Last update: Oct 2026

Cost of Living Comparison Between St Lawrence and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,126 in St Lawrence, rent and utilities included – about $21,100 less a year. Rent and utilities account for most of the difference.

153

Cost of Living Index in St Lawrence
Learn more

St Lawrence Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

St Lawrence

🇯🇪 Jersey

$3,126

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,126 in St Lawrence versus $1,368 in Ubud, Bali.

St Lawrence $3,126
Ubud, Bali $1,368

Estimated couple costs with rent: $5,129 in St Lawrence versus $2,314 in Ubud, Bali.

St Lawrence $5,129
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $7,132 in St Lawrence versus $3,260 in Ubud, Bali.

St Lawrence $7,132
Ubud, Bali $3,260

Living in St Lawrence is roughly 129% 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: St Lawrence 132% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$40.34 JEP 30.30

$3.33 Rp 59.9K

1111.41%

Three-Course Dinner for Two, Mid-Range

$120 JEP 90.3

$35.18 Rp 633.2K

241.64%

Fast Food Meal (McDonalds, etc)

$10.78 JEP 8.10

$5.80 Rp 104.5K

85.86%

Cappuccino

$4.69 JEP 3.52

$2.73 Rp 49.1K

71.79%

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

$3.37 JEP 2.53

$1.64 Rp 29.5K

105.49%

Water (0.33 liter bottle)

$2.53 JEP 1.90

$0.83 Rp 15.0K

204.82%

Local Beer (0.5 liter draught)

$8.05 JEP 6.04

$2.70 Rp 48.6K

198.15%

Imported Beer (0.33 liter bottle)

$6.08 JEP 4.57

$4.30 Rp 77.4K

41.40%

Milk (1 liter)

$2.24 JEP 1.68

$1.50 Rp 27.1K

49.33%

White Bread (500g)

$2.67 JEP 2.01

$2.30 Rp 41.4K

16.09%

Rice (white) (1kg)

$2.51 JEP 1.88

$1.18 Rp 21.2K

112.71%

Eggs

$5.71 JEP 4.29

$2.14 Rp 38.6K

166.82%

Local Cheese (1kg)

$7.38 JEP 5.54

$17.48 Rp 314.6K

-57.78%

Chicken Fillets (1kg)

$11.85 JEP 8.90

$4.03 Rp 72.5K

194.04%

Beef Round Steak (1kg)

$18.21 JEP 13.67

$12.23 Rp 220.1K

48.90%

Apples (1kg)

$4.08 JEP 3.06

$3.55 Rp 63.9K

14.93%

Banana (1kg)

$3.38 JEP 2.54

$1.57 Rp 28.3K

115.29%

Oranges (1kg)

$4.01 JEP 3.01

$2.24 Rp 40.2K

79.02%

Tomato (1kg)

$4.54 JEP 3.41

$1.93 Rp 34.7K

135.23%

Potato (1kg)

$3.25 JEP 2.44

$1.88 Rp 33.9K

72.87%

Onion (1kg)

$3.13 JEP 2.35

$2.29 Rp 41.3K

36.68%

Lettuce (1 head)

$1.87 JEP 1.40

$0.99 Rp 17.9K

88.89%

Water (1.5 liter bottle)

$2.51 JEP 1.88

$0.53 Rp 9,475

373.58%

Cigarettes 20 Pack (Marlboro, Camel)

$19.91 JEP 14.95

$2.28 Rp 41.1K

773.25%

Wine (Bottle)

$10.59 JEP 7.95

$23.01 Rp 414.2K

-53.98%

Local Beer (0.5 liter bottle)

$4.64 JEP 3.48

$2.34 Rp 42.2K

98.29%

Imported Beer (0.33 liter bottle)

$7.48 JEP 5.62

$2.91 Rp 52.4K

157.04%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$5.15 JEP 3.86

$0.48 Rp 8,684

972.92%

Taxi (Normal Tariff) (1km)

$2.53 JEP 1.90

$0.46 Rp 8,233

450.00%

Taxi 1hour Waiting (Normal Tariff)

$53.4 JEP 40.07

$5.45 Rp 98.2K

878.90%

Gasoline (1 liter)

$2.11 JEP 1.59

$0.88 Rp 15.9K

139.77%

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

$26.7K JEP 20.1K

$24.6K Rp 442.2M

8.70%

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

$36.8K JEP 27.6K

$31.2K Rp 561.4M

17.92%

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

$317 JEP 238

$83.0 Rp 1.5M

281.30%

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

$35.02 JEP 26.30

$6.45 Rp 116.0K

442.95%

Internet (50+ Mbps, Unlimited Data)

$71.9 JEP 54.0

$18.57 Rp 334.2K

287.02%

Gym Membership (Monthly)

$93.3 JEP 70.0

$55.8 Rp 1.0M

67.05%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$19.48 JEP 14.63

$4.38 Rp 78.9K

344.75%

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

$815 JEP 612

$493 Rp 8.9M

65.24%

International Primary School, 1 Child (Yearly)

$11.9K JEP 8,934

$5,754 Rp 103.6M

106.77%

Jeans (Levis 501 Or Similar)

$103 JEP 77.4

$46.19 Rp 831.4K

123.21%

Summer Dress (H&M, Zara, etc)

$72.6 JEP 54.5

$35.33 Rp 636.0K

105.41%

Sport Shoes (Adidas, Nike)

$121 JEP 90.7

$79.1 Rp 1.4M

52.70%

Men's Leather Business Shoes

$207 JEP 155

$78.4 Rp 1.4M

163.82%

1-bedroom Apartment, City Center (Monthly)

$1,718 JEP 1,290

$1,142 Rp 20.6M

50.40%

1-bedroom Apartment, Outside City Center (Monthly)

$1,429 JEP 1,073

$676 Rp 12.2M

111.46%

3-bedroom Apartment, City Center (Monthly)

$3,960 JEP 2,974

$3,503 Rp 63.1M

13.04%

3-bedroom Apartment, Outside City Center (Monthly)

$3,309 JEP 2,485

$1,700 Rp 30.6M

94.64%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

4.08

13.78

-70.39%

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

Last update for St Lawrence: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

St Lawrence

$1.4K 45.7%

Ubud, Bali

$676 49.4% 52.7% $753

Eating Out

St Lawrence

$487 15.6%

Ubud, Bali

$109 8% 77.7% $379

Monthly Utilities & Internet

St Lawrence

$423 13.5%

Ubud, Bali

$108 7.9% 74.5% $315

Groceries & Markets

St Lawrence

$410 13.1%

Ubud, Bali

$290 21.2% 29.2% $120

Clothing & Footwear

St Lawrence

$226 7.2%

Ubud, Bali

$108 7.9% 52.5% $119

Sport & Entertainment

St Lawrence

$132 4.2%

Ubud, Bali

$65 4.7% 51.2% $68

Getting Around

St Lawrence

$18 * 0.6%

Ubud, Bali

$13 0.9% 29.5% $5.3

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 $1,718 in St Lawrence and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $120 in St Lawrence vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $410 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇯🇪 St Lawrence

🇮🇩 Ubud, Bali

🕒 Local time

01:15 1:15 AM

08:15 8:15 AM

7 h ahead of St Lawrence

🌤 Weather

👥 Population

5,500

74,800

💱 Currency

Jersey Pound JEP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 JEP = 1.33 USD

1 JEP = 1.18 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to JEP – Jersey Pound Converter

🇺🇸 United States Dollar ($)

🇯🇪 Jersey Pound (£)

Jersey Pound exchange rates as of October 19, 2026: 1 USD = 0.751 JEP (1 JEP = 1.33 USD). 1 EUR = 0.844 JEP (1 JEP = 1.18 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).

USD to JEP in detail →

On the map

Lowest

Highest

Between locations

St Lawrence Ubud, Bali 12,690 km ≈ 16 h nonstop flight

From you

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

Ubud, Bali wins on cost – living expenses run 129% lower than in St Lawrence. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You'd need roughly $4,689 in St Lawrence 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: $1,718 in St Lawrence versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $815 in St Lawrence versus $493 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 $120 in St Lawrence. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $3,126 in St Lawrence, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St Lawrence. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, St Lawrence 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 129% less than in St Lawrence. Beyond cost, consider language, visa policies, and how big the international community is in each city.