Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Bergen County, NJ

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $4,323 in Bergen County, NJ, rent and utilities included – about $35,600 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
208

Cost of Living Index in Bergen County, NJ
Learn more

Bergen County, NJ Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Bergen County, NJ

🇺🇸 United States

$4,323

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Bergen County, NJ

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 Bergen County, NJ actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $4,323 in Bergen County, NJ.

Ubud, Bali $1,353
Bergen County, NJ $4,323

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $5,463 in Bergen County, NJ.

Ubud, Bali $2,297
Bergen County, NJ $5,463

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $6,603 in Bergen County, NJ.

Ubud, Bali $3,241
Bergen County, NJ $6,603

Living in Ubud, Bali costs roughly 69% less than in Bergen County, NJ, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Bergen County, NJ 219% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$22.48 $22.48

-85.63%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$85.3 $85.3

-59.09%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$12.83 $12.83

-55.57%

Cappuccino

$2.62 Rp 47.1K

$5.13 $5.13

-48.93%

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

$1.72 Rp 31.0K

$3.07 $3.07

-43.97%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$2.23 $2.23

-63.68%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$8.19 $8.19

-67.64%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$8.09 $8.09

-45.98%

Milk (1 liter)

$1.57 Rp 28.3K

$1.45 $1.45

8.28%

White Bread (500g)

$2.19 Rp 39.5K

$4.37 $4.37

-49.89%

Rice (white) (1kg)

$1.18 Rp 21.2K

$7.59 $7.59

-84.45%

Eggs

$2.16 Rp 38.8K

$5.07 $5.07

-57.40%

Local Cheese (1kg)

$17.65 Rp 317.7K

$12.66 $12.66

39.42%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$11.91 $11.91

-68.26%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$17.75 $17.75

-32.68%

Apples (1kg)

$3.60 Rp 64.8K

$5.25 $5.25

-31.43%

Banana (1kg)

$1.59 Rp 28.6K

$1.54 $1.54

3.25%

Oranges (1kg)

$2.31 Rp 41.6K

$5.10 $5.10

-54.71%

Tomato (1kg)

$1.91 Rp 34.3K

$5.05 $5.05

-62.18%

Potato (1kg)

$1.78 Rp 32.1K

$2.73 $2.73

-34.80%

Onion (1kg)

$2.33 Rp 41.9K

$3.05 $3.05

-23.61%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.38 $2.38

-57.98%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$2.39 $2.39

-77.82%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$11.90 $11.90

-80.76%

Wine (Bottle)

$22.07 Rp 397.3K

$24.56 $24.56

-10.14%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.72 $1.72

36.63%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$4.46 $4.46

-33.18%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$4.17 $4.17

-94.48%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$169 $169

-94.73%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.64 $2.64

-82.20%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.53 $1.53

-71.90%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$24.11 $24.11

-77.31%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.06 $1.06

-21.70%

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

$23.9K Rp 429.8M

$28.0K $28.0K

-14.79%

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

$32.8K Rp 590.1M

$25.9K $25.9K

26.66%

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

$80.0 Rp 1.4M

$211 $211

-62.01%

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

$6.56 Rp 118.1K

$73.5 $73.5

-91.08%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$64.7 $64.7

-71.26%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$98.2 $98.2

-44.88%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$49.53 $49.53

-63.09%

Cinema Ticket

$4.25 Rp 76.5K

$15.26 $15.26

-72.15%

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

$493 Rp 8.9M

$2,285 $2,285

-78.44%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$24.1K $24.1K

-76.81%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$48.52 $48.52

-6.06%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$46.34 $46.34

-24.56%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$79.9 $79.9

-2.74%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$153 $153

-48.57%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$2,786 $2,786

-59.38%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$2,685 $2,685

-74.94%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$4,541 $4,541

-20.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$2,963 $2,963

-42.57%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$3,928 $3,928

-30.82%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,697 $3,697

-39.37%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$5,356 $5,356

-96.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.62

108.16%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Bergen County, NJ: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Bergen County, NJ

$2.7K 62.1% 299% $2K

Groceries & Markets

Ubud, Bali

$287 21.2%

Bergen County, NJ

$460 10.6% 60.1% $173

Clothing & Footwear

Ubud, Bali

$107 7.9%

Bergen County, NJ

$147 3.4% 38.3% $41

Eating Out

Ubud, Bali

$106 7.9%

Bergen County, NJ

$358 8.3% 237% $252

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Bergen County, NJ

$349 8.1% 232% $244

Sport & Entertainment

Ubud, Bali

$63 4.6%

Bergen County, NJ

$129 3% 106% $66

Getting Around

Ubud, Bali

$12 0.9%

Bergen County, NJ

$196 4.5% 1475% $183

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $2,786 in Bergen County, NJ. Housing cost is often the main lever when comparing two cities.

Bergen County, NJ pays 3119% 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 $85.0 in Bergen County, NJ for a mid-range dinner for two. Groceries echo the gap at $287 vs $460 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Bergen County, NJ

🕒 Local time

12:47 12:47 PM

00:47 12:47 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

11,668

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 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 October 23, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 23, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Bergen County, NJ 16,290 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Bergen County, NJ

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 Bergen County, NJ: Cost of Living - Frequently Asked Questions

Ubud, Bali and Bergen County, NJ differ by about 219% in total monthly costs ($1,353 vs $4,323 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 3119% lower in Bergen County, NJ. 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 $2,786 in Bergen County, NJ. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $85.0 in Bergen County, NJ. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,353 per month in Ubud, Bali versus $4,323 in Bergen County, NJ – a 219% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $4,323 in Bergen County, NJ, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Bergen County, NJ. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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.

Safety-wise, Ubud, Bali and Bergen County, NJ 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 219% less than in Bergen County, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.