Cost of Living Comparison Between St. Cloud, MN and Ubud, Bali Cost of Living Comparison Between St. Cloud, MN and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,917 in St. Cloud, MN versus $1,374 in Ubud, Bali.

Estimated couple costs with rent: $3,074 in St. Cloud, MN versus $2,313 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,231 in St. Cloud, MN versus $3,252 in Ubud, Bali.

Living in St. Cloud, MN is roughly 39% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: St. Cloud, MN 42% above, Ubud, Bali 2% above.

Meal at Budget Restaurant

$20.08 $20.08

$3.32 Rp 59.6K

504.82%

Three-Course Dinner for Two, Mid-Range

$75.3 $75.3

$35.33 Rp 633.8K

113.25%

Fast Food Meal (McDonalds, etc)

$11.12 $11.12

$5.33 Rp 95.7K

108.63%

Cappuccino

$6.08 $6.08

$2.75 Rp 49.4K

121.09%

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

$2.78 $2.78

$1.73 Rp 31.0K

60.69%

Water (0.33 liter bottle)

$2.54 $2.54

$0.80 Rp 14.3K

217.50%

Local Beer (0.5 liter draught)

$7.12 $7.12

$2.95 Rp 52.9K

141.36%

Imported Beer (0.33 liter bottle)

$7.77 $7.77

$4.44 Rp 79.6K

75.00%

Milk (1 liter)

$0.83 $0.83

$1.50 Rp 26.9K

-44.67%

White Bread (500g)

$2.72 $2.72

$2.30 Rp 41.2K

18.26%

Rice (white) (1kg)

$3.36 $3.36

$1.10 Rp 19.7K

205.45%

Eggs

$2.21 $2.21

$2.16 Rp 38.7K

2.31%

Local Cheese (1kg)

$4.76 $4.76

$17.09 Rp 306.5K

-72.15%

Chicken Fillets (1kg)

$9.33 $9.33

$3.88 Rp 69.6K

140.46%

Beef Round Steak (1kg)

$17.63 $17.63

$11.92 Rp 213.8K

47.90%

Apples (1kg)

$3.81 $3.81

$3.57 Rp 64.0K

6.72%

Banana (1kg)

$1.36 $1.36

$1.58 Rp 28.4K

-13.92%

Oranges (1kg)

$3.40 $3.40

$2.36 Rp 42.4K

44.07%

Tomato (1kg)

$2.18 $2.18

$1.97 Rp 35.3K

10.66%

Potato (1kg)

$0.79 $0.79

$1.81 Rp 32.4K

-56.35%

Onion (1kg)

$1.62 $1.62

$2.39 Rp 42.9K

-32.22%

Lettuce (1 head)

$2.06 $2.06

$1.02 Rp 18.3K

101.96%

Water (1.5 liter bottle)

$1.90 $1.90

$0.49 Rp 8,815

287.76%

Cigarettes 20 Pack (Marlboro, Camel)

$9.96 $9.96

$2.25 Rp 40.3K

342.67%

Wine (Bottle)

$11.79 $11.79

$22.30 Rp 400.0K

-47.13%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.37 Rp 42.5K

-28.69%

Imported Beer (0.33 liter bottle)

$3.30 $3.30

$2.90 Rp 51.9K

13.79%

One-way Ticket (Public Transport)

$2.06 $2.06

$0.25 Rp 4,469

724.00%

Public Transport Monthly Pass (Regular Price)

$8.55 Rp 153.4K

Taxi Start (Normal Tariff)

$2.66 $2.66

$0.44 Rp 7,927

504.55%

Taxi (Normal Tariff) (1km)

$1.81 $1.81

$0.42 Rp 7,575

330.95%

Taxi 1hour Waiting (Normal Tariff)

$25.02 $25.02

$5.66 Rp 101.6K

342.05%

Gasoline (1 liter)

$0.88 $0.88

$0.81 Rp 14.6K

8.64%

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

$32.9K $32.9K

$23.7K Rp 425.9M

38.48%

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

$28.9K $28.9K

$31.0K Rp 555.7M

-6.65%

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

$168 $168

$82.3 Rp 1.5M

104.59%

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

$46.90 $46.90

$6.30 Rp 113.0K

644.44%

Internet (50+ Mbps, Unlimited Data)

$44.45 $44.45

$18.63 Rp 334.3K

138.59%

Gym Membership (Monthly)

$42.41 $42.41

$54.7 Rp 981.8K

-22.51%

Tennis Court (1 Hour on Weekend)

$18.45 Rp 330.9K

Cinema Ticket

$13.86 $13.86

$4.24 Rp 76.0K

226.89%

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

$1,751 $1,751

$484 Rp 8.7M

261.78%

International Primary School, 1 Child (Yearly)

$24.6K $24.6K

$5,590 Rp 100.3M

339.89%

Jeans (Levis 501 Or Similar)

$63.2 $63.2

$45.77 Rp 821.1K

37.97%

Summer Dress (H&M, Zara, etc)

$61.7 $61.7

$35.69 Rp 640.3K

72.74%

Sport Shoes (Adidas, Nike)

$73.0 $73.0

$78.3 Rp 1.4M

-6.76%

Men's Leather Business Shoes

$83.8 $83.8

$80.1 Rp 1.4M

4.54%

1-bedroom Apartment, City Center (Monthly)

$979 $979

$1,147 Rp 20.6M

-14.62%

1-bedroom Apartment, Outside City Center (Monthly)

$826 $826

$678 Rp 12.2M

21.77%

3-bedroom Apartment, City Center (Monthly)

$1,842 $1,842

$3,504 Rp 62.9M

-47.44%

3-bedroom Apartment, Outside City Center (Monthly)

$1,663 $1,663

$1,688 Rp 30.3M

-1.47%

Buy Apartment in City Center (m2)

$2,962 $2,962

$2,788 Rp 50.0M

6.24%

Buy Apartment Outside City Center (m2)

$2,386 $2,386

$2,257 Rp 40.5M

5.71%

Average Monthly Net Salary (After Tax)

$6,123 $6,123

$165 Rp 3.0M

3609.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.12

13.78

-55.59%

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

Last update for St. Cloud, MN: September 26, 2026

Last update for Ubud, Bali: September 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $979 in St. Cloud, MN and $1,147 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Cloud, MN pays 3609% 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: $75.0 in St. Cloud, MN vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $299 vs $286 per month, with Ubud, Bali cheaper across the board.

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. Cloud, MN vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Eating Out, Groceries & Markets, Clothing & Footwear, Monthly Utilities & Internet, Sport & Entertainment. The 39% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 3609% higher in St. Cloud, MN, 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: $979 in St. Cloud, MN versus $1,147 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,751 in St. Cloud, MN versus $484 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 $75.0 in St. Cloud, MN. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,374 in Ubud, Bali versus $1,917 in St. Cloud, MN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Cloud, MN. 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 St. Cloud, MN, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St. Cloud, MN 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 39% less than in St. Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.