Last update: Oct 2026

Cost of Living Comparison Between Toronto and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,589 in Toronto, rent and utilities included – about $14,900 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Toronto
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Toronto Living Index
65

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

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Toronto

🇨🇦 Canada

$2,589

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,589 in Toronto versus $1,349 in Ubud, Bali.

Toronto $2,589
Ubud, Bali $1,349

Estimated couple costs with rent: $3,710 in Toronto versus $2,305 in Ubud, Bali.

Toronto $3,710
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,831 in Toronto versus $3,261 in Ubud, Bali.

Toronto $4,831
Ubud, Bali $3,261

Living in Toronto is roughly 92% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$17.60 CA$24.59

$3.32 Rp 60.2K

430.12%

Three-Course Dinner for Two, Mid-Range

$77.8 CA$109

$35.64 Rp 645.8K

118.32%

Fast Food Meal (McDonalds, etc)

$10.59 CA$14.79

$5.53 Rp 100.3K

91.50%

Cappuccino

$4.16 CA$5.81

$2.72 Rp 49.3K

52.94%

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

$2.04 CA$2.86

$1.70 Rp 30.8K

20.00%

Water (0.33 liter bottle)

$1.75 CA$2.45

$0.76 Rp 13.8K

130.26%

Local Beer (0.5 liter draught)

$6.58 CA$9.19

$2.65 Rp 48.1K

148.30%

Imported Beer (0.33 liter bottle)

$7.11 CA$9.94

$4.38 Rp 79.4K

62.33%

Milk (1 liter)

$2.53 CA$3.54

$1.49 Rp 27.0K

69.80%

White Bread (500g)

$2.70 CA$3.78

$2.28 Rp 41.2K

18.42%

Rice (white) (1kg)

$2.24 CA$3.13

$1.19 Rp 21.6K

88.24%

Eggs

$3.48 CA$4.87

$2.04 Rp 36.9K

70.59%

Local Cheese (1kg)

$9.38 CA$13.10

$17.70 Rp 320.8K

-47.01%

Chicken Fillets (1kg)

$11.60 CA$16.21

$3.96 Rp 71.8K

192.93%

Beef Round Steak (1kg)

$14.68 CA$20.52

$12.19 Rp 220.9K

20.43%

Apples (1kg)

$3.74 CA$5.23

$3.66 Rp 66.2K

2.19%

Banana (1kg)

$1.22 CA$1.71

$1.52 Rp 27.5K

-19.74%

Oranges (1kg)

$3.48 CA$4.86

$2.23 Rp 40.4K

56.05%

Tomato (1kg)

$4.32 CA$6.04

$1.97 Rp 35.7K

119.29%

Potato (1kg)

$1.85 CA$2.59

$1.85 Rp 33.5K

Onion (1kg)

$1.69 CA$2.36

$2.42 Rp 43.9K

-30.17%

Lettuce (1 head)

$2.23 CA$3.11

$0.99 Rp 17.9K

125.25%

Water (1.5 liter bottle)

$1.28 CA$1.78

$0.51 Rp 9,303

150.98%

Cigarettes 20 Pack (Marlboro, Camel)

$14.04 CA$19.62

$2.22 Rp 40.3K

532.43%

Wine (Bottle)

$14.43 CA$20.16

$22.24 Rp 403.0K

-35.12%

Local Beer (0.5 liter bottle)

$2.16 CA$3.01

$2.26 Rp 41.0K

-4.42%

Imported Beer (0.33 liter bottle)

$2.52 CA$3.53

$2.97 Rp 53.8K

-15.15%

One-way Ticket (Public Transport)

$2.37 CA$3.31

$0.25 Rp 4,548

848.00%

Public Transport Monthly Pass (Regular Price)

$112 CA$157

$7.82 Rp 141.8K

1338.11%

Taxi Start (Normal Tariff)

$3.04 CA$4.25

$0.44 Rp 7,964

590.91%

Taxi (Normal Tariff) (1km)

$1.24 CA$1.73

$0.43 Rp 7,793

188.37%

Taxi 1hour Waiting (Normal Tariff)

$22.55 CA$31.51

$5.41 Rp 98.0K

316.82%

Gasoline (1 liter)

$1.24 CA$1.74

$0.82 Rp 14.9K

51.22%

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

$26.9K CA$37.6K

$23.8K Rp 432.0M

12.85%

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

$21.4K CA$29.9K

$31.7K Rp 575.3M

-32.64%

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

$125 CA$174

$79.1 Rp 1.4M

57.65%

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

$33.05 CA$46.19

$6.45 Rp 116.8K

412.40%

Internet (50+ Mbps, Unlimited Data)

$47.96 CA$67.0

$18.58 Rp 336.7K

158.13%

Gym Membership (Monthly)

$36.69 CA$51.3

$49.48 Rp 896.7K

-25.85%

Tennis Court (1 Hour on Weekend)

$23.67 CA$33.07

$17.65 Rp 319.8K

34.11%

Cinema Ticket

$13.08 CA$18.27

$4.27 Rp 77.4K

206.32%

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

$759 CA$1,060

$491 Rp 8.9M

54.71%

International Primary School, 1 Child (Yearly)

$23.8K CA$33.2K

$5,674 Rp 102.8M

319.15%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.8

$44.64 Rp 808.9K

19.94%

Summer Dress (H&M, Zara, etc)

$40.44 CA$56.5

$34.95 Rp 633.4K

15.71%

Sport Shoes (Adidas, Nike)

$100 CA$140

$79.9 Rp 1.4M

25.76%

Men's Leather Business Shoes

$125 CA$175

$79.4 Rp 1.4M

57.68%

1-bedroom Apartment, City Center (Monthly)

$1,630 CA$2,277

$1,125 Rp 20.4M

44.89%

1-bedroom Apartment, Outside City Center (Monthly)

$1,416 CA$1,978

$671 Rp 12.2M

110.84%

3-bedroom Apartment, City Center (Monthly)

$2,694 CA$3,765

$3,565 Rp 64.6M

-24.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,101 CA$2,936

$1,723 Rp 31.2M

21.92%

Buy Apartment in City Center (m2)

$7,551 CA$10.6K

$2,732 Rp 49.5M

176.42%

Buy Apartment Outside City Center (m2)

$6,674 CA$9,325

$2,284 Rp 41.4M

192.20%

Average Monthly Net Salary (After Tax)

$3,543 CA$4,951

$164 Rp 3.0M

2062.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

13.78

-67.71%

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

Last update for Toronto: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Toronto

$1.4K 54.7%

Ubud, Bali

$672 49.8% 52.6% $744

Groceries & Markets

Toronto

$345 13.3%

Ubud, Bali

$288 21.4% 16.4% $56

Eating Out

Toronto

$285 11%

Ubud, Bali

$108 8% 62.2% $177

Monthly Utilities & Internet

Toronto

$206 7.9%

Ubud, Bali

$104 7.7% 49.4% $102

Clothing & Footwear

Toronto

$144 5.6%

Ubud, Bali

$108 8% 25.3% $36

Getting Around

Toronto

$131 5.1%

Ubud, Bali

$11 0.9% 91.3% $120

Sport & Entertainment

Toronto

$63 2.4%

Ubud, Bali

$58 4.3% 7.7% $4.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,630 in Toronto and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Toronto pays about 22 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $78 in Toronto vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $345 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇦 Toronto

🇮🇩 Ubud, Bali

🕒 Local time

14:20 2:20 PM

03:20 3:20 AM

13 h ahead of Toronto

🌤 Weather

👥 Population

2,731,571

74,800

💱 Currency

Canadian Dollar CAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 1, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.56 CAD (1 CAD = 0.641 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to CAD in detail →

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Between locations

Toronto Ubud, Bali 15,860 km ≈ 20 h nonstop flight

From you

Toronto
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

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

Ubud, Bali is about 48% cheaper overall, especially in eating out, transport, and groceries. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Toronto is about 22 times higher, 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: $1,630 in Toronto versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 20% higher in Toronto. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $78 in Toronto. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 48% less than in Toronto. Beyond cost, consider language, visa policies, and how big the international community is in each city.