Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,894 in Saint Cloud, MN, rent and utilities included – about $6,500 less a year. Other living expenses account for most of the difference.

91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index
66

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

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Saint Cloud, MN

🇺🇸 United States

$1,894

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,894 in Saint Cloud, MN versus $1,353 in Ubud, Bali.

Saint Cloud, MN $1,894
Ubud, Bali $1,353

Estimated couple costs with rent: $2,718 in Saint Cloud, MN versus $2,297 in Ubud, Bali.

Saint Cloud, MN $2,718
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,543 in Saint Cloud, MN versus $3,241 in Ubud, Bali.

Saint Cloud, MN $3,543
Ubud, Bali $3,241

Living in Saint Cloud, MN is roughly 40% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Saint Cloud, MN 40% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$15.19 $15.19

$3.23 Rp 58.1K

370.28%

Three-Course Dinner for Two, Mid-Range

$40.27 $40.27

$34.88 Rp 627.8K

15.45%

Fast Food Meal (McDonalds, etc)

$8.63 $8.63

$5.70 Rp 102.5K

51.40%

Cappuccino

$4.47 $4.47

$2.62 Rp 47.1K

70.61%

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

$2.88 $2.88

$1.72 Rp 31.0K

67.44%

Water (0.33 liter bottle)

$2.25 $2.25

$0.81 Rp 14.6K

177.78%

Local Beer (0.5 liter draught)

$6.08 $6.08

$2.65 Rp 47.7K

129.43%

Imported Beer (0.33 liter bottle)

$4.85 $4.85

$4.37 Rp 78.6K

10.98%

Milk (1 liter)

$0.92 $0.92

$1.57 Rp 28.3K

-41.40%

White Bread (500g)

$1.50 $1.50

$2.19 Rp 39.5K

-31.51%

Rice (white) (1kg)

$1.90 $1.90

$1.18 Rp 21.2K

61.02%

Eggs

$3.78 $3.78

$2.16 Rp 38.8K

75.00%

Local Cheese (1kg)

$9.54 $9.54

$17.65 Rp 317.7K

-45.95%

Chicken Fillets (1kg)

$6.53 $6.53

$3.78 Rp 68.0K

72.75%

Beef Round Steak (1kg)

$19.42 $19.42

$11.95 Rp 215.1K

62.51%

Apples (1kg)

$3.66 $3.66

$3.60 Rp 64.8K

1.67%

Banana (1kg)

$1.09 $1.09

$1.59 Rp 28.6K

-31.45%

Oranges (1kg)

$2.82 $2.82

$2.31 Rp 41.6K

22.08%

Tomato (1kg)

$3.63 $3.63

$1.91 Rp 34.3K

90.05%

Potato (1kg)

$2.03 $2.03

$1.78 Rp 32.1K

14.04%

Onion (1kg)

$2.91 $2.91

$2.33 Rp 41.9K

24.89%

Lettuce (1 head)

$1.99 $1.99

$1.00 Rp 18.0K

99.00%

Water (1.5 liter bottle)

$3.08 $3.08

$0.53 Rp 9,509

481.13%

Cigarettes 20 Pack (Marlboro, Camel)

$11.38 $11.38

$2.29 Rp 41.1K

396.94%

Wine (Bottle)

$15.07 $15.07

$22.07 Rp 397.3K

-31.72%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.35 Rp 42.2K

-28.09%

Imported Beer (0.33 liter bottle)

$3.04 $3.04

$2.98 Rp 53.6K

2.01%

One-way Ticket (Public Transport)

$1.71 $1.71

$0.23 Rp 4,112

643.48%

Public Transport Monthly Pass (Regular Price)

$59.8 $59.8

$8.90 Rp 160.2K

572.13%

Taxi Start (Normal Tariff)

$3.48 $3.48

$0.47 Rp 8,466

640.43%

Taxi (Normal Tariff) (1km)

$0.84 $0.84

$0.43 Rp 7,737

95.35%

Taxi 1hour Waiting (Normal Tariff)

$12.16 $12.16

$5.47 Rp 98.4K

122.30%

Gasoline (1 liter)

$0.92 $0.92

$0.83 Rp 14.9K

10.84%

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

$30.2K $30.2K

$23.9K Rp 429.8M

26.52%

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

$23.7K $23.7K

$32.8K Rp 590.1M

-27.69%

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

$118 $118

$80.0 Rp 1.4M

47.41%

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

$46.72 $46.72

$6.56 Rp 118.1K

612.20%

Internet (50+ Mbps, Unlimited Data)

$43.38 $43.38

$18.60 Rp 334.8K

133.23%

Gym Membership (Monthly)

$24.65 $24.65

$54.1 Rp 974.1K

-54.45%

Tennis Court (1 Hour on Weekend)

$28.09 $28.09

$18.28 Rp 329.0K

53.67%

Cinema Ticket

$12.18 $12.18

$4.25 Rp 76.5K

186.59%

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

$1,709 $1,709

$493 Rp 8.9M

246.90%

International Primary School, 1 Child (Yearly)

$5,778 $5,778

$5,597 Rp 100.7M

3.23%

Jeans (Levis 501 Or Similar)

$57.4 $57.4

$45.58 Rp 820.4K

26.02%

Summer Dress (H&M, Zara, etc)

$50.1 $50.1

$34.96 Rp 629.4K

43.19%

Sport Shoes (Adidas, Nike)

$73.4 $73.4

$77.7 Rp 1.4M

-5.61%

Men's Leather Business Shoes

$78.9 $78.9

$78.5 Rp 1.4M

0.51%

1-bedroom Apartment, City Center (Monthly)

$931 $931

$1,131 Rp 20.4M

-17.74%

1-bedroom Apartment, Outside City Center (Monthly)

$862 $862

$673 Rp 12.1M

28.05%

3-bedroom Apartment, City Center (Monthly)

$1,371 $1,371

$3,613 Rp 65.0M

-62.06%

3-bedroom Apartment, Outside City Center (Monthly)

$1,290 $1,290

$1,702 Rp 30.6M

-24.18%

Buy Apartment in City Center (m2)

$1,993 $1,993

$2,717 Rp 48.9M

-26.65%

Buy Apartment Outside City Center (m2)

$1,745 $1,745

$2,241 Rp 40.3M

-22.13%

Average Monthly Net Salary (After Tax)

$3,967 $3,967

$166 Rp 3.0M

2284.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.61

13.78

-52.03%

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

Last update for Saint Cloud, MN: October 17, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Saint Cloud, MN

$862 45.5%

Ubud, Bali

$673 49.7% 21.9% $189

Groceries & Markets

Saint Cloud, MN

$322 17%

Ubud, Bali

$287 21.2% 10.8% $35

Eating Out

Saint Cloud, MN

$262 13.8%

Ubud, Bali

$106 7.9% 59.3% $155

Monthly Utilities & Internet

Saint Cloud, MN

$208 11%

Ubud, Bali

$105 7.8% 49.4% $103

Clothing & Footwear

Saint Cloud, MN

$117 6.2%

Ubud, Bali

$107 7.9% 8.9% $10

Getting Around

Saint Cloud, MN

$74 3.9%

Ubud, Bali

$12 0.9% 83.3% $62

Sport & Entertainment

Saint Cloud, MN

$49 2.6%

Ubud, Bali

$63 4.6% 27.8% $14

Cost Breakdown

A one-bedroom apartment in the center runs $931 in Saint Cloud, MN and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 2284% 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: $40.00 in Saint Cloud, MN vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $322 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Saint Cloud, MN

🇮🇩 Ubud, Bali

🕒 Local time

01:28 1:28 AM

14:28 2:28 PM

13 h ahead of Saint Cloud, MN

🌤 Weather

👥 Population

67,109

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 21, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 21, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Saint Cloud, MN Ubud, Bali 15,030 km ≈ 19 h nonstop flight

From you

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

Saint Cloud, MN and Ubud, Bali differ by about 40% in total monthly costs ($1,894 vs $1,353 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2284% 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: $931 in Saint Cloud, MN versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,894 per month in Saint Cloud, MN versus $1,353 in Ubud, Bali – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 572% less than in Saint Cloud, MN. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,353 in Ubud, Bali versus $1,894 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 40% less than in Saint Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.