Cost of Living Comparison Between Ubud, Bali and Accra Cost of Living Comparison Between Ubud, Bali and Accra

Monthly Cost of Living

A single person spends $1,378 per month in Ubud, Bali vs $1,105 in Accra, rent included.

A couple spends around $2,327 per month in Ubud, Bali vs $1,727 in Accra, rent included.

A family of three spends $3,275 per month in Ubud, Bali vs $2,348 in Accra, rent included.

Ubud, Bali costs about 25% more than Accra, driven mainly by Eating Out.

Ubud, Bali sits 0% above the global median, while Accra is 20% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$7.99 GHS 91.3

-58.32%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$51.9 GHS 593

-31.00%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$10.73 GHS 123

-47.53%

Cappuccino

$2.82 Rp 49.7K

$4.59 GHS 52.5

-38.56%

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

$1.75 Rp 30.8K

$1.62 GHS 18.53

8.02%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.45 GHS 5.17

77.78%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.90 GHS 21.70

60.00%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$2.33 GHS 26.66

84.55%

Milk (1 liter)

$1.61 Rp 28.3K

$3.68 GHS 42.03

-56.25%

White Bread (500g)

$2.27 Rp 39.9K

$1.72 GHS 19.62

31.98%

Rice (white) (1kg)

$1.17 Rp 20.6K

$3.17 GHS 36.18

-63.09%

Eggs

$2.17 Rp 38.2K

$2.70 GHS 30.80

-19.63%

Local Cheese (1kg)

$17.63 Rp 310.5K

$12.24 GHS 140

44.04%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$7.54 GHS 86.1

-46.29%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$10.04 GHS 115

21.31%

Apples (1kg)

$3.62 Rp 63.7K

$3.75 GHS 42.87

-3.47%

Banana (1kg)

$1.64 Rp 28.8K

$1.43 GHS 16.29

14.69%

Oranges (1kg)

$2.31 Rp 40.6K

$1.80 GHS 20.59

28.33%

Tomato (1kg)

$1.96 Rp 34.5K

$3.59 GHS 41.01

-45.40%

Potato (1kg)

$1.84 Rp 32.5K

$2.72 GHS 31.01

-32.35%

Onion (1kg)

$2.37 Rp 41.7K

$2.76 GHS 31.48

-14.13%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.73 GHS 8.34

43.84%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.63 GHS 7.15

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$2.61 GHS 29.77

-11.88%

Wine (Bottle)

$23.08 Rp 406.4K

$7.32 GHS 83.5

215.30%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.30 GHS 14.81

80.00%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.43 GHS 27.77

26.34%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.58 GHS 18.01

-84.18%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$42.03 GHS 480

-77.59%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$1.78 GHS 20.38

-72.47%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.34 GHS 15.31

-64.93%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$4.52 GHS 51.7

23.89%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.38 GHS 15.76

-41.30%

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

$25.0K Rp 440.3M

$7,902 GHS 90.2K

216.50%

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

$31.1K Rp 547.0M

$10.2K GHS 116.1K

205.46%

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

$82.7 Rp 1.5M

$75.8 GHS 865

9.20%

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

$6.49 Rp 114.2K

$19.38 GHS 221

-66.51%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$44.26 GHS 506

-57.55%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$73.0 GHS 833

-24.29%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$18.49 GHS 211

-1.51%

Cinema Ticket

$4.30 Rp 75.7K

$13.00 GHS 148

-66.92%

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

$494 Rp 8.7M

$468 GHS 5,344

5.60%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$18.4K GHS 210.6K

-67.92%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$14.45 GHS 165

220.28%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$18.99 GHS 217

91.89%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$37.24 GHS 425

116.70%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$54.6 GHS 623

44.40%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$693 GHS 7,909

60.85%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$278 GHS 3,180

148.98%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,104 GHS 12.6K

229.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$475 GHS 5,419

260.83%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$2,888 GHS 33.0K

-4.40%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,474 GHS 16.8K

55.57%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$181 GHS 2,068

-7.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

26.75

-48.49%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Accra: September 5, 2026

Cost Breakdown

A central one-bedroom costs $1,114 in Ubud, Bali versus $693 in Accra. 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 8% higher in Accra, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36.00 in Ubud, Bali versus $52.0 in Accra. Groceries tell a different story – $294 in Ubud, Bali vs $285 in Accra – so Accra wins on supermarket bills even if dining out costs more.

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

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

Monthly costs with rent: $1,378 in Ubud, Bali, $1,105 in Accra – roughly 25% apart. Ubud, Bali costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,067 per month in Ubud, Bali and $1,658 in Accra. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 3% more in Ubud, Bali, 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 $36.00 in Ubud, Bali and $52.0 in Accra. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Accra, where all-in costs run around $1,105, than in Ubud, Bali at $1,378. In Accra it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,105 in Accra to $1,378 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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