Cost of Living Comparison Between Saratoga Springs, NY and Ubud, Bali Cost of Living Comparison Between Saratoga Springs, NY and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,874 in Saratoga Springs, NY versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $4,042 in Saratoga Springs, NY versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $5,211 in Saratoga Springs, NY versus $3,273 in Ubud, Bali.

Living in Saratoga Springs, NY is roughly 106% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Saratoga Springs, NY 109% above, Ubud, Bali 2% above.

Meal at Budget Restaurant

$18.31 $18.31

$3.37 Rp 59.9K

443.32%

Three-Course Dinner for Two, Mid-Range

$77.4 $77.4

$38.59 Rp 685.5K

100.60%

Fast Food Meal (McDonalds, etc)

$8.18 $8.18

$5.52 Rp 98.1K

48.19%

Cappuccino

$5.52 $5.52

$2.64 Rp 47.0K

109.09%

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

$2.64 $2.64

$1.67 Rp 29.7K

58.08%

Water (0.33 liter bottle)

$1.90 $1.90

$0.77 Rp 13.7K

146.75%

Local Beer (0.5 liter draught)

$6.69 $6.69

$2.63 Rp 46.8K

154.37%

Imported Beer (0.33 liter bottle)

$7.70 $7.70

$4.28 Rp 76.1K

79.91%

Milk (1 liter)

$0.96 $0.96

$1.55 Rp 27.5K

-38.06%

White Bread (500g)

$3.43 $3.43

$2.22 Rp 39.5K

54.50%

Rice (white) (1kg)

$4.48 $4.48

$1.13 Rp 20.0K

296.46%

Eggs

$3.95 $3.95

$2.09 Rp 37.1K

89.00%

Local Cheese (1kg)

$11.18 $11.18

$17.39 Rp 309.0K

-35.71%

Chicken Fillets (1kg)

$13.51 $13.51

$3.87 Rp 68.7K

249.10%

Beef Round Steak (1kg)

$17.85 $17.85

$12.55 Rp 222.9K

42.23%

Apples (1kg)

$6.47 $6.47

$3.62 Rp 64.2K

78.73%

Banana (1kg)

$1.38 $1.38

$1.56 Rp 27.7K

-11.54%

Oranges (1kg)

$5.17 $5.17

$2.35 Rp 41.8K

120.00%

Tomato (1kg)

$6.79 $6.79

$2.06 Rp 36.5K

229.61%

Potato (1kg)

$3.01 $3.01

$1.90 Rp 33.7K

58.42%

Onion (1kg)

$3.37 $3.37

$2.34 Rp 41.5K

44.02%

Lettuce (1 head)

$2.36 $2.36

$1.03 Rp 18.3K

129.13%

Water (1.5 liter bottle)

$2.75 $2.75

$0.55 Rp 9,854

400.00%

Cigarettes 20 Pack (Marlboro, Camel)

$12.88 $12.88

$2.25 Rp 40.0K

472.44%

Wine (Bottle)

$15.04 $15.04

$23.81 Rp 422.9K

-36.83%

Local Beer (0.5 liter bottle)

$3.05 $3.05

$2.31 Rp 41.1K

32.03%

Imported Beer (0.33 liter bottle)

$4.77 $4.77

$2.80 Rp 49.8K

70.36%

One-way Ticket (Public Transport)

$0.27 Rp 4,839

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.9K

Taxi Start (Normal Tariff)

$3.96 $3.96

$0.48 Rp 8,554

725.00%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$0.45 Rp 7,924

388.89%

Taxi 1hour Waiting (Normal Tariff)

$30.41 $30.41

$5.72 Rp 101.6K

431.64%

Gasoline (1 liter)

$0.94 $0.94

$0.76 Rp 13.5K

23.68%

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

$34.4K $34.4K

$24.5K Rp 434.9M

40.36%

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

$25.3K $25.3K

$32.1K Rp 570.6M

-21.32%

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

$235 $235

$83.6 Rp 1.5M

181.60%

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

$51.6 $51.6

$6.46 Rp 114.7K

698.30%

Internet (50+ Mbps, Unlimited Data)

$57.5 $57.5

$18.99 Rp 337.4K

202.84%

Gym Membership (Monthly)

$60.7 $60.7

$56.0 Rp 994.4K

8.52%

Tennis Court (1 Hour on Weekend)

$19.98 $19.98

$18.62 Rp 330.7K

7.30%

Cinema Ticket

$15.21 $15.21

$4.28 Rp 76.1K

255.37%

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

$1,398 $1,398

$487 Rp 8.6M

187.31%

International Primary School, 1 Child (Yearly)

$17.7K $17.7K

$5,856 Rp 104.0M

203.01%

Jeans (Levis 501 Or Similar)

$55.1 $55.1

$45.56 Rp 809.3K

21.01%

Summer Dress (H&M, Zara, etc)

$48.24 $48.24

$36.38 Rp 646.3K

32.60%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$82.0 Rp 1.5M

16.84%

Men's Leather Business Shoes

$101 $101

$80.4 Rp 1.4M

25.36%

1-bedroom Apartment, City Center (Monthly)

$2,464 $2,464

$1,117 Rp 19.8M

120.63%

1-bedroom Apartment, Outside City Center (Monthly)

$1,574 $1,574

$701 Rp 12.5M

124.45%

3-bedroom Apartment, City Center (Monthly)

$3,020 $3,020

$3,537 Rp 62.8M

-14.62%

3-bedroom Apartment, Outside City Center (Monthly)

$2,212 $2,212

$1,762 Rp 31.3M

25.50%

Buy Apartment in City Center (m2)

$2,826 Rp 50.2M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.7M

Average Monthly Net Salary (After Tax)

$5,030 $5,030

$170 Rp 3.0M

2862.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.03

13.78

-56.24%

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

Last update for Saratoga Springs, NY: August 29, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,464 in Saratoga Springs, NY and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Saratoga Springs, NY pays 2863% 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: $77.0 in Saratoga Springs, NY vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $441 vs $293 per month, with Ubud, Bali cheaper across the board.

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 Springs, NY vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 106% lower than in Saratoga Springs, NY. 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 runs 2863% higher in Saratoga Springs, NY, 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: $2,464 in Saratoga Springs, NY versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 51% higher in Saratoga Springs, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,874 per month in Saratoga Springs, NY versus $1,396 in Ubud, Bali – a 106% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,396 in Ubud, Bali versus $2,874 in Saratoga Springs, NY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saratoga Springs, NY. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,396 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Saratoga Springs, NY 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 106% less than in Saratoga Springs, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.