Last update: Oct 2026

Cost of Living Comparison Between Tarnow and Ubud, Bali

For one person, living is cheaper in Tarnow: $1,182 a month against $1,353 in Ubud, Bali, rent and utilities included – about $2,100 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Tarnow
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Tarnow Living Index
66

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

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Tarnow

🇵🇱 Poland

$1,182

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,182 in Tarnow versus $1,353 in Ubud, Bali.

Tarnow $1,182
Ubud, Bali $1,353

Estimated couple costs with rent: $1,638 in Tarnow versus $2,297 in Ubud, Bali.

Tarnow $1,638
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,093 in Tarnow versus $3,241 in Ubud, Bali.

Tarnow $2,093
Ubud, Bali $3,241

Living in Tarnow costs roughly 13% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Tarnow is 13% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$10.34 zł 40.16

$3.23 Rp 58.1K

220.12%

Three-Course Dinner for Two, Mid-Range

$25.16 zł 97.8

$34.88 Rp 627.8K

-27.87%

Fast Food Meal (McDonalds, etc)

$6.43 zł 24.96

$5.70 Rp 102.5K

12.81%

Cappuccino

$2.55 zł 9.91

$2.62 Rp 47.1K

-2.67%

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

$2.21 zł 8.57

$1.72 Rp 31.0K

28.49%

Water (0.33 liter bottle)

$1.29 zł 5.03

$0.81 Rp 14.6K

59.26%

Local Beer (0.5 liter draught)

$3.79 zł 14.73

$2.65 Rp 47.7K

43.02%

Imported Beer (0.33 liter bottle)

$3.74 zł 14.54

$4.37 Rp 78.6K

-14.42%

Milk (1 liter)

$0.93 zł 3.60

$1.57 Rp 28.3K

-40.76%

White Bread (500g)

$1.15 zł 4.45

$2.19 Rp 39.5K

-47.49%

Rice (white) (1kg)

$1.25 zł 4.87

$1.18 Rp 21.2K

5.93%

Eggs

$2.44 zł 9.48

$2.16 Rp 38.8K

12.96%

Local Cheese (1kg)

$7.86 zł 30.55

$17.65 Rp 317.7K

-55.47%

Chicken Fillets (1kg)

$5.84 zł 22.70

$3.78 Rp 68.0K

54.50%

Beef Round Steak (1kg)

$9.78 zł 37.98

$11.95 Rp 215.1K

-18.16%

Apples (1kg)

$0.73 zł 2.84

$3.60 Rp 64.8K

-79.72%

Banana (1kg)

$1.55 zł 6.04

$1.59 Rp 28.6K

-2.52%

Oranges (1kg)

$1.29 zł 5.01

$2.31 Rp 41.6K

-44.16%

Tomato (1kg)

$1.91 zł 7.42

$1.91 Rp 34.3K

Potato (1kg)

$0.79 zł 3.06

$1.78 Rp 32.1K

-55.62%

Onion (1kg)

$1.02 zł 3.96

$2.33 Rp 41.9K

-56.22%

Lettuce (1 head)

$1.06 zł 4.12

$1.00 Rp 18.0K

6.00%

Water (1.5 liter bottle)

$0.75 zł 2.91

$0.53 Rp 9,509

41.51%

Cigarettes 20 Pack (Marlboro, Camel)

$4.31 zł 16.75

$2.29 Rp 41.1K

88.21%

Wine (Bottle)

$6.28 zł 24.41

$22.07 Rp 397.3K

-71.55%

Local Beer (0.5 liter bottle)

$0.90 zł 3.50

$2.35 Rp 42.2K

-61.70%

Imported Beer (0.33 liter bottle)

$1.35 zł 5.26

$2.98 Rp 53.6K

-54.70%

One-way Ticket (Public Transport)

$0.97 zł 3.76

$0.23 Rp 4,112

321.74%

Public Transport Monthly Pass (Regular Price)

$30.58 zł 119

$8.90 Rp 160.2K

243.60%

Taxi Start (Normal Tariff)

$1.30 zł 5.06

$0.47 Rp 8,466

176.60%

Taxi (Normal Tariff) (1km)

$0.75 zł 2.92

$0.43 Rp 7,737

74.42%

Taxi 1hour Waiting (Normal Tariff)

$10.45 zł 40.59

$5.47 Rp 98.4K

91.04%

Gasoline (1 liter)

$1.62 zł 6.31

$0.83 Rp 14.9K

95.18%

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

$31.2K zł 121.2K

$23.9K Rp 429.8M

30.69%

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

$24.6K zł 95.8K

$32.8K Rp 590.1M

-24.81%

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

$242 zł 940

$80.0 Rp 1.4M

202.45%

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

$9.49 zł 36.86

$6.56 Rp 118.1K

44.66%

Internet (50+ Mbps, Unlimited Data)

$16.41 zł 63.8

$18.60 Rp 334.8K

-11.77%

Gym Membership (Monthly)

$25.48 zł 99.0

$54.1 Rp 974.1K

-52.92%

Tennis Court (1 Hour on Weekend)

$11.65 zł 45.27

$18.28 Rp 329.0K

-36.27%

Cinema Ticket

$4.52 zł 17.55

$4.25 Rp 76.5K

6.35%

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

$287 zł 1,117

$493 Rp 8.9M

-41.65%

International Primary School, 1 Child (Yearly)

$2,538 zł 9,859

$5,597 Rp 100.7M

-54.66%

Jeans (Levis 501 Or Similar)

$79.4 zł 309

$45.58 Rp 820.4K

74.27%

Summer Dress (H&M, Zara, etc)

$25.87 zł 101

$34.96 Rp 629.4K

-26.00%

Sport Shoes (Adidas, Nike)

$77.5 zł 301

$77.7 Rp 1.4M

-0.33%

Men's Leather Business Shoes

$111 zł 430

$78.5 Rp 1.4M

40.97%

1-bedroom Apartment, City Center (Monthly)

$437 zł 1,700

$1,131 Rp 20.4M

-61.34%

1-bedroom Apartment, Outside City Center (Monthly)

$352 zł 1,369

$673 Rp 12.1M

-47.64%

3-bedroom Apartment, City Center (Monthly)

$624 zł 2,423

$3,613 Rp 65.0M

-82.74%

3-bedroom Apartment, Outside City Center (Monthly)

$463 zł 1,799

$1,702 Rp 30.6M

-72.80%

Buy Apartment in City Center (m2)

$2,657 zł 10.3K

$2,717 Rp 48.9M

-2.22%

Buy Apartment Outside City Center (m2)

$1,750 zł 6,799

$2,241 Rp 40.3M

-21.92%

Average Monthly Net Salary (After Tax)

$1,000 zł 3,884

$166 Rp 3.0M

500.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

13.78

-51.52%

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

Last update for Tarnow: 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

Tarnow

$352 29.8%

Ubud, Bali

$673 49.7% 91% $321

Monthly Utilities & Internet

Tarnow

$268 22.7%

Ubud, Bali

$105 7.8% 60.7% $163

Groceries & Markets

Tarnow

$183 15.5%

Ubud, Bali

$287 21.2% 57.1% $104

Eating Out

Tarnow

$173 14.6%

Ubud, Bali

$106 7.9% 38.5% $67

Clothing & Footwear

Tarnow

$132 11.2%

Ubud, Bali

$107 7.9% 19.3% $26

Getting Around

Tarnow

$40 3.3%

Ubud, Bali

$12 0.9% 68.5% $27

Sport & Entertainment

Tarnow

$35 2.9%

Ubud, Bali

$63 4.6% 81.4% $28

Cost Breakdown

A one-bedroom apartment in the center runs $437 in Tarnow and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tarnow pays 501% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $25.00 in Tarnow vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $183 vs $287 per month, with Tarnow cheaper across the board.

Good to know

🇵🇱 Tarnow

🇮🇩 Ubud, Bali

🕒 Local time

21:34 9:34 PM

03:34 3:34 AM

6 h ahead of Tarnow

🌤 Weather

👥 Population

106,748

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

Indonesian Rupiah exchange rates as of October 20, 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 PLN in detail →

On the map

Lowest

Highest

Between locations

Tarnow Ubud, Bali 11,040 km ≈ 14 h nonstop flight

From you

Tarnow
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

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

Tarnow wins on cost – living expenses run 14% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Tarnow the obvious pick if budget is a priority.

Average pay runs 501% higher in Tarnow, 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: $437 in Tarnow versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $287 in Tarnow versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 57% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,182 in Tarnow versus $1,353 in Ubud, Bali, a $1,000 budget is realistic in Tarnow but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tarnow the clear choice for anyone on this budget.

Both work as nomad bases, but Tarnow delivers better value – similar infrastructure at $1,182 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tarnow hard to pass up.

Safety-wise, Tarnow 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 Tarnow gentler on the wallet – expenses run 14% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.