Last update: Oct 2026

Cost of Living Comparison Between Saint Andrews and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,255 in Saint Andrews, rent and utilities included – about $10,900 less a year. Rent and utilities account for about half of the difference.

109

Cost of Living Index in Saint Andrews
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Saint Andrews Living Index
66

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

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Saint Andrews

🇨🇦 Canada

$2,255

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

A single person spends $2,255 per month in Saint Andrews vs $1,348 in Ubud, Bali, rent included.

Saint Andrews $2,255
Ubud, Bali $1,348

A couple spends around $3,245 per month in Saint Andrews vs $2,312 in Ubud, Bali, rent included.

Saint Andrews $3,245
Ubud, Bali $2,312

A family of three spends $4,234 per month in Saint Andrews vs $3,276 in Ubud, Bali, rent included.

Saint Andrews $4,234
Ubud, Bali $3,276

Saint Andrews costs about 67% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Saint Andrews and Ubud, Bali sit above the global median – Saint Andrews by 68%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$17.75 CA$25.30

$3.33 Rp 59.6K

433.03%

Three-Course Dinner for Two, Mid-Range

$63.8 CA$91.0

$35.42 Rp 633.1K

80.15%

Fast Food Meal (McDonalds, etc)

$10.59 CA$15.10

$5.76 Rp 102.9K

83.85%

Cappuccino

$3.72 CA$5.30

$2.63 Rp 47.0K

41.44%

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

$1.99 CA$2.83

$1.74 Rp 31.0K

14.37%

Water (0.33 liter bottle)

$1.58 CA$2.25

$0.77 Rp 13.8K

105.19%

Local Beer (0.5 liter draught)

$5.17 CA$7.38

$2.71 Rp 48.4K

90.77%

Imported Beer (0.33 liter bottle)

$5.77 CA$8.22

$4.52 Rp 80.8K

27.65%

Milk (1 liter)

$2.04 CA$2.91

$1.53 Rp 27.4K

33.33%

White Bread (500g)

$2.46 CA$3.51

$2.20 Rp 39.2K

11.82%

Rice (white) (1kg)

$3.36 CA$4.79

$1.22 Rp 21.8K

175.41%

Eggs

$3.47 CA$4.94

$2.14 Rp 38.2K

62.15%

Local Cheese (1kg)

$9.72 CA$13.86

$17.73 Rp 316.9K

-45.18%

Chicken Fillets (1kg)

$11.12 CA$15.85

$3.86 Rp 68.9K

188.08%

Beef Round Steak (1kg)

$14.72 CA$20.98

$12.03 Rp 215.0K

22.36%

Apples (1kg)

$3.66 CA$5.22

$3.61 Rp 64.5K

1.39%

Banana (1kg)

$1.36 CA$1.93

$1.51 Rp 27.1K

-9.93%

Oranges (1kg)

$3.70 CA$5.28

$2.32 Rp 41.4K

59.48%

Tomato (1kg)

$3.73 CA$5.31

$2.00 Rp 35.8K

86.50%

Potato (1kg)

$2.59 CA$3.70

$1.81 Rp 32.4K

43.09%

Onion (1kg)

$2.25 CA$3.21

$2.39 Rp 42.7K

-5.86%

Lettuce (1 head)

$2.53 CA$3.61

$0.99 Rp 17.8K

155.56%

Water (1.5 liter bottle)

$1.57 CA$2.24

$0.52 Rp 9,373

201.92%

Cigarettes 20 Pack (Marlboro, Camel)

$13.96 CA$19.90

$2.18 Rp 39.0K

540.37%

Wine (Bottle)

$12.42 CA$17.70

$22.98 Rp 410.7K

-45.95%

Local Beer (0.5 liter bottle)

$2.73 CA$3.89

$2.40 Rp 42.8K

13.75%

Imported Beer (0.33 liter bottle)

$3.13 CA$4.46

$3.00 Rp 53.6K

4.33%

One-way Ticket (Public Transport)

$2.31 CA$3.29

$0.24 Rp 4,255

862.50%

Public Transport Monthly Pass (Regular Price)

$63.1 CA$90.0

$6.99 Rp 125.0K

802.72%

Taxi Start (Normal Tariff)

$2.82 CA$4.02

$0.44 Rp 7,876

540.91%

Taxi (Normal Tariff) (1km)

$1.49 CA$2.12

$0.42 Rp 7,582

254.76%

Taxi 1hour Waiting (Normal Tariff)

$23.25 CA$33.14

$5.45 Rp 97.4K

326.61%

Gasoline (1 liter)

$1.11 CA$1.59

$0.84 Rp 15.1K

32.14%

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

$28.2K CA$40.1K

$24.3K Rp 434.8M

15.76%

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

$18.9K CA$26.9K

$31.9K Rp 570.0M

-40.71%

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

$138 CA$197

$80.8 Rp 1.4M

70.74%

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

$38.11 CA$54.3

$6.58 Rp 117.6K

479.18%

Internet (50+ Mbps, Unlimited Data)

$55.0 CA$78.4

$18.24 Rp 326.1K

201.43%

Gym Membership (Monthly)

$40.69 CA$58.0

$55.1 Rp 985.4K

-26.19%

Tennis Court (1 Hour on Weekend)

$18.31 CA$26.10

$18.51 Rp 330.9K

-1.08%

Cinema Ticket

$10.95 CA$15.61

$4.24 Rp 75.9K

158.25%

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

$724 CA$1,033

$486 Rp 8.7M

49.15%

International Primary School, 1 Child (Yearly)

$13.3K CA$18.9K

$5,676 Rp 101.5M

134.08%

Jeans (Levis 501 Or Similar)

$54.2 CA$77.2

$45.18 Rp 807.6K

19.90%

Summer Dress (H&M, Zara, etc)

$37.35 CA$53.2

$34.57 Rp 617.9K

8.04%

Sport Shoes (Adidas, Nike)

$84.5 CA$120

$79.2 Rp 1.4M

6.73%

Men's Leather Business Shoes

$99.9 CA$142

$77.6 Rp 1.4M

28.69%

1-bedroom Apartment, City Center (Monthly)

$1,239 CA$1,766

$1,127 Rp 20.1M

9.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,151 CA$1,640

$674 Rp 12.1M

70.70%

3-bedroom Apartment, City Center (Monthly)

$1,984 CA$2,829

$3,618 Rp 64.7M

-45.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,678 CA$2,392

$1,735 Rp 31.0M

-3.27%

Buy Apartment in City Center (m2)

$4,169 CA$5,942

$2,829 Rp 50.6M

47.37%

Buy Apartment Outside City Center (m2)

$3,576 CA$5,097

$2,307 Rp 41.2M

55.01%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

4.64

13.78

-66.33%

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

Last update for Saint Andrews: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Saint Andrews

$1.2K 50.7%

Ubud, Bali

$674 49.6% 41.4% $477

Groceries & Markets

Saint Andrews

$347 15.3%

Ubud, Bali

$290 21.4% 16.4% $57

Eating Out

Saint Andrews

$270 11.9%

Ubud, Bali

$108 8% 60% $162

Monthly Utilities & Internet

Saint Andrews

$231 10.2%

Ubud, Bali

$106 7.8% 54.3% $125

Clothing & Footwear

Saint Andrews

$124 5.5%

Ubud, Bali

$106 7.8% 14.3% $18

Getting Around

Saint Andrews

$83 3.6%

Ubud, Bali

$11 0.8% 87.3% $72

Sport & Entertainment

Saint Andrews

$63 2.8%

Ubud, Bali

$64 4.7% 1.6% $1

Cost Breakdown

A central one-bedroom costs $1,239 in Saint Andrews versus $1,127 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 $64.0 in Saint Andrews versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $347 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇨🇦 Saint Andrews

🇮🇩 Ubud, Bali

🕒 Local time

10:06 10:06 AM

21:06 9:06 PM

11 h ahead of Saint Andrews

🌤 Weather

👥 Population

74,800

💱 Currency

Canadian Dollar CAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

USD to CAD in detail →

On the map

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Highest

Between locations

Saint Andrews Ubud, Bali 15,940 km ≈ 20 h nonstop flight

From you

Saint Andrews
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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

Monthly costs with rent: $2,255 in Saint Andrews, $1,348 in Ubud, Bali – roughly 67% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,383 per month in Saint Andrews and $2,022 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,255 in Saint Andrews and $1,348 in Ubud, Bali. That's a gap of about 67%.

Public transport costs about 803% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,348, than in Saint Andrews at $2,255. In Ubud, Bali it covers expenses comfortably, while in Saint Andrews it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,348 in Ubud, Bali to $2,255 in Saint Andrews. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Saint Andrews makes more sense. Both are solid long-term options with distinct trade-offs.