Last update: Nov 2026

Cost of Living Comparison Between Saratoga, CA and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,471 in Saratoga, CA, rent and utilities included – about $13,700 less a year. Rent and utilities account for most of the difference.

119

Cost of Living Index in Saratoga, CA
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Saratoga, CA Living Index
64

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

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Saratoga, CA

🇺🇸 United States

$2,471

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,471 in Saratoga, CA versus $1,331 in Ubud, Bali.

Saratoga, CA $2,471
Ubud, Bali $1,331

Estimated couple costs with rent: $3,678 in Saratoga, CA versus $2,255 in Ubud, Bali.

Saratoga, CA $3,678
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $4,886 in Saratoga, CA versus $3,180 in Ubud, Bali.

Saratoga, CA $4,886
Ubud, Bali $3,180

Living in Saratoga, CA is roughly 86% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Saratoga, CA is 83% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$24.88 $24.88

$3.38 Rp 61.2K

636.09%

Three-Course Dinner for Two, Mid-Range

$112 $112

$34.65 Rp 628.6K

223.58%

Fast Food Meal (McDonalds, etc)

$13.06 $13.06

$5.57 Rp 101.1K

134.47%

Cappuccino

$5.11 $5.11

$2.62 Rp 47.5K

95.04%

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

$2.03 $2.03

$1.54 Rp 27.9K

31.82%

Water (0.33 liter bottle)

$1.02 $1.02

$0.64 Rp 11.6K

59.38%

Local Beer (0.5 liter draught)

$3.04 $3.04

$2.67 Rp 48.4K

13.86%

Imported Beer (0.33 liter bottle)

$5.87 $5.87

$4.26 Rp 77.3K

37.79%

Milk (1 liter)

$1.35 $1.35

$1.46 Rp 26.5K

-7.53%

White Bread (500g)

$3.29 $3.29

$2.29 Rp 41.6K

43.67%

Rice (white) (1kg)

$3.38 $3.38

$1.11 Rp 20.1K

204.50%

Eggs

$3.92 $3.92

$2.10 Rp 38.1K

86.67%

Local Cheese (1kg)

$5.58 $5.58

$15.94 Rp 289.2K

-64.99%

Chicken Fillets (1kg)

$4.36 $4.36

$3.88 Rp 70.4K

12.37%

Beef Round Steak (1kg)

$10.94 $10.94

$11.40 Rp 206.8K

-4.04%

Apples (1kg)

$4.73 $4.73

$3.55 Rp 64.4K

33.24%

Banana (1kg)

$1.12 $1.12

$1.54 Rp 27.9K

-27.27%

Oranges (1kg)

$1.07 $1.07

$2.23 Rp 40.5K

-52.02%

Tomato (1kg)

$3.39 $3.39

$1.97 Rp 35.8K

72.08%

Potato (1kg)

$0.79 $0.79

$1.86 Rp 33.7K

-57.53%

Onion (1kg)

$0.75 $0.75

$2.42 Rp 43.9K

-69.01%

Lettuce (1 head)

$1.23 $1.23

$1.02 Rp 18.6K

20.59%

Water (1.5 liter bottle)

$1.54 $1.54

$0.52 Rp 9,475

196.15%

Cigarettes 20 Pack (Marlboro, Camel)

$11.71 $11.71

$2.20 Rp 39.9K

432.27%

Wine (Bottle)

$3.89 $3.89

$21.79 Rp 395.2K

-82.15%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.33 Rp 42.2K

-27.04%

Imported Beer (0.33 liter bottle)

$4.43 $4.43

$2.97 Rp 53.9K

49.16%

One-way Ticket (Public Transport)

$2.03 $2.03

$0.25 Rp 4,542

712.00%

Public Transport Monthly Pass (Regular Price)

$61.1 $61.1

$8.17 Rp 148.3K

647.37%

Taxi Start (Normal Tariff)

$3.57 $3.57

$0.44 Rp 7,941

711.36%

Taxi (Normal Tariff) (1km)

$0.95 $0.95

$0.47 Rp 8,489

102.13%

Taxi 1hour Waiting (Normal Tariff)

$28.53 $28.53

$5.60 Rp 101.6K

409.46%

Gasoline (1 liter)

$1.40 $1.40

$0.83 Rp 15.0K

68.67%

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

$22.0K $22.0K

$24.4K Rp 443.5M

-9.94%

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

$25.3K $25.3K

$31.7K Rp 575.0M

-20.14%

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

$292 $292

$77.5 Rp 1.4M

276.87%

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

$34.47 $34.47

$6.14 Rp 111.5K

461.40%

Internet (50+ Mbps, Unlimited Data)

$30.38 $30.38

$18.92 Rp 343.1K

60.57%

Gym Membership (Monthly)

$39.94 $39.94

$51.0 Rp 925.0K

-21.67%

Tennis Court (1 Hour on Weekend)

$15.07 $15.07

$18.25 Rp 331.0K

-17.42%

Cinema Ticket

$7.86 $7.86

$4.38 Rp 79.5K

79.45%

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

$1,381 $1,381

$492 Rp 8.9M

180.40%

International Primary School, 1 Child (Yearly)

$20.8K $20.8K

$12.2K Rp 221.7M

70.36%

Jeans (Levis 501 Or Similar)

$40.65 $40.65

$45.16 Rp 819.2K

-9.99%

Summer Dress (H&M, Zara, etc)

$25.48 $25.48

$34.89 Rp 632.9K

-26.97%

Sport Shoes (Adidas, Nike)

$73.6 $73.6

$78.3 Rp 1.4M

-5.99%

Men's Leather Business Shoes

$149 $149

$77.9 Rp 1.4M

91.46%

1-bedroom Apartment, City Center (Monthly)

$1,586 $1,586

$1,078 Rp 19.5M

47.18%

1-bedroom Apartment, Outside City Center (Monthly)

$1,261 $1,261

$665 Rp 12.1M

89.70%

3-bedroom Apartment, City Center (Monthly)

$2,599 $2,599

$3,510 Rp 63.7M

-25.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,078 $2,078

$1,671 Rp 30.3M

24.37%

Buy Apartment in City Center (m2)

$2,482 $2,482

$2,340 Rp 42.4M

6.07%

Buy Apartment Outside City Center (m2)

$2,389 $2,389

$2,236 Rp 40.6M

6.84%

Average Monthly Net Salary (After Tax)

$7,921 $7,921

$166 Rp 3.0M

4661.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-56.46%

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

Last update for Saratoga, CA: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Saratoga, CA

$1.3K 51%

Ubud, Bali

$665 50% 47.3% $596

Monthly Utilities & Internet

Saratoga, CA

$357 14.4%

Ubud, Bali

$103 7.7% 71.3% $254

Eating Out

Saratoga, CA

$339 13.7%

Ubud, Bali

$106 8% 68.8% $233

Groceries & Markets

Saratoga, CA

$251 10.2%

Ubud, Bali

$279 21% 11.4% $29

Clothing & Footwear

Saratoga, CA

$130 5.3%

Ubud, Bali

$106 8% 18.2% $24

Getting Around

Saratoga, CA

$78 3.1%

Ubud, Bali

$12 0.9% 84.6% $66

Sport & Entertainment

Saratoga, CA

$56 2.3%

Ubud, Bali

$60 4.5% 7.4% $4.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,586 in Saratoga, CA and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Saratoga, CA pays about 48 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $112 in Saratoga, CA vs $35 in Ubud, Bali. Groceries flip the comparison at $251 vs $279, with Saratoga, CA cheaper for home cooking.

Good to know

🇺🇸 Saratoga, CA

🇮🇩 Ubud, Bali

🕒 Local time

02:07 2:07 AM

18:07 6:07 PM

16 h ahead of Saratoga, CA

🌤 Weather

👥 Population

30,153

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 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 5, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,384 IDR (100,000 IDR = 4.91 EUR).

IDR to USD in detail →

On the map

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Between locations

Saratoga, CA Ubud, Bali 13,450 km ≈ 17 h nonstop flight

From you

Saratoga, 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

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

Ubud, Bali wins on cost – living expenses run 46% lower than in Saratoga, CA. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Saratoga, CA is about 48 times higher, 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: $1,586 in Saratoga, CA versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $112 in Saratoga, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,471 per month in Saratoga, CA versus $1,331 in Ubud, Bali – Ubud, Bali is about 46% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Saratoga, CA and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Saratoga, CA on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.