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 $1,348 per month in Saint Ann's Bay vs $1,392 in Ubud, Bali, rent included.

A couple spends around $2,019 per month in Saint Ann's Bay vs $2,557 in Ubud, Bali, rent included.

A family of three spends $2,690 per month in Saint Ann's Bay vs $3,723 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 5%.

Meal at Budget Restaurant

$7.54 JMD 1,186

$3.57 Rp 64.6K

111.20%

Three-Course Dinner for Two, Mid-Range

$49.85 JMD 7,840

$32.32 Rp 584.4K

54.24%

Fast Food Meal (McDonalds, etc)

$8.82 JMD 1,387

$5.01 Rp 90.5K

76.05%

Cappuccino

$4.41 JMD 694

$2.82 Rp 51.1K

56.38%

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

$1.35 JMD 213

$1.35 Rp 24.4K

Water (0.33 liter bottle)

$0.75 JMD 118

$0.73 Rp 13.2K

2.74%

Local Beer (0.5 liter draught)

$2.45 JMD 385

$2.93 Rp 53.0K

-16.38%

Imported Beer (0.33 liter bottle)

$3.08 JMD 484

$3.94 Rp 71.2K

-21.83%

Milk (1 liter)

$4.30 JMD 676

$1.78 Rp 32.2K

141.57%

White Bread (500g)

$2.75 JMD 433

$2.45 Rp 44.3K

12.24%

Rice (white) (1kg)

$1.55 JMD 244

$1.15 Rp 20.8K

34.78%

Eggs

$3.61 JMD 568

$2.41 Rp 43.7K

49.79%

Local Cheese (1kg)

$11.08 JMD 1,743

$14.33 Rp 259.1K

-22.68%

Chicken Fillets (1kg)

$6.30 JMD 990

$4.19 Rp 75.7K

50.36%

Beef Round Steak (1kg)

$7.51 JMD 1,181

$12.06 Rp 218.1K

-37.73%

Apples (1kg)

$6.15 JMD 967

$3.64 Rp 65.8K

68.96%

Banana (1kg)

$3.09 JMD 485

$1.57 Rp 28.3K

96.82%

Oranges (1kg)

$4.20 JMD 660

$2.79 Rp 50.4K

50.54%

Tomato (1kg)

$3.00 JMD 471

$2.24 Rp 40.5K

33.93%

Potato (1kg)

$2.05 JMD 322

$1.98 Rp 35.8K

3.54%

Onion (1kg)

$2.00 JMD 314

$2.28 Rp 41.2K

-12.28%

Lettuce (1 head)

$3.11 JMD 489

$1.05 Rp 19.1K

196.19%

Water (1.5 liter bottle)

$1.11 JMD 174

$0.79 Rp 14.2K

40.51%

Cigarettes 20 Pack (Marlboro, Camel)

$8.98 JMD 1,413

$3.19 Rp 57.7K

181.50%

Wine (Bottle)

$11.45 JMD 1,801

$23.49 Rp 424.8K

-51.26%

Local Beer (0.5 liter bottle)

$2.88 JMD 454

$2.90 Rp 52.4K

-0.69%

Imported Beer (0.33 liter bottle)

$3.10 JMD 488

$2.76 Rp 49.8K

12.32%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.3K

Taxi Start (Normal Tariff)

$0.92 JMD 145

$0.45 Rp 8,180

104.44%

Taxi (Normal Tariff) (1km)

$3.13 JMD 493

$0.46 Rp 8,311

580.43%

Taxi 1hour Waiting (Normal Tariff)

$6.22 JMD 979

$6.07 Rp 109.7K

2.47%

Gasoline (1 liter)

$1.28 JMD 202

$0.86 Rp 15.6K

48.84%

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

$23.8K JMD 3.7M

$26.6K Rp 480.7M

-10.57%

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

$17.4K JMD 2.7M

$32.5K Rp 588.6M

-46.58%

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

$164 JMD 25.8K

$79.0 Rp 1.4M

107.87%

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

$21.88 JMD 3,441

$4.09 Rp 74.0K

434.96%

Internet (50+ Mbps, Unlimited Data)

$51.1 JMD 8,033

$23.85 Rp 431.2K

114.13%

Gym Membership (Monthly)

$98.8 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.9K

Cinema Ticket

$13.38 JMD 2,104

$4.01 Rp 72.5K

233.67%

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

$223 JMD 35.1K

$297 Rp 5.4M

-25.02%

International Primary School, 1 Child (Yearly)

$2,512 JMD 395.1K

$6,602 Rp 119.4M

-61.95%

Jeans (Levis 501 Or Similar)

$26.02 JMD 4,092

$53.4 Rp 966.0K

-51.30%

Summer Dress (H&M, Zara, etc)

$25.86 JMD 4,068

$38.11 Rp 689.2K

-32.14%

Sport Shoes (Adidas, Nike)

$68.0 JMD 10.7K

$88.7 Rp 1.6M

-23.25%

Men's Leather Business Shoes

$76.4 JMD 12.0K

$76.6 Rp 1.4M

-0.23%

1-bedroom Apartment, City Center (Monthly)

$511 JMD 80.3K

$1,020 Rp 18.4M

-49.91%

1-bedroom Apartment, Outside City Center (Monthly)

$476 JMD 74.9K

$680 Rp 12.3M

-29.96%

3-bedroom Apartment, City Center (Monthly)

$991 JMD 155.9K

$3,469 Rp 62.7M

-71.43%

3-bedroom Apartment, Outside City Center (Monthly)

$815 JMD 128.2K

$2,090 Rp 37.8M

-61.01%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 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: July 26, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A central one-bedroom costs $511 in Saint Ann's Bay versus $1,020 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 $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $339 vs $298 – 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 $2,022 per month in Saint Ann's Bay and $2,088 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 $1,348 in Saint Ann's Bay and $1,392 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $223 per month in Saint Ann's Bay and $297 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 $1,348, than in Ubud, Bali at $1,392. 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 $1,348 versus $1,392 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.