Last update: Oct 2026

Cost of Living Comparison Between Spanish Town and Ubud, Bali

For one person, living is cheaper in Spanish Town: $1,009 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

48

Cost of Living Index in Spanish Town
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Spanish Town Living Index
65

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

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Spanish Town

🇯🇲 Jamaica

$1,009

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,009 in Spanish Town versus $1,349 in Ubud, Bali.

Spanish Town $1,009
Ubud, Bali $1,349

Estimated couple costs with rent: $1,922 in Spanish Town versus $2,305 in Ubud, Bali.

Spanish Town $1,922
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,834 in Spanish Town versus $3,261 in Ubud, Bali.

Spanish Town $2,834
Ubud, Bali $3,261

Living in Spanish Town costs roughly 25% less than in Ubud, Bali, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$13.69 JMD 2,163

$3.32 Rp 60.3K

312.35%

Three-Course Dinner for Two, Mid-Range

$74.3 JMD 11.7K

$35.64 Rp 646.7K

108.53%

Fast Food Meal (McDonalds, etc)

$8.42 JMD 1,331

$5.53 Rp 100.4K

52.26%

Cappuccino

$5.23 JMD 826

$2.72 Rp 49.3K

92.28%

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

$1.16 JMD 183

$1.70 Rp 30.9K

-31.76%

Water (0.33 liter bottle)

$0.74 JMD 118

$0.76 Rp 13.8K

-2.63%

Local Beer (0.5 liter draught)

$2.19 JMD 346

$2.65 Rp 48.2K

-17.36%

Imported Beer (0.33 liter bottle)

$3.17 JMD 500

$4.38 Rp 79.5K

-27.63%

Milk (1 liter)

$4.21 JMD 666

$1.49 Rp 27.1K

182.55%

White Bread (500g)

$3.69 JMD 583

$2.28 Rp 41.3K

61.84%

Rice (white) (1kg)

$1.64 JMD 260

$1.19 Rp 21.6K

37.82%

Eggs

$3.53 JMD 558

$2.04 Rp 36.9K

73.04%

Local Cheese (1kg)

$11.42 JMD 1,804

$17.70 Rp 321.2K

-35.48%

Chicken Fillets (1kg)

$6.34 JMD 1,002

$3.96 Rp 71.9K

60.10%

Beef Round Steak (1kg)

$10.17 JMD 1,607

$12.19 Rp 221.2K

-16.57%

Apples (1kg)

$6.07 JMD 959

$3.66 Rp 66.3K

65.85%

Banana (1kg)

$3.82 JMD 603

$1.52 Rp 27.5K

151.32%

Oranges (1kg)

$7.56 JMD 1,195

$2.23 Rp 40.4K

239.01%

Tomato (1kg)

$2.97 JMD 469

$1.97 Rp 35.8K

50.76%

Potato (1kg)

$3.23 JMD 510

$1.85 Rp 33.5K

74.59%

Onion (1kg)

$2.03 JMD 321

$2.42 Rp 44.0K

-16.12%

Lettuce (1 head)

$3.13 JMD 494

$0.99 Rp 18.0K

216.16%

Water (1.5 liter bottle)

$1.46 JMD 230

$0.51 Rp 9,316

186.27%

Cigarettes 20 Pack (Marlboro, Camel)

$9.58 JMD 1,513

$2.22 Rp 40.3K

331.53%

Wine (Bottle)

$11.44 JMD 1,807

$22.24 Rp 403.6K

-48.56%

Local Beer (0.5 liter bottle)

$2.88 JMD 456

$2.26 Rp 41.0K

27.43%

Imported Beer (0.33 liter bottle)

$3.91 JMD 617

$2.97 Rp 53.9K

31.65%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

Taxi Start (Normal Tariff)

$1.28 JMD 203

$0.44 Rp 7,975

190.91%

Taxi (Normal Tariff) (1km)

$3.11 JMD 491

$0.43 Rp 7,804

623.26%

Taxi 1hour Waiting (Normal Tariff)

$6.21 JMD 980

$5.41 Rp 98.2K

14.79%

Gasoline (1 liter)

$1.41 JMD 223

$0.82 Rp 15.0K

71.95%

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

$44.0K JMD 7.0M

$23.8K Rp 432.6M

84.71%

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

$32.5K JMD 5.1M

$31.7K Rp 576.1M

2.44%

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

$171 JMD 27.0K

$79.1 Rp 1.4M

115.99%

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

$28.96 JMD 4,575

$6.45 Rp 117.0K

348.99%

Internet (50+ Mbps, Unlimited Data)

$52.6 JMD 8,314

$18.58 Rp 337.1K

183.21%

Gym Membership (Monthly)

$49.48 Rp 897.9K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$13.32 JMD 2,105

$4.27 Rp 77.6K

211.94%

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

$360 JMD 56.9K

$491 Rp 8.9M

-26.56%

International Primary School, 1 Child (Yearly)

$8,371 JMD 1.3M

$5,674 Rp 103.0M

47.53%

Jeans (Levis 501 Or Similar)

$23.26 JMD 3,674

$44.64 Rp 810.0K

-47.89%

Summer Dress (H&M, Zara, etc)

$31.95 JMD 5,048

$34.95 Rp 634.2K

-8.58%

Sport Shoes (Adidas, Nike)

$79.1 JMD 12.5K

$79.9 Rp 1.4M

-0.96%

Men's Leather Business Shoes

$104 JMD 16.5K

$79.4 Rp 1.4M

31.29%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$624 JMD 98.6K

$3,565 Rp 64.7M

-82.49%

3-bedroom Apartment, Outside City Center (Monthly)

$513 JMD 81.1K

$1,723 Rp 31.3M

-70.22%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$1,178 JMD 186.0K

$164 Rp 3.0M

618.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.45

13.78

-31.42%

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

Last update for Spanish Town: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Spanish Town

$383 38%

Ubud, Bali

$288 21.4% 24.8% $95

Monthly Utilities & Internet

Spanish Town

$252 25%

Ubud, Bali

$104 7.7% 58.8% $148

Eating Out

Spanish Town

$222 22%

Ubud, Bali

$108 8% 51.6% $115

Clothing & Footwear

Spanish Town

$107 10.6%

Ubud, Bali

$108 8% 0.1% $0.1

Sport & Entertainment

Spanish Town

$27 * 2.6%

Ubud, Bali

$58 4.3% 118% $31

Getting Around

Spanish Town

$17 * 1.7%

Ubud, Bali

$11 0.9% 32.1% $5.4

Accommodation & Living

Spanish Town

- * 0%

Ubud, Bali

$672 49.8%

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

Cost Breakdown

Spanish Town pays about 7.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $74 in Spanish Town vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $383 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇯🇲 Spanish Town

🇮🇩 Ubud, Bali

🕒 Local time

12:35 12:35 PM

01:35 1:35 AM

13 h ahead of Spanish Town

🌤 Weather

👥 Population

131,056

74,800

💱 Currency

Jamaican Dollar JMD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 JMD = 6.33 USD

1,000 JMD = 5.67 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to JMD – Jamaican Dollar Converter

🇺🇸 United States Dollar ($)

🇯🇲 Jamaican Dollar ($)

Jamaican Dollar exchange rates as of November 2, 2026: 1 USD = 158 JMD (1,000 JMD = 6.33 USD). 1 EUR = 176 JMD (1,000 JMD = 5.67 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

USD to JMD in detail →

On the map

Lowest

Highest

Between locations

Spanish Town Ubud, Bali 18,320 km ≈ 23 h nonstop flight

From you

Spanish Town
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

Spanish Town vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Spanish Town wins on cost – living expenses run 25% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Spanish Town the obvious pick if budget is a priority.

Average pay in Spanish Town is about 7.2 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Shoppers in Ubud, Bali pay roughly 25% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $1,009 per month in Spanish Town versus $1,349 in Ubud, Bali – Spanish Town is about 25% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Spanish Town 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.