Last update: Oct 2026

Cost of Living Comparison Between Surrey, United Kingdom and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,025 in Surrey, rent and utilities included – about $20,100 less a year. Rent and utilities account for most of the difference.

148

Cost of Living Index in Surrey
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Surrey Living Index
65

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

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Surrey

🇬🇧 United Kingdom

$3,025

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $3,025 per month in Surrey vs $1,349 in Ubud, Bali, rent included.

Surrey $3,025
Ubud, Bali $1,349

A couple spends around $4,456 per month in Surrey vs $2,305 in Ubud, Bali, rent included.

Surrey $4,456
Ubud, Bali $2,305

A family of three spends $5,887 per month in Surrey vs $3,261 in Ubud, Bali, rent included.

Surrey $5,887
Ubud, Bali $3,261

Surrey costs about 124% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$23.47 £17.53

$3.32 Rp 60.3K

606.93%

Three-Course Dinner for Two, Mid-Range

$59.5 £44.42

$35.64 Rp 646.5K

66.84%

Fast Food Meal (McDonalds, etc)

$9.62 £7.19

$5.53 Rp 100.4K

73.96%

Cappuccino

$4.77 £3.56

$2.72 Rp 49.3K

75.37%

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

$2.26 £1.69

$1.70 Rp 30.9K

32.94%

Water (0.33 liter bottle)

$1.48 £1.10

$0.76 Rp 13.8K

94.74%

Local Beer (0.5 liter draught)

$6.54 £4.89

$2.65 Rp 48.1K

146.79%

Imported Beer (0.33 liter bottle)

$6.15 £4.59

$4.38 Rp 79.5K

40.41%

Milk (1 liter)

$1.31 £0.98

$1.49 Rp 27.0K

-12.08%

White Bread (500g)

$2.10 £1.57

$2.28 Rp 41.3K

-7.89%

Rice (white) (1kg)

$1.60 £1.20

$1.19 Rp 21.6K

34.45%

Eggs

$4.15 £3.10

$2.04 Rp 36.9K

103.43%

Local Cheese (1kg)

$8.62 £6.44

$17.70 Rp 321.1K

-51.30%

Chicken Fillets (1kg)

$9.33 £6.97

$3.96 Rp 71.9K

135.61%

Beef Round Steak (1kg)

$16.52 £12.34

$12.19 Rp 221.1K

35.52%

Apples (1kg)

$3.19 £2.38

$3.66 Rp 66.3K

-12.84%

Banana (1kg)

$1.48 £1.11

$1.52 Rp 27.5K

-2.63%

Oranges (1kg)

$2.03 £1.52

$2.23 Rp 40.4K

-8.97%

Tomato (1kg)

$3.26 £2.43

$1.97 Rp 35.8K

65.48%

Potato (1kg)

$1.38 £1.03

$1.85 Rp 33.5K

-25.41%

Onion (1kg)

$1.79 £1.34

$2.42 Rp 44.0K

-26.03%

Lettuce (1 head)

$1.40 £1.05

$0.99 Rp 18.0K

41.41%

Water (1.5 liter bottle)

$1.17 £0.88

$0.51 Rp 9,313

129.41%

Cigarettes 20 Pack (Marlboro, Camel)

$23.32 £17.42

$2.22 Rp 40.3K

950.45%

Wine (Bottle)

$10.47 £7.82

$22.24 Rp 403.4K

-52.92%

Local Beer (0.5 liter bottle)

$2.22 £1.66

$2.26 Rp 41.0K

-1.77%

Imported Beer (0.33 liter bottle)

$2.50 £1.87

$2.97 Rp 53.9K

-15.82%

One-way Ticket (Public Transport)

$3.90 £2.91

$0.25 Rp 4,553

1460.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

Taxi Start (Normal Tariff)

$5.22 £3.90

$0.44 Rp 7,972

1086.36%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$1.93 £1.44

$0.82 Rp 15.0K

135.37%

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

$38.1K £28.5K

$23.8K Rp 432.4M

59.95%

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

$41.0K £30.6K

$31.7K Rp 575.9M

29.04%

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

$263 £196

$79.1 Rp 1.4M

232.29%

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

$13.29 £9.93

$6.45 Rp 116.9K

106.05%

Internet (50+ Mbps, Unlimited Data)

$35.87 £26.80

$18.58 Rp 337.0K

93.06%

Gym Membership (Monthly)

$52.7 £39.40

$49.48 Rp 897.5K

6.59%

Tennis Court (1 Hour on Weekend)

$18.44 £13.78

$17.65 Rp 320.1K

4.48%

Cinema Ticket

$13.07 £9.77

$4.27 Rp 77.5K

206.09%

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

$2,137 £1,597

$491 Rp 8.9M

335.73%

International Primary School, 1 Child (Yearly)

$29.9K £22.3K

$5,674 Rp 102.9M

426.79%

Jeans (Levis 501 Or Similar)

$52.7 £39.40

$44.64 Rp 809.7K

18.15%

Summer Dress (H&M, Zara, etc)

$40.02 £29.90

$34.95 Rp 634.0K

14.51%

Sport Shoes (Adidas, Nike)

$87.4 £65.3

$79.9 Rp 1.4M

9.35%

Men's Leather Business Shoes

$93.0 £69.5

$79.4 Rp 1.4M

17.12%

1-bedroom Apartment, City Center (Monthly)

$1,945 £1,453

$1,125 Rp 20.4M

72.87%

1-bedroom Apartment, Outside City Center (Monthly)

$1,864 £1,393

$671 Rp 12.2M

177.61%

3-bedroom Apartment, City Center (Monthly)

$3,308 £2,471

$3,565 Rp 64.7M

-7.21%

3-bedroom Apartment, Outside City Center (Monthly)

$3,400 £2,540

$1,723 Rp 31.3M

97.28%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$7,255 £5,420

$2,284 Rp 41.4M

217.65%

Average Monthly Net Salary (After Tax)

$4,565 £3,410

$164 Rp 3.0M

2686.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.4

13.78

-60.81%

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

Last update for Surrey: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Surrey

$1.9K 61.6%

Ubud, Bali

$672 49.8% 64% $1.2K

Eating Out

Surrey

$334 11%

Ubud, Bali

$108 8% 67.7% $226

Monthly Utilities & Internet

Surrey

$312 10.3%

Ubud, Bali

$104 7.7% 66.6% $208

Groceries & Markets

Surrey

$293 9.7%

Ubud, Bali

$288 21.4% 1.5% $4.4

Clothing & Footwear

Surrey

$123 4.1%

Ubud, Bali

$108 8% 12.5% $15

Sport & Entertainment

Surrey

$79 2.6%

Ubud, Bali

$58 4.3% 26.4% $21

Getting Around

Surrey

$21 * 0.7%

Ubud, Bali

$11 0.9% 45.1% $9.4

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

Cost Breakdown

A central one-bedroom costs $1,945 in Surrey versus $1,125 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 in Surrey are about 28 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $59 in Surrey versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $293 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇬🇧 Surrey

🇮🇩 Ubud, Bali

🕒 Local time

10:45 10:45 AM

18:45 6:45 PM

8 h ahead of Surrey

🌤 Weather

👥 Population

585

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.34 USD

1 GBP = 1.2 EUR

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 0.747 GBP (1 GBP = 1.34 USD). 1 EUR = 0.834 GBP (1 GBP = 1.2 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

USD to GBP in detail →

On the map

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Highest

Between locations

Surrey Ubud, Bali 12,510 km ≈ 16 h nonstop flight

From you

Surrey
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

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

Yes – Surrey is pricier by about 124%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $4,538 per month in Surrey and $2,023 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: a one-bedroom in the center costs $1,125 there versus $1,945 in Surrey.

A mid-range dinner for two costs $59 in Surrey and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Kindergarten costs $2,137 per month in Surrey and $491 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $3,025 in Surrey and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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