Last update: Oct 2026

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

For one person, living is cheaper in Saint Ann’s Bay: $1,006 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

48

Cost of Living Index in Saint Ann's Bay
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Saint Ann's Bay Living Index
65

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

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Saint Ann's Bay

🇯🇲 Jamaica

$1,006

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,006 per month in Saint Ann’s Bay vs $1,349 in Ubud, Bali, rent included.

Saint Ann's Bay $1,006
Ubud, Bali $1,349

A couple spends around $1,600 per month in Saint Ann’s Bay vs $2,305 in Ubud, Bali, rent included.

Saint Ann's Bay $1,600
Ubud, Bali $2,305

A family of three spends $2,195 per month in Saint Ann’s Bay vs $3,261 in Ubud, Bali, rent included.

Saint Ann's Bay $2,195
Ubud, Bali $3,261

Saint Ann’s Bay is about 25% cheaper than Ubud, Bali, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$13.35 JMD 2,105

$3.32 Rp 59.9K

302.11%

Three-Course Dinner for Two, Mid-Range

$50.2 JMD 7,922

$35.64 Rp 642.4K

40.97%

Fast Food Meal (McDonalds, etc)

$8.31 JMD 1,311

$5.53 Rp 99.7K

50.27%

Cappuccino

$5.46 JMD 862

$2.72 Rp 49.0K

100.74%

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

$1.20 JMD 190

$1.70 Rp 30.7K

-29.41%

Water (0.33 liter bottle)

$0.70 JMD 110

$0.76 Rp 13.7K

-7.89%

Local Beer (0.5 liter draught)

$2.25 JMD 354

$2.65 Rp 47.8K

-15.09%

Imported Beer (0.33 liter bottle)

$3.12 JMD 492

$4.38 Rp 79.0K

-28.77%

Milk (1 liter)

$4.07 JMD 641

$1.49 Rp 26.9K

173.15%

White Bread (500g)

$3.74 JMD 589

$2.28 Rp 41.0K

64.04%

Rice (white) (1kg)

$1.63 JMD 258

$1.19 Rp 21.5K

36.97%

Eggs

$3.47 JMD 547

$2.04 Rp 36.7K

70.10%

Local Cheese (1kg)

$11.20 JMD 1,766

$17.70 Rp 319.1K

-36.72%

Chicken Fillets (1kg)

$6.20 JMD 978

$3.96 Rp 71.4K

56.57%

Beef Round Steak (1kg)

$10.09 JMD 1,591

$12.19 Rp 219.7K

-17.23%

Apples (1kg)

$6.00 JMD 946

$3.66 Rp 65.9K

63.93%

Banana (1kg)

$3.99 JMD 629

$1.52 Rp 27.4K

162.50%

Oranges (1kg)

$7.53 JMD 1,187

$2.23 Rp 40.2K

237.67%

Tomato (1kg)

$2.98 JMD 469

$1.97 Rp 35.6K

51.27%

Potato (1kg)

$3.28 JMD 518

$1.85 Rp 33.3K

77.30%

Onion (1kg)

$2.62 JMD 414

$2.42 Rp 43.7K

8.26%

Lettuce (1 head)

$3.15 JMD 497

$0.99 Rp 17.8K

218.18%

Water (1.5 liter bottle)

$1.44 JMD 226

$0.51 Rp 9,255

182.35%

Cigarettes 20 Pack (Marlboro, Camel)

$9.30 JMD 1,467

$2.22 Rp 40.0K

318.92%

Wine (Bottle)

$11.43 JMD 1,802

$22.24 Rp 400.9K

-48.61%

Local Beer (0.5 liter bottle)

$2.95 JMD 464

$2.26 Rp 40.7K

30.53%

Imported Beer (0.33 liter bottle)

$4.03 JMD 636

$2.97 Rp 53.5K

35.69%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$1.30 JMD 204

$0.44 Rp 7,923

195.45%

Taxi (Normal Tariff) (1km)

$3.17 JMD 501

$0.43 Rp 7,753

637.21%

Taxi 1hour Waiting (Normal Tariff)

$6.44 JMD 1,016

$5.41 Rp 97.5K

19.04%

Gasoline (1 liter)

$1.30 JMD 205

$0.82 Rp 14.9K

58.54%

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

$43.4K JMD 6.8M

$23.8K Rp 429.7M

82.10%

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

$32.7K JMD 5.2M

$31.7K Rp 572.3M

2.92%

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

$169 JMD 26.6K

$79.1 Rp 1.4M

113.52%

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

$29.03 JMD 4,577

$6.45 Rp 116.2K

350.08%

Internet (50+ Mbps, Unlimited Data)

$52.9 JMD 8,346

$18.58 Rp 334.9K

184.88%

Gym Membership (Monthly)

$49.48 Rp 892.0K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

Cinema Ticket

$13.41 JMD 2,114

$4.27 Rp 77.0K

214.05%

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

$366 JMD 57.7K

$491 Rp 8.8M

-25.39%

International Primary School, 1 Child (Yearly)

$8,305 JMD 1.3M

$5,674 Rp 102.3M

46.38%

Jeans (Levis 501 Or Similar)

$23.59 JMD 3,719

$44.64 Rp 804.7K

-47.16%

Summer Dress (H&M, Zara, etc)

$31.44 JMD 4,957

$34.95 Rp 630.1K

-10.04%

Sport Shoes (Adidas, Nike)

$78.3 JMD 12.4K

$79.9 Rp 1.4M

-1.96%

Men's Leather Business Shoes

$101 JMD 16.0K

$79.4 Rp 1.4M

27.65%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.3M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

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: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Saint Ann's Bay

$383 38.1%

Ubud, Bali

$288 21.4% 24.6% $94

Monthly Utilities & Internet

Saint Ann's Bay

$251 24.9%

Ubud, Bali

$104 7.7% 58.5% $147

Eating Out

Saint Ann's Bay

$222 22.1%

Ubud, Bali

$108 8% 51.6% $115

Clothing & Footwear

Saint Ann's Bay

$106 10.5%

Ubud, Bali

$108 8% 1.8% $1.9

Sport & Entertainment

Saint Ann's Bay

$27 * 2.7%

Ubud, Bali

$58 4.3% 116% $31

Getting Around

Saint Ann's Bay

$17 * 1.7%

Ubud, Bali

$11 0.9% 33.5% $5.8

Accommodation & Living

Saint Ann's Bay

- * 0%

Ubud, Bali

$672 49.8%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $50 in Saint Ann’s Bay versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $383 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇯🇲 Saint Ann's Bay

🇮🇩 Ubud, Bali

🕒 Local time

14:05 2:05 PM

03:05 3:05 AM

13 h ahead of Saint Ann's Bay

🌤 Weather

👥 Population

13,671

74,800

💱 Currency

Jamaican Dollar JMD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 JMD = 6.34 USD

1,000 JMD = 5.7 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD, EUR to JMD – Jamaican Dollar Converter

🇺🇸 United States Dollar ($)

🇯🇲 Jamaican Dollar ($)

Jamaican Dollar exchange rates as of October 28, 2026: 1 USD = 158 JMD (1,000 JMD = 6.34 USD). 1 EUR = 176 JMD (1,000 JMD = 5.7 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,066 IDR (100,000 IDR = 4.98 EUR).

USD to JMD in detail →

On the map

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Highest

Between locations

Saint Ann's Bay Ubud, Bali 18,270 km ≈ 23 h nonstop flight

From you

Saint Ann's Bay
Ubud, Bali

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

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, and outside of rent the gap comes mainly from leisure. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,508 per month in Saint Ann’s Bay and $2,023 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 $1,006 in Saint Ann’s Bay and $1,349 in Ubud, Bali. That’s a gap of about 34%.

Kindergarten costs $366 per month in Saint Ann’s Bay and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,006 in Saint Ann’s Bay and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,006 in Saint Ann’s Bay to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.