Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ayia Napa

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,920 in Ayia Napa, rent and utilities included – about $6,900 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
89

Cost of Living Index in Ayia Napa
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Ayia Napa Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ayia Napa

🇨🇾 Cyprus

$1,920

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Ayia Napa

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,920 in Ayia Napa.

Ubud, Bali $1,349
Ayia Napa $1,920

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,817 in Ayia Napa.

Ubud, Bali $2,305
Ayia Napa $2,817

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,714 in Ayia Napa.

Ubud, Bali $3,261
Ayia Napa $3,714

Living in Ubud, Bali costs roughly 30% less than in Ayia Napa, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$25.98 €23.18

-87.22%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$55.7 €49.68

-35.99%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$13.53 €12.07

-59.13%

Cappuccino

$2.72 Rp 49.3K

$3.84 €3.42

-29.17%

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

$1.70 Rp 30.9K

$2.74 €2.44

-37.96%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.36 €1.22

-44.12%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.93 €3.51

-32.57%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$5.51 €4.91

-20.51%

Milk (1 liter)

$1.49 Rp 27.1K

$1.86 €1.66

-19.89%

White Bread (500g)

$2.28 Rp 41.3K

$1.44 €1.28

58.33%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.30 €2.05

-48.26%

Eggs

$2.04 Rp 36.9K

$4.69 €4.19

-56.50%

Local Cheese (1kg)

$17.70 Rp 321.2K

$13.25 €11.82

33.58%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$8.60 €7.67

-53.95%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$12.85 €11.47

-5.14%

Apples (1kg)

$3.66 Rp 66.3K

$3.59 €3.20

1.95%

Banana (1kg)

$1.52 Rp 27.5K

$2.03 €1.81

-25.12%

Oranges (1kg)

$2.23 Rp 40.4K

$1.99 €1.78

12.06%

Tomato (1kg)

$1.97 Rp 35.8K

$3.08 €2.74

-36.04%

Potato (1kg)

$1.85 Rp 33.5K

$1.46 €1.30

26.71%

Onion (1kg)

$2.42 Rp 44.0K

$1.13 €1.01

114.16%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.69 €0.62

43.48%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.01 €0.90

-49.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$5.68 €5.07

-60.92%

Wine (Bottle)

$22.24 Rp 403.6K

$5.79 €5.16

284.11%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.63 €1.46

38.65%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.28 €2.03

30.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$2.22 €1.98

-88.74%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$49.37 €44.05

-84.16%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$6.79 €6.06

-93.52%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$2.09 €1.86

-79.43%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$24.68 €22.02

-78.08%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.66 €1.48

-50.60%

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

$23.8K Rp 432.6M

$31.5K €28.1K

-24.40%

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

$31.7K Rp 576.1M

$32.5K €29.0K

-2.30%

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

$79.1 Rp 1.4M

$165 €147

-51.95%

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

$6.45 Rp 117.0K

$20.45 €18.25

-68.46%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$32.47 €28.97

-42.78%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$61.7 €55.0

-19.79%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$27.85 €24.85

-36.62%

Cinema Ticket

$4.27 Rp 77.6K

$12.71 €11.34

-66.40%

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

$491 Rp 8.9M

$404 €360

21.44%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$8,274 €7,382

-31.43%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$68.1 €60.7

-34.43%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$44.57 €39.76

-21.58%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$99.7 €88.9

-19.83%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$92.2 €82.3

-13.88%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$866 €773

29.85%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$780 €696

-13.89%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,869 €1,668

90.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,163 €1,038

48.15%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$3,265 €2,913

-16.32%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,115 €1,887

8.02%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,631 €1,456

-89.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.93

250.64%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Ayia Napa: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ayia Napa

$780 40.6% 16.1% $108

Groceries & Markets

Ubud, Bali

$288 21.4%

Ayia Napa

$281 14.7% 2.4% $7

Eating Out

Ubud, Bali

$108 8%

Ayia Napa

$342 17.8% 217% $234

Clothing & Footwear

Ubud, Bali

$108 8%

Ayia Napa

$137 7.1% 27.5% $30

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ayia Napa

$217 11.3% 109% $113

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ayia Napa

$87 4.5% 50.1% $29

Getting Around

Ubud, Bali

$11 0.9%

Ayia Napa

$75 3.9% 561% $64

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $866 in Ayia Napa. Housing cost is often the main lever when comparing two cities.

Ayia Napa pays about 10 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $56 in Ayia Napa. Groceries flip the comparison at $288 vs $281, with Ayia Napa cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇨🇾 Ayia Napa

🕒 Local time

21:23 9:23 PM

15:23 3:23 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

3,000

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ayia Napa 9,760 km ≈ 13 h nonstop flight

From you

Ubud, Bali
Ayia Napa

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 Ayia Napa: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 30% lower than in Ayia Napa. 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 90% 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 $866 in Ayia Napa. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $404 in Ayia Napa. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $56 in Ayia Napa. If you eat out regularly, this makes a real dent in your monthly spending.

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.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

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