Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Amherst, NY

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,512 in Amherst, NY, rent and utilities included – about $14,200 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
125

Cost of Living Index in Amherst, NY
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Amherst, NY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Amherst, NY

🇺🇸 United States

$2,512

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Amherst, NY

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

A single person spends $1,331 per month in Ubud, Bali vs $2,512 in Amherst, NY, rent included.

Ubud, Bali $1,331
Amherst, NY $2,512

A couple spends around $2,255 per month in Ubud, Bali vs $3,853 in Amherst, NY, rent included.

Ubud, Bali $2,255
Amherst, NY $3,853

A family of three spends $3,180 per month in Ubud, Bali vs $5,195 in Amherst, NY, rent included.

Ubud, Bali $3,180
Amherst, NY $5,195

Ubud, Bali is about 47% cheaper than Amherst, NY, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 2% below the global median, while Amherst, NY is 86% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$18.08 $18.08

-81.31%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$78.0 $78.0

-55.57%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$12.17 $12.17

-54.23%

Cappuccino

$2.62 Rp 47.6K

$5.94 $5.94

-55.89%

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

$1.54 Rp 27.9K

$2.75 $2.75

-44.00%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.06 $2.06

-68.93%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$6.93 $6.93

-61.47%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$7.58 $7.58

-43.80%

Milk (1 liter)

$1.46 Rp 26.5K

$0.88 $0.88

65.91%

White Bread (500g)

$2.29 Rp 41.6K

$3.32 $3.32

-31.02%

Rice (white) (1kg)

$1.11 Rp 20.1K

$4.32 $4.32

-74.31%

Eggs

$2.10 Rp 38.1K

$3.96 $3.96

-46.97%

Local Cheese (1kg)

$15.94 Rp 289.4K

$11.06 $11.06

44.12%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$9.98 $9.98

-61.12%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$15.86 $15.86

-28.12%

Apples (1kg)

$3.55 Rp 64.5K

$4.91 $4.91

-27.70%

Banana (1kg)

$1.54 Rp 27.9K

$1.43 $1.43

7.69%

Oranges (1kg)

$2.23 Rp 40.5K

$4.39 $4.39

-49.20%

Tomato (1kg)

$1.97 Rp 35.8K

$5.26 $5.26

-62.55%

Potato (1kg)

$1.86 Rp 33.7K

$2.72 $2.72

-31.62%

Onion (1kg)

$2.42 Rp 43.9K

$2.95 $2.95

-17.97%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.40 $2.40

-57.50%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$2.47 $2.47

-78.95%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$15.03 $15.03

-85.36%

Wine (Bottle)

$21.79 Rp 395.6K

$15.05 $15.05

44.78%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$2.00 $2.00

16.50%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$4.12 $4.12

-27.91%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$1.95 $1.95

-87.18%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$54.1 $54.1

-84.89%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$2.83 $2.83

-84.45%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$2.05 $2.05

-77.07%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$20.01 $20.01

-72.01%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.18 $1.18

-29.66%

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

$24.4K Rp 443.8M

$30.6K $30.6K

-20.14%

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

$31.7K Rp 575.5M

$25.8K $25.8K

22.95%

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

$77.5 Rp 1.4M

$234 $234

-66.87%

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

$6.14 Rp 111.6K

$51.7 $51.7

-88.13%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$66.3 $66.3

-71.48%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$40.31 $40.31

26.49%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$19.77 $19.77

-7.69%

Cinema Ticket

$4.38 Rp 79.6K

$12.88 $12.88

-65.99%

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

$492 Rp 8.9M

$1,263 $1,263

-61.03%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$18.9K $18.9K

-35.30%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$53.7 $53.7

-15.97%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$44.22 $44.22

-21.10%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$96.1 $96.1

-18.48%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$115 $115

-32.03%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$1,547 $1,547

-30.37%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$1,174 $1,174

-43.36%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$2,716 $2,716

29.22%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$2,269 $2,269

-26.36%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$2,775 $2,775

-15.66%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,351 $2,351

-4.86%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,179 $4,179

-96.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.52

111.35%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Amherst, NY: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Amherst, NY

$1.2K 46.7% 76.5% $509

Groceries & Markets

Ubud, Bali

$279 21%

Amherst, NY

$384 15.3% 37.5% $105

Clothing & Footwear

Ubud, Bali

$106 8%

Amherst, NY

$139 5.5% 30.6% $33

Eating Out

Ubud, Bali

$106 8%

Amherst, NY

$322 12.8% 204% $216

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Amherst, NY

$352 14% 243% $249

Sport & Entertainment

Ubud, Bali

$60 4.5%

Amherst, NY

$66 2.6% 10.5% $6.3

Getting Around

Ubud, Bali

$12 0.9%

Amherst, NY

$75 3% 527% $63

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $1,547 in Amherst, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Amherst, NY are about 25 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35 in Ubud, Bali versus $78 in Amherst, NY. Monthly groceries follow the same trend: $279 vs $384 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Amherst, NY

🕒 Local time

07:13 7:13 AM

18:13 6:13 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

37,819

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

1 USD = 0.888 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.13 USD (1 USD = 0.888 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Amherst, NY 15,940 km ≈ 20 h nonstop flight

From you

Ubud, Bali
Amherst, NY

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 Amherst, NY: Cost of Living - Frequently Asked Questions

Amherst, NY costs about 89% 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 $1,996 per month in Ubud, Bali and $3,767 in Amherst, NY. 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: a one-bedroom in the center costs $1,078 there versus $1,547 in Amherst, NY.

Kindergarten costs $492 per month in Ubud, Bali and $1,263 in Amherst, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 38% more in Amherst, NY, though the gap depends on what you buy.

$1,000 is a stretch for both – monthly costs hit $1,331 in Ubud, Bali and $2,512 in Amherst, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

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

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