Last update: Oct 2026

Cost of Living Comparison Between Saint Joseph, MI and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,920 in Saint Joseph, MI, rent and utilities included – about $6,900 less a year. Rent and utilities account for about half of the difference.

92

Cost of Living Index in Saint Joseph, MI
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Saint Joseph, MI Living Index
65

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

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Saint Joseph, MI

🇺🇸 United States

$1,920

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,920 per month in Saint Joseph, MI vs $1,349 in Ubud, Bali, rent included.

Saint Joseph, MI $1,920
Ubud, Bali $1,349

A couple spends around $3,070 per month in Saint Joseph, MI vs $2,305 in Ubud, Bali, rent included.

Saint Joseph, MI $3,070
Ubud, Bali $2,305

A family of three spends $4,219 per month in Saint Joseph, MI vs $3,261 in Ubud, Bali, rent included.

Saint Joseph, MI $4,219
Ubud, Bali $3,261

Saint Joseph, MI costs about 42% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.89 $13.89

$3.32 Rp 60.3K

318.37%

Three-Course Dinner for Two, Mid-Range

$73.9 $73.9

$35.64 Rp 646.5K

107.41%

Fast Food Meal (McDonalds, etc)

$8.74 $8.74

$5.53 Rp 100.4K

58.05%

Cappuccino

$4.01 $4.01

$2.72 Rp 49.3K

47.43%

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

$3.00 $3.00

$1.70 Rp 30.9K

76.47%

Water (0.33 liter bottle)

$2.04 $2.04

$0.76 Rp 13.8K

168.42%

Local Beer (0.5 liter draught)

$3.91 $3.91

$2.65 Rp 48.1K

47.55%

Imported Beer (0.33 liter bottle)

$4.97 $4.97

$4.38 Rp 79.5K

13.47%

Milk (1 liter)

$0.81 $0.81

$1.49 Rp 27.0K

-45.64%

White Bread (500g)

$2.86 $2.86

$2.28 Rp 41.3K

25.44%

Rice (white) (1kg)

$2.96 $2.96

$1.19 Rp 21.6K

148.74%

Eggs

$3.53 $3.53

$2.04 Rp 36.9K

73.04%

Local Cheese (1kg)

$7.85 $7.85

$17.70 Rp 321.1K

-55.65%

Chicken Fillets (1kg)

$10.53 $10.53

$3.96 Rp 71.9K

165.91%

Beef Round Steak (1kg)

$8.36 $8.36

$12.19 Rp 221.1K

-31.42%

Apples (1kg)

$5.71 $5.71

$3.66 Rp 66.3K

56.01%

Banana (1kg)

$1.65 $1.65

$1.52 Rp 27.5K

8.55%

Oranges (1kg)

$3.53 $3.53

$2.23 Rp 40.4K

58.30%

Tomato (1kg)

$5.39 $5.39

$1.97 Rp 35.8K

173.60%

Potato (1kg)

$1.75 $1.75

$1.85 Rp 33.5K

-5.41%

Onion (1kg)

$3.22 $3.22

$2.42 Rp 44.0K

33.06%

Lettuce (1 head)

$1.63 $1.63

$0.99 Rp 18.0K

64.65%

Water (1.5 liter bottle)

$2.46 $2.46

$0.51 Rp 9,313

382.35%

Cigarettes 20 Pack (Marlboro, Camel)

$12.15 $12.15

$2.22 Rp 40.3K

447.30%

Wine (Bottle)

$8.21 $8.21

$22.24 Rp 403.4K

-63.08%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.26 Rp 41.0K

-24.78%

Imported Beer (0.33 liter bottle)

$3.30 $3.30

$2.97 Rp 53.9K

11.11%

One-way Ticket (Public Transport)

$2.02 $2.02

$0.25 Rp 4,553

708.00%

Public Transport Monthly Pass (Regular Price)

$53.9 $53.9

$7.82 Rp 141.9K

589.39%

Taxi Start (Normal Tariff)

$3.05 $3.05

$0.44 Rp 7,972

593.18%

Taxi (Normal Tariff) (1km)

$1.79 $1.79

$0.43 Rp 7,801

316.28%

Taxi 1hour Waiting (Normal Tariff)

$29.76 $29.76

$5.41 Rp 98.1K

450.09%

Gasoline (1 liter)

$0.80 $0.80

$0.82 Rp 15.0K

-2.44%

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

$24.4K $24.4K

$23.8K Rp 432.4M

2.51%

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

$25.9K $25.9K

$31.7K Rp 575.9M

-18.41%

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

$172 $172

$79.1 Rp 1.4M

117.08%

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

$51.1 $51.1

$6.45 Rp 116.9K

691.63%

Internet (50+ Mbps, Unlimited Data)

$51.9 $51.9

$18.58 Rp 337.0K

179.06%

Gym Membership (Monthly)

$41.52 $41.52

$49.48 Rp 897.5K

-16.09%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$10.59 $10.59

$4.27 Rp 77.5K

148.01%

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

$1,521 $1,521

$491 Rp 8.9M

210.03%

International Primary School, 1 Child (Yearly)

$23.4K $23.4K

$5,674 Rp 102.9M

313.26%

Jeans (Levis 501 Or Similar)

$40.22 $40.22

$44.64 Rp 809.7K

-9.90%

Summer Dress (H&M, Zara, etc)

$49.07 $49.07

$34.95 Rp 634.0K

40.40%

Sport Shoes (Adidas, Nike)

$76.1 $76.1

$79.9 Rp 1.4M

-4.73%

Men's Leather Business Shoes

$75.6 $75.6

$79.4 Rp 1.4M

-4.82%

1-bedroom Apartment, City Center (Monthly)

$1,075 $1,075

$1,125 Rp 20.4M

-4.47%

1-bedroom Apartment, Outside City Center (Monthly)

$842 $842

$671 Rp 12.2M

25.45%

3-bedroom Apartment, City Center (Monthly)

$1,887 $1,887

$3,565 Rp 64.7M

-47.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,791 $1,791

$1,723 Rp 31.3M

3.91%

Buy Apartment in City Center (m2)

$2,773 $2,773

$2,732 Rp 49.5M

1.50%

Buy Apartment Outside City Center (m2)

$2,380 $2,380

$2,284 Rp 41.4M

4.18%

Average Monthly Net Salary (After Tax)

$4,999 $4,999

$164 Rp 3.0M

2951.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

13.78

-53.34%

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

Last update for Saint Joseph, MI: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Saint Joseph, MI

$842 43.9%

Ubud, Bali

$672 49.8% 20.3% $171

Groceries & Markets

Saint Joseph, MI

$323 16.8%

Ubud, Bali

$288 21.4% 10.6% $34

Monthly Utilities & Internet

Saint Joseph, MI

$275 14.3%

Ubud, Bali

$104 7.7% 62.1% $170

Eating Out

Saint Joseph, MI

$235 12.3%

Ubud, Bali

$108 8% 54.2% $128

Clothing & Footwear

Saint Joseph, MI

$108 5.7%

Ubud, Bali

$108 8% 0.9% $0.9

Getting Around

Saint Joseph, MI

$74 3.9%

Ubud, Bali

$11 0.9% 84.6% $63

Sport & Entertainment

Saint Joseph, MI

$63 3.3%

Ubud, Bali

$58 4.3% 7.5% $4.7

Cost Breakdown

A central one-bedroom costs $1,075 in Saint Joseph, MI versus $1,125 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.

Salaries in Saint Joseph, MI are about 31 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $74 in Saint Joseph, MI versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $323 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Saint Joseph, MI

🇮🇩 Ubud, Bali

🕒 Local time

04:22 4:22 AM

17:22 5:22 PM

13 h ahead of Saint Joseph, MI

🌤 Weather

👥 Population

76,780

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.896 EUR

100,000 IDR = 5.51 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 November 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Saint Joseph, MI Ubud, Bali 15,720 km ≈ 20 h nonstop flight

From you

Saint Joseph, MI
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 Joseph, MI vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Saint Joseph, MI costs about 42% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,880 per month in Saint Joseph, MI and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $1,075 in Saint Joseph, MI and $1,125 in Ubud, Bali. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

Monthly expenses with rent come to $1,920 in Saint Joseph, MI and $1,349 in Ubud, Bali. That makes Ubud, Bali about 30% cheaper.

Public transport costs about 85% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,920 in Saint Joseph, MI 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 $1,349 in Ubud, Bali to $1,920 in Saint Joseph, MI. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Saint Joseph, MI makes more sense. Both are solid long-term options with distinct trade-offs.