Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Biala Podlaska

For one person, living is cheaper in Biala Podlaska: $1,282 a month against $1,331 in Ubud, Bali, rent and utilities included – about $590 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
65

Cost of Living Index in Biala Podlaska
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Biala Podlaska Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Biala Podlaska

🇵🇱 Poland

$1,282

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Biala Podlaska

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,282 in Biala Podlaska.

Ubud, Bali $1,331
Biala Podlaska $1,282

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,893 in Biala Podlaska.

Ubud, Bali $2,255
Biala Podlaska $1,893

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $2,504 in Biala Podlaska.

Ubud, Bali $3,180
Biala Podlaska $2,504

Living in Ubud, Bali is roughly 4% more expensive than in Biala Podlaska, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, Biala Podlaska 5% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$7.51 zł 29.37

-54.99%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$20.44 zł 79.9

69.52%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$9.07 zł 35.45

-38.59%

Cappuccino

$2.62 Rp 47.6K

$3.46 zł 13.53

-24.28%

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

$1.54 Rp 27.9K

$2.77 zł 10.81

-44.40%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.77 zł 10.83

-76.90%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$4.60 zł 17.98

-41.96%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$5.09 zł 19.89

-16.31%

Milk (1 liter)

$1.46 Rp 26.5K

$0.95 zł 3.72

53.68%

White Bread (500g)

$2.29 Rp 41.6K

$1.10 zł 4.30

108.18%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.38 zł 5.39

-19.57%

Eggs

$2.10 Rp 38.1K

$3.32 zł 12.96

-36.75%

Local Cheese (1kg)

$15.94 Rp 289.4K

$10.42 zł 40.72

52.98%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$6.78 zł 26.49

-42.77%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$11.46 zł 44.80

-0.52%

Apples (1kg)

$3.55 Rp 64.5K

$1.18 zł 4.62

200.85%

Banana (1kg)

$1.54 Rp 27.9K

$1.64 zł 6.43

-6.10%

Oranges (1kg)

$2.23 Rp 40.5K

$2.31 zł 9.05

-3.46%

Tomato (1kg)

$1.97 Rp 35.8K

$2.99 zł 11.67

-34.11%

Potato (1kg)

$1.86 Rp 33.7K

$0.77 zł 3.02

141.56%

Onion (1kg)

$2.42 Rp 43.9K

$0.92 zł 3.58

163.04%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.33 zł 5.22

-23.31%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$0.58 zł 2.25

-10.34%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$5.56 zł 21.74

-60.43%

Wine (Bottle)

$21.79 Rp 395.6K

$6.56 zł 25.64

232.16%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.10 zł 4.30

111.82%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.75 zł 6.82

69.71%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$1.04 zł 4.07

-75.96%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$29.54 zł 115

-72.34%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$1.84 zł 7.18

-76.09%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$0.68 zł 2.65

-30.88%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$9.24 zł 36.10

-39.39%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.51 zł 5.92

-45.03%

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

$24.4K Rp 443.8M

$30.6K zł 119.6K

-20.11%

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

$31.7K Rp 575.5M

$27.9K zł 108.9K

13.75%

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

$77.5 Rp 1.4M

$191 zł 746

-59.40%

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

$6.14 Rp 111.6K

$8.72 zł 34.10

-29.59%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$12.70 zł 49.64

48.98%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$38.86 zł 152

31.21%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$20.46 zł 80.0

-10.80%

Cinema Ticket

$4.38 Rp 79.6K

$5.12 zł 19.99

-14.45%

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

$492 Rp 8.9M

$507 zł 1,979

-2.78%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$13.6K zł 53.1K

-10.00%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$73.3 zł 286

-38.37%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$40.00 zł 156

-12.77%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$87.8 zł 343

-10.77%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$96.9 zł 379

-19.61%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$649 zł 2,535

66.08%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$446 zł 1,742

49.13%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,098 zł 4,291

219.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$819 zł 3,202

103.94%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$2,947 zł 11.5K

-20.58%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,216 zł 8,660

0.91%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,025 zł 4,005

-83.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.87

100.58%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Biala Podlaska: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Biala Podlaska

$446 34.8% 32.9% $219

Groceries & Markets

Ubud, Bali

$279 21%

Biala Podlaska

$217 17% 22.2% $62

Clothing & Footwear

Ubud, Bali

$106 8%

Biala Podlaska

$134 10.5% 26.1% $28

Eating Out

Ubud, Bali

$106 8%

Biala Podlaska

$184 14.4% 74.2% $78

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Biala Podlaska

$212 16.6% 107% $110

Sport & Entertainment

Ubud, Bali

$60 4.5%

Biala Podlaska

$49 3.8% 17.9% $11

Getting Around

Ubud, Bali

$12 0.9%

Biala Podlaska

$39 3% 226% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $649 in Biala Podlaska. Housing cost is often the main lever when comparing two cities.

Biala Podlaska pays about 6.2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35 in Ubud, Bali vs $20 in Biala Podlaska for a mid-range dinner for two. Groceries echo the gap at $279 vs $217 per month, with Biala Podlaska cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Biala Podlaska

🕒 Local time

07:42 7:42 AM

00:42 12:42 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

56,760

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

1 PLN = 0.256 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

PLN, 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).

Polish Złoty exchange rates as of November 4, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Biala Podlaska 10,900 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Biala Podlaska

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 Biala Podlaska: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $1,282 in Biala Podlaska, so Biala Podlaska is about 4% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 84% 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: $1,078 in Ubud, Bali versus $649 in Biala Podlaska. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $507 in Biala Podlaska. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Either city works on $2,000 a month, though Biala Podlaska gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.