Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,865 in Somerset, NJ, rent and utilities included – about $30,000 less a year. Rent and utilities account for most of the difference.

189

Cost of Living Index in Somerset, NJ
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Somerset, NJ Living Index
67

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

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Somerset, NJ

🇺🇸 United States

$3,865

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,865 in Somerset, NJ versus $1,368 in Ubud, Bali.

Somerset, NJ $3,865
Ubud, Bali $1,368

Estimated couple costs with rent: $4,297 in Somerset, NJ versus $2,314 in Ubud, Bali.

Somerset, NJ $4,297
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $4,728 in Somerset, NJ versus $3,260 in Ubud, Bali.

Somerset, NJ $4,728
Ubud, Bali $3,260

Living in Somerset, NJ is roughly 183% 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, NJ 186% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$18.26 $18.26

$3.33 Rp 59.9K

448.35%

Three-Course Dinner for Two, Mid-Range

$39.28 $39.28

$35.18 Rp 633.2K

11.65%

Fast Food Meal (McDonalds, etc)

$8.16 $8.16

$5.80 Rp 104.5K

40.69%

Cappuccino

$4.89 $4.89

$2.73 Rp 49.1K

79.12%

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

$1.96 $1.96

$1.64 Rp 29.5K

19.51%

Water (0.33 liter bottle)

$1.47 $1.47

$0.83 Rp 15.0K

77.11%

Local Beer (0.5 liter draught)

$7.84 $7.84

$2.70 Rp 48.6K

190.37%

Imported Beer (0.33 liter bottle)

$7.13 $7.13

$4.30 Rp 77.4K

65.81%

Milk (1 liter)

$1.32 $1.32

$1.50 Rp 27.1K

-12.00%

White Bread (500g)

$4.38 $4.38

$2.30 Rp 41.4K

90.43%

Rice (white) (1kg)

$6.12 $6.12

$1.18 Rp 21.2K

418.64%

Eggs

$2.02 $2.02

$2.14 Rp 38.6K

-5.61%

Local Cheese (1kg)

$13.28 $13.28

$17.48 Rp 314.6K

-24.03%

Chicken Fillets (1kg)

$10.19 $10.19

$4.03 Rp 72.5K

152.85%

Beef Round Steak (1kg)

$19.45 $19.45

$12.23 Rp 220.1K

59.04%

Apples (1kg)

$6.07 $6.07

$3.55 Rp 63.9K

70.99%

Banana (1kg)

$3.49 $3.49

$1.57 Rp 28.3K

122.29%

Oranges (1kg)

$4.32 $4.32

$2.24 Rp 40.2K

92.86%

Tomato (1kg)

$5.43 $5.43

$1.93 Rp 34.7K

181.35%

Potato (1kg)

$3.04 $3.04

$1.88 Rp 33.9K

61.70%

Onion (1kg)

$3.04 $3.04

$2.29 Rp 41.3K

32.75%

Lettuce (1 head)

$2.43 $2.43

$0.99 Rp 17.9K

145.45%

Water (1.5 liter bottle)

$2.97 $2.97

$0.53 Rp 9,475

460.38%

Cigarettes 20 Pack (Marlboro, Camel)

$17.39 $17.39

$2.28 Rp 41.1K

662.72%

Wine (Bottle)

$15.25 $15.25

$23.01 Rp 414.2K

-33.72%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.34 Rp 42.2K

-23.93%

Imported Beer (0.33 liter bottle)

$3.52 $3.52

$2.91 Rp 52.4K

20.96%

One-way Ticket (Public Transport)

$1.95 $1.95

$0.24 Rp 4,315

712.50%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.94 $2.94

$0.48 Rp 8,684

512.50%

Taxi (Normal Tariff) (1km)

$2.23 $2.23

$0.46 Rp 8,233

384.78%

Taxi 1hour Waiting (Normal Tariff)

$41.34 $41.34

$5.45 Rp 98.2K

658.53%

Gasoline (1 liter)

$1.10 $1.10

$0.88 Rp 15.9K

25.00%

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

$36.0K $36.0K

$24.6K Rp 442.2M

46.47%

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

$25.3K $25.3K

$31.2K Rp 561.4M

-18.92%

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

$173 $173

$83.0 Rp 1.5M

108.49%

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

$50.0 $50.0

$6.45 Rp 116.0K

675.19%

Internet (50+ Mbps, Unlimited Data)

$49.14 $49.14

$18.57 Rp 334.2K

164.62%

Gym Membership (Monthly)

$40.91 $40.91

$55.8 Rp 1.0M

-26.71%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$20.32 $20.32

$4.38 Rp 78.9K

363.93%

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

$2,016 $2,016

$493 Rp 8.9M

309.02%

International Primary School, 1 Child (Yearly)

$16.3K $16.3K

$5,754 Rp 103.6M

183.18%

Jeans (Levis 501 Or Similar)

$50.2 $50.2

$46.19 Rp 831.4K

8.70%

Summer Dress (H&M, Zara, etc)

$40.93 $40.93

$35.33 Rp 636.0K

15.85%

Sport Shoes (Adidas, Nike)

$85.3 $85.3

$79.1 Rp 1.4M

7.79%

Men's Leather Business Shoes

$104 $104

$78.4 Rp 1.4M

32.47%

1-bedroom Apartment, City Center (Monthly)

$1,599 $1,599

$1,142 Rp 20.6M

39.99%

1-bedroom Apartment, Outside City Center (Monthly)

$2,626 $2,626

$676 Rp 12.2M

288.63%

3-bedroom Apartment, City Center (Monthly)

$2,527 $2,527

$3,503 Rp 63.1M

-27.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,114 $2,114

$1,700 Rp 30.6M

24.34%

Buy Apartment in City Center (m2)

$2,767 $2,767

$2,784 Rp 50.1M

-0.62%

Buy Apartment Outside City Center (m2)

$2,399 $2,399

$2,241 Rp 40.3M

7.05%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.8

13.78

-50.65%

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

Last update for Somerset, NJ: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Somerset, NJ

$2.6K 67.9%

Ubud, Bali

$676 49.4% 74.3% $2K

Groceries & Markets

Somerset, NJ

$441 11.4%

Ubud, Bali

$290 21.2% 34.2% $151

Eating Out

Somerset, NJ

$296 7.7%

Ubud, Bali

$109 8% 63.3% $188

Monthly Utilities & Internet

Somerset, NJ

$272 7%

Ubud, Bali

$108 7.9% 60.3% $164

Clothing & Footwear

Somerset, NJ

$126 3.3%

Ubud, Bali

$108 7.9% 14.7% $19

Sport & Entertainment

Somerset, NJ

$82 2.1%

Ubud, Bali

$65 4.7% 20.8% $17

Getting Around

Somerset, NJ

$22 * 0.6%

Ubud, Bali

$13 0.9% 42.6% $9.3

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 $1,599 in Somerset, NJ and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $39.00 in Somerset, NJ vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $441 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Somerset, NJ

🇮🇩 Ubud, Bali

🕒 Local time

02:50 2:50 AM

14:50 2:50 PM

12 h ahead of Somerset, NJ

🌤 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 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 →

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Somerset, NJ Ubud, Bali 16,330 km ≈ 21 h nonstop flight

From you

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 183% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $5,798 in Somerset, NJ and $2,051 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,599 in Somerset, NJ versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 52% higher in Somerset, NJ. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,865 per month in Somerset, NJ versus $1,368 in Ubud, Bali – a 183% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $3,865 in Somerset, NJ, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Somerset, NJ. 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, NJ, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Somerset, NJ 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 183% less than in Somerset, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.