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 $1,419 per month in Ubud, Bali vs $766 in Accra, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $1,317 in Accra, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $1,867 in Accra, rent included.

Ubud, Bali costs about 85% more than Accra, driven mainly by Clothing & Footwear.

Ubud, Bali sits 6% above the global median, while Accra is 43% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 64.3K

$4.29 GHS 50.7

-17.02%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 590.3K

$46.88 GHS 554

-30.18%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 89.2K

$7.82 GHS 92.5

-36.70%

Cappuccino

$2.71 Rp 48.9K

$3.45 GHS 40.81

-21.45%

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

$1.34 Rp 24.2K

$0.94 GHS 11.14

42.55%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.34 GHS 4.06

105.88%

Local Beer (0.5 liter draught)

$2.92 Rp 52.7K

$1.58 GHS 18.66

84.81%

Imported Beer (0.33 liter bottle)

$3.96 Rp 71.4K

$2.52 GHS 29.80

57.14%

Milk (1 liter)

$1.81 Rp 32.6K

$3.37 GHS 39.89

-46.29%

White Bread (500g)

$2.52 Rp 45.4K

$1.43 GHS 16.93

76.22%

Rice (white) (1kg)

$1.16 Rp 20.9K

$2.43 GHS 28.71

-52.26%

Eggs

$2.46 Rp 44.4K

$2.29 GHS 27.08

7.42%

Local Cheese (1kg)

$14.71 Rp 265.3K

$11.36 GHS 134

29.49%

Chicken Fillets (1kg)

$4.32 Rp 77.9K

$4.62 GHS 54.6

-6.49%

Beef Round Steak (1kg)

$12.14 Rp 218.9K

$6.03 GHS 71.3

101.33%

Apples (1kg)

$3.84 Rp 69.3K

$2.90 GHS 34.33

32.41%

Banana (1kg)

$1.56 Rp 28.1K

$1.44 GHS 17.00

8.33%

Oranges (1kg)

$2.83 Rp 51.1K

$1.64 GHS 19.42

72.56%

Tomato (1kg)

$2.33 Rp 41.9K

$3.08 GHS 36.37

-24.35%

Potato (1kg)

$1.91 Rp 34.5K

$3.13 GHS 36.96

-38.98%

Onion (1kg)

$2.20 Rp 39.7K

$2.42 GHS 28.64

-9.09%

Lettuce (1 head)

$1.01 Rp 18.3K

$0.82 GHS 9.65

23.17%

Water (1.5 liter bottle)

$0.78 Rp 14.0K

$0.52 GHS 6.10

50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.8K

$1.58 GHS 18.62

110.13%

Wine (Bottle)

$23.74 Rp 428.0K

$7.07 GHS 83.6

235.79%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.3K

$1.12 GHS 13.24

149.11%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.6K

$1.93 GHS 22.81

48.19%

One-way Ticket (Public Transport)

$0.27 Rp 4,848

$1.04 GHS 12.29

-74.04%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 144.8K

$34.78 GHS 411

-76.91%

Taxi Start (Normal Tariff)

$0.46 Rp 8,230

$1.56 GHS 18.42

-70.51%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,116

$1.18 GHS 13.92

-61.86%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.9K

$5.40 GHS 63.9

12.96%

Gasoline (1 liter)

$0.79 Rp 14.3K

$1.07 GHS 12.64

-26.17%

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

$26.1K Rp 471.6M

$8,145 GHS 96.3K

221.07%

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

$32.1K Rp 579.2M

$9,815 GHS 116.0K

227.26%

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

$79.9 Rp 1.4M

$56.4 GHS 667

41.69%

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

$4.06 Rp 73.3K

$13.00 GHS 154

-68.77%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 424.1K

$37.61 GHS 444

-37.46%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$35.58 GHS 421

177.40%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 119.6K

$16.03 GHS 190

-58.64%

Cinema Ticket

$4.15 Rp 74.8K

$9.60 GHS 114

-56.77%

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

$304 Rp 5.5M

$72.0 GHS 851

322.34%

International Primary School, 1 Child (Yearly)

$6,613 Rp 119.3M

$7,954 GHS 94.0K

-16.86%

Jeans (Levis 501 Or Similar)

$55.5 Rp 1.0M

$14.88 GHS 176

273.25%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 690.9K

$18.54 GHS 219

106.63%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$28.78 GHS 340

207.85%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$40.81 GHS 482

90.81%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.1M

$529 GHS 6,255

90.20%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.2M

$150 GHS 1,776

349.56%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 62.1M

$1,038 GHS 12.3K

231.47%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.8M

$365 GHS 4,316

458.54%

Buy Apartment in City Center (m2)

$2,841 Rp 51.2M

$2,841 GHS 33.6K

0.02%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.8M

$1,501 GHS 17.7K

50.85%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$172 GHS 2,038

-4.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

25.4

-47.72%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Accra: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $529 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 4% 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 $33.00 in Ubud, Bali versus $47.00 in Accra. Groceries tell a different story – $302 in Ubud, Bali vs $235 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: $1,419 in Ubud, Bali, $766 in Accra – roughly 85% apart. Ubud, Bali costs more across the board, with Clothing & Footwear showing the biggest gap.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $1,150 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 29% 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 $33.00 in Ubud, Bali and $47.00 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 $766, than in Ubud, Bali at $1,419. 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 $766 in Accra to $1,419 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.