Last update: Oct 2026

Cost of Living Comparison Between Tracy, CA and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,327 in Tracy, CA, rent and utilities included – about $11,500 less a year. Other living expenses account for most of the difference.

114

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index
67

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

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Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $2,327 per month in Tracy, CA vs $1,368 in Ubud, Bali, rent included.

Tracy, CA $2,327
Ubud, Bali $1,368

A couple spends around $2,585 per month in Tracy, CA vs $2,314 in Ubud, Bali, rent included.

Tracy, CA $2,585
Ubud, Bali $2,314

A family of three spends $2,843 per month in Tracy, CA vs $3,260 in Ubud, Bali, rent included.

Tracy, CA $2,843
Ubud, Bali $3,260

Tracy, CA costs about 70% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Tracy, CA and Ubud, Bali sit above the global median – Tracy, CA by 72%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$19.75 $19.75

$3.33 Rp 59.9K

493.09%

Three-Course Dinner for Two, Mid-Range

$50.9 $50.9

$35.18 Rp 633.2K

44.66%

Fast Food Meal (McDonalds, etc)

$10.10 $10.10

$5.80 Rp 104.5K

74.14%

Cappuccino

$4.52 $4.52

$2.73 Rp 49.1K

65.57%

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

$3.12 $3.12

$1.64 Rp 29.5K

90.24%

Water (0.33 liter bottle)

$1.81 $1.81

$0.83 Rp 15.0K

118.07%

Local Beer (0.5 liter draught)

$6.10 $6.10

$2.70 Rp 48.6K

125.93%

Imported Beer (0.33 liter bottle)

$7.44 $7.44

$4.30 Rp 77.4K

73.02%

Milk (1 liter)

$1.34 $1.34

$1.50 Rp 27.1K

-10.67%

White Bread (500g)

$4.19 $4.19

$2.30 Rp 41.4K

82.17%

Rice (white) (1kg)

$5.50 $5.50

$1.18 Rp 21.2K

366.10%

Eggs

$3.42 $3.42

$2.14 Rp 38.6K

59.81%

Local Cheese (1kg)

$16.30 $16.30

$17.48 Rp 314.6K

-6.75%

Chicken Fillets (1kg)

$11.11 $11.11

$4.03 Rp 72.5K

175.68%

Beef Round Steak (1kg)

$15.47 $15.47

$12.23 Rp 220.1K

26.49%

Apples (1kg)

$4.45 $4.45

$3.55 Rp 63.9K

25.35%

Banana (1kg)

$2.26 $2.26

$1.57 Rp 28.3K

43.95%

Oranges (1kg)

$4.36 $4.36

$2.24 Rp 40.2K

94.64%

Tomato (1kg)

$4.36 $4.36

$1.93 Rp 34.7K

125.91%

Potato (1kg)

$2.21 $2.21

$1.88 Rp 33.9K

17.55%

Onion (1kg)

$3.23 $3.23

$2.29 Rp 41.3K

41.05%

Lettuce (1 head)

$2.04 $2.04

$0.99 Rp 17.9K

106.06%

Water (1.5 liter bottle)

$2.01 $2.01

$0.53 Rp 9,475

279.25%

Cigarettes 20 Pack (Marlboro, Camel)

$11.91 $11.91

$2.28 Rp 41.1K

422.37%

Wine (Bottle)

$13.06 $13.06

$23.01 Rp 414.2K

-43.24%

Local Beer (0.5 liter bottle)

$2.10 $2.10

$2.34 Rp 42.2K

-10.26%

Imported Beer (0.33 liter bottle)

$2.75 $2.75

$2.91 Rp 52.4K

-5.50%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$8.82 Rp 158.7K

632.77%

Taxi Start (Normal Tariff)

$2.44 $2.44

$0.48 Rp 8,684

408.33%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$0.46 Rp 8,233

302.17%

Taxi 1hour Waiting (Normal Tariff)

$29.48 $29.48

$5.45 Rp 98.2K

440.92%

Gasoline (1 liter)

$1.45 $1.45

$0.88 Rp 15.9K

64.77%

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

$37.3K $37.3K

$24.6K Rp 442.2M

51.79%

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

$25.8K $25.8K

$31.2K Rp 561.4M

-17.18%

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

$179 $179

$83.0 Rp 1.5M

115.43%

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

$50.6 $50.6

$6.45 Rp 116.0K

683.72%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$18.57 Rp 334.2K

307.81%

Gym Membership (Monthly)

$55.8 Rp 1.0M

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$14.93 $14.93

$4.38 Rp 78.9K

240.87%

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

$2,471 $2,471

$493 Rp 8.9M

401.27%

International Primary School, 1 Child (Yearly)

$35.4K $35.4K

$5,754 Rp 103.6M

515.54%

Jeans (Levis 501 Or Similar)

$71.4 $71.4

$46.19 Rp 831.4K

54.58%

Summer Dress (H&M, Zara, etc)

$72.0 $72.0

$35.33 Rp 636.0K

103.71%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$79.1 Rp 1.4M

21.13%

Men's Leather Business Shoes

$233 $233

$78.4 Rp 1.4M

197.16%

1-bedroom Apartment, City Center (Monthly)

$1,775 $1,775

$1,142 Rp 20.6M

55.36%

1-bedroom Apartment, Outside City Center (Monthly)

$991 $991

$676 Rp 12.2M

46.70%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

Buy Apartment in City Center (m2)

$3,758 $3,758

$2,784 Rp 50.1M

34.97%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$5,739 $5,739

$165 Rp 3.0M

3387.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

13.78

-51.96%

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

Last update for Tracy, CA: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Tracy, CA

$991 42.6%

Ubud, Bali

$676 49.4% 31.8% $316

Groceries & Markets

Tracy, CA

$404 17.4%

Ubud, Bali

$290 21.2% 28.2% $114

Eating Out

Tracy, CA

$308 13.2%

Ubud, Bali

$109 8% 64.6% $199

Monthly Utilities & Internet

Tracy, CA

$305 13.1%

Ubud, Bali

$108 7.9% 64.6% $197

Clothing & Footwear

Tracy, CA

$212 9.1%

Ubud, Bali

$108 7.9% 49.4% $105

Getting Around

Tracy, CA

$76 * 3.3%

Ubud, Bali

$13 0.9% 83.6% $64

Sport & Entertainment

Tracy, CA

$30 * 1.3%

Ubud, Bali

$65 4.7% 116% $35

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

Cost Breakdown

A central one-bedroom costs $1,775 in Tracy, CA versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 3388% higher in Tracy, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $51.0 in Tracy, CA versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $404 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Tracy, CA

🇮🇩 Ubud, Bali

🕒 Local time

17:15 5:15 PM

08:15 8:15 AM

15 h ahead of Tracy, CA

🌤 Weather

👥 Population

98,337

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 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).

IDR to USD in detail →

On the map

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Between locations

Tracy, CA Ubud, Bali 13,490 km ≈ 17 h nonstop flight

From you

Tracy, CA
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

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

Tracy, CA costs about 70% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,490 per month in Tracy, CA and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 39% more in Tracy, CA, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $51.0 in Tracy, CA and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Tracy, CA at $2,327. In Ubud, Bali it covers expenses comfortably, while in Tracy, CA it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,368 versus $2,327 in Tracy, CA. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tracy, CA makes more sense. Both are solid long-term options with distinct trade-offs.