Cost of Living Comparison Between St. Joseph, MO and Ubud, Bali Cost of Living Comparison Between St. Joseph, MO and Ubud, Bali

Monthly Cost of Living

A single person spends $2,536 per month in St. Joseph, MO vs $1,379 in Ubud, Bali, rent included.

A couple spends around $3,765 per month in St. Joseph, MO vs $2,363 in Ubud, Bali, rent included.

A family of three spends $4,994 per month in St. Joseph, MO vs $3,347 in Ubud, Bali, rent included.

St. Joseph, MO costs about 84% more than Ubud, Bali, driven mainly by Eating Out.

Both St. Joseph, MO and Ubud, Bali sit above the global median – St. Joseph, MO by 85%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$18.91 $18.91

$3.31 Rp 58.9K

471.30%

Three-Course Dinner for Two, Mid-Range

$74.9 $74.9

$39.08 Rp 694.5K

91.71%

Fast Food Meal (McDonalds, etc)

$11.18 $11.18

$5.62 Rp 99.8K

98.93%

Cappuccino

$5.18 $5.18

$2.64 Rp 46.9K

96.21%

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

$2.49 $2.49

$1.58 Rp 28.2K

57.59%

Water (0.33 liter bottle)

$1.96 $1.96

$0.71 Rp 12.6K

176.06%

Local Beer (0.5 liter draught)

$5.90 $5.90

$2.73 Rp 48.5K

116.12%

Imported Beer (0.33 liter bottle)

$6.83 $6.83

$4.32 Rp 76.8K

58.10%

Milk (1 liter)

$1.04 $1.04

$1.54 Rp 27.4K

-32.47%

White Bread (500g)

$3.60 $3.60

$2.30 Rp 40.8K

56.52%

Rice (white) (1kg)

$4.28 $4.28

$1.03 Rp 18.3K

315.53%

Eggs

$4.19 $4.19

$2.12 Rp 37.7K

97.64%

Local Cheese (1kg)

$12.30 $12.30

$17.30 Rp 307.5K

-28.90%

Chicken Fillets (1kg)

$11.57 $11.57

$4.03 Rp 71.6K

187.10%

Beef Round Steak (1kg)

$15.23 $15.23

$12.42 Rp 220.8K

22.62%

Apples (1kg)

$4.76 $4.76

$3.70 Rp 65.7K

28.65%

Banana (1kg)

$1.62 $1.62

$1.62 Rp 28.7K

Oranges (1kg)

$4.35 $4.35

$2.27 Rp 40.3K

91.63%

Tomato (1kg)

$4.62 $4.62

$1.99 Rp 35.4K

132.16%

Potato (1kg)

$2.88 $2.88

$1.83 Rp 32.5K

57.38%

Onion (1kg)

$2.86 $2.86

$2.25 Rp 40.1K

27.11%

Lettuce (1 head)

$2.09 $2.09

$1.04 Rp 18.6K

100.96%

Water (1.5 liter bottle)

$2.09 $2.09

$0.56 Rp 10.0K

273.21%

Cigarettes 20 Pack (Marlboro, Camel)

$9.45 $9.45

$2.22 Rp 39.5K

325.68%

Wine (Bottle)

$14.23 $14.23

$23.22 Rp 412.7K

-38.72%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.39 Rp 42.5K

-25.94%

Imported Beer (0.33 liter bottle)

$3.42 $3.42

$2.87 Rp 51.1K

19.16%

One-way Ticket (Public Transport)

$1.95 $1.95

$0.25 Rp 4,416

680.00%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$3.52 $3.52

$0.46 Rp 8,163

665.22%

Taxi (Normal Tariff) (1km)

$1.63 $1.63

$0.46 Rp 8,235

254.35%

Taxi 1hour Waiting (Normal Tariff)

$28.75 $28.75

$5.70 Rp 101.2K

404.39%

Gasoline (1 liter)

$0.83 $0.83

$0.76 Rp 13.6K

9.21%

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

$29.7K $29.7K

$24.6K Rp 436.7M

21.03%

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

$25.3K $25.3K

$31.0K Rp 551.5M

-18.54%

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

$190 $190

$82.2 Rp 1.5M

131.78%

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

$52.4 $52.4

$6.33 Rp 112.5K

728.28%

Internet (50+ Mbps, Unlimited Data)

$68.0 $68.0

$18.54 Rp 329.6K

266.99%

Gym Membership (Monthly)

$43.03 $43.03

$56.1 Rp 996.2K

-23.23%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$13.33 $13.33

$4.26 Rp 75.8K

212.91%

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

$1,289 $1,289

$489 Rp 8.7M

163.42%

International Primary School, 1 Child (Yearly)

$23.5K $23.5K

$5,793 Rp 103.0M

306.46%

Jeans (Levis 501 Or Similar)

$50.9 $50.9

$45.98 Rp 817.3K

10.59%

Summer Dress (H&M, Zara, etc)

$40.48 $40.48

$35.86 Rp 637.4K

12.88%

Sport Shoes (Adidas, Nike)

$85.3 $85.3

$79.5 Rp 1.4M

7.21%

Men's Leather Business Shoes

$111 $111

$80.9 Rp 1.4M

37.22%

1-bedroom Apartment, City Center (Monthly)

$1,576 $1,576

$1,144 Rp 20.3M

37.75%

1-bedroom Apartment, Outside City Center (Monthly)

$1,353 $1,353

$692 Rp 12.3M

95.52%

3-bedroom Apartment, City Center (Monthly)

$2,680 $2,680

$3,532 Rp 62.8M

-24.11%

3-bedroom Apartment, Outside City Center (Monthly)

$2,244 $2,244

$1,709 Rp 30.4M

31.30%

Buy Apartment in City Center (m2)

$2,755 $2,755

$2,785 Rp 49.5M

-1.04%

Buy Apartment Outside City Center (m2)

$2,492 $2,492

$2,261 Rp 40.2M

10.20%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

13.78

-52.76%

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

Last update for St. Joseph, MO: August 15, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A central one-bedroom costs $1,576 in St. Joseph, MO versus $1,144 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.

A mid-range dinner for two costs $75.0 in St. Joseph, MO versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $387 vs $293 – making Ubud, Bali the more affordable choice for daily food spending.

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. Joseph, MO vs Ubud, Bali: Cost of Living - Frequently Asked Questions

St. Joseph, MO costs about 84% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,804 per month in St. Joseph, MO and $2,069 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.

Monthly expenses with rent come to $2,536 in St. Joseph, MO and $1,379 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $1,289 per month in St. Joseph, MO and $489 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,379, than in St. Joseph, MO at $2,536. In Ubud, Bali it covers expenses comfortably, while in St. Joseph, MO it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,379 versus $2,536 in St. Joseph, MO. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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. Joseph, MO makes more sense. Both are solid long-term options with distinct trade-offs.