Last update: Oct 2026

Cost of Living Comparison Between Tema and Ubud, Bali

For one person, living is cheaper in Tema: $734 a month against $1,368 in Ubud, Bali, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

36

Cost of Living Index in Tema
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Tema Living Index
67

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

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Tema

🇬🇭 Ghana

$734

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $734 in Tema versus $1,368 in Ubud, Bali.

Tema $734
Ubud, Bali $1,368

Estimated couple costs with rent: $1,166 in Tema versus $2,314 in Ubud, Bali.

Tema $1,166
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $1,598 in Tema versus $3,260 in Ubud, Bali.

Tema $1,598
Ubud, Bali $3,260

Living in Tema costs roughly 46% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Tema is 46% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$6.64 GHS 77.2

$3.33 Rp 59.9K

99.40%

Three-Course Dinner for Two, Mid-Range

$28.26 GHS 329

$35.18 Rp 633.2K

-19.67%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

Cappuccino

$4.97 GHS 57.9

$2.73 Rp 49.1K

82.05%

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

$0.88 GHS 10.23

$1.64 Rp 29.5K

-46.34%

Water (0.33 liter bottle)

$0.28 GHS 3.25

$0.83 Rp 15.0K

-66.27%

Local Beer (0.5 liter draught)

$3.22 GHS 37.45

$2.70 Rp 48.6K

19.26%

Imported Beer (0.33 liter bottle)

$2.57 GHS 29.85

$4.30 Rp 77.4K

-40.23%

Milk (1 liter)

$3.11 GHS 36.13

$1.50 Rp 27.1K

107.33%

White Bread (500g)

$1.52 GHS 17.72

$2.30 Rp 41.4K

-33.91%

Rice (white) (1kg)

$2.02 GHS 23.45

$1.18 Rp 21.2K

71.19%

Eggs

$2.33 GHS 27.08

$2.14 Rp 38.6K

8.88%

Local Cheese (1kg)

$4.27 GHS 49.67

$17.48 Rp 314.6K

-75.57%

Chicken Fillets (1kg)

$3.12 GHS 36.31

$4.03 Rp 72.5K

-22.58%

Beef Round Steak (1kg)

$3.48 GHS 40.50

$12.23 Rp 220.1K

-71.55%

Apples (1kg)

$2.52 GHS 29.29

$3.55 Rp 63.9K

-29.01%

Banana (1kg)

$2.18 GHS 25.37

$1.57 Rp 28.3K

38.85%

Oranges (1kg)

$2.08 GHS 24.19

$2.24 Rp 40.2K

-7.14%

Tomato (1kg)

$3.32 GHS 38.65

$1.93 Rp 34.7K

72.02%

Potato (1kg)

$3.43 GHS 39.94

$1.88 Rp 33.9K

82.45%

Onion (1kg)

$2.78 GHS 32.37

$2.29 Rp 41.3K

21.40%

Lettuce (1 head)

$0.40 GHS 4.64

$0.99 Rp 17.9K

-59.60%

Water (1.5 liter bottle)

$0.71 GHS 8.30

$0.53 Rp 9,475

33.96%

Cigarettes 20 Pack (Marlboro, Camel)

$1.24 GHS 14.37

$2.28 Rp 41.1K

-45.61%

Wine (Bottle)

$8.72 GHS 101

$23.01 Rp 414.2K

-62.10%

Local Beer (0.5 liter bottle)

$2.15 GHS 24.97

$2.34 Rp 42.2K

-8.12%

Imported Beer (0.33 liter bottle)

$2.95 GHS 34.30

$2.91 Rp 52.4K

1.37%

One-way Ticket (Public Transport)

$1.72 GHS 20.06

$0.24 Rp 4,315

616.67%

Public Transport Monthly Pass (Regular Price)

$40.78 GHS 474

$8.82 Rp 158.7K

362.36%

Taxi Start (Normal Tariff)

$2.18 GHS 25.35

$0.48 Rp 8,684

354.17%

Taxi (Normal Tariff) (1km)

$0.44 GHS 5.11

$0.46 Rp 8,233

-4.35%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

Gasoline (1 liter)

$1.19 GHS 13.84

$0.88 Rp 15.9K

35.23%

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

$24.6K Rp 442.2M

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

$31.2K Rp 561.4M

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

$77.4 GHS 900

$83.0 Rp 1.5M

-6.77%

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

$14.74 GHS 171

$6.45 Rp 116.0K

128.53%

Internet (50+ Mbps, Unlimited Data)

$80.4 GHS 935

$18.57 Rp 334.2K

333.01%

Gym Membership (Monthly)

$23.40 GHS 272

$55.8 Rp 1.0M

-58.08%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$8.70 GHS 101

$4.38 Rp 78.9K

98.63%

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

$167 GHS 1,946

$493 Rp 8.9M

-66.05%

International Primary School, 1 Child (Yearly)

$2,522 GHS 29.3K

$5,754 Rp 103.6M

-56.17%

Jeans (Levis 501 Or Similar)

$13.00 GHS 151

$46.19 Rp 831.4K

-71.86%

Summer Dress (H&M, Zara, etc)

$15.35 GHS 179

$35.33 Rp 636.0K

-56.55%

Sport Shoes (Adidas, Nike)

$42.57 GHS 495

$79.1 Rp 1.4M

-46.18%

Men's Leather Business Shoes

$31.35 GHS 365

$78.4 Rp 1.4M

-60.01%

1-bedroom Apartment, City Center (Monthly)

$129 GHS 1,503

$1,142 Rp 20.6M

-88.69%

1-bedroom Apartment, Outside City Center (Monthly)

$70.7 GHS 823

$676 Rp 12.2M

-89.53%

3-bedroom Apartment, City Center (Monthly)

$433 GHS 5,037

$3,503 Rp 63.1M

-87.64%

3-bedroom Apartment, Outside City Center (Monthly)

$206 GHS 2,401

$1,700 Rp 30.6M

-87.85%

Buy Apartment in City Center (m2)

$10.2K GHS 118.1K

$2,784 Rp 50.1M

264.62%

Buy Apartment Outside City Center (m2)

$6,098 GHS 70.9K

$2,241 Rp 40.3M

172.16%

Average Monthly Net Salary (After Tax)

$423 GHS 4,924

$165 Rp 3.0M

157.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

153.99%

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

Last update for Tema: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Tema

$213 29.1%

Ubud, Bali

$290 21.2% 36.2% $77

Monthly Utilities & Internet

Tema

$173 23.5%

Ubud, Bali

$108 7.9% 37.4% $65

Eating Out

Tema

$139 * 18.9%

Ubud, Bali

$109 8% 21.5% $30

Accommodation & Living

Tema

$71 9.6%

Ubud, Bali

$676 49.4% 855% $605

Getting Around

Tema

$52 7.1%

Ubud, Bali

$13 0.9% 75.9% $40

Clothing & Footwear

Tema

$46 6.3%

Ubud, Bali

$108 7.9% 134% $62

Sport & Entertainment

Tema

$41 5.6%

Ubud, Bali

$65 4.7% 58.2% $24

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

Cost Breakdown

A one-bedroom apartment in the center runs $129 in Tema and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tema pays 157% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $28.00 in Tema vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $213 vs $290 per month, with Tema cheaper across the board.

Good to know

🇬🇭 Tema

🇮🇩 Ubud, Bali

🕒 Local time

11:36 11:36 AM

19:36 7:36 PM

8 h ahead of Tema

🌤 Weather

👥 Population

160,000

74,800

💱 Currency

Ghanaian Cedi GHS ₵

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 19, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

Indonesian Rupiah exchange rates as of October 19, 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 GHS in detail →

On the map

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Highest

Between locations

Tema Ubud, Bali 12,870 km ≈ 17 h nonstop flight

From you

Tema
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

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

Tema wins on cost – living expenses run 86% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Tema the obvious pick if budget is a priority.

Average pay runs 157% higher in Tema, 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: $129 in Tema versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tema – a meal for two runs $28.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $734 per month in Tema versus $1,368 in Ubud, Bali – a 86% gap that adds up to real savings over time for anyone picking the cheaper option.

At $734 in Tema versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Tema but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tema the clear choice for anyone on this budget.

Both work as nomad bases, but Tema delivers better value – similar infrastructure at $734 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tema hard to pass up.

Safety-wise, Tema 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 Tema gentler on the wallet – expenses run 86% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.