Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ajman

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,842 in Ajman, rent and utilities included – about $5,900 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
88

Cost of Living Index in Ajman
Learn more

Ajman Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ajman

🇦🇪 United Arab Emirates

$1,842

/mo nomad

Monthly Cost of Living

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

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 Ajman actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,842 in Ajman.

Ubud, Bali $1,349
Ajman $1,842

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,306 in Ajman.

Ubud, Bali $2,305
Ajman $3,306

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,769 in Ajman.

Ubud, Bali $3,261
Ajman $4,769

Living in Ubud, Bali costs roughly 27% less than in Ajman, and outside of rent the biggest gap is in utilities.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$5.66 AED 20.79

-41.34%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$26.78 AED 98.4

33.08%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$8.13 AED 29.86

-31.98%

Cappuccino

$2.72 Rp 49.4K

$3.72 AED 13.65

-26.88%

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

$1.70 Rp 30.9K

$0.80 AED 2.93

112.50%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.40 AED 1.46

90.00%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$10.77 AED 39.55

-75.39%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$12.48 AED 45.83

-64.90%

Milk (1 liter)

$1.49 Rp 27.1K

$1.95 AED 7.14

-23.59%

White Bread (500g)

$2.28 Rp 41.4K

$1.35 AED 4.97

68.89%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.46 AED 5.35

-18.49%

Eggs

$2.04 Rp 37.0K

$2.08 AED 7.65

-1.92%

Local Cheese (1kg)

$17.70 Rp 321.7K

$7.91 AED 29.05

123.77%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$6.59 AED 24.20

-39.91%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$9.51 AED 34.92

28.18%

Apples (1kg)

$3.66 Rp 66.4K

$1.94 AED 7.12

88.66%

Banana (1kg)

$1.52 Rp 27.6K

$1.33 AED 4.87

14.29%

Oranges (1kg)

$2.23 Rp 40.5K

$1.56 AED 5.73

42.95%

Tomato (1kg)

$1.97 Rp 35.9K

$1.03 AED 3.79

91.26%

Potato (1kg)

$1.85 Rp 33.6K

$1.03 AED 3.77

79.61%

Onion (1kg)

$2.42 Rp 44.1K

$1.14 AED 4.17

112.28%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.18 AED 4.34

-16.10%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.51 AED 1.87

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$6.34 AED 23.30

-64.98%

Wine (Bottle)

$22.24 Rp 404.2K

$11.02 AED 40.45

101.81%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.60 AED 5.88

41.25%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.30 AED 8.45

29.13%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$4.07 AED 14.94

-93.86%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$69.4 AED 255

-88.73%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$3.48 AED 12.77

-87.36%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.66 AED 2.42

-34.85%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$8.41 AED 30.89

-35.67%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.83 AED 3.05

-1.20%

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

$23.8K Rp 433.3M

$45.4K AED 166.8K

-47.51%

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

$31.7K Rp 577.0M

$22.0K AED 80.7K

44.45%

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

$79.1 Rp 1.4M

$154 AED 565

-48.57%

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

$6.45 Rp 117.2K

$49.88 AED 183

-87.07%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$85.4 AED 314

-78.25%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$76.9 AED 282

-35.67%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$9.74 AED 35.79

81.21%

Cinema Ticket

$4.27 Rp 77.7K

$13.64 AED 50.1

-68.70%

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

$491 Rp 8.9M

$492 AED 1,806

-0.23%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$5,741 AED 21.1K

-1.16%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$58.4 AED 214

-23.54%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$61.1 AED 224

-42.77%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$84.9 AED 312

-5.83%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$94.8 AED 348

-16.18%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$2,283 AED 8,386

-50.74%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$812 AED 2,982

-17.31%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,619 AED 5,946

120.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$2,727 AED 10.0K

-36.79%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,272 AED 8,343

20.25%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,366 AED 5,015

67.27%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,259 AED 8,297

-92.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

175.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Ajman: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ajman

$812 44.1% 20.9% $141

Groceries & Markets

Ubud, Bali

$288 21.4%

Ajman

$212 11.5% 26.4% $76

Eating Out

Ubud, Bali

$108 8%

Ajman

$198 10.7% 83.7% $90

Clothing & Footwear

Ubud, Bali

$108 8%

Ajman

$135 7.3% 25.2% $27

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ajman

$289 15.7% 178% $185

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ajman

$104 5.7% 79.5% $46

Getting Around

Ubud, Bali

$11 0.9%

Ajman

$92 5% 709% $81

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $2,283 in Ajman. Housing cost is often the main lever when comparing two cities.

Ajman pays about 14 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $27 in Ajman for a mid-range dinner for two. Groceries echo the gap at $288 vs $212 per month, with Ajman cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇦🇪 Ajman

🕒 Local time

04:48 4:48 AM

00:48 12:48 AM

4 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

238,119

💱 Currency

Indonesian Rupiah IDR Rp

UAE Dirham AED د.إ

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 AED = 0.272 USD

1 AED = 0.245 EUR

Exchange rates and currency converter

AED, 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).

UAE Dirham exchange rates as of October 28, 2026: 1 USD = 3.67 AED (1 AED = 0.272 USD). 1 EUR = 4.09 AED (1 AED = 0.245 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ajman 7,480 km ≈ 10 h nonstop flight

From you

Ubud, Bali
Ajman

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 Ajman: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 27% lower than in Ajman. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 93% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,125 in Ubud, Bali versus $2,283 in Ajman. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $492 in Ajman. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Ajman pay roughly 26% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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.

Safety-wise, Ubud, Bali and Ajman are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Ajman on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.