Last update: Oct 2026

Cost of Living Comparison Between Rybnik and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,394 in Rybnik, rent and utilities included – about $540 less a year. The total is higher in Rybnik despite lower rent and utilities.

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Cost of Living Index in Rybnik
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Rybnik Living Index
65

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

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Rybnik

🇵🇱 Poland

$1,394

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,394 in Rybnik versus $1,349 in Ubud, Bali.

Rybnik $1,394
Ubud, Bali $1,349

Estimated couple costs with rent: $2,045 in Rybnik versus $2,305 in Ubud, Bali.

Rybnik $2,045
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,697 in Rybnik versus $3,261 in Ubud, Bali.

Rybnik $2,697
Ubud, Bali $3,261

Living in Rybnik is roughly 3% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$10.21 zł 40.36

$3.32 Rp 60.3K

207.53%

Three-Course Dinner for Two, Mid-Range

$45.59 zł 180

$35.64 Rp 646.5K

27.92%

Fast Food Meal (McDonalds, etc)

$9.08 zł 35.88

$5.53 Rp 100.4K

64.20%

Cappuccino

$3.22 zł 12.73

$2.72 Rp 49.3K

18.38%

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

$1.85 zł 7.31

$1.70 Rp 30.9K

8.82%

Water (0.33 liter bottle)

$1.94 zł 7.66

$0.76 Rp 13.8K

155.26%

Local Beer (0.5 liter draught)

$3.80 zł 15.00

$2.65 Rp 48.1K

43.40%

Imported Beer (0.33 liter bottle)

$4.18 zł 16.51

$4.38 Rp 79.5K

-4.57%

Milk (1 liter)

$1.09 zł 4.30

$1.49 Rp 27.0K

-26.85%

White Bread (500g)

$1.97 zł 7.78

$2.28 Rp 41.3K

-13.60%

Rice (white) (1kg)

$2.13 zł 8.41

$1.19 Rp 21.6K

78.99%

Eggs

$4.13 zł 16.34

$2.04 Rp 36.9K

102.45%

Local Cheese (1kg)

$8.21 zł 32.45

$17.70 Rp 321.1K

-53.62%

Chicken Fillets (1kg)

$8.46 zł 33.43

$3.96 Rp 71.9K

113.64%

Beef Round Steak (1kg)

$15.21 zł 60.1

$12.19 Rp 221.1K

24.77%

Apples (1kg)

$1.26 zł 4.97

$3.66 Rp 66.3K

-65.57%

Banana (1kg)

$1.82 zł 7.21

$1.52 Rp 27.5K

19.74%

Oranges (1kg)

$1.80 zł 7.13

$2.23 Rp 40.4K

-19.28%

Tomato (1kg)

$3.78 zł 14.94

$1.97 Rp 35.8K

91.88%

Potato (1kg)

$1.04 zł 4.10

$1.85 Rp 33.5K

-43.78%

Onion (1kg)

$1.05 zł 4.13

$2.42 Rp 44.0K

-56.61%

Lettuce (1 head)

$1.54 zł 6.08

$0.99 Rp 18.0K

55.56%

Water (1.5 liter bottle)

$0.72 zł 2.84

$0.51 Rp 9,313

41.18%

Cigarettes 20 Pack (Marlboro, Camel)

$6.21 zł 24.56

$2.22 Rp 40.3K

179.73%

Wine (Bottle)

$6.24 zł 24.66

$22.24 Rp 403.4K

-71.94%

Local Beer (0.5 liter bottle)

$1.14 zł 4.49

$2.26 Rp 41.0K

-49.56%

Imported Beer (0.33 liter bottle)

$1.50 zł 5.94

$2.97 Rp 53.9K

-49.49%

One-way Ticket (Public Transport)

$1.28 zł 5.07

$0.25 Rp 4,553

412.00%

Public Transport Monthly Pass (Regular Price)

$21.36 zł 84.4

$7.82 Rp 141.9K

173.15%

Taxi Start (Normal Tariff)

$2.24 zł 8.84

$0.44 Rp 7,972

409.09%

Taxi (Normal Tariff) (1km)

$0.91 zł 3.62

$0.43 Rp 7,801

111.63%

Taxi 1hour Waiting (Normal Tariff)

$12.72 zł 50.3

$5.41 Rp 98.1K

135.12%

Gasoline (1 liter)

$1.72 zł 6.80

$0.82 Rp 15.0K

109.76%

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

$31.0K zł 122.7K

$23.8K Rp 432.4M

30.23%

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

$29.1K zł 115.2K

$31.7K Rp 575.9M

-8.24%

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

$242 zł 957

$79.1 Rp 1.4M

206.37%

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

$9.43 zł 37.29

$6.45 Rp 116.9K

46.20%

Internet (50+ Mbps, Unlimited Data)

$19.94 zł 78.8

$18.58 Rp 337.0K

7.32%

Gym Membership (Monthly)

$39.26 zł 155

$49.48 Rp 897.5K

-20.65%

Tennis Court (1 Hour on Weekend)

$16.31 zł 64.5

$17.65 Rp 320.1K

-7.59%

Cinema Ticket

$5.43 zł 21.45

$4.27 Rp 77.5K

27.17%

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

$577 zł 2,280

$491 Rp 8.9M

17.61%

International Primary School, 1 Child (Yearly)

$14.1K zł 55.9K

$5,674 Rp 102.9M

149.24%

Jeans (Levis 501 Or Similar)

$93.0 zł 368

$44.64 Rp 809.7K

108.38%

Summer Dress (H&M, Zara, etc)

$42.93 zł 170

$34.95 Rp 634.0K

22.83%

Sport Shoes (Adidas, Nike)

$78.4 zł 310

$79.9 Rp 1.4M

-1.91%

Men's Leather Business Shoes

$113 zł 447

$79.4 Rp 1.4M

42.43%

1-bedroom Apartment, City Center (Monthly)

$557 zł 2,202

$1,125 Rp 20.4M

-50.48%

1-bedroom Apartment, Outside City Center (Monthly)

$449 zł 1,773

$671 Rp 12.2M

-33.21%

3-bedroom Apartment, City Center (Monthly)

$850 zł 3,359

$3,565 Rp 64.7M

-76.16%

3-bedroom Apartment, Outside City Center (Monthly)

$702 zł 2,774

$1,723 Rp 31.3M

-59.28%

Buy Apartment in City Center (m2)

$1,733 zł 6,852

$2,732 Rp 49.5M

-36.54%

Buy Apartment Outside City Center (m2)

$1,498 zł 5,922

$2,284 Rp 41.4M

-34.41%

Average Monthly Net Salary (After Tax)

$1,309 zł 5,174

$164 Rp 3.0M

698.95%

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 Rybnik: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Rybnik

$449 32.2%

Ubud, Bali

$672 49.8% 49.7% $223

Monthly Utilities & Internet

Rybnik

$272 19.5%

Ubud, Bali

$104 7.7% 61.7% $168

Groceries & Markets

Rybnik

$253 18.1%

Ubud, Bali

$288 21.4% 14.2% $36

Eating Out

Rybnik

$190 13.6%

Ubud, Bali

$108 8% 43.3% $82

Clothing & Footwear

Rybnik

$147 10.6%

Ubud, Bali

$108 8% 27% $40

Sport & Entertainment

Rybnik

$50 3.6%

Ubud, Bali

$58 4.3% 15.8% $7.9

Getting Around

Rybnik

$33 2.4%

Ubud, Bali

$11 0.9% 65.7% $22

Cost Breakdown

A one-bedroom apartment in the center runs $557 in Rybnik and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Rybnik pays about 8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $46 in Rybnik vs $36 in Ubud, Bali. Groceries flip the comparison at $253 vs $288, with Rybnik cheaper for home cooking.

Good to know

🇵🇱 Rybnik

🇮🇩 Ubud, Bali

🕒 Local time

09:12 9:12 AM

16:12 4:12 PM

7 h ahead of Rybnik

🌤 Weather

👥 Population

142,510

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of November 2, 2026: 1 USD = 3.95 PLN (1 PLN = 0.253 USD). 1 EUR = 4.41 PLN (1 PLN = 0.227 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Rybnik Ubud, Bali 11,210 km ≈ 15 h nonstop flight

From you

Rybnik
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

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

Ubud, Bali wins on cost – living expenses run 3% lower than in Rybnik. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Rybnik is about 8 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: $557 in Rybnik versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Rybnik pay roughly 12% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $46 in Rybnik. If you eat out regularly, this makes a real dent in your monthly spending.

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.

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

It comes down to priorities – Ubud, Bali wins on affordability, Rybnik on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.