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: $1,224 in Tarnow versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $1,704 in Tarnow versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,185 in Tarnow versus $3,273 in Ubud, Bali.

Living in Tarnow costs roughly 12% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Tarnow is 11% below, Ubud, Bali is 2% above.

Meal at Budget Restaurant

$10.59 zł 39.34

$3.37 Rp 59.5K

214.24%

Three-Course Dinner for Two, Mid-Range

$26.48 zł 98.3

$38.59 Rp 680.3K

-31.38%

Fast Food Meal (McDonalds, etc)

$6.71 zł 24.92

$5.52 Rp 97.3K

21.56%

Cappuccino

$2.64 zł 9.82

$2.64 Rp 46.6K

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

$2.25 zł 8.36

$1.67 Rp 29.5K

34.73%

Water (0.33 liter bottle)

$1.31 zł 4.86

$0.77 Rp 13.6K

70.13%

Local Beer (0.5 liter draught)

$4.15 zł 15.40

$2.63 Rp 46.4K

57.79%

Imported Beer (0.33 liter bottle)

$3.98 zł 14.79

$4.28 Rp 75.5K

-7.01%

Milk (1 liter)

$0.98 zł 3.64

$1.55 Rp 27.3K

-36.77%

White Bread (500g)

$1.22 zł 4.54

$2.22 Rp 39.2K

-45.05%

Rice (white) (1kg)

$1.35 zł 5.02

$1.13 Rp 19.8K

19.47%

Eggs

$2.65 zł 9.85

$2.09 Rp 36.8K

26.79%

Local Cheese (1kg)

$8.12 zł 30.17

$17.39 Rp 306.6K

-53.31%

Chicken Fillets (1kg)

$6.22 zł 23.09

$3.87 Rp 68.2K

60.72%

Beef Round Steak (1kg)

$10.19 zł 37.83

$12.55 Rp 221.2K

-18.80%

Apples (1kg)

$0.79 zł 2.95

$3.62 Rp 63.8K

-78.18%

Banana (1kg)

$1.57 zł 5.81

$1.56 Rp 27.5K

0.64%

Oranges (1kg)

$1.36 zł 5.06

$2.35 Rp 41.5K

-42.13%

Tomato (1kg)

$2.00 zł 7.41

$2.06 Rp 36.2K

-2.91%

Potato (1kg)

$0.79 zł 2.94

$1.90 Rp 33.5K

-58.42%

Onion (1kg)

$1.10 zł 4.07

$2.34 Rp 41.2K

-52.99%

Lettuce (1 head)

$1.04 zł 3.87

$1.03 Rp 18.2K

0.97%

Water (1.5 liter bottle)

$0.79 zł 2.95

$0.55 Rp 9,779

43.64%

Cigarettes 20 Pack (Marlboro, Camel)

$4.44 zł 16.48

$2.25 Rp 39.7K

97.33%

Wine (Bottle)

$6.54 zł 24.28

$23.81 Rp 419.7K

-72.53%

Local Beer (0.5 liter bottle)

$0.95 zł 3.53

$2.31 Rp 40.8K

-58.87%

Imported Beer (0.33 liter bottle)

$1.46 zł 5.42

$2.80 Rp 49.4K

-47.86%

One-way Ticket (Public Transport)

$0.99 zł 3.69

$0.27 Rp 4,802

266.67%

Public Transport Monthly Pass (Regular Price)

$31.60 zł 117

$8.66 Rp 152.7K

264.90%

Taxi Start (Normal Tariff)

$1.35 zł 5.02

$0.48 Rp 8,489

181.25%

Taxi (Normal Tariff) (1km)

$0.77 zł 2.85

$0.45 Rp 7,863

71.11%

Taxi 1hour Waiting (Normal Tariff)

$10.79 zł 40.06

$5.72 Rp 100.8K

88.64%

Gasoline (1 liter)

$1.58 zł 5.87

$0.76 Rp 13.4K

107.89%

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

$32.0K zł 119.0K

$24.5K Rp 431.6M

30.85%

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

$25.7K zł 95.4K

$32.1K Rp 566.3M

-20.01%

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

$252 zł 937

$83.6 Rp 1.5M

202.06%

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

$9.85 zł 36.58

$6.46 Rp 113.8K

52.48%

Internet (50+ Mbps, Unlimited Data)

$17.19 zł 63.8

$18.99 Rp 334.8K

-9.48%

Gym Membership (Monthly)

$26.33 zł 97.8

$56.0 Rp 986.8K

-52.96%

Tennis Court (1 Hour on Weekend)

$11.99 zł 44.52

$18.62 Rp 328.2K

-35.61%

Cinema Ticket

$4.89 zł 18.16

$4.28 Rp 75.5K

14.25%

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

$297 zł 1,103

$487 Rp 8.6M

-38.97%

International Primary School, 1 Child (Yearly)

$2,616 zł 9,716

$5,856 Rp 103.2M

-55.33%

Jeans (Levis 501 Or Similar)

$83.2 zł 309

$45.56 Rp 803.2K

82.53%

Summer Dress (H&M, Zara, etc)

$26.53 zł 98.6

$36.38 Rp 641.4K

-27.08%

Sport Shoes (Adidas, Nike)

$79.7 zł 296

$82.0 Rp 1.4M

-2.73%

Men's Leather Business Shoes

$116 zł 431

$80.4 Rp 1.4M

44.24%

1-bedroom Apartment, City Center (Monthly)

$454 zł 1,688

$1,117 Rp 19.7M

-59.31%

1-bedroom Apartment, Outside City Center (Monthly)

$363 zł 1,348

$701 Rp 12.4M

-48.21%

3-bedroom Apartment, City Center (Monthly)

$640 zł 2,378

$3,537 Rp 62.4M

-81.90%

3-bedroom Apartment, Outside City Center (Monthly)

$488 zł 1,813

$1,762 Rp 31.1M

-72.31%

Buy Apartment in City Center (m2)

$2,785 zł 10.3K

$2,826 Rp 49.8M

-1.45%

Buy Apartment Outside City Center (m2)

$1,832 zł 6,806

$2,292 Rp 40.4M

-20.04%

Average Monthly Net Salary (After Tax)

$1,071 zł 3,980

$170 Rp 3.0M

531.10%

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: August 31, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $454 in Tarnow and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tarnow pays 531% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $26.00 in Tarnow vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $192 vs $293 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 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 531% 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: $454 in Tarnow versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Tarnow versus $487 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,224 in Tarnow versus $1,396 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 $1,224 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.