Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Accra

For one person, living is cheaper in Accra: $1,077 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
52

Cost of Living Index in Accra
Learn more

Accra Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Accra

🇬🇭 Ghana

$1,077

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Accra

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Accra actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $1,077 in Accra, rent included.

Ubud, Bali $1,349
Accra $1,077

A couple spends around $2,305 per month in Ubud, Bali vs $1,708 in Accra, rent included.

Ubud, Bali $2,305
Accra $1,708

A family of three spends $3,261 per month in Ubud, Bali vs $2,340 in Accra, rent included.

Ubud, Bali $3,261
Accra $2,340

Ubud, Bali costs about 25% more than Accra, and outside of rent the biggest gap is in clothing.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$8.38 GHS 97.1

-60.38%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$51.6 GHS 597

-30.86%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$10.25 GHS 119

-46.05%

Cappuccino

$2.72 Rp 49.4K

$4.59 GHS 53.2

-40.74%

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

$1.70 Rp 30.9K

$1.62 GHS 18.71

4.94%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.47 GHS 5.48

61.70%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.90 GHS 22.01

39.47%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$2.19 GHS 25.32

100.00%

Milk (1 liter)

$1.49 Rp 27.1K

$3.59 GHS 41.53

-58.50%

White Bread (500g)

$2.28 Rp 41.4K

$1.62 GHS 18.79

40.74%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.08 GHS 35.70

-61.36%

Eggs

$2.04 Rp 37.0K

$2.62 GHS 30.36

-22.14%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.92 GHS 138

48.49%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$7.37 GHS 85.3

-46.27%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$9.96 GHS 115

22.39%

Apples (1kg)

$3.66 Rp 66.4K

$3.58 GHS 41.45

2.23%

Banana (1kg)

$1.52 Rp 27.6K

$1.39 GHS 16.06

9.35%

Oranges (1kg)

$2.23 Rp 40.5K

$1.78 GHS 20.61

25.28%

Tomato (1kg)

$1.97 Rp 35.9K

$3.73 GHS 43.20

-47.18%

Potato (1kg)

$1.85 Rp 33.6K

$2.79 GHS 32.33

-33.69%

Onion (1kg)

$2.42 Rp 44.1K

$2.77 GHS 32.13

-12.64%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.74 GHS 8.63

33.78%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.62 GHS 7.14

-17.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$2.63 GHS 30.49

-15.59%

Wine (Bottle)

$22.24 Rp 404.2K

$7.14 GHS 82.6

211.48%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.25 GHS 14.44

80.80%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.36 GHS 27.37

25.85%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.52 GHS 17.64

-83.55%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$41.35 GHS 479

-81.09%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.76 GHS 20.36

-75.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.27 GHS 14.74

-66.14%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$4.24 GHS 49.04

27.59%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.31 GHS 15.17

-37.40%

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

$23.8K Rp 433.3M

$7,861 GHS 91.0K

203.29%

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

$31.7K Rp 577.0M

$20.1K GHS 232.9K

57.86%

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

$79.1 Rp 1.4M

$73.3 GHS 849

7.81%

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

$6.45 Rp 117.2K

$19.53 GHS 226

-66.97%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$42.72 GHS 495

-56.51%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$70.6 GHS 818

-29.93%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$18.31 GHS 212

-3.60%

Cinema Ticket

$4.27 Rp 77.7K

$12.80 GHS 148

-66.64%

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

$491 Rp 8.9M

$468 GHS 5,418

4.84%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$18.5K GHS 214.1K

-69.31%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$14.14 GHS 164

215.70%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$18.57 GHS 215

88.21%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$36.87 GHS 427

116.71%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$52.4 GHS 607

51.54%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$686 GHS 7,942

64.01%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$280 GHS 3,247

139.51%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,077 GHS 12.5K

230.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$474 GHS 5,492

263.38%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,839 GHS 32.9K

-3.76%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,425 GHS 16.5K

60.31%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$176 GHS 2,034

-6.71%

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: October 25, 2026

Last update for Accra: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Accra

$280 26% 58.3% $391

Groceries & Markets

Ubud, Bali

$288 21.4%

Accra

$279 25.9% 3.3% $9.5

Eating Out

Ubud, Bali

$108 8%

Accra

$175 16.3% 62.7% $67

Clothing & Footwear

Ubud, Bali

$108 8%

Accra

$55 5.1% 48.9% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Accra

$136 12.6% 30.3% $32

Sport & Entertainment

Ubud, Bali

$58 4.3%

Accra

$96 8.9% 65.8% $38

Getting Around

Ubud, Bali

$11 0.9%

Accra

$56 5.2% 387% $44

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $686 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 7% 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 in Ubud, Bali versus $52 in Accra. Groceries tell a different story – $288 in Ubud, Bali vs $279 in Accra – so Accra wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇬🇭 Accra

🕒 Local time

01:45 1:45 AM

17:45 5:45 PM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

2,388,000 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Ghanaian Cedi GHS ₵

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

Exchange rates and currency converter

GHS, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Ghanaian Cedi exchange rates as of October 28, 2026: 1 USD = 11.58 GHS (100 GHS = 8.64 USD). 1 EUR = 12.89 GHS (100 GHS = 7.76 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Accra 12,890 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Accra

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

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

Monthly costs with rent: $1,349 in Ubud, Bali, $1,077 in Accra – roughly 25% apart. Outside of rent, the biggest gap is in clothing.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,615 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: a one-bedroom in the center costs $686 there versus $1,125 in Ubud, Bali.

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 in Ubud, Bali and $52 in Accra. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 covers both cities comfortably – all-in costs are $1,349 in Ubud, Bali and $1,077 in Accra, leaving budget for savings and extras in both cases.

Families tend to lean toward Accra – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.