Last update: Oct 2026

Cost of Living Comparison Between Ramsey, NJ and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,676 in Ramsey, NJ, rent and utilities included – about $15,900 less a year. Rent and utilities account for about half of the difference.

124

Cost of Living Index in Ramsey, NJ
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Ramsey, NJ Living Index
65

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

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Ramsey, NJ

🇺🇸 United States

$2,676

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $2,676 per month in Ramsey, NJ vs $1,349 in Ubud, Bali, rent included.

Ramsey, NJ $2,676
Ubud, Bali $1,349

A couple spends around $3,957 per month in Ramsey, NJ vs $2,305 in Ubud, Bali, rent included.

Ramsey, NJ $3,957
Ubud, Bali $2,305

A family of three spends $5,238 per month in Ramsey, NJ vs $3,261 in Ubud, Bali, rent included.

Ramsey, NJ $5,238
Ubud, Bali $3,261

Ramsey, NJ costs about 98% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$20.27 $20.27

$3.32 Rp 60.4K

510.54%

Three-Course Dinner for Two, Mid-Range

$103 $103

$35.64 Rp 648.1K

189.25%

Fast Food Meal (McDonalds, etc)

$12.23 $12.23

$5.53 Rp 100.6K

121.16%

Cappuccino

$5.63 $5.63

$2.72 Rp 49.4K

106.99%

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

$2.52 $2.52

$1.70 Rp 30.9K

48.24%

Water (0.33 liter bottle)

$2.31 $2.31

$0.76 Rp 13.8K

203.95%

Local Beer (0.5 liter draught)

$8.23 $8.23

$2.65 Rp 48.3K

210.57%

Imported Beer (0.33 liter bottle)

$8.75 $8.75

$4.38 Rp 79.7K

99.77%

Milk (1 liter)

$1.18 $1.18

$1.49 Rp 27.1K

-20.81%

White Bread (500g)

$3.63 $3.63

$2.28 Rp 41.4K

59.21%

Rice (white) (1kg)

$7.27 $7.27

$1.19 Rp 21.6K

510.92%

Eggs

$2.94 $2.94

$2.04 Rp 37.0K

44.12%

Local Cheese (1kg)

$15.60 $15.60

$17.70 Rp 321.9K

-11.86%

Chicken Fillets (1kg)

$16.85 $16.85

$3.96 Rp 72.1K

325.51%

Beef Round Steak (1kg)

$16.41 $16.41

$12.19 Rp 221.7K

34.62%

Apples (1kg)

$4.94 $4.94

$3.66 Rp 66.5K

34.97%

Banana (1kg)

$2.18 $2.18

$1.52 Rp 27.6K

43.42%

Oranges (1kg)

$5.33 $5.33

$2.23 Rp 40.5K

139.01%

Tomato (1kg)

$6.02 $6.02

$1.97 Rp 35.9K

205.58%

Potato (1kg)

$4.05 $4.05

$1.85 Rp 33.6K

118.92%

Onion (1kg)

$4.84 $4.84

$2.42 Rp 44.1K

100.00%

Lettuce (1 head)

$2.51 $2.51

$0.99 Rp 18.0K

153.54%

Water (1.5 liter bottle)

$2.43 $2.43

$0.51 Rp 9,336

376.47%

Cigarettes 20 Pack (Marlboro, Camel)

$12.18 $12.18

$2.22 Rp 40.4K

448.65%

Wine (Bottle)

$14.71 $14.71

$22.24 Rp 404.4K

-33.86%

Local Beer (0.5 liter bottle)

$2.79 $2.79

$2.26 Rp 41.1K

23.45%

Imported Beer (0.33 liter bottle)

$3.26 $3.26

$2.97 Rp 54.0K

9.76%

One-way Ticket (Public Transport)

$2.14 $2.14

$0.25 Rp 4,564

756.00%

Public Transport Monthly Pass (Regular Price)

$68.1 $68.1

$7.82 Rp 142.3K

770.59%

Taxi Start (Normal Tariff)

$3.02 $3.02

$0.44 Rp 7,992

586.36%

Taxi (Normal Tariff) (1km)

$2.19 $2.19

$0.43 Rp 7,821

409.30%

Taxi 1hour Waiting (Normal Tariff)

$41.53 $41.53

$5.41 Rp 98.4K

667.65%

Gasoline (1 liter)

$1.11 $1.11

$0.82 Rp 15.0K

35.37%

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

$30.5K $30.5K

$23.8K Rp 433.5M

27.86%

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

$25.8K $25.8K

$31.7K Rp 577.3M

-18.65%

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

$121 $121

$79.1 Rp 1.4M

53.07%

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

$60.6 $60.6

$6.45 Rp 117.2K

839.22%

Internet (50+ Mbps, Unlimited Data)

$59.5 $59.5

$18.58 Rp 337.8K

220.02%

Gym Membership (Monthly)

$40.38 $40.38

$49.48 Rp 899.8K

-18.39%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

Cinema Ticket

$15.96 $15.96

$4.27 Rp 77.7K

273.77%

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

$3,073 $3,073

$491 Rp 8.9M

526.38%

International Primary School, 1 Child (Yearly)

$34.8K $34.8K

$5,674 Rp 103.2M

512.55%

Jeans (Levis 501 Or Similar)

$20.18 $20.18

$44.64 Rp 811.7K

-54.79%

Summer Dress (H&M, Zara, etc)

$75.2 $75.2

$34.95 Rp 635.6K

115.28%

Sport Shoes (Adidas, Nike)

$30.39 $30.39

$79.9 Rp 1.5M

-61.96%

Men's Leather Business Shoes

$101 $101

$79.4 Rp 1.4M

27.79%

1-bedroom Apartment, City Center (Monthly)

$3,311 $3,311

$1,125 Rp 20.5M

194.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,356 $1,356

$671 Rp 12.2M

101.88%

3-bedroom Apartment, City Center (Monthly)

$2,722 $2,722

$3,565 Rp 64.8M

-23.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,103 $2,103

$1,723 Rp 31.3M

22.03%

Buy Apartment in City Center (m2)

$2,651 $2,651

$2,732 Rp 49.7M

-2.94%

Buy Apartment Outside City Center (m2)

$2,370 $2,370

$2,284 Rp 41.5M

3.75%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

13.78

-51.60%

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

Last update for Ramsey, NJ: 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

Ramsey, NJ

$1.4K 50.7%

Ubud, Bali

$672 49.8% 50.5% $684

Groceries & Markets

Ramsey, NJ

$469 17.5%

Ubud, Bali

$288 21.4% 38.5% $181

Eating Out

Ramsey, NJ

$344 12.9%

Ubud, Bali

$108 8% 68.7% $237

Monthly Utilities & Internet

Ramsey, NJ

$241 9%

Ubud, Bali

$104 7.7% 56.8% $137

Clothing & Footwear

Ramsey, NJ

$102 3.8%

Ubud, Bali

$108 8% 5.1% $5.2

Getting Around

Ramsey, NJ

$91 3.4%

Ubud, Bali

$11 0.9% 87.4% $79

Sport & Entertainment

Ramsey, NJ

$72 2.7%

Ubud, Bali

$58 4.3% 19.7% $14

Cost Breakdown

A central one-bedroom costs $3,311 in Ramsey, NJ versus $1,125 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $103 in Ramsey, NJ versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $469 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Ramsey, NJ

🇮🇩 Ubud, Bali

🕒 Local time

00:28 12:28 AM

12:28 12:28 PM

12 h ahead of Ramsey, NJ

🌤 Weather

👥 Population

27,646

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.898 EUR

100,000 IDR = 5.5 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 October 29, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Ramsey, NJ Ubud, Bali 16,280 km ≈ 21 h nonstop flight

From you

Ramsey, NJ
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

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

Ramsey, NJ costs about 98% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,013 per month in Ramsey, NJ and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,125 there versus $3,311 in Ramsey, NJ.

Monthly expenses with rent come to $2,676 in Ramsey, NJ and $1,349 in Ubud, Bali. That makes Ubud, Bali about 50% cheaper.

Public transport costs about 89% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $2,676 in Ramsey, NJ and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

For expats, Ubud, Bali is the easier option financially – housing and daily costs are lower, and overall it costs about 50% less, which matters a lot on a fixed budget or early-career salary.