Last update: Oct 2026

Cost of Living Comparison Between Richmond, KY and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,181 in Richmond, KY, rent and utilities included – about $10,000 less a year. Rent and utilities account for about half of the difference.

105

Cost of Living Index in Richmond, KY
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Richmond, KY Living Index
66

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

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Richmond, KY

🇺🇸 United States

$2,181

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,181 in Richmond, KY versus $1,348 in Ubud, Bali.

Richmond, KY $2,181
Ubud, Bali $1,348

Estimated couple costs with rent: $3,216 in Richmond, KY versus $2,312 in Ubud, Bali.

Richmond, KY $3,216
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,251 in Richmond, KY versus $3,276 in Ubud, Bali.

Richmond, KY $4,251
Ubud, Bali $3,276

Living in Richmond, KY is roughly 62% 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: Richmond, KY 63% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$9.93 $9.93

$3.33 Rp 59.6K

198.20%

Three-Course Dinner for Two, Mid-Range

$39.96 $39.96

$35.42 Rp 633.1K

12.82%

Fast Food Meal (McDonalds, etc)

$7.87 $7.87

$5.76 Rp 102.9K

36.63%

Cappuccino

$5.29 $5.29

$2.63 Rp 47.0K

101.14%

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

$2.79 $2.79

$1.74 Rp 31.0K

60.34%

Water (0.33 liter bottle)

$2.62 $2.62

$0.77 Rp 13.8K

240.26%

Local Beer (0.5 liter draught)

$6.69 $6.69

$2.71 Rp 48.4K

146.86%

Imported Beer (0.33 liter bottle)

$6.55 $6.55

$4.52 Rp 80.8K

44.91%

Milk (1 liter)

$1.09 $1.09

$1.53 Rp 27.4K

-28.76%

White Bread (500g)

$3.34 $3.34

$2.20 Rp 39.2K

51.82%

Rice (white) (1kg)

$4.74 $4.74

$1.22 Rp 21.8K

288.52%

Eggs

$4.42 $4.42

$2.14 Rp 38.2K

106.54%

Local Cheese (1kg)

$9.97 $9.97

$17.73 Rp 316.9K

-43.77%

Chicken Fillets (1kg)

$9.15 $9.15

$3.86 Rp 68.9K

137.05%

Beef Round Steak (1kg)

$14.99 $14.99

$12.03 Rp 215.0K

24.61%

Apples (1kg)

$7.05 $7.05

$3.61 Rp 64.5K

95.29%

Banana (1kg)

$1.47 $1.47

$1.51 Rp 27.1K

-2.65%

Oranges (1kg)

$2.85 $2.85

$2.32 Rp 41.4K

22.84%

Tomato (1kg)

$5.37 $5.37

$2.00 Rp 35.8K

168.50%

Potato (1kg)

$2.24 $2.24

$1.81 Rp 32.4K

23.76%

Onion (1kg)

$4.21 $4.21

$2.39 Rp 42.7K

76.15%

Lettuce (1 head)

$2.27 $2.27

$0.99 Rp 17.8K

129.29%

Water (1.5 liter bottle)

$2.27 $2.27

$0.52 Rp 9,373

336.54%

Cigarettes 20 Pack (Marlboro, Camel)

$9.79 $9.79

$2.18 Rp 39.0K

349.08%

Wine (Bottle)

$14.75 $14.75

$22.98 Rp 410.7K

-35.81%

Local Beer (0.5 liter bottle)

$2.00 $2.00

$2.40 Rp 42.8K

-16.67%

Imported Beer (0.33 liter bottle)

$3.09 $3.09

$3.00 Rp 53.6K

3.00%

One-way Ticket (Public Transport)

$0.98 $0.98

$0.24 Rp 4,255

308.33%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$4.91 $4.91

$0.44 Rp 7,876

1015.91%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$0.42 Rp 7,582

264.29%

Taxi 1hour Waiting (Normal Tariff)

$29.67 $29.67

$5.45 Rp 97.4K

444.40%

Gasoline (1 liter)

$0.94 $0.94

$0.84 Rp 15.1K

11.90%

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

$36.6K $36.6K

$24.3K Rp 434.8M

50.58%

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

$27.5K $27.5K

$31.9K Rp 570.0M

-13.89%

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

$221 $221

$80.8 Rp 1.4M

173.99%

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

$72.4 $72.4

$6.58 Rp 117.6K

1000.00%

Internet (50+ Mbps, Unlimited Data)

$53.0 $53.0

$18.24 Rp 326.1K

190.73%

Gym Membership (Monthly)

$35.36 $35.36

$55.1 Rp 985.4K

-35.86%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

Cinema Ticket

$13.87 $13.87

$4.24 Rp 75.9K

227.12%

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

$1,244 $1,244

$486 Rp 8.7M

156.22%

International Primary School, 1 Child (Yearly)

$23.9K $23.9K

$5,676 Rp 101.5M

320.75%

Jeans (Levis 501 Or Similar)

$49.97 $49.97

$45.18 Rp 807.6K

10.60%

Summer Dress (H&M, Zara, etc)

$43.86 $43.86

$34.57 Rp 617.9K

26.87%

Sport Shoes (Adidas, Nike)

$109 $109

$79.2 Rp 1.4M

37.55%

Men's Leather Business Shoes

$124 $124

$77.6 Rp 1.4M

60.06%

1-bedroom Apartment, City Center (Monthly)

$1,164 $1,164

$1,127 Rp 20.1M

3.30%

1-bedroom Apartment, Outside City Center (Monthly)

$980 $980

$674 Rp 12.1M

45.39%

3-bedroom Apartment, City Center (Monthly)

$2,046 $2,046

$3,618 Rp 64.7M

-43.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,777 $1,777

$1,735 Rp 31.0M

2.44%

Buy Apartment in City Center (m2)

$1,959 $1,959

$2,829 Rp 50.6M

-30.73%

Buy Apartment Outside City Center (m2)

$1,898 $1,898

$2,307 Rp 41.2M

-17.71%

Average Monthly Net Salary (After Tax)

$3,037 $3,037

$166 Rp 3.0M

1733.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.64

13.78

-51.81%

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

Last update for Richmond, KY: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Richmond, KY

$980 45.2%

Ubud, Bali

$674 49.6% 31.2% $306

Groceries & Markets

Richmond, KY

$381 17.6%

Ubud, Bali

$290 21.4% 23.8% $91

Monthly Utilities & Internet

Richmond, KY

$347 16%

Ubud, Bali

$106 7.8% 69.5% $241

Eating Out

Richmond, KY

$235 10.8%

Ubud, Bali

$108 8% 54% $127

Clothing & Footwear

Richmond, KY

$147 6.8%

Ubud, Bali

$106 7.8% 27.7% $41

Sport & Entertainment

Richmond, KY

$63 2.9%

Ubud, Bali

$64 4.7% 0.8% $0.5

Getting Around

Richmond, KY

$17 * 0.8%

Ubud, Bali

$11 0.8% 36.4% $6

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 $1,164 in Richmond, KY and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Richmond, KY pays 1733% 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: $40.00 in Richmond, KY vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $381 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Richmond, KY

🇮🇩 Ubud, Bali

🕒 Local time

22:13 10:13 PM

10:13 10:13 AM

12 h ahead of Richmond, KY

🌤 Weather

👥 Population

226,610

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 12, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

IDR to USD in detail →

On the map

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Between locations

Richmond, KY Ubud, Bali 16,220 km ≈ 21 h nonstop flight

From you

Richmond, KY
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

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

Richmond, KY and Ubud, Bali differ by about 62% in total monthly costs ($2,181 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 1733% higher in Richmond, KY, 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: $1,164 in Richmond, KY versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,244 in Richmond, KY versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $40.00 in Richmond, KY. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,348 in Ubud, Bali versus $2,181 in Richmond, KY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Richmond, KY. 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, Richmond, KY 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 62% less than in Richmond, KY. Beyond cost, consider language, visa policies, and how big the international community is in each city.