Cost of Living Comparison Between Tarnow and Ubud, Bali Cost of Living Comparison Between Tarnow and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,216 in Tarnow versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $1,691 in Tarnow versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,167 in Tarnow versus $3,660 in Ubud, Bali.

Living in Tarnow costs roughly 14% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Tarnow is 9% below, Ubud, Bali is 6% above.

Meal at Budget Restaurant

$9.39 zł 34.23

$3.56 Rp 64.3K

163.76%

Three-Course Dinner for Two, Mid-Range

$27.08 zł 98.8

$32.73 Rp 590.3K

-17.26%

Fast Food Meal (McDonalds, etc)

$6.84 zł 24.96

$4.95 Rp 89.2K

38.18%

Cappuccino

$2.77 zł 10.10

$2.71 Rp 48.9K

2.21%

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

$2.08 zł 7.59

$1.34 Rp 24.2K

55.22%

Water (0.33 liter bottle)

$1.35 zł 4.91

$0.70 Rp 12.6K

92.86%

Local Beer (0.5 liter draught)

$3.06 zł 11.14

$2.92 Rp 52.7K

4.79%

Imported Beer (0.33 liter bottle)

$3.56 zł 12.99

$3.96 Rp 71.4K

-10.10%

Milk (1 liter)

$1.00 zł 3.63

$1.81 Rp 32.6K

-44.75%

White Bread (500g)

$1.25 zł 4.55

$2.52 Rp 45.4K

-50.40%

Rice (white) (1kg)

$1.38 zł 5.04

$1.16 Rp 20.9K

18.97%

Eggs

$2.58 zł 9.40

$2.46 Rp 44.4K

4.88%

Local Cheese (1kg)

$7.53 zł 27.46

$14.71 Rp 265.3K

-48.81%

Chicken Fillets (1kg)

$6.50 zł 23.69

$4.32 Rp 77.9K

50.46%

Beef Round Steak (1kg)

$9.88 zł 36.02

$12.14 Rp 218.9K

-18.62%

Apples (1kg)

$0.77 zł 2.82

$3.84 Rp 69.3K

-79.95%

Banana (1kg)

$1.61 zł 5.87

$1.56 Rp 28.1K

3.21%

Oranges (1kg)

$1.33 zł 4.84

$2.83 Rp 51.1K

-53.00%

Tomato (1kg)

$2.16 zł 7.86

$2.33 Rp 41.9K

-7.30%

Potato (1kg)

$0.84 zł 3.08

$1.91 Rp 34.5K

-56.02%

Onion (1kg)

$1.08 zł 3.94

$2.20 Rp 39.7K

-50.91%

Lettuce (1 head)

$1.10 zł 4.03

$1.01 Rp 18.3K

8.91%

Water (1.5 liter bottle)

$0.60 zł 2.18

$0.78 Rp 14.0K

-23.08%

Cigarettes 20 Pack (Marlboro, Camel)

$4.52 zł 16.49

$3.32 Rp 59.8K

36.14%

Wine (Bottle)

$7.64 zł 27.87

$23.74 Rp 428.0K

-67.82%

Local Beer (0.5 liter bottle)

$0.89 zł 3.23

$2.79 Rp 50.3K

-68.10%

Imported Beer (0.33 liter bottle)

$1.43 zł 5.20

$2.86 Rp 51.6K

-50.00%

One-way Ticket (Public Transport)

$1.06 zł 3.87

$0.27 Rp 4,848

292.59%

Public Transport Monthly Pass (Regular Price)

$33.18 zł 121

$8.03 Rp 144.8K

313.20%

Taxi Start (Normal Tariff)

$1.38 zł 5.03

$0.46 Rp 8,230

200.00%

Taxi (Normal Tariff) (1km)

$0.52 zł 1.89

$0.45 Rp 8,116

15.56%

Taxi 1hour Waiting (Normal Tariff)

$13.76 zł 50.2

$6.10 Rp 109.9K

125.57%

Gasoline (1 liter)

$1.75 zł 6.39

$0.79 Rp 14.3K

121.52%

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

$33.3K zł 121.5K

$26.1K Rp 471.6M

27.39%

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

$24.1K zł 88.0K

$32.1K Rp 579.2M

-24.86%

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

$258 zł 941

$79.9 Rp 1.4M

222.82%

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

$7.51 zł 27.38

$4.06 Rp 73.3K

84.98%

Internet (50+ Mbps, Unlimited Data)

$16.30 zł 59.4

$23.52 Rp 424.1K

-30.70%

Gym Membership (Monthly)

$26.92 zł 98.2

$98.7 Rp 1.8M

-72.73%

Tennis Court (1 Hour on Weekend)

$12.43 zł 45.31

$6.63 Rp 119.6K

87.48%

Cinema Ticket

$4.78 zł 17.44

$4.15 Rp 74.8K

15.18%

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

$330 zł 1,202

$304 Rp 5.5M

8.44%

International Primary School, 1 Child (Yearly)

$4,798 zł 17.5K

$6,613 Rp 119.3M

-27.45%

Jeans (Levis 501 Or Similar)

$83.0 zł 303

$55.5 Rp 1.0M

49.48%

Summer Dress (H&M, Zara, etc)

$27.08 zł 98.7

$38.31 Rp 690.9K

-29.31%

Sport Shoes (Adidas, Nike)

$81.5 zł 297

$88.6 Rp 1.6M

-8.01%

Men's Leather Business Shoes

$122 zł 444

$77.9 Rp 1.4M

56.32%

1-bedroom Apartment, City Center (Monthly)

$461 zł 1,682

$1,006 Rp 18.1M

-54.16%

1-bedroom Apartment, Outside City Center (Monthly)

$367 zł 1,340

$675 Rp 12.2M

-45.60%

3-bedroom Apartment, City Center (Monthly)

$660 zł 2,405

$3,442 Rp 62.1M

-80.84%

3-bedroom Apartment, Outside City Center (Monthly)

$485 zł 1,769

$2,039 Rp 36.8M

-76.22%

Buy Apartment in City Center (m2)

$2,835 zł 10.3K

$2,841 Rp 51.2M

-0.23%

Buy Apartment Outside City Center (m2)

$1,907 zł 6,952

$2,264 Rp 40.8M

-15.78%

Average Monthly Net Salary (After Tax)

$1,068 zł 3,893

$165 Rp 3.0M

546.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

13.28

-52.71%

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

Last update for Tarnow: June 1, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $461 in Tarnow and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tarnow pays 546% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $27.00 in Tarnow vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $191 vs $302 per month, with Tarnow 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

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

Tarnow wins on cost – living expenses run 17% 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.

Tarnow pays 546% more on average, 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: $461 in Tarnow versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $330 in Tarnow versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 58% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,216 in Tarnow versus $1,419 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 $1,216 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 17% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.