Last update: Oct 2026

Cost of Living Comparison Between Saginaw, MI and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,932 in Saginaw, MI, rent and utilities included – about $7,200 less a year. Other living expenses account for most of the difference.

93

Cost of Living Index in Saginaw, MI
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Saginaw, MI Living Index
64

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

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Saginaw, MI

🇺🇸 United States

$1,932

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,932 in Saginaw, MI versus $1,331 in Ubud, Bali.

Saginaw, MI $1,932
Ubud, Bali $1,331

Estimated couple costs with rent: $3,135 in Saginaw, MI versus $2,255 in Ubud, Bali.

Saginaw, MI $3,135
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $4,338 in Saginaw, MI versus $3,180 in Ubud, Bali.

Saginaw, MI $4,338
Ubud, Bali $3,180

Living in Saginaw, MI is roughly 45% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Saginaw, MI is 43% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$20.28 $20.28

$3.38 Rp 61.2K

500.00%

Three-Course Dinner for Two, Mid-Range

$64.4 $64.4

$34.65 Rp 628.6K

85.71%

Fast Food Meal (McDonalds, etc)

$10.19 $10.19

$5.57 Rp 101.1K

82.94%

Cappuccino

$5.49 $5.49

$2.62 Rp 47.5K

109.54%

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

$2.17 $2.17

$1.54 Rp 27.9K

40.91%

Water (0.33 liter bottle)

$1.53 $1.53

$0.64 Rp 11.6K

139.06%

Local Beer (0.5 liter draught)

$5.01 $5.01

$2.67 Rp 48.4K

87.64%

Imported Beer (0.33 liter bottle)

$4.89 $4.89

$4.26 Rp 77.3K

14.79%

Milk (1 liter)

$0.96 $0.96

$1.46 Rp 26.5K

-34.25%

White Bread (500g)

$3.38 $3.38

$2.29 Rp 41.6K

47.60%

Rice (white) (1kg)

$4.00 $4.00

$1.11 Rp 20.1K

260.36%

Eggs

$3.15 $3.15

$2.10 Rp 38.1K

50.00%

Local Cheese (1kg)

$11.27 $11.27

$15.94 Rp 289.2K

-29.30%

Chicken Fillets (1kg)

$9.92 $9.92

$3.88 Rp 70.4K

155.67%

Beef Round Steak (1kg)

$16.03 $16.03

$11.40 Rp 206.8K

40.61%

Apples (1kg)

$3.25 $3.25

$3.55 Rp 64.4K

-8.45%

Banana (1kg)

$1.50 $1.50

$1.54 Rp 27.9K

-2.60%

Oranges (1kg)

$4.54 $4.54

$2.23 Rp 40.5K

103.59%

Tomato (1kg)

$3.67 $3.67

$1.97 Rp 35.8K

86.29%

Potato (1kg)

$2.63 $2.63

$1.86 Rp 33.7K

41.40%

Onion (1kg)

$2.03 $2.03

$2.42 Rp 43.9K

-16.12%

Lettuce (1 head)

$2.53 $2.53

$1.02 Rp 18.6K

148.04%

Water (1.5 liter bottle)

$2.27 $2.27

$0.52 Rp 9,475

336.54%

Cigarettes 20 Pack (Marlboro, Camel)

$9.75 $9.75

$2.20 Rp 39.9K

343.18%

Wine (Bottle)

$13.57 $13.57

$21.79 Rp 395.2K

-37.72%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.33 Rp 42.2K

-13.30%

Imported Beer (0.33 liter bottle)

$3.07 $3.07

$2.97 Rp 53.9K

3.37%

One-way Ticket (Public Transport)

$1.54 $1.54

$0.25 Rp 4,542

516.00%

Public Transport Monthly Pass (Regular Price)

$40.25 $40.25

$8.17 Rp 148.3K

392.66%

Taxi Start (Normal Tariff)

$2.56 $2.56

$0.44 Rp 7,941

481.82%

Taxi (Normal Tariff) (1km)

$2.43 $2.43

$0.47 Rp 8,489

417.02%

Taxi 1hour Waiting (Normal Tariff)

$39.56 $39.56

$5.60 Rp 101.6K

606.43%

Gasoline (1 liter)

$1.02 $1.02

$0.83 Rp 15.0K

22.89%

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

$31.2K $31.2K

$24.4K Rp 443.5M

27.63%

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

$25.8K $25.8K

$31.7K Rp 575.0M

-18.61%

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

$176 $176

$77.5 Rp 1.4M

127.76%

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

$25.10 $25.10

$6.14 Rp 111.5K

308.79%

Internet (50+ Mbps, Unlimited Data)

$39.67 $39.67

$18.92 Rp 343.1K

109.67%

Gym Membership (Monthly)

$51.0 Rp 925.0K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

Cinema Ticket

$11.98 $11.98

$4.38 Rp 79.5K

173.52%

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

$1,689 $1,689

$492 Rp 8.9M

242.96%

International Primary School, 1 Child (Yearly)

$19.7K $19.7K

$12.2K Rp 221.7M

61.47%

Jeans (Levis 501 Or Similar)

$45.70 $45.70

$45.16 Rp 819.2K

1.20%

Summer Dress (H&M, Zara, etc)

$39.23 $39.23

$34.89 Rp 632.9K

12.44%

Sport Shoes (Adidas, Nike)

$73.0 $73.0

$78.3 Rp 1.4M

-6.82%

Men's Leather Business Shoes

$77.2 $77.2

$77.9 Rp 1.4M

-0.87%

1-bedroom Apartment, City Center (Monthly)

$825 $825

$1,078 Rp 19.5M

-23.45%

1-bedroom Apartment, Outside City Center (Monthly)

$833 $833

$665 Rp 12.1M

25.34%

3-bedroom Apartment, City Center (Monthly)

$1,310 $1,310

$3,510 Rp 63.7M

-62.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,901 $1,901

$1,671 Rp 30.3M

13.75%

Buy Apartment in City Center (m2)

$1,213 $1,213

$2,340 Rp 42.4M

-48.18%

Buy Apartment Outside City Center (m2)

$1,225 $1,225

$2,236 Rp 40.6M

-45.22%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

13.78

-52.76%

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

Last update for Saginaw, MI: October 31, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Saginaw, MI

$833 43.1%

Ubud, Bali

$665 50% 20.2% $168

Groceries & Markets

Saginaw, MI

$358 18.5%

Ubud, Bali

$279 21% 21.9% $79

Eating Out

Saginaw, MI

$308 16%

Ubud, Bali

$106 8% 65.7% $203

Monthly Utilities & Internet

Saginaw, MI

$241 12.5%

Ubud, Bali

$103 7.7% 57.5% $139

Clothing & Footwear

Saginaw, MI

$106 5.5%

Ubud, Bali

$106 8% 0.5% $0.5

Getting Around

Saginaw, MI

$61 3.2%

Ubud, Bali

$12 0.9% 80.4% $49

Sport & Entertainment

Saginaw, MI

$24 * 1.2%

Ubud, Bali

$60 4.5% 149% $36

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 $825 in Saginaw, MI and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $64 in Saginaw, MI vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $358 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Saginaw, MI

🇮🇩 Ubud, Bali

🕒 Local time

04:55 4:55 AM

17:55 5:55 PM

13 h ahead of Saginaw, MI

🌤 Weather

👥 Population

44,202

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 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 5, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,384 IDR (100,000 IDR = 4.91 EUR).

IDR to USD in detail →

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Saginaw, MI Ubud, Bali 15,710 km ≈ 20 h nonstop flight

From you

Saginaw, MI
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

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

Total monthly costs including rent come to $1,932 in Saginaw, MI and $1,331 in Ubud, Bali, so Ubud, Bali is about 31% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $2,898 in Saginaw, MI and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $825 in Saginaw, MI versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 28% higher in Saginaw, MI. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $64 in Saginaw, MI. 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.