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 $1,362 per month in Saint Ann's Bay vs $1,404 in Ubud, Bali, rent included.

A couple spends around $2,027 per month in Saint Ann's Bay vs $2,549 in Ubud, Bali, rent included.

A family of three spends $2,692 per month in Saint Ann's Bay vs $3,694 in Ubud, Bali, rent included.

Saint Ann's Bay is about 3% 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

$7.38 JMD 1,161

$3.57 Rp 64.1K

106.72%

Three-Course Dinner for Two, Mid-Range

$50.3 JMD 7,909

$32.50 Rp 584.0K

54.74%

Fast Food Meal (McDonalds, etc)

$8.91 JMD 1,401

$4.86 Rp 87.4K

83.33%

Cappuccino

$4.38 JMD 690

$2.75 Rp 49.4K

59.27%

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

$1.36 JMD 214

$1.32 Rp 23.8K

3.03%

Water (0.33 liter bottle)

$0.71 JMD 111

$0.70 Rp 12.6K

1.43%

Local Beer (0.5 liter draught)

$2.46 JMD 386

$2.91 Rp 52.3K

-15.46%

Imported Beer (0.33 liter bottle)

$3.10 JMD 488

$3.79 Rp 68.2K

-18.21%

Milk (1 liter)

$4.34 JMD 682

$1.71 Rp 30.7K

153.80%

White Bread (500g)

$2.75 JMD 433

$2.47 Rp 44.5K

11.34%

Rice (white) (1kg)

$1.55 JMD 245

$1.20 Rp 21.6K

29.17%

Eggs

$3.48 JMD 548

$2.44 Rp 43.9K

42.62%

Local Cheese (1kg)

$11.20 JMD 1,762

$14.38 Rp 258.4K

-22.11%

Chicken Fillets (1kg)

$6.22 JMD 978

$4.31 Rp 77.3K

44.32%

Beef Round Steak (1kg)

$7.47 JMD 1,175

$12.21 Rp 219.4K

-38.82%

Apples (1kg)

$6.15 JMD 968

$3.68 Rp 66.2K

67.12%

Banana (1kg)

$3.04 JMD 479

$1.55 Rp 27.9K

96.13%

Oranges (1kg)

$4.24 JMD 667

$2.79 Rp 50.1K

51.97%

Tomato (1kg)

$3.03 JMD 477

$2.33 Rp 41.9K

30.04%

Potato (1kg)

$2.09 JMD 328

$1.97 Rp 35.4K

6.09%

Onion (1kg)

$1.98 JMD 312

$2.31 Rp 41.5K

-14.29%

Lettuce (1 head)

$2.99 JMD 470

$1.06 Rp 19.1K

182.08%

Water (1.5 liter bottle)

$1.15 JMD 182

$0.73 Rp 13.1K

57.53%

Cigarettes 20 Pack (Marlboro, Camel)

$8.83 JMD 1,388

$3.28 Rp 58.9K

169.21%

Wine (Bottle)

$11.49 JMD 1,807

$22.79 Rp 409.5K

-49.58%

Local Beer (0.5 liter bottle)

$2.75 JMD 432

$2.81 Rp 50.4K

-2.14%

Imported Beer (0.33 liter bottle)

$3.17 JMD 498

$2.78 Rp 50.0K

14.03%

One-way Ticket (Public Transport)

$0.29 Rp 5,232

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.8K

Taxi Start (Normal Tariff)

$0.97 JMD 153

$0.45 Rp 8,069

115.56%

Taxi (Normal Tariff) (1km)

$3.12 JMD 491

$0.45 Rp 8,117

593.33%

Taxi 1hour Waiting (Normal Tariff)

$6.38 JMD 1,004

$6.24 Rp 112.1K

2.24%

Gasoline (1 liter)

$1.28 JMD 201

$0.85 Rp 15.2K

50.59%

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

$23.9K JMD 3.8M

$26.0K Rp 466.7M

-8.02%

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

$17.4K JMD 2.7M

$31.7K Rp 568.8M

-44.94%

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

$165 JMD 25.9K

$80.8 Rp 1.5M

104.10%

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

$22.42 JMD 3,527

$4.06 Rp 72.9K

452.22%

Internet (50+ Mbps, Unlimited Data)

$50.1 JMD 7,878

$24.42 Rp 438.8K

105.08%

Gym Membership (Monthly)

$97.7 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.8K

Cinema Ticket

$13.37 JMD 2,103

$4.04 Rp 72.6K

230.94%

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

$228 JMD 35.8K

$304 Rp 5.5M

-25.08%

International Primary School, 1 Child (Yearly)

$2,501 JMD 393.4K

$6,621 Rp 119.0M

-62.23%

Jeans (Levis 501 Or Similar)

$25.88 JMD 4,071

$54.2 Rp 974.4K

-52.28%

Summer Dress (H&M, Zara, etc)

$25.88 JMD 4,071

$38.78 Rp 696.6K

-33.26%

Sport Shoes (Adidas, Nike)

$69.8 JMD 11.0K

$86.1 Rp 1.5M

-18.93%

Men's Leather Business Shoes

$75.8 JMD 11.9K

$76.7 Rp 1.4M

-1.11%

1-bedroom Apartment, City Center (Monthly)

$499 JMD 78.5K

$986 Rp 17.7M

-49.35%

1-bedroom Apartment, Outside City Center (Monthly)

$474 JMD 74.6K

$658 Rp 11.8M

-27.88%

3-bedroom Apartment, City Center (Monthly)

$991 JMD 155.8K

$3,369 Rp 60.5M

-70.60%

3-bedroom Apartment, Outside City Center (Monthly)

$829 JMD 130.5K

$2,066 Rp 37.1M

-59.85%

Buy Apartment in City Center (m2)

$2,741 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,228 Rp 40.0M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

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: June 9, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A central one-bedroom costs $499 in Saint Ann's Bay versus $986 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 $50.0 in Saint Ann's Bay versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $338 vs $297 – 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 $2,043 per month in Saint Ann's Bay and $2,106 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 $1,362 in Saint Ann's Bay and $1,404 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $228 per month in Saint Ann's Bay and $304 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 $1,362, than in Ubud, Bali at $1,404. 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 $1,362 versus $1,404 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.