Last update: Oct 2026

Cost of Living Comparison Between Tarnowskie Góry and Ubud, Bali

For one person, living costs are similar in Tarnowskie Góry and in Ubud, Bali: $1,412 and $1,353 a month, rent and utilities included.

68

Cost of Living Index in Tarnowskie Góry
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Tarnowskie Góry Living Index
66

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

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Tarnowskie Góry

🇵🇱 Poland

$1,412

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,412 in Tarnowskie Góry versus $1,353 in Ubud, Bali.

Tarnowskie Góry $1,412
Ubud, Bali $1,353

Estimated couple costs with rent: $2,017 in Tarnowskie Góry versus $2,297 in Ubud, Bali.

Tarnowskie Góry $2,017
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,622 in Tarnowskie Góry versus $3,241 in Ubud, Bali.

Tarnowskie Góry $2,622
Ubud, Bali $3,241

Living in Tarnowskie Góry is roughly 4% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Tarnowskie Góry 4% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$9.69 zł 37.66

$3.23 Rp 58.1K

200.00%

Three-Course Dinner for Two, Mid-Range

$34.34 zł 133

$34.88 Rp 627.8K

-1.55%

Fast Food Meal (McDonalds, etc)

$8.94 zł 34.75

$5.70 Rp 102.5K

56.84%

Cappuccino

$3.52 zł 13.66

$2.62 Rp 47.1K

34.35%

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

$2.67 zł 10.38

$1.72 Rp 31.0K

55.23%

Water (0.33 liter bottle)

$2.59 zł 10.07

$0.81 Rp 14.6K

219.75%

Local Beer (0.5 liter draught)

$3.60 zł 13.99

$2.65 Rp 47.7K

35.85%

Imported Beer (0.33 liter bottle)

$4.63 zł 18.00

$4.37 Rp 78.6K

5.95%

Milk (1 liter)

$0.93 zł 3.61

$1.57 Rp 28.3K

-40.76%

White Bread (500g)

$1.25 zł 4.87

$2.19 Rp 39.5K

-42.92%

Rice (white) (1kg)

$1.33 zł 5.16

$1.18 Rp 21.2K

12.71%

Eggs

$3.33 zł 12.94

$2.16 Rp 38.8K

54.17%

Local Cheese (1kg)

$8.06 zł 31.30

$17.65 Rp 317.7K

-54.33%

Chicken Fillets (1kg)

$5.48 zł 21.29

$3.78 Rp 68.0K

44.97%

Beef Round Steak (1kg)

$11.54 zł 44.82

$11.95 Rp 215.1K

-3.43%

Apples (1kg)

$1.07 zł 4.16

$3.60 Rp 64.8K

-70.28%

Banana (1kg)

$1.37 zł 5.34

$1.59 Rp 28.6K

-13.84%

Oranges (1kg)

$1.42 zł 5.51

$2.31 Rp 41.6K

-38.53%

Tomato (1kg)

$2.61 zł 10.13

$1.91 Rp 34.3K

36.65%

Potato (1kg)

$0.79 zł 3.07

$1.78 Rp 32.1K

-55.62%

Onion (1kg)

$0.83 zł 3.21

$2.33 Rp 41.9K

-64.38%

Lettuce (1 head)

$1.29 zł 5.02

$1.00 Rp 18.0K

29.00%

Water (1.5 liter bottle)

$0.65 zł 2.52

$0.53 Rp 9,509

22.64%

Cigarettes 20 Pack (Marlboro, Camel)

$5.76 zł 22.36

$2.29 Rp 41.1K

151.53%

Wine (Bottle)

$6.28 zł 24.39

$22.07 Rp 397.3K

-71.55%

Local Beer (0.5 liter bottle)

$1.03 zł 4.02

$2.35 Rp 42.2K

-56.17%

Imported Beer (0.33 liter bottle)

$1.64 zł 6.39

$2.98 Rp 53.6K

-44.97%

One-way Ticket (Public Transport)

$1.09 zł 4.24

$0.23 Rp 4,112

373.91%

Public Transport Monthly Pass (Regular Price)

$30.88 zł 120

$8.90 Rp 160.2K

246.97%

Taxi Start (Normal Tariff)

$1.59 zł 6.16

$0.47 Rp 8,466

238.30%

Taxi (Normal Tariff) (1km)

$0.58 zł 2.26

$0.43 Rp 7,737

34.88%

Taxi 1hour Waiting (Normal Tariff)

$9.03 zł 35.09

$5.47 Rp 98.4K

65.08%

Gasoline (1 liter)

$1.68 zł 6.52

$0.83 Rp 14.9K

102.41%

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

$30.4K zł 118.2K

$23.9K Rp 429.8M

27.44%

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

$26.3K zł 102.0K

$32.8K Rp 590.1M

-19.92%

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

$274 zł 1,063

$80.0 Rp 1.4M

242.06%

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

$8.09 zł 31.45

$6.56 Rp 118.1K

23.32%

Internet (50+ Mbps, Unlimited Data)

$17.21 zł 66.9

$18.60 Rp 334.8K

-7.47%

Gym Membership (Monthly)

$37.43 zł 145

$54.1 Rp 974.1K

-30.84%

Tennis Court (1 Hour on Weekend)

$21.94 zł 85.2

$18.28 Rp 329.0K

20.02%

Cinema Ticket

$7.18 zł 27.88

$4.25 Rp 76.5K

68.94%

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

$518 zł 2,014

$493 Rp 8.9M

5.22%

International Primary School, 1 Child (Yearly)

$10.4K zł 40.3K

$5,597 Rp 100.7M

85.20%

Jeans (Levis 501 Or Similar)

$69.7 zł 271

$45.58 Rp 820.4K

52.92%

Summer Dress (H&M, Zara, etc)

$30.86 zł 120

$34.96 Rp 629.4K

-11.73%

Sport Shoes (Adidas, Nike)

$89.5 zł 348

$77.7 Rp 1.4M

15.12%

Men's Leather Business Shoes

$94.3 zł 366

$78.5 Rp 1.4M

20.06%

1-bedroom Apartment, City Center (Monthly)

$608 zł 2,362

$1,131 Rp 20.4M

-46.28%

1-bedroom Apartment, Outside City Center (Monthly)

$502 zł 1,949

$673 Rp 12.1M

-25.44%

3-bedroom Apartment, City Center (Monthly)

$984 zł 3,824

$3,613 Rp 65.0M

-72.75%

3-bedroom Apartment, Outside City Center (Monthly)

$807 zł 3,136

$1,702 Rp 30.6M

-52.57%

Buy Apartment in City Center (m2)

$2,877 zł 11.2K

$2,717 Rp 48.9M

5.89%

Buy Apartment Outside City Center (m2)

$2,185 zł 8,490

$2,241 Rp 40.3M

-2.50%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

13.78

-50.15%

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

Last update for Tarnowskie Góry: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Tarnowskie Góry

$502 35.5%

Ubud, Bali

$673 49.7% 34.1% $171

Monthly Utilities & Internet

Tarnowskie Góry

$299 21.2%

Ubud, Bali

$105 7.8% 64.8% $194

Groceries & Markets

Tarnowskie Góry

$197 14%

Ubud, Bali

$287 21.2% 45.8% $90

Eating Out

Tarnowskie Góry

$195 13.8%

Ubud, Bali

$106 7.9% 45.4% $88

Clothing & Footwear

Tarnowskie Góry

$128 9.1%

Ubud, Bali

$107 7.9% 16.7% $21

Sport & Entertainment

Tarnowskie Góry

$52 3.7%

Ubud, Bali

$63 4.6% 20.9% $11

Getting Around

Tarnowskie Góry

$40 2.8%

Ubud, Bali

$12 0.9% 68.7% $27

Cost Breakdown

A one-bedroom apartment in the center runs $608 in Tarnowskie Góry and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $34.00 in Tarnowskie Góry vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $197 vs $287 per month, with Tarnowskie Góry cheaper across the board.

Good to know

🇵🇱 Tarnowskie Góry

🇮🇩 Ubud, Bali

🕒 Local time

02:18 2:18 AM

08:18 8:18 AM

6 h ahead of Tarnowskie Góry

🌤 Weather

👥 Population

61,789

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 21, 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 21, 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

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Highest

Between locations

Tarnowskie Góry Ubud, Bali 11,190 km ≈ 14 h nonstop flight

From you

Tarnowskie Góry
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

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

Tarnowskie Góry and Ubud, Bali differ by about 4% in total monthly costs ($1,412 vs $1,353 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,118 in Tarnowskie Góry and $2,030 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: $608 in Tarnowskie Góry versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 247% less than in Tarnowskie Góry. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $518 in Tarnowskie Góry versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,353 in Ubud, Bali versus $1,412 in Tarnowskie Góry, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Tarnowskie Góry. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Tarnowskie Góry 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 4% less than in Tarnowskie Góry. Beyond cost, consider language, visa policies, and how big the international community is in each city.