Cost of Living Comparison Between Saint Ann's Bay and Ubud, Bali Cost of Living Comparison Between Saint Ann's Bay and Ubud, Bali

Monthly Cost of Living

A single person spends $1,360 per month in Saint Ann's Bay vs $1,395 in Ubud, Bali, rent included.

A couple spends around $2,028 per month in Saint Ann's Bay vs $2,559 in Ubud, Bali, rent included.

A family of three spends $2,695 per month in Saint Ann's Bay vs $3,724 in Ubud, Bali, rent included.

Saint Ann's Bay is about 2% cheaper than Ubud, Bali, driven mainly by Sport & Entertainment.

Both Saint Ann's Bay and Ubud, Bali sit above the global median – Saint Ann's Bay by 1%, Ubud, Bali by 4%.

Meal at Budget Restaurant

$7.52 JMD 1,190

$3.48 Rp 59.7K

116.09%

Three-Course Dinner for Two, Mid-Range

$49.83 JMD 7,887

$32.88 Rp 563.4K

51.55%

Fast Food Meal (McDonalds, etc)

$8.91 JMD 1,410

$5.09 Rp 87.2K

75.05%

Cappuccino

$4.41 JMD 698

$2.75 Rp 47.1K

60.36%

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

$1.36 JMD 215

$1.38 Rp 23.7K

-1.45%

Water (0.33 liter bottle)

$0.72 JMD 114

$0.71 Rp 12.2K

1.41%

Local Beer (0.5 liter draught)

$2.46 JMD 389

$2.88 Rp 49.3K

-14.58%

Imported Beer (0.33 liter bottle)

$3.21 JMD 509

$3.87 Rp 66.3K

-17.05%

Milk (1 liter)

$4.43 JMD 701

$1.79 Rp 30.7K

147.49%

White Bread (500g)

$2.65 JMD 420

$2.45 Rp 41.9K

8.16%

Rice (white) (1kg)

$1.60 JMD 253

$1.21 Rp 20.7K

32.23%

Eggs

$3.44 JMD 545

$2.39 Rp 40.9K

43.93%

Local Cheese (1kg)

$11.25 JMD 1,780

$14.70 Rp 251.9K

-23.47%

Chicken Fillets (1kg)

$6.53 JMD 1,033

$4.24 Rp 72.7K

54.01%

Beef Round Steak (1kg)

$7.55 JMD 1,195

$12.08 Rp 206.9K

-37.50%

Apples (1kg)

$6.05 JMD 957

$3.66 Rp 62.8K

65.30%

Banana (1kg)

$3.10 JMD 491

$1.61 Rp 27.5K

92.55%

Oranges (1kg)

$4.16 JMD 658

$2.72 Rp 46.6K

52.94%

Tomato (1kg)

$3.02 JMD 478

$2.27 Rp 38.9K

33.04%

Potato (1kg)

$2.10 JMD 332

$1.90 Rp 32.6K

10.53%

Onion (1kg)

$2.00 JMD 316

$2.30 Rp 39.4K

-13.04%

Lettuce (1 head)

$2.97 JMD 469

$1.02 Rp 17.4K

191.18%

Water (1.5 liter bottle)

$1.16 JMD 183

$0.78 Rp 13.3K

48.72%

Cigarettes 20 Pack (Marlboro, Camel)

$8.80 JMD 1,393

$3.24 Rp 55.6K

171.60%

Wine (Bottle)

$11.35 JMD 1,796

$24.06 Rp 412.3K

-52.83%

Local Beer (0.5 liter bottle)

$2.81 JMD 445

$2.84 Rp 48.7K

-1.06%

Imported Beer (0.33 liter bottle)

$3.15 JMD 499

$2.79 Rp 47.8K

12.90%

One-way Ticket (Public Transport)

$0.27 Rp 4,606

Public Transport Monthly Pass (Regular Price)

$8.24 Rp 141.2K

Taxi Start (Normal Tariff)

$0.97 JMD 153

$0.45 Rp 7,700

115.56%

Taxi (Normal Tariff) (1km)

$3.27 JMD 517

$0.43 Rp 7,298

660.47%

Taxi 1hour Waiting (Normal Tariff)

$6.31 JMD 999

$6.02 Rp 103.2K

4.82%

Gasoline (1 liter)

$1.24 JMD 195

$0.86 Rp 14.7K

44.19%

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

$23.6K JMD 3.7M

$26.1K Rp 446.6M

-9.26%

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

$17.2K JMD 2.7M

$31.7K Rp 543.2M

-45.78%

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

$166 JMD 26.3K

$78.3 Rp 1.3M

112.16%

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

$22.26 JMD 3,523

$4.00 Rp 68.5K

456.50%

Internet (50+ Mbps, Unlimited Data)

$51.9 JMD 8,211

$24.35 Rp 417.3K

113.06%

Gym Membership (Monthly)

$95.8 Rp 1.6M

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.6K

Cinema Ticket

$12.92 JMD 2,045

$4.01 Rp 68.7K

222.19%

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

$230 JMD 36.4K

$302 Rp 5.2M

-23.84%

International Primary School, 1 Child (Yearly)

$2,517 JMD 398.4K

$6,545 Rp 112.2M

-61.54%

Jeans (Levis 501 Or Similar)

$26.36 JMD 4,172

$53.4 Rp 915.5K

-50.66%

Summer Dress (H&M, Zara, etc)

$26.02 JMD 4,118

$38.55 Rp 660.6K

-32.50%

Sport Shoes (Adidas, Nike)

$68.9 JMD 10.9K

$89.1 Rp 1.5M

-22.60%

Men's Leather Business Shoes

$76.6 JMD 12.1K

$78.9 Rp 1.4M

-2.97%

1-bedroom Apartment, City Center (Monthly)

$495 JMD 78.4K

$1,016 Rp 17.4M

-51.25%

1-bedroom Apartment, Outside City Center (Monthly)

$475 JMD 75.2K

$672 Rp 11.5M

-29.32%

3-bedroom Apartment, City Center (Monthly)

$1,000 JMD 158.2K

$3,368 Rp 57.7M

-70.33%

3-bedroom Apartment, Outside City Center (Monthly)

$829 JMD 131.3K

$2,108 Rp 36.1M

-60.65%

Buy Apartment in City Center (m2)

$3,001 Rp 51.4M

Buy Apartment Outside City Center (m2)

$2,337 Rp 40.0M

Average Monthly Net Salary (After Tax)

$178 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-69.88%

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

Last update for Saint Ann's Bay: April 13, 2026

Last update for Ubud, Bali: April 12, 2026

Cost Breakdown

A central one-bedroom costs $495 in Saint Ann's Bay versus $1,016 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 $50 in Saint Ann's Bay versus $33 in Ubud, Bali. Monthly groceries follow the same trend: $340 vs $300 – making Ubud, Bali the more affordable choice for daily food spending.

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

Saint Ann's Bay vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 3% more than Saint Ann's Bay, with the gap driven mainly by Sport & Entertainment. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,040 per month in Saint Ann's Bay and $2,092 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Ann's Bay, 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 $1,360 in Saint Ann's Bay and $1,395 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $230 per month in Saint Ann's Bay and $302 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Saint Ann's Bay, where all-in costs run around $1,360, than in Ubud, Bali at $1,395. In Saint Ann's Bay it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saint Ann's Bay costs $1,360 versus $1,395 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Saint Ann's Bay. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.