Last update: Oct 2026

Cost of Living Comparison Between Safety Harbor, FL and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,624 in Safety Harbor, FL, rent and utilities included – about $15,300 less a year. Rent and utilities account for most of the difference.

128

Cost of Living Index in Safety Harbor, FL
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Safety Harbor, FL Living Index
65

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

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Safety Harbor, FL

🇺🇸 United States

$2,624

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $2,624 per month in Safety Harbor, FL vs $1,349 in Ubud, Bali, rent included.

Safety Harbor, FL $2,624
Ubud, Bali $1,349

A couple spends around $3,855 per month in Safety Harbor, FL vs $2,305 in Ubud, Bali, rent included.

Safety Harbor, FL $3,855
Ubud, Bali $2,305

A family of three spends $5,086 per month in Safety Harbor, FL vs $3,261 in Ubud, Bali, rent included.

Safety Harbor, FL $5,086
Ubud, Bali $3,261

Safety Harbor, FL costs about 95% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$19.63 $19.63

$3.32 Rp 60.3K

491.27%

Three-Course Dinner for Two, Mid-Range

$76.3 $76.3

$35.64 Rp 646.5K

114.03%

Fast Food Meal (McDonalds, etc)

$11.79 $11.79

$5.53 Rp 100.4K

113.20%

Cappuccino

$5.63 $5.63

$2.72 Rp 49.3K

106.99%

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

$2.54 $2.54

$1.70 Rp 30.9K

49.41%

Water (0.33 liter bottle)

$1.88 $1.88

$0.76 Rp 13.8K

147.37%

Local Beer (0.5 liter draught)

$5.83 $5.83

$2.65 Rp 48.1K

120.00%

Imported Beer (0.33 liter bottle)

$7.45 $7.45

$4.38 Rp 79.5K

70.09%

Milk (1 liter)

$1.12 $1.12

$1.49 Rp 27.0K

-24.83%

White Bread (500g)

$3.28 $3.28

$2.28 Rp 41.3K

43.86%

Rice (white) (1kg)

$3.50 $3.50

$1.19 Rp 21.6K

194.12%

Eggs

$3.53 $3.53

$2.04 Rp 36.9K

73.04%

Local Cheese (1kg)

$12.36 $12.36

$17.70 Rp 321.1K

-30.17%

Chicken Fillets (1kg)

$11.09 $11.09

$3.96 Rp 71.9K

180.05%

Beef Round Steak (1kg)

$19.04 $19.04

$12.19 Rp 221.1K

56.19%

Apples (1kg)

$5.37 $5.37

$3.66 Rp 66.3K

46.72%

Banana (1kg)

$1.77 $1.77

$1.52 Rp 27.5K

16.45%

Oranges (1kg)

$3.42 $3.42

$2.23 Rp 40.4K

53.36%

Tomato (1kg)

$3.13 $3.13

$1.97 Rp 35.8K

58.88%

Potato (1kg)

$1.82 $1.82

$1.85 Rp 33.5K

-1.62%

Onion (1kg)

$2.94 $2.94

$2.42 Rp 44.0K

21.49%

Lettuce (1 head)

$2.44 $2.44

$0.99 Rp 18.0K

146.46%

Water (1.5 liter bottle)

$2.16 $2.16

$0.51 Rp 9,313

323.53%

Cigarettes 20 Pack (Marlboro, Camel)

$9.53 $9.53

$2.22 Rp 40.3K

329.28%

Wine (Bottle)

$13.25 $13.25

$22.24 Rp 403.4K

-40.42%

Local Beer (0.5 liter bottle)

$1.73 $1.73

$2.26 Rp 41.0K

-23.45%

Imported Beer (0.33 liter bottle)

$5.13 $5.13

$2.97 Rp 53.9K

72.73%

One-way Ticket (Public Transport)

$2.24 $2.24

$0.25 Rp 4,553

796.00%

Public Transport Monthly Pass (Regular Price)

$51.1 $51.1

$7.82 Rp 141.9K

553.20%

Taxi Start (Normal Tariff)

$2.46 $2.46

$0.44 Rp 7,972

459.09%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$0.43 Rp 7,801

255.81%

Taxi 1hour Waiting (Normal Tariff)

$19.76 $19.76

$5.41 Rp 98.1K

265.25%

Gasoline (1 liter)

$1.01 $1.01

$0.82 Rp 15.0K

23.17%

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

$31.8K $31.8K

$23.8K Rp 432.4M

33.27%

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

$27.1K $27.1K

$31.7K Rp 575.9M

-14.75%

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

$233 $233

$79.1 Rp 1.4M

194.46%

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

$72.4 $72.4

$6.45 Rp 116.9K

1022.95%

Internet (50+ Mbps, Unlimited Data)

$74.3 $74.3

$18.58 Rp 337.0K

300.05%

Gym Membership (Monthly)

$40.15 $40.15

$49.48 Rp 897.5K

-18.86%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$15.77 $15.77

$4.27 Rp 77.5K

269.32%

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

$1,020 $1,020

$491 Rp 8.9M

107.91%

International Primary School, 1 Child (Yearly)

$18.1K $18.1K

$5,674 Rp 102.9M

219.34%

Jeans (Levis 501 Or Similar)

$37.13 $37.13

$44.64 Rp 809.7K

-16.82%

Summer Dress (H&M, Zara, etc)

$42.85 $42.85

$34.95 Rp 634.0K

22.60%

Sport Shoes (Adidas, Nike)

$87.9 $87.9

$79.9 Rp 1.4M

10.03%

Men's Leather Business Shoes

$136 $136

$79.4 Rp 1.4M

71.61%

1-bedroom Apartment, City Center (Monthly)

$1,682 $1,682

$1,125 Rp 20.4M

49.56%

1-bedroom Apartment, Outside City Center (Monthly)

$1,263 $1,263

$671 Rp 12.2M

88.07%

3-bedroom Apartment, City Center (Monthly)

$2,347 $2,347

$3,565 Rp 64.7M

-34.15%

3-bedroom Apartment, Outside City Center (Monthly)

$2,133 $2,133

$1,723 Rp 31.3M

23.76%

Buy Apartment in City Center (m2)

$2,525 $2,525

$2,732 Rp 49.5M

-7.57%

Buy Apartment Outside City Center (m2)

$2,184 $2,184

$2,284 Rp 41.4M

-4.39%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.5

13.78

-52.83%

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

Last update for Safety Harbor, FL: 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

Safety Harbor, FL

$1.3K 48.1%

Ubud, Bali

$672 49.8% 46.8% $591

Groceries & Markets

Safety Harbor, FL

$381 14.5%

Ubud, Bali

$288 21.4% 24.3% $92

Monthly Utilities & Internet

Safety Harbor, FL

$380 14.5%

Ubud, Bali

$104 7.7% 72.6% $275

Eating Out

Safety Harbor, FL

$322 12.3%

Ubud, Bali

$108 8% 66.5% $214

Clothing & Footwear

Safety Harbor, FL

$137 5.2%

Ubud, Bali

$108 8% 21.5% $29

Sport & Entertainment

Safety Harbor, FL

$72 2.7%

Ubud, Bali

$58 4.3% 19.1% $14

Getting Around

Safety Harbor, FL

$70 2.7%

Ubud, Bali

$11 0.9% 83.7% $59

Cost Breakdown

A central one-bedroom costs $1,682 in Safety Harbor, FL 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 $76 in Safety Harbor, FL versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $381 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Safety Harbor, FL

🇮🇩 Ubud, Bali

🕒 Local time

00:05 12:05 AM

13:05 1:05 PM

13 h ahead of Safety Harbor, FL

🌤 Weather

👥 Population

17,363

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.896 EUR

100,000 IDR = 5.51 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 = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Safety Harbor, FL Ubud, Bali 17,140 km ≈ 22 h nonstop flight

From you

Safety Harbor, FL
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

Safety Harbor, FL vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Safety Harbor, FL costs about 95% 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 $3,936 per month in Safety Harbor, FL 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 $1,682 in Safety Harbor, FL.

Kindergarten costs $1,020 per month in Safety Harbor, FL and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 32% more in Safety Harbor, FL, though the gap depends on what you buy.

$1,000 is a stretch for both – monthly costs hit $2,624 in Safety Harbor, FL 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.

For expats, Ubud, Bali is the easier option financially – housing and daily costs are lower, and overall it costs about 49% less, which matters a lot on a fixed budget or early-career salary.