Cost of Living Comparison Between Saint Cloud, MN and Ubud, Bali Cost of Living Comparison Between Saint Cloud, MN and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,895 in Saint Cloud, MN versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $2,734 in Saint Cloud, MN versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,572 in Saint Cloud, MN versus $3,273 in Ubud, Bali.

Living in Saint Cloud, MN is roughly 36% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Saint Cloud, MN 38% above, Ubud, Bali 2% above.

Meal at Budget Restaurant

$14.85 $14.85

$3.37 Rp 59.5K

340.65%

Three-Course Dinner for Two, Mid-Range

$39.32 $39.32

$38.59 Rp 680.4K

1.89%

Fast Food Meal (McDonalds, etc)

$8.41 $8.41

$5.52 Rp 97.3K

52.36%

Cappuccino

$4.60 $4.60

$2.64 Rp 46.6K

74.24%

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

$2.78 $2.78

$1.67 Rp 29.5K

66.47%

Water (0.33 liter bottle)

$2.25 $2.25

$0.77 Rp 13.6K

192.21%

Local Beer (0.5 liter draught)

$6.05 $6.05

$2.63 Rp 46.4K

130.04%

Imported Beer (0.33 liter bottle)

$5.10 $5.10

$4.28 Rp 75.5K

19.16%

Milk (1 liter)

$0.86 $0.86

$1.55 Rp 27.3K

-44.52%

White Bread (500g)

$1.50 $1.50

$2.22 Rp 39.2K

-32.43%

Rice (white) (1kg)

$1.98 $1.98

$1.13 Rp 19.8K

75.22%

Eggs

$3.72 $3.72

$2.09 Rp 36.8K

77.99%

Local Cheese (1kg)

$9.84 $9.84

$17.39 Rp 306.7K

-43.42%

Chicken Fillets (1kg)

$6.70 $6.70

$3.87 Rp 68.2K

73.13%

Beef Round Steak (1kg)

$18.90 $18.90

$12.55 Rp 221.3K

50.60%

Apples (1kg)

$3.79 $3.79

$3.62 Rp 63.8K

4.70%

Banana (1kg)

$1.05 $1.05

$1.56 Rp 27.5K

-32.69%

Oranges (1kg)

$2.83 $2.83

$2.35 Rp 41.5K

20.43%

Tomato (1kg)

$3.46 $3.46

$2.06 Rp 36.2K

67.96%

Potato (1kg)

$2.07 $2.07

$1.90 Rp 33.5K

8.95%

Onion (1kg)

$2.87 $2.87

$2.34 Rp 41.2K

22.65%

Lettuce (1 head)

$1.99 $1.99

$1.03 Rp 18.2K

93.20%

Water (1.5 liter bottle)

$3.08 $3.08

$0.55 Rp 9,781

460.00%

Cigarettes 20 Pack (Marlboro, Camel)

$10.91 $10.91

$2.25 Rp 39.7K

384.89%

Wine (Bottle)

$14.94 $14.94

$23.81 Rp 419.8K

-37.25%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.31 Rp 40.8K

-23.38%

Imported Beer (0.33 liter bottle)

$3.03 $3.03

$2.80 Rp 49.4K

8.21%

One-way Ticket (Public Transport)

$1.79 $1.79

$0.27 Rp 4,803

562.96%

Public Transport Monthly Pass (Regular Price)

$59.8 $59.8

$8.66 Rp 152.7K

590.99%

Taxi Start (Normal Tariff)

$3.53 $3.53

$0.48 Rp 8,490

635.42%

Taxi (Normal Tariff) (1km)

$0.84 $0.84

$0.45 Rp 7,865

86.67%

Taxi 1hour Waiting (Normal Tariff)

$12.22 $12.22

$5.72 Rp 100.8K

113.64%

Gasoline (1 liter)

$0.82 $0.82

$0.76 Rp 13.4K

7.89%

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

$29.9K $29.9K

$24.5K Rp 431.7M

22.02%

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

$23.9K $23.9K

$32.1K Rp 566.4M

-25.66%

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

$119 $119

$83.6 Rp 1.5M

42.84%

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

$46.92 $46.92

$6.46 Rp 113.8K

626.32%

Internet (50+ Mbps, Unlimited Data)

$43.22 $43.22

$18.99 Rp 334.9K

127.59%

Gym Membership (Monthly)

$25.22 $25.22

$56.0 Rp 987.0K

-54.94%

Tennis Court (1 Hour on Weekend)

$28.56 $28.56

$18.62 Rp 328.3K

53.38%

Cinema Ticket

$12.12 $12.12

$4.28 Rp 75.5K

183.18%

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

$1,728 $1,728

$487 Rp 8.6M

255.09%

International Primary School, 1 Child (Yearly)

$5,836 $5,836

$5,856 Rp 103.3M

-0.33%

Jeans (Levis 501 Or Similar)

$57.4 $57.4

$45.56 Rp 803.3K

26.01%

Summer Dress (H&M, Zara, etc)

$50.2 $50.2

$36.38 Rp 641.5K

38.07%

Sport Shoes (Adidas, Nike)

$72.6 $72.6

$82.0 Rp 1.4M

-11.48%

Men's Leather Business Shoes

$80.7 $80.7

$80.4 Rp 1.4M

0.36%

1-bedroom Apartment, City Center (Monthly)

$946 $946

$1,117 Rp 19.7M

-15.25%

1-bedroom Apartment, Outside City Center (Monthly)

$854 $854

$701 Rp 12.4M

21.84%

3-bedroom Apartment, City Center (Monthly)

$1,406 $1,406

$3,537 Rp 62.4M

-60.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,250 $1,250

$1,762 Rp 31.1M

-29.07%

Buy Apartment in City Center (m2)

$2,004 $2,004

$2,826 Rp 49.8M

-29.10%

Buy Apartment Outside City Center (m2)

$1,766 $1,766

$2,292 Rp 40.4M

-22.96%

Average Monthly Net Salary (After Tax)

$3,990 $3,990

$170 Rp 3.0M

2250.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.12

13.78

-55.59%

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

Last update for Saint Cloud, MN: August 30, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $946 in Saint Cloud, MN and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 2250% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $39.00 in Saint Cloud, MN vs $39.00 in Ubud, Bali. Groceries flip the comparison at $322 vs $293, with Ubud, Bali cheaper for home cooking.

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 Cloud, MN vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Saint Cloud, MN and Ubud, Bali differ by about 36% in total monthly costs ($1,895 vs $1,396 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2250% higher in Saint Cloud, MN, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $946 in Saint Cloud, MN versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,895 per month in Saint Cloud, MN versus $1,396 in Ubud, Bali – a 36% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 591% less than in Saint Cloud, MN. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,396 in Ubud, Bali versus $1,895 in Saint Cloud, MN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saint Cloud, MN. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Saint Cloud, MN and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 36% less than in Saint Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.