Last update: Oct 2026

Cost of Living Comparison Between Silver Spring, MD and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,701 in Silver Spring, MD, rent and utilities included – about $16,200 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Silver Spring, MD
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Silver Spring, MD Living Index
65

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

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Silver Spring, MD

🇺🇸 United States

$2,701

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,701 in Silver Spring, MD versus $1,349 in Ubud, Bali.

Silver Spring, MD $2,701
Ubud, Bali $1,349

Estimated couple costs with rent: $3,945 in Silver Spring, MD versus $2,305 in Ubud, Bali.

Silver Spring, MD $3,945
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $5,190 in Silver Spring, MD versus $3,261 in Ubud, Bali.

Silver Spring, MD $5,190
Ubud, Bali $3,261

Living in Silver Spring, MD is roughly 100% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$13.30 $13.30

$3.32 Rp 60.4K

300.60%

Three-Course Dinner for Two, Mid-Range

$89.1 $89.1

$35.64 Rp 647.8K

149.97%

Fast Food Meal (McDonalds, etc)

$7.38 $7.38

$5.53 Rp 100.6K

33.45%

Cappuccino

$5.92 $5.92

$2.72 Rp 49.4K

117.65%

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

$2.83 $2.83

$1.70 Rp 30.9K

66.47%

Water (0.33 liter bottle)

$2.47 $2.47

$0.76 Rp 13.8K

225.00%

Local Beer (0.5 liter draught)

$7.80 $7.80

$2.65 Rp 48.2K

194.34%

Imported Beer (0.33 liter bottle)

$8.41 $8.41

$4.38 Rp 79.6K

92.01%

Milk (1 liter)

$1.20 $1.20

$1.49 Rp 27.1K

-19.46%

White Bread (500g)

$4.41 $4.41

$2.28 Rp 41.4K

93.42%

Rice (white) (1kg)

$5.32 $5.32

$1.19 Rp 21.6K

347.06%

Eggs

$5.07 $5.07

$2.04 Rp 37.0K

148.53%

Local Cheese (1kg)

$16.40 $16.40

$17.70 Rp 321.7K

-7.34%

Chicken Fillets (1kg)

$15.44 $15.44

$3.96 Rp 72.0K

289.90%

Beef Round Steak (1kg)

$19.22 $19.22

$12.19 Rp 221.6K

57.67%

Apples (1kg)

$4.82 $4.82

$3.66 Rp 66.4K

31.69%

Banana (1kg)

$1.65 $1.65

$1.52 Rp 27.6K

8.55%

Oranges (1kg)

$4.61 $4.61

$2.23 Rp 40.5K

106.73%

Tomato (1kg)

$5.23 $5.23

$1.97 Rp 35.9K

165.48%

Potato (1kg)

$2.94 $2.94

$1.85 Rp 33.6K

58.92%

Onion (1kg)

$2.08 $2.08

$2.42 Rp 44.1K

-14.05%

Lettuce (1 head)

$2.11 $2.11

$0.99 Rp 18.0K

113.13%

Water (1.5 liter bottle)

$2.68 $2.68

$0.51 Rp 9,332

425.49%

Cigarettes 20 Pack (Marlboro, Camel)

$9.52 $9.52

$2.22 Rp 40.4K

328.83%

Wine (Bottle)

$15.02 $15.02

$22.24 Rp 404.2K

-32.46%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$2.26 Rp 41.1K

-24.34%

Imported Beer (0.33 liter bottle)

$2.78 $2.78

$2.97 Rp 54.0K

-6.40%

One-way Ticket (Public Transport)

$3.91 $3.91

$0.25 Rp 4,562

1464.00%

Public Transport Monthly Pass (Regular Price)

$87.7 $87.7

$7.82 Rp 142.2K

1020.84%

Taxi Start (Normal Tariff)

$3.91 $3.91

$0.44 Rp 7,989

788.64%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$0.43 Rp 7,817

181.40%

Taxi 1hour Waiting (Normal Tariff)

$25.03 $25.03

$5.41 Rp 98.3K

362.66%

Gasoline (1 liter)

$1.02 $1.02

$0.82 Rp 15.0K

24.39%

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

$27.5K $27.5K

$23.8K Rp 433.3M

15.22%

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

$25.3K $25.3K

$31.7K Rp 577.0M

-20.36%

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

$153 $153

$79.1 Rp 1.4M

93.21%

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

$48.89 $48.89

$6.45 Rp 117.2K

657.98%

Internet (50+ Mbps, Unlimited Data)

$62.0 $62.0

$18.58 Rp 337.7K

233.42%

Gym Membership (Monthly)

$26.12 $26.12

$49.48 Rp 899.4K

-47.21%

Tennis Court (1 Hour on Weekend)

$21.62 $21.62

$17.65 Rp 320.8K

22.49%

Cinema Ticket

$16.45 $16.45

$4.27 Rp 77.7K

285.25%

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

$1,901 $1,901

$491 Rp 8.9M

287.54%

International Primary School, 1 Child (Yearly)

$35.9K $35.9K

$5,674 Rp 103.1M

532.08%

Jeans (Levis 501 Or Similar)

$46.59 $46.59

$44.64 Rp 811.4K

4.37%

Summer Dress (H&M, Zara, etc)

$36.93 $36.93

$34.95 Rp 635.3K

5.67%

Sport Shoes (Adidas, Nike)

$101 $101

$79.9 Rp 1.5M

26.73%

Men's Leather Business Shoes

$121 $121

$79.4 Rp 1.4M

51.93%

1-bedroom Apartment, City Center (Monthly)

$1,884 $1,884

$1,125 Rp 20.4M

67.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,393 $1,393

$671 Rp 12.2M

107.40%

3-bedroom Apartment, City Center (Monthly)

$3,859 $3,859

$3,565 Rp 64.8M

8.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,154 $2,154

$1,723 Rp 31.3M

25.00%

Buy Apartment in City Center (m2)

$4,239 $4,239

$2,732 Rp 49.6M

55.18%

Buy Apartment Outside City Center (m2)

$3,104 $3,104

$2,284 Rp 41.5M

35.88%

Average Monthly Net Salary (After Tax)

$5,138 $5,138

$164 Rp 3.0M

3036.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.72

13.78

-51.23%

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

Last update for Silver Spring, MD: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Silver Spring, MD

$1.4K 51.6%

Ubud, Bali

$672 49.8% 51.8% $721

Groceries & Markets

Silver Spring, MD

$458 17%

Ubud, Bali

$288 21.4% 37% $170

Eating Out

Silver Spring, MD

$277 10.2%

Ubud, Bali

$108 8% 61.1% $169

Monthly Utilities & Internet

Silver Spring, MD

$264 9.8%

Ubud, Bali

$104 7.7% 60.5% $160

Clothing & Footwear

Silver Spring, MD

$137 5.1%

Ubud, Bali

$108 8% 21.8% $30

Getting Around

Silver Spring, MD

$113 4.2%

Ubud, Bali

$11 0.9% 89.9% $102

Sport & Entertainment

Silver Spring, MD

$59 2.2%

Ubud, Bali

$58 4.3% 1.7% $1

Cost Breakdown

A one-bedroom apartment in the center runs $1,884 in Silver Spring, MD and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Silver Spring, MD pays about 31 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $89 in Silver Spring, MD vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $458 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Silver Spring, MD

🇮🇩 Ubud, Bali

🕒 Local time

22:11 10:11 PM

10:11 10:11 AM

12 h ahead of Silver Spring, MD

🌤 Weather

👥 Population

71,452

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.898 EUR

100,000 IDR = 5.5 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 29, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Silver Spring, MD Ubud, Bali 16,410 km ≈ 21 h nonstop flight

From you

Silver Spring, MD
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

Silver Spring, MD vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 50% cheaper overall, especially in groceries, eating out, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Silver Spring, MD is about 31 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: $1,884 in Silver Spring, MD versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 59% higher in Silver Spring, MD. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $89 in Silver Spring, MD. If you eat out regularly, this makes a real dent in your monthly spending.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 50% less than in Silver Spring, MD. Beyond cost, consider language, visa policies, and how big the international community is in each city.