.7

$2.29 Rp 41.1K

1711.35%

Wine (Bottle)

$14.09 A$20.28

$22.07 Rp 397.3K

-36.16%

Local Beer (0.5 liter bottle)

$4.78 A$6.87

$2.35 Rp 42.2K

103.40%

Imported Beer (0.33 liter bottle)

$5.13 A$7.38

$2.98 Rp 53.6K

72.15%

One-way Ticket (Public Transport)

$2.82 A$4.06

$0.23 Rp 4,112

1126.09%

Public Transport Monthly Pass (Regular Price)

$81.9 A$118

$8.90 Rp 160.2K

820.56%

Taxi Start (Normal Tariff)

$3.42 A$4.92

$0.47 Rp 8,466

627.66%

Taxi (Normal Tariff) (1km)

$1.58 A$2.27

$0.43 Rp 7,737

267.44%

Taxi 1hour Waiting (Normal Tariff)

$39.61 A$57.0

$5.47 Rp 98.4K

624.13%

Gasoline (1 liter)

$1.35 A$1.95

$0.83 Rp 14.9K

62.65%

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

$27.1K A$39.0K

$23.9K Rp 429.8M

13.37%

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

$29.2K A$42.1K

$32.8K Rp 590.1M

-10.85%

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

$204 A$293

$80.0 Rp 1.4M

154.54%

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

$27.94 A$40.20

$6.56 Rp 118.1K

325.91%

Internet (50+ Mbps, Unlimited Data)

$56.4 A$81.2

$18.60 Rp 334.8K

203.39%

Gym Membership (Monthly)

$55.3 A$79.6

$54.1 Rp 974.1K

2.14%

Tennis Court (1 Hour on Weekend)

$17.31 A$24.91

$18.28 Rp 329.0K

-5.31%

Cinema Ticket

$14.86 A$21.39

$4.25 Rp 76.5K

249.65%

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

$2,170 A$3,123

$493 Rp 8.9M

340.52%

International Primary School, 1 Child (Yearly)

$20.0K A$28.8K

$5,597 Rp 100.7M

256.97%

Jeans (Levis 501 Or Similar)

$77.5 A$112

$45.58 Rp 820.4K

70.10%

Summer Dress (H&M, Zara, etc)

$53.1 A$76.4

$34.96 Rp 629.4K

51.92%

Sport Shoes (Adidas, Nike)

$106 A$153

$77.7 Rp 1.4M

36.54%

Men's Leather Business Shoes

$120 A$173

$78.5 Rp 1.4M

53.34%

1-bedroom Apartment, City Center (Monthly)

$1,365 A$1,964

$1,131 Rp 20.4M

20.64%

1-bedroom Apartment, Outside City Center (Monthly)

$1,179 A$1,697

$673 Rp 12.1M

75.29%

3-bedroom Apartment, City Center (Monthly)

$2,117 A$3,047

$3,613 Rp 65.0M

-41.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,782 A$2,565

$1,702 Rp 30.6M

4.74%

Buy Apartment in City Center (m2)

$5,918 A$8,517

$2,717 Rp 48.9M

117.80%

Buy Apartment Outside City Center (m2)

$4,848 A$6,977

$2,241 Rp 40.3M

116.33%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

13.78

-57.62%

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

Last update for Penshurst, NSW: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Penshurst, NSW

$1.2K 47.6%

Ubud, Bali

$673 49.7% 42.9% $507

Groceries & Markets

Penshurst, NSW

$364 14.7%

Ubud, Bali

$287 21.2% 21.2% $77

Eating Out

Penshurst, NSW

$296 12%

Ubud, Bali

$106 7.9% 64.1% $190

Monthly Utilities & Internet

Penshurst, NSW

$288 11.6%

Ubud, Bali

$105 7.8% 63.5% $183

Clothing & Footwear

Penshurst, NSW

$161 6.5%

Ubud, Bali

$107 7.9% 33.7% $54

Getting Around

Penshurst, NSW

$105 4.2%

Ubud, Bali

$12 0.9% 88.1% $92

Sport & Entertainment

Penshurst, NSW

$85 3.4%

Ubud, Bali

$63 4.6% 26.3% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,365 in Penshurst, NSW and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $84.0 in Penshurst, NSW vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $364 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Penshurst, NSW

🇮🇩 Ubud, Bali

🕒 Local time

21:52 9:52 PM

18:52 6:52 PM

3 h behind Penshurst, NSW

🌤 Weather

👥 Population

12,673

74,800

💱 Currency

Australian Dollar AUD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 20, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Indonesian Rupiah exchange rates as of October 20, 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 AUD in detail →

On the map

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Between locations

Penshurst, NSW Ubud, Bali 4,630 km ≈ 6 h nonstop flight

From you

Penshurst, NSW
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 83% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $3,717 in Penshurst, NSW and $2,030 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,365 in Penshurst, NSW versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,478 per month in Penshurst, NSW versus $1,353 in Ubud, Bali – a 83% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 821% less than in Penshurst, NSW. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,353 in Ubud, Bali versus $2,478 in Penshurst, NSW, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Penshurst, NSW. 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 Penshurst, NSW, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Penshurst, NSW 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 83% less than in Penshurst, NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.