Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Armidale

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,721 in Armidale, rent and utilities included – about $4,400 less a year. The total is higher in Armidale despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
83

Cost of Living Index in Armidale
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Armidale Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Armidale

🇦🇺 Australia

$1,721

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,721 in Armidale.

Ubud, Bali $1,353
Armidale $1,721

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,650 in Armidale.

Ubud, Bali $2,297
Armidale $2,650

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $3,579 in Armidale.

Ubud, Bali $3,241
Armidale $3,579

Living in Ubud, Bali costs roughly 21% less than in Armidale, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Armidale 27% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$17.26 A$24.84

-81.29%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$84.1 A$121

-58.51%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$10.35 A$14.90

-44.93%

Cappuccino

$2.62 Rp 47.1K

$3.88 A$5.58

-32.47%

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

$1.72 Rp 31.0K

$2.83 A$4.07

-39.22%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$2.26 A$3.25

-64.16%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$7.73 A$11.12

-65.72%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$7.62 A$10.97

-42.65%

Milk (1 liter)

$1.57 Rp 28.3K

$1.28 A$1.84

22.66%

White Bread (500g)

$2.19 Rp 39.5K

$1.25 A$1.80

75.20%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.55 A$2.23

-23.87%

Eggs

$2.16 Rp 38.8K

$4.07 A$5.86

-46.93%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.35 A$13.45

88.77%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$9.04 A$13.01

-58.19%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$14.47 A$20.83

-17.42%

Apples (1kg)

$3.60 Rp 64.8K

$2.81 A$4.05

28.11%

Banana (1kg)

$1.59 Rp 28.6K

$2.88 A$4.14

-44.79%

Oranges (1kg)

$2.31 Rp 41.6K

$2.54 A$3.66

-9.06%

Tomato (1kg)

$1.91 Rp 34.3K

$3.07 A$4.41

-37.79%

Potato (1kg)

$1.78 Rp 32.1K

$1.71 A$2.46

4.09%

Onion (1kg)

$2.33 Rp 41.9K

$2.42 A$3.48

-3.72%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.40 A$3.46

-58.33%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$1.56 A$2.24

-66.03%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$41.12 A$59.2

-94.43%

Wine (Bottle)

$22.07 Rp 397.3K

$13.70 A$19.72

61.09%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$4.64 A$6.68

-49.35%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$5.30 A$7.63

-43.77%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$2.94 A$4.23

-92.18%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$80.3 A$116

-88.92%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.41 A$4.91

-86.22%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.57 A$2.26

-72.61%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$39.83 A$57.3

-86.27%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.31 A$1.89

-36.64%

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

$23.9K Rp 429.8M

$26.4K A$38.0K

-9.52%

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

$32.8K Rp 590.1M

$29.7K A$42.8K

10.23%

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

$80.0 Rp 1.4M

$114 A$163

-29.52%

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

$6.56 Rp 118.1K

$27.88 A$40.12

-76.47%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$56.6 A$81.4

-67.13%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$41.99 A$60.4

28.89%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$17.51 A$25.20

4.40%

Cinema Ticket

$4.25 Rp 76.5K

$14.79 A$21.29

-71.26%

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

$493 Rp 8.9M

$2,142 A$3,082

-77.00%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$20.5K A$29.5K

-72.74%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$76.4 A$110

-40.36%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$53.2 A$76.5

-34.24%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$105 A$151

-25.95%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$122 A$176

-35.77%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,366 A$1,966

-17.16%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$577 A$830

16.70%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,164 A$3,114

66.95%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$900 A$1,295

89.04%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$5,815 A$8,367

-53.27%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$4,850 A$6,979

-53.79%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,800 A$4,030

-94.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.84

135.96%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Armidale: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Armidale

$577 33.5% 14.3% $96

Groceries & Markets

Ubud, Bali

$287 21.2%

Armidale

$321 18.6% 11.7% $34

Clothing & Footwear

Ubud, Bali

$107 7.9%

Armidale

$161 9.3% 50.7% $54

Eating Out

Ubud, Bali

$106 7.9%

Armidale

$290 16.9% 173% $184

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Armidale

$198 11.5% 88.2% $93

Sport & Entertainment

Ubud, Bali

$63 4.6%

Armidale

$72 4.2% 14.3% $9

Getting Around

Ubud, Bali

$12 0.9%

Armidale

$103 6% 731% $91

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,366 in Armidale. Housing cost is often the main lever when comparing two cities.

Armidale pays 1583% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $84.0 in Armidale for a mid-range dinner for two. Groceries echo the gap at $287 vs $321 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇦🇺 Armidale

🕒 Local time

20:32 8:32 PM

23:32 11:32 PM

3 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

21,312

💱 Currency

Indonesian Rupiah IDR Rp

Australian Dollar AUD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Australian Dollar exchange rates as of October 20, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Armidale 4,500 km ≈ 6 h nonstop flight

From you

Ubud, Bali
Armidale

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 Armidale: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, clothing, and eating out. The 27% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1583% lower in Armidale. 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: $1,131 in Ubud, Bali versus $1,366 in Armidale. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,353 per month in Ubud, Bali versus $1,721 in Armidale – a 27% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 802% less than in Armidale. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,353 in Ubud, Bali versus $1,721 in Armidale, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Armidale. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Armidale, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Armidale are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 27% less than in Armidale. Beyond cost, consider language, visa policies, and how big the international community is in each city.