Last update: Oct 2026

Cost of Living Comparison Between St. Andrews and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,285 in St. Andrews, rent and utilities included – about $11,200 less a year. Rent and utilities account for most of the difference.

110

Cost of Living Index in St. Andrews
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St. Andrews Living Index
66

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

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St. Andrews

🇬🇧 United Kingdom

$2,285

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $2,285 per month in St. Andrews vs $1,353 in Ubud, Bali, rent included.

St. Andrews $2,285
Ubud, Bali $1,353

A couple spends around $3,891 per month in St. Andrews vs $2,297 in Ubud, Bali, rent included.

St. Andrews $3,891
Ubud, Bali $2,297

A family of three spends $5,496 per month in St. Andrews vs $3,241 in Ubud, Bali, rent included.

St. Andrews $5,496
Ubud, Bali $3,241

St. Andrews costs about 69% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both St. Andrews and Ubud, Bali sit above the global median – St. Andrews by 69%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$21.15 £15.87

$3.23 Rp 58.1K

554.80%

Three-Course Dinner for Two, Mid-Range

$87.9 £65.9

$34.88 Rp 627.8K

151.92%

Fast Food Meal (McDonalds, etc)

$10.51 £7.89

$5.70 Rp 102.5K

84.39%

Cappuccino

$4.61 £3.46

$2.62 Rp 47.1K

75.95%

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

$2.84 £2.13

$1.72 Rp 31.0K

65.12%

Water (0.33 liter bottle)

$2.10 £1.57

$0.81 Rp 14.6K

159.26%

Local Beer (0.5 liter draught)

$6.76 £5.07

$2.65 Rp 47.7K

155.09%

Imported Beer (0.33 liter bottle)

$6.76 £5.07

$4.37 Rp 78.6K

54.69%

Milk (1 liter)

$1.51 £1.13

$1.57 Rp 28.3K

-3.82%

White Bread (500g)

$1.71 £1.28

$2.19 Rp 39.5K

-21.92%

Rice (white) (1kg)

$2.03 £1.52

$1.18 Rp 21.2K

72.03%

Eggs

$4.49 £3.37

$2.16 Rp 38.8K

107.87%

Local Cheese (1kg)

$7.37 £5.53

$17.65 Rp 317.7K

-58.24%

Chicken Fillets (1kg)

$9.65 £7.24

$3.78 Rp 68.0K

155.29%

Beef Round Steak (1kg)

$15.41 £11.56

$11.95 Rp 215.1K

28.95%

Apples (1kg)

$2.50 £1.88

$3.60 Rp 64.8K

-30.56%

Banana (1kg)

$1.33 £1.00

$1.59 Rp 28.6K

-16.35%

Oranges (1kg)

$2.76 £2.07

$2.31 Rp 41.6K

19.48%

Tomato (1kg)

$2.86 £2.15

$1.91 Rp 34.3K

49.74%

Potato (1kg)

$1.69 £1.27

$1.78 Rp 32.1K

-5.06%

Onion (1kg)

$1.52 £1.14

$2.33 Rp 41.9K

-34.76%

Lettuce (1 head)

$1.20 £0.90

$1.00 Rp 18.0K

20.00%

Water (1.5 liter bottle)

$2.46 £1.85

$0.53 Rp 9,509

364.15%

Cigarettes 20 Pack (Marlboro, Camel)

$22.57 £16.93

$2.29 Rp 41.1K

885.59%

Wine (Bottle)

$10.86 £8.15

$22.07 Rp 397.3K

-50.79%

Local Beer (0.5 liter bottle)

$2.70 £2.03

$2.35 Rp 42.2K

14.89%

Imported Beer (0.33 liter bottle)

$2.98 £2.24

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$4.79 £3.59

$0.23 Rp 4,112

1982.61%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$4.05 £3.04

$0.47 Rp 8,466

761.70%

Taxi (Normal Tariff) (1km)

$2.44 £1.83

$0.43 Rp 7,737

467.44%

Taxi 1hour Waiting (Normal Tariff)

$23.73 £17.80

$5.47 Rp 98.4K

333.82%

Gasoline (1 liter)

$2.10 £1.58

$0.83 Rp 14.9K

153.01%

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

$38.3K £28.7K

$23.9K Rp 429.8M

60.46%

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

$41.2K £30.9K

$32.8K Rp 590.1M

25.61%

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

$243 £182

$80.0 Rp 1.4M

203.36%

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

$13.40 £10.06

$6.56 Rp 118.1K

104.27%

Internet (50+ Mbps, Unlimited Data)

$41.64 £31.24

$18.60 Rp 334.8K

123.87%

Gym Membership (Monthly)

$91.6 £68.7

$54.1 Rp 974.1K

69.16%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$13.06 £9.80

$4.25 Rp 76.5K

207.29%

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

$1,806 £1,355

$493 Rp 8.9M

266.63%

International Primary School, 1 Child (Yearly)

$22.8K £17.1K

$5,597 Rp 100.7M

307.21%

Jeans (Levis 501 Or Similar)

$95.6 £71.7

$45.58 Rp 820.4K

109.81%

Summer Dress (H&M, Zara, etc)

$48.97 £36.74

$34.96 Rp 629.4K

40.07%

Sport Shoes (Adidas, Nike)

$104 £77.8

$77.7 Rp 1.4M

33.34%

Men's Leather Business Shoes

$88.5 £66.4

$78.5 Rp 1.4M

12.76%

1-bedroom Apartment, City Center (Monthly)

$1,366 £1,025

$1,131 Rp 20.4M

20.77%

1-bedroom Apartment, Outside City Center (Monthly)

$1,055 £792

$673 Rp 12.1M

56.84%

3-bedroom Apartment, City Center (Monthly)

$3,104 £2,329

$3,613 Rp 65.0M

-14.08%

3-bedroom Apartment, Outside City Center (Monthly)

$2,743 £2,058

$1,702 Rp 30.6M

61.20%

Buy Apartment in City Center (m2)

$6,137 £4,604

$2,717 Rp 48.9M

125.83%

Buy Apartment Outside City Center (m2)

$2,718 £2,039

$2,241 Rp 40.3M

21.27%

Average Monthly Net Salary (After Tax)

$3,397 £2,548

$166 Rp 3.0M

1941.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.41

13.78

-60.74%

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

Last update for St. Andrews: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

St. Andrews

$1.1K 46.2%

Ubud, Bali

$673 49.7% 36.2% $382

Eating Out

St. Andrews

$323 14.1%

Ubud, Bali

$106 7.9% 67.1% $217

Groceries & Markets

St. Andrews

$304 13.3%

Ubud, Bali

$287 21.2% 5.6% $17

Monthly Utilities & Internet

St. Andrews

$298 13%

Ubud, Bali

$105 7.8% 64.7% $193

Clothing & Footwear

St. Andrews

$152 6.6%

Ubud, Bali

$107 7.9% 29.7% $45

Sport & Entertainment

St. Andrews

$118 5.2%

Ubud, Bali

$63 4.6% 46.8% $55

Getting Around

St. Andrews

$35 * 1.6%

Ubud, Bali

$12 0.9% 64.9% $23

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

Cost Breakdown

A central one-bedroom costs $1,366 in St. Andrews versus $1,131 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1942% higher in St. Andrews, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $88.0 in St. Andrews versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $304 vs $287 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇬🇧 St. Andrews

🇮🇩 Ubud, Bali

🕒 Local time

01:26 1:26 AM

08:26 8:26 AM

7 h ahead of St. Andrews

🌤 Weather

👥 Population

16,460

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 22, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 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).

USD to GBP in detail →

On the map

Lowest

Highest

Between locations

St. Andrews Ubud, Bali 12,500 km ≈ 16 h nonstop flight

From you

St. Andrews
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

St. Andrews vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,285 in St. Andrews, $1,353 in Ubud, Bali – roughly 69% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,428 per month in St. Andrews and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $88.0 in St. Andrews and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 6% more in St. Andrews, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in St. Andrews at $2,285. In Ubud, Bali it covers expenses comfortably, while in St. Andrews it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,353 in Ubud, Bali to $2,285 in St. Andrews. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, St. Andrews makes more sense. Both are solid long-term options with distinct trade-offs.