Last update: Oct 2026

Cost of Living Comparison Between Somerset, KY and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,591 in Somerset, KY, rent and utilities included – about $2,900 less a year. The total is higher in Somerset, KY despite lower rent and utilities.

77

Cost of Living Index in Somerset, KY
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Somerset, KY Living Index
66

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

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Somerset, KY

🇺🇸 United States

$1,591

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,591 in Somerset, KY versus $1,353 in Ubud, Bali.

Somerset, KY $1,591
Ubud, Bali $1,353

Estimated couple costs with rent: $2,440 in Somerset, KY versus $2,297 in Ubud, Bali.

Somerset, KY $2,440
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,289 in Somerset, KY versus $3,241 in Ubud, Bali.

Somerset, KY $3,289
Ubud, Bali $3,241

Living in Somerset, KY is roughly 18% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Somerset, KY 17% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$14.84 $14.84

$3.23 Rp 58.1K

359.44%

Three-Course Dinner for Two, Mid-Range

$49.92 $49.92

$34.88 Rp 627.8K

43.12%

Fast Food Meal (McDonalds, etc)

$8.42 $8.42

$5.70 Rp 102.5K

47.72%

Cappuccino

$4.11 $4.11

$2.62 Rp 47.1K

56.87%

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

$2.30 $2.30

$1.72 Rp 31.0K

33.72%

Water (0.33 liter bottle)

$1.65 $1.65

$0.81 Rp 14.6K

103.70%

Local Beer (0.5 liter draught)

$3.45 $3.45

$2.65 Rp 47.7K

30.19%

Imported Beer (0.33 liter bottle)

$4.08 $4.08

$4.37 Rp 78.6K

-6.64%

Milk (1 liter)

$0.88 $0.88

$1.57 Rp 28.3K

-43.95%

White Bread (500g)

$2.83 $2.83

$2.19 Rp 39.5K

29.22%

Rice (white) (1kg)

$3.80 $3.80

$1.18 Rp 21.2K

222.03%

Eggs

$4.22 $4.22

$2.16 Rp 38.8K

95.37%

Local Cheese (1kg)

$6.80 $6.80

$17.65 Rp 317.7K

-61.47%

Chicken Fillets (1kg)

$8.59 $8.59

$3.78 Rp 68.0K

127.25%

Beef Round Steak (1kg)

$13.43 $13.43

$11.95 Rp 215.1K

12.38%

Apples (1kg)

$5.65 $5.65

$3.60 Rp 64.8K

56.94%

Banana (1kg)

$1.18 $1.18

$1.59 Rp 28.6K

-25.79%

Oranges (1kg)

$4.36 $4.36

$2.31 Rp 41.6K

88.74%

Tomato (1kg)

$4.81 $4.81

$1.91 Rp 34.3K

151.83%

Potato (1kg)

$2.63 $2.63

$1.78 Rp 32.1K

47.75%

Onion (1kg)

$3.18 $3.18

$2.33 Rp 41.9K

36.48%

Lettuce (1 head)

$1.96 $1.96

$1.00 Rp 18.0K

96.00%

Water (1.5 liter bottle)

$1.54 $1.54

$0.53 Rp 9,509

190.57%

Cigarettes 20 Pack (Marlboro, Camel)

$5.83 $5.83

$2.29 Rp 41.1K

154.59%

Wine (Bottle)

$12.04 $12.04

$22.07 Rp 397.3K

-45.45%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$2.35 Rp 42.2K

-8.09%

Imported Beer (0.33 liter bottle)

$1.52 $1.52

$2.98 Rp 53.6K

-48.99%

One-way Ticket (Public Transport)

$1.80 $1.80

$0.23 Rp 4,112

682.61%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$3.70 $3.70

$0.47 Rp 8,466

687.23%

Taxi (Normal Tariff) (1km)

$1.22 $1.22

$0.43 Rp 7,737

183.72%

Taxi 1hour Waiting (Normal Tariff)

$24.77 $24.77

$5.47 Rp 98.4K

352.83%

Gasoline (1 liter)

$0.98 $0.98

$0.83 Rp 14.9K

18.07%

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

$25.3K $25.3K

$23.9K Rp 429.8M

5.86%

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

$26.7K $26.7K

$32.8K Rp 590.1M

-18.71%

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

$150 $150

$80.0 Rp 1.4M

87.42%

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

$78.2 $78.2

$6.56 Rp 118.1K

1091.31%

Internet (50+ Mbps, Unlimited Data)

$71.4 $71.4

$18.60 Rp 334.8K

284.09%

Gym Membership (Monthly)

$41.93 $41.93

$54.1 Rp 974.1K

-22.52%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$8.08 $8.08

$4.25 Rp 76.5K

90.12%

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

$648 $648

$493 Rp 8.9M

31.54%

International Primary School, 1 Child (Yearly)

$19.3K $19.3K

$5,597 Rp 100.7M

244.64%

Jeans (Levis 501 Or Similar)

$24.53 $24.53

$45.58 Rp 820.4K

-46.18%

Summer Dress (H&M, Zara, etc)

$30.24 $30.24

$34.96 Rp 629.4K

-13.50%

Sport Shoes (Adidas, Nike)

$55.7 $55.7

$77.7 Rp 1.4M

-28.32%

Men's Leather Business Shoes

$101 $101

$78.5 Rp 1.4M

28.22%

1-bedroom Apartment, City Center (Monthly)

$618 $618

$1,131 Rp 20.4M

-45.35%

1-bedroom Apartment, Outside City Center (Monthly)

$559 $559

$673 Rp 12.1M

-16.94%

3-bedroom Apartment, City Center (Monthly)

$1,072 $1,072

$3,613 Rp 65.0M

-70.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,064 $1,064

$1,702 Rp 30.6M

-37.47%

Buy Apartment in City Center (m2)

$2,734 $2,734

$2,717 Rp 48.9M

0.61%

Buy Apartment Outside City Center (m2)

$2,404 $2,404

$2,241 Rp 40.3M

7.25%

Average Monthly Net Salary (After Tax)

$4,640 $4,640

$166 Rp 3.0M

2688.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-63.72%

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

Last update for Somerset, KY: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Somerset, KY

$559 35.1%

Ubud, Bali

$673 49.7% 20.4% $114

Groceries & Markets

Somerset, KY

$328 20.6%

Ubud, Bali

$287 21.2% 12.5% $41

Monthly Utilities & Internet

Somerset, KY

$300 18.8%

Ubud, Bali

$105 7.8% 64.9% $194

Eating Out

Somerset, KY

$235 14.7%

Ubud, Bali

$106 7.9% 54.6% $128

Clothing & Footwear

Somerset, KY

$95 6%

Ubud, Bali

$107 7.9% 12.1% $12

Sport & Entertainment

Somerset, KY

$58 3.7%

Ubud, Bali

$63 4.6% 7.8% $4.5

Getting Around

Somerset, KY

$17 * 1.1%

Ubud, Bali

$12 0.9% 27% $4.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $618 in Somerset, KY and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Somerset, KY pays 2689% 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: $50.0 in Somerset, KY vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $328 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Somerset, KY

🇮🇩 Ubud, Bali

🕒 Local time

03:37 3:37 AM

15:37 3:37 PM

12 h ahead of Somerset, KY

🌤 Weather

👥 Population

11,924

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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 22, 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

Somerset, KY Ubud, Bali 16,260 km ≈ 21 h nonstop flight

From you

Somerset, KY
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

Somerset, KY vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and utilities. The 18% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2689% higher in Somerset, KY, 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: $618 in Somerset, KY versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $648 in Somerset, KY versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $50.0 in Somerset, KY. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,353 in Ubud, Bali versus $1,591 in Somerset, KY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Somerset, KY. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Somerset, KY, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Somerset, KY 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 18% less than in Somerset, KY. Beyond cost, consider language, visa policies, and how big the international community is in each city.