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 $1,029 per month in Saint Ann's Bay vs $1,378 in Ubud, Bali, rent included.

A couple spends around $1,626 per month in Saint Ann's Bay vs $2,327 in Ubud, Bali, rent included.

A family of three spends $2,223 per month in Saint Ann's Bay vs $3,275 in Ubud, Bali, rent included.

Saint Ann's Bay is about 25% cheaper than Ubud, Bali, driven mainly by Eating Out.

Saint Ann's Bay sits 25% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$15.54 JMD 2,441

$3.33 Rp 58.7K

366.67%

Three-Course Dinner for Two, Mid-Range

$49.54 JMD 7,781

$35.82 Rp 630.7K

38.30%

Fast Food Meal (McDonalds, etc)

$8.64 JMD 1,357

$5.63 Rp 99.1K

53.46%

Cappuccino

$5.19 JMD 815

$2.82 Rp 49.7K

84.04%

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

$1.20 JMD 188

$1.75 Rp 30.8K

-31.43%

Water (0.33 liter bottle)

$0.73 JMD 114

$0.80 Rp 14.0K

-8.75%

Local Beer (0.5 liter draught)

$2.26 JMD 355

$3.04 Rp 53.6K

-25.66%

Imported Beer (0.33 liter bottle)

$3.10 JMD 487

$4.30 Rp 75.7K

-27.91%

Milk (1 liter)

$4.21 JMD 662

$1.61 Rp 28.3K

161.49%

White Bread (500g)

$3.84 JMD 604

$2.27 Rp 39.9K

69.16%

Rice (white) (1kg)

$1.62 JMD 254

$1.17 Rp 20.6K

38.46%

Eggs

$3.52 JMD 553

$2.17 Rp 38.2K

62.21%

Local Cheese (1kg)

$11.31 JMD 1,776

$17.63 Rp 310.5K

-35.85%

Chicken Fillets (1kg)

$6.39 JMD 1,003

$4.05 Rp 71.4K

57.78%

Beef Round Steak (1kg)

$10.43 JMD 1,638

$12.18 Rp 214.5K

-14.37%

Apples (1kg)

$5.92 JMD 929

$3.62 Rp 63.7K

63.54%

Banana (1kg)

$3.78 JMD 594

$1.64 Rp 28.8K

130.49%

Oranges (1kg)

$7.59 JMD 1,193

$2.31 Rp 40.6K

228.57%

Tomato (1kg)

$3.13 JMD 491

$1.96 Rp 34.5K

59.69%

Potato (1kg)

$3.29 JMD 516

$1.84 Rp 32.5K

78.80%

Onion (1kg)

$2.63 JMD 413

$2.37 Rp 41.7K

10.97%

Lettuce (1 head)

$3.03 JMD 476

$1.05 Rp 18.5K

188.57%

Water (1.5 liter bottle)

$1.47 JMD 231

$0.54 Rp 9,560

172.22%

Cigarettes 20 Pack (Marlboro, Camel)

$9.37 JMD 1,472

$2.30 Rp 40.6K

307.39%

Wine (Bottle)

$11.52 JMD 1,809

$23.08 Rp 406.4K

-50.09%

Local Beer (0.5 liter bottle)

$2.92 JMD 459

$2.34 Rp 41.2K

24.79%

Imported Beer (0.33 liter bottle)

$3.91 JMD 614

$3.07 Rp 54.0K

27.36%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

Taxi Start (Normal Tariff)

$1.17 JMD 184

$0.49 Rp 8,631

138.78%

Taxi (Normal Tariff) (1km)

$3.12 JMD 491

$0.47 Rp 8,349

563.83%

Taxi 1hour Waiting (Normal Tariff)

$6.38 JMD 1,002

$5.60 Rp 98.6K

13.93%

Gasoline (1 liter)

$1.32 JMD 207

$0.81 Rp 14.2K

62.96%

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

$44.9K JMD 7.1M

$25.0K Rp 440.3M

79.49%

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

$32.5K JMD 5.1M

$31.1K Rp 547.0M

4.67%

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

$178 JMD 28.0K

$82.7 Rp 1.5M

115.68%

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

$29.66 JMD 4,659

$6.49 Rp 114.2K

357.01%

Internet (50+ Mbps, Unlimited Data)

$53.6 JMD 8,426

$18.79 Rp 330.8K

185.47%

Gym Membership (Monthly)

$55.2 Rp 972.6K

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$13.17 JMD 2,069

$4.30 Rp 75.7K

206.28%

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

$356 JMD 55.9K

$494 Rp 8.7M

-27.97%

International Primary School, 1 Child (Yearly)

$8,294 JMD 1.3M

$5,917 Rp 104.2M

40.16%

Jeans (Levis 501 Or Similar)

$24.11 JMD 3,787

$46.28 Rp 814.8K

-47.90%

Summer Dress (H&M, Zara, etc)

$32.22 JMD 5,061

$36.44 Rp 641.6K

-11.58%

Sport Shoes (Adidas, Nike)

$76.9 JMD 12.1K

$80.7 Rp 1.4M

-4.68%

Men's Leather Business Shoes

$101 JMD 15.9K

$78.8 Rp 1.4M

28.65%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

13.78

-31.42%

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

Last update for Saint Ann's Bay: September 7, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A mid-range dinner for two costs $50.0 in Saint Ann's Bay versus $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $387 vs $294 – 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 34% more than Saint Ann's Bay, with the gap driven mainly by 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 $1,544 per month in Saint Ann's Bay and $2,067 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,029 in Saint Ann's Bay and $1,378 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $356 per month in Saint Ann's Bay and $494 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 $1,029, than in Ubud, Bali at $1,378. 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 $1,029 versus $1,378 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.