Last update: Oct 2026

Cost of Living Comparison Between Rivas and Ubud, Bali

For one person, living is cheaper in Rivas: $895 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,400 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

43

Cost of Living Index in Rivas
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Rivas Living Index
65

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

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Rivas

🇳🇮 Nicaragua

$895

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $895 in Rivas versus $1,349 in Ubud, Bali.

Rivas $895
Ubud, Bali $1,349

Estimated couple costs with rent: $1,658 in Rivas versus $2,305 in Ubud, Bali.

Rivas $1,658
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,421 in Rivas versus $3,261 in Ubud, Bali.

Rivas $2,421
Ubud, Bali $3,261

Living in Rivas costs roughly 34% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.89 NIO 143

$3.32 Rp 60.3K

17.17%

Three-Course Dinner for Two, Mid-Range

$28.15 NIO 1,031

$35.64 Rp 647.3K

-21.02%

Fast Food Meal (McDonalds, etc)

$7.81 NIO 286

$5.53 Rp 100.5K

41.23%

Cappuccino

$1.22 NIO 44.61

$2.72 Rp 49.4K

-55.15%

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

$0.86 NIO 31.37

$1.70 Rp 30.9K

-49.41%

Water (0.33 liter bottle)

$0.69 NIO 25.30

$0.76 Rp 13.8K

-9.21%

Local Beer (0.5 liter draught)

$1.52 NIO 55.5

$2.65 Rp 48.2K

-42.64%

Imported Beer (0.33 liter bottle)

$2.20 NIO 80.6

$4.38 Rp 79.6K

-49.77%

Milk (1 liter)

$1.22 NIO 44.53

$1.49 Rp 27.1K

-18.12%

White Bread (500g)

$2.36 NIO 86.4

$2.28 Rp 41.3K

3.51%

Rice (white) (1kg)

$1.82 NIO 66.8

$1.19 Rp 21.6K

52.94%

Eggs

$2.40 NIO 87.8

$2.04 Rp 37.0K

17.65%

Local Cheese (1kg)

$11.49 NIO 421

$17.70 Rp 321.5K

-35.08%

Chicken Fillets (1kg)

$6.25 NIO 229

$3.96 Rp 72.0K

57.83%

Beef Round Steak (1kg)

$7.72 NIO 283

$12.19 Rp 221.4K

-36.67%

Apples (1kg)

$4.09 NIO 150

$3.66 Rp 66.4K

11.75%

Banana (1kg)

$0.58 NIO 21.23

$1.52 Rp 27.6K

-61.84%

Oranges (1kg)

$1.75 NIO 64.1

$2.23 Rp 40.5K

-21.52%

Tomato (1kg)

$2.53 NIO 92.6

$1.97 Rp 35.8K

28.43%

Potato (1kg)

$3.96 NIO 145

$1.85 Rp 33.6K

114.05%

Onion (1kg)

$2.24 NIO 81.9

$2.42 Rp 44.0K

-7.44%

Lettuce (1 head)

$1.04 NIO 38.27

$0.99 Rp 18.0K

5.05%

Water (1.5 liter bottle)

$1.02 NIO 37.19

$0.51 Rp 9,324

100.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.71 NIO 99.4

$2.22 Rp 40.4K

22.07%

Wine (Bottle)

$14.52 NIO 532

$22.24 Rp 403.9K

-34.71%

Local Beer (0.5 liter bottle)

$1.47 NIO 53.8

$2.26 Rp 41.0K

-34.96%

Imported Beer (0.33 liter bottle)

$2.16 NIO 79.1

$2.97 Rp 53.9K

-27.27%

One-way Ticket (Public Transport)

$0.25 Rp 4,559

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.1K

Taxi Start (Normal Tariff)

$1.61 NIO 59.1

$0.44 Rp 7,982

265.91%

Taxi (Normal Tariff) (1km)

$1.65 NIO 60.5

$0.43 Rp 7,811

283.72%

Taxi 1hour Waiting (Normal Tariff)

$6.71 NIO 246

$5.41 Rp 98.2K

24.03%

Gasoline (1 liter)

$1.32 NIO 48.19

$0.82 Rp 15.0K

60.98%

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

$23.2K NIO 848.3K

$23.8K Rp 433.0M

-2.85%

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

$26.2K NIO 960.8K

$31.7K Rp 576.6M

-17.37%

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

$149 NIO 5,453

$79.1 Rp 1.4M

88.31%

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

$19.68 NIO 721

$6.45 Rp 117.1K

205.12%

Internet (50+ Mbps, Unlimited Data)

$32.29 NIO 1,183

$18.58 Rp 337.4K

73.79%

Gym Membership (Monthly)

$20.32 NIO 744

$49.48 Rp 898.7K

-58.93%

Tennis Court (1 Hour on Weekend)

$7.14 NIO 261

$17.65 Rp 320.5K

-59.55%

Cinema Ticket

$9.25 NIO 339

$4.27 Rp 77.6K

116.63%

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

$240 NIO 8,792

$491 Rp 8.9M

-51.06%

International Primary School, 1 Child (Yearly)

$6,066 NIO 222.2K

$5,674 Rp 103.0M

6.92%

Jeans (Levis 501 Or Similar)

$60.2 NIO 2,206

$44.64 Rp 810.7K

34.95%

Summer Dress (H&M, Zara, etc)

$64.5 NIO 2,361

$34.95 Rp 634.8K

84.43%

Sport Shoes (Adidas, Nike)

$122 NIO 4,476

$79.9 Rp 1.5M

52.95%

Men's Leather Business Shoes

$143 NIO 5,250

$79.4 Rp 1.4M

80.48%

1-bedroom Apartment, City Center (Monthly)

$150 NIO 5,508

$1,125 Rp 20.4M

-86.63%

1-bedroom Apartment, Outside City Center (Monthly)

$124 NIO 4,539

$671 Rp 12.2M

-81.54%

3-bedroom Apartment, City Center (Monthly)

$744 NIO 27.2K

$3,565 Rp 64.7M

-79.14%

3-bedroom Apartment, Outside City Center (Monthly)

$811 NIO 29.7K

$1,723 Rp 31.3M

-52.95%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

Average Monthly Net Salary (After Tax)

$497 NIO 18.2K

$164 Rp 3.0M

203.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

11.92

13.78

-13.50%

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

Last update for Rivas: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Rivas

$259 28.9%

Ubud, Bali

$288 21.4% 11.6% $30

Monthly Utilities & Internet

Rivas

$201 22.4%

Ubud, Bali

$104 7.7% 48.2% $97

Clothing & Footwear

Rivas

$176 19.6%

Ubud, Bali

$108 8% 38.8% $68

Accommodation & Living

Rivas

$124 13.9%

Ubud, Bali

$672 49.8% 442% $548

Eating Out

Rivas

$87 9.8%

Ubud, Bali

$108 8% 23.3% $20

Sport & Entertainment

Rivas

$39 4.3%

Ubud, Bali

$58 4.3% 49.5% $19

Getting Around

Rivas

$9.9 * 1.1%

Ubud, Bali

$11 0.9% 15.6% $1.5

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 $150 in Rivas and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Rivas pays about 3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $28 in Rivas vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $259 vs $288 per month, with Rivas cheaper across the board.

Good to know

🇳🇮 Rivas

🇮🇩 Ubud, Bali

🕒 Local time

22:28 10:28 PM

12:28 12:28 PM

14 h ahead of Rivas

🌤 Weather

👥 Population

53,208

74,800

💱 Currency

Nicaraguan Córdoba NIO C$

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NIO = 2.73 USD

100 NIO = 2.44 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

Exchange rates and currency converter

IDR, USD, EUR to NIO – Nicaraguan Córdoba Converter

🇺🇸 United States Dollar ($)

🇳🇮 Nicaraguan Córdoba (C$)

Nicaraguan Córdoba exchange rates as of November 3, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 41.05 NIO (100 NIO = 2.44 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,355 IDR (100,000 IDR = 4.91 EUR).

USD to NIO in detail →

On the map

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Highest

Between locations

Rivas Ubud, Bali 17,700 km ≈ 23 h nonstop flight

From you

Rivas
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

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

Rivas wins on cost – living expenses run 34% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Rivas the obvious pick if budget is a priority.

Average pay in Rivas is about 3 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: $150 in Rivas versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 12% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $895 per month in Rivas versus $1,349 in Ubud, Bali – Rivas is about 34% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $800. Rivas is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Rivas and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.