Last update: Oct 2026

Cost of Living Comparison Between San Francisco, CA and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $4,342 in San Francisco, CA, rent and utilities included – about $35,700 less a year. Rent and utilities account for most of the difference.

211

Cost of Living Index in San Francisco, CA
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San Francisco, CA Living Index
67

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

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San Francisco, CA

🇺🇸 United States

$4,342

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in San Francisco, CA 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 San Francisco, CA and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $4,342 per month in San Francisco, CA vs $1,368 in Ubud, Bali, rent included.

San Francisco, CA $4,342
Ubud, Bali $1,368

A couple spends around $6,433 per month in San Francisco, CA vs $2,314 in Ubud, Bali, rent included.

San Francisco, CA $6,433
Ubud, Bali $2,314

A family of three spends $8,523 per month in San Francisco, CA vs $3,260 in Ubud, Bali, rent included.

San Francisco, CA $8,523
Ubud, Bali $3,260

San Francisco, CA costs about 218% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both San Francisco, CA and Ubud, Bali sit above the global median – San Francisco, CA by 222%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$27.11 $27.11

$3.33 Rp 59.9K

714.11%

Three-Course Dinner for Two, Mid-Range

$120 $120

$35.18 Rp 633.2K

242.24%

Fast Food Meal (McDonalds, etc)

$15.06 $15.06

$5.80 Rp 104.5K

159.66%

Cappuccino

$6.06 $6.06

$2.73 Rp 49.1K

121.98%

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

$3.22 $3.22

$1.64 Rp 29.5K

96.34%

Water (0.33 liter bottle)

$2.75 $2.75

$0.83 Rp 15.0K

231.33%

Local Beer (0.5 liter draught)

$7.83 $7.83

$2.70 Rp 48.6K

190.00%

Imported Beer (0.33 liter bottle)

$9.25 $9.25

$4.30 Rp 77.4K

115.12%

Milk (1 liter)

$1.72 $1.72

$1.50 Rp 27.1K

14.67%

White Bread (500g)

$5.39 $5.39

$2.30 Rp 41.4K

134.35%

Rice (white) (1kg)

$4.76 $4.76

$1.18 Rp 21.2K

303.39%

Eggs

$4.87 $4.87

$2.14 Rp 38.6K

127.57%

Local Cheese (1kg)

$16.10 $16.10

$17.48 Rp 314.6K

-7.89%

Chicken Fillets (1kg)

$15.32 $15.32

$4.03 Rp 72.5K

280.15%

Beef Round Steak (1kg)

$22.69 $22.69

$12.23 Rp 220.1K

85.53%

Apples (1kg)

$6.20 $6.20

$3.55 Rp 63.9K

74.65%

Banana (1kg)

$2.83 $2.83

$1.57 Rp 28.3K

80.25%

Oranges (1kg)

$4.32 $4.32

$2.24 Rp 40.2K

92.86%

Tomato (1kg)

$6.66 $6.66

$1.93 Rp 34.7K

245.08%

Potato (1kg)

$2.90 $2.90

$1.88 Rp 33.9K

54.26%

Onion (1kg)

$3.72 $3.72

$2.29 Rp 41.3K

62.45%

Lettuce (1 head)

$2.81 $2.81

$0.99 Rp 17.9K

183.84%

Water (1.5 liter bottle)

$2.59 $2.59

$0.53 Rp 9,475

388.68%

Cigarettes 20 Pack (Marlboro, Camel)

$11.79 $11.79

$2.28 Rp 41.1K

417.11%

Wine (Bottle)

$14.62 $14.62

$23.01 Rp 414.2K

-36.46%

Local Beer (0.5 liter bottle)

$3.11 $3.11

$2.34 Rp 42.2K

32.91%

Imported Beer (0.33 liter bottle)

$3.56 $3.56

$2.91 Rp 52.4K

22.34%

One-way Ticket (Public Transport)

$2.91 $2.91

$0.24 Rp 4,315

1112.50%

Public Transport Monthly Pass (Regular Price)

$95.8 $95.8

$8.82 Rp 158.7K

985.71%

Taxi Start (Normal Tariff)

$4.22 $4.22

$0.48 Rp 8,684

779.17%

Taxi (Normal Tariff) (1km)

$1.99 $1.99

$0.46 Rp 8,233

332.61%

Taxi 1hour Waiting (Normal Tariff)

$39.06 $39.06

$5.45 Rp 98.2K

616.70%

Gasoline (1 liter)

$1.51 $1.51

$0.88 Rp 15.9K

71.59%

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

$37.6K $37.6K

$24.6K Rp 442.2M

53.24%

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

$25.4K $25.4K

$31.2K Rp 561.4M

-18.46%

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

$214 $214

$83.0 Rp 1.5M

158.09%

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

$62.2 $62.2

$6.45 Rp 116.0K

863.57%

Internet (50+ Mbps, Unlimited Data)

$76.8 $76.8

$18.57 Rp 334.2K

313.30%

Gym Membership (Monthly)

$122 $122

$55.8 Rp 1.0M

118.97%

Tennis Court (1 Hour on Weekend)

$21.47 $21.47

$18.11 Rp 326.0K

18.55%

Cinema Ticket

$17.99 $17.99

$4.38 Rp 78.9K

310.73%

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

$2,943 $2,943

$493 Rp 8.9M

497.05%

International Primary School, 1 Child (Yearly)

$42.7K $42.7K

$5,754 Rp 103.6M

641.56%

Jeans (Levis 501 Or Similar)

$76.5 $76.5

$46.19 Rp 831.4K

65.60%

Summer Dress (H&M, Zara, etc)

$47.33 $47.33

$35.33 Rp 636.0K

33.97%

Sport Shoes (Adidas, Nike)

$101 $101

$79.1 Rp 1.4M

28.15%

Men's Leather Business Shoes

$140 $140

$78.4 Rp 1.4M

78.24%

1-bedroom Apartment, City Center (Monthly)

$3,749 $3,749

$1,142 Rp 20.6M

228.18%

1-bedroom Apartment, Outside City Center (Monthly)

$2,617 $2,617

$676 Rp 12.2M

287.35%

3-bedroom Apartment, City Center (Monthly)

$5,734 $5,734

$3,503 Rp 63.1M

63.69%

3-bedroom Apartment, Outside City Center (Monthly)

$4,530 $4,530

$1,700 Rp 30.6M

166.49%

Buy Apartment in City Center (m2)

$9,861 $9,861

$2,784 Rp 50.1M

254.20%

Buy Apartment Outside City Center (m2)

$7,520 $7,520

$2,241 Rp 40.3M

235.63%

Average Monthly Net Salary (After Tax)

$6,548 $6,548

$165 Rp 3.0M

3879.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.76

13.78

-50.94%

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

Last update for San Francisco, CA: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

San Francisco, CA

$2.6K 60.3%

Ubud, Bali

$676 49.4% 74.2% $1.9K

Groceries & Markets

San Francisco, CA

$512 11.8%

Ubud, Bali

$290 21.2% 43.2% $221

Eating Out

San Francisco, CA

$416 9.6%

Ubud, Bali

$109 8% 73.9% $307

Monthly Utilities & Internet

San Francisco, CA

$353 8.1%

Ubud, Bali

$108 7.9% 69.4% $245

Clothing & Footwear

San Francisco, CA

$164 3.8%

Ubud, Bali

$108 7.9% 34.5% $57

Sport & Entertainment

San Francisco, CA

$158 3.6%

Ubud, Bali

$65 4.7% 59.2% $94

Getting Around

San Francisco, CA

$122 2.8%

Ubud, Bali

$13 0.9% 89.7% $109

Cost Breakdown

A central one-bedroom costs $3,749 in San Francisco, CA versus $1,142 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 run about 3880% higher in San Francisco, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $120 in San Francisco, CA versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $512 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 San Francisco, CA

🇮🇩 Ubud, Bali

🕒 Local time

09:18 9:18 AM

00:18 12:18 AM

15 h ahead of San Francisco, CA

🌤 Weather

👥 Population

873,965

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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 19, 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

San Francisco, CA Ubud, Bali 13,410 km ≈ 17 h nonstop flight

From you

San Francisco, CA
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

San Francisco, CA vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Yes – San Francisco, CA is pricier by about 218%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $6,513 per month in San Francisco, CA and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 76% more in San Francisco, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $120 in San Francisco, CA and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in San Francisco, CA at $4,342. In Ubud, Bali it covers expenses comfortably, while in San Francisco, CA it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, San Francisco, CA makes more sense. Both are solid long-term options with distinct trade-offs.