Last update: Oct 2026

Cost of Living Comparison Between Phoenix, AZ and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,815 in Phoenix, AZ, rent and utilities included – about $17,600 less a year. Rent and utilities account for most of the difference.

137

Cost of Living Index in Phoenix, AZ
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Phoenix, AZ Living Index
65

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

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Phoenix, AZ

🇺🇸 United States

$2,815

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,815 in Phoenix, AZ versus $1,349 in Ubud, Bali.

Phoenix, AZ $2,815
Ubud, Bali $1,349

Estimated couple costs with rent: $4,082 in Phoenix, AZ versus $2,305 in Ubud, Bali.

Phoenix, AZ $4,082
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,348 in Phoenix, AZ versus $3,261 in Ubud, Bali.

Phoenix, AZ $5,348
Ubud, Bali $3,261

Living in Phoenix, AZ is roughly 109% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$19.80 $19.80

$3.32 Rp 60.2K

496.39%

Three-Course Dinner for Two, Mid-Range

$86.5 $86.5

$35.64 Rp 645.8K

142.79%

Fast Food Meal (McDonalds, etc)

$14.23 $14.23

$5.53 Rp 100.3K

157.32%

Cappuccino

$6.07 $6.07

$2.72 Rp 49.3K

123.16%

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

$3.20 $3.20

$1.70 Rp 30.8K

88.24%

Water (0.33 liter bottle)

$2.45 $2.45

$0.76 Rp 13.8K

222.37%

Local Beer (0.5 liter draught)

$5.91 $5.91

$2.65 Rp 48.1K

123.02%

Imported Beer (0.33 liter bottle)

$7.85 $7.85

$4.38 Rp 79.4K

79.22%

Milk (1 liter)

$0.78 $0.78

$1.49 Rp 27.0K

-47.65%

White Bread (500g)

$3.95 $3.95

$2.28 Rp 41.2K

73.25%

Rice (white) (1kg)

$6.18 $6.18

$1.19 Rp 21.6K

419.33%

Eggs

$4.38 $4.38

$2.04 Rp 36.9K

114.71%

Local Cheese (1kg)

$14.01 $14.01

$17.70 Rp 320.8K

-20.85%

Chicken Fillets (1kg)

$12.89 $12.89

$3.96 Rp 71.8K

225.51%

Beef Round Steak (1kg)

$14.68 $14.68

$12.19 Rp 220.9K

20.43%

Apples (1kg)

$5.47 $5.47

$3.66 Rp 66.2K

49.45%

Banana (1kg)

$1.90 $1.90

$1.52 Rp 27.5K

25.00%

Oranges (1kg)

$4.27 $4.27

$2.23 Rp 40.4K

91.48%

Tomato (1kg)

$5.96 $5.96

$1.97 Rp 35.7K

202.54%

Potato (1kg)

$3.68 $3.68

$1.85 Rp 33.5K

98.92%

Onion (1kg)

$3.14 $3.14

$2.42 Rp 43.9K

29.75%

Lettuce (1 head)

$2.26 $2.26

$0.99 Rp 17.9K

128.28%

Water (1.5 liter bottle)

$2.66 $2.66

$0.51 Rp 9,303

421.57%

Cigarettes 20 Pack (Marlboro, Camel)

$11.17 $11.17

$2.22 Rp 40.3K

403.15%

Wine (Bottle)

$14.12 $14.12

$22.24 Rp 403.0K

-36.51%

Local Beer (0.5 liter bottle)

$2.40 $2.40

$2.26 Rp 41.0K

6.19%

Imported Beer (0.33 liter bottle)

$2.95 $2.95

$2.97 Rp 53.8K

-0.67%

One-way Ticket (Public Transport)

$1.97 $1.97

$0.25 Rp 4,548

688.00%

Public Transport Monthly Pass (Regular Price)

$62.7 $62.7

$7.82 Rp 141.8K

702.30%

Taxi Start (Normal Tariff)

$2.83 $2.83

$0.44 Rp 7,964

543.18%

Taxi (Normal Tariff) (1km)

$1.42 $1.42

$0.43 Rp 7,793

230.23%

Taxi 1hour Waiting (Normal Tariff)

$36.63 $36.63

$5.41 Rp 98.0K

577.08%

Gasoline (1 liter)

$1.19 $1.19

$0.82 Rp 14.9K

45.12%

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

$36.7K $36.7K

$23.8K Rp 432.0M

53.84%

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

$26.7K $26.7K

$31.7K Rp 575.3M

-15.91%

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

$233 $233

$79.1 Rp 1.4M

195.09%

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

$77.7 $77.7

$6.45 Rp 116.8K

1104.19%

Internet (50+ Mbps, Unlimited Data)

$75.3 $75.3

$18.58 Rp 336.7K

305.06%

Gym Membership (Monthly)

$56.5 $56.5

$49.48 Rp 896.7K

14.27%

Tennis Court (1 Hour on Weekend)

$19.46 $19.46

$17.65 Rp 319.8K

10.25%

Cinema Ticket

$13.71 $13.71

$4.27 Rp 77.4K

221.08%

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

$1,644 $1,644

$491 Rp 8.9M

235.15%

International Primary School, 1 Child (Yearly)

$23.2K $23.2K

$5,674 Rp 102.8M

308.28%

Jeans (Levis 501 Or Similar)

$60.2 $60.2

$44.64 Rp 808.9K

34.79%

Summer Dress (H&M, Zara, etc)

$46.42 $46.42

$34.95 Rp 633.4K

32.82%

Sport Shoes (Adidas, Nike)

$103 $103

$79.9 Rp 1.4M

29.50%

Men's Leather Business Shoes

$127 $127

$79.4 Rp 1.4M

60.49%

1-bedroom Apartment, City Center (Monthly)

$1,755 $1,755

$1,125 Rp 20.4M

56.02%

1-bedroom Apartment, Outside City Center (Monthly)

$1,341 $1,341

$671 Rp 12.2M

99.63%

3-bedroom Apartment, City Center (Monthly)

$3,082 $3,082

$3,565 Rp 64.6M

-13.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,097 $2,097

$1,723 Rp 31.2M

21.69%

Buy Apartment in City Center (m2)

$4,507 $4,507

$2,732 Rp 49.5M

65.01%

Buy Apartment Outside City Center (m2)

$2,990 $2,990

$2,284 Rp 41.4M

30.92%

Average Monthly Net Salary (After Tax)

$4,196 $4,196

$164 Rp 3.0M

2461.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

13.78

-51.89%

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

Last update for Phoenix, AZ: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Phoenix, AZ

$1.3K 47.6%

Ubud, Bali

$672 49.8% 49.9% $669

Groceries & Markets

Phoenix, AZ

$430 15.3%

Ubud, Bali

$288 21.4% 32.9% $142

Monthly Utilities & Internet

Phoenix, AZ

$386 13.7%

Ubud, Bali

$104 7.7% 73.1% $282

Eating Out

Phoenix, AZ

$342 12.1%

Ubud, Bali

$108 8% 68.5% $234

Clothing & Footwear

Phoenix, AZ

$152 5.4%

Ubud, Bali

$108 8% 29.2% $44

Sport & Entertainment

Phoenix, AZ

$84 3%

Ubud, Bali

$58 4.3% 30.9% $26

Getting Around

Phoenix, AZ

$81 2.9%

Ubud, Bali

$11 0.9% 85.8% $69

Cost Breakdown

A one-bedroom apartment in the center runs $1,755 in Phoenix, AZ and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Phoenix, AZ pays about 26 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $87 in Phoenix, AZ vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $430 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Phoenix, AZ

🇮🇩 Ubud, Bali

🕒 Local time

19:37 7:37 PM

10:37 10:37 AM

15 h ahead of Phoenix, AZ

🌤 Weather

👥 Population

1,608,139

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.896 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 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 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

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Phoenix, AZ Ubud, Bali 14,440 km ≈ 19 h nonstop flight

From you

Phoenix, AZ
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

Phoenix, AZ 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 Phoenix, AZ is about 26 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: $1,755 in Phoenix, AZ versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,815 per month in Phoenix, AZ versus $1,349 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 Phoenix, AZ. 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.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Phoenix, AZ, and the savings on those two alone free up budget for education, activities, and family trips.

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