Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Bialystok

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,461 in Bialystok, rent and utilities included – about $1,300 less a year. Other living expenses account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
71

Cost of Living Index in Bialystok
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Bialystok Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Bialystok

🇵🇱 Poland

$1,461

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $1,461 in Bialystok, rent included.

Ubud, Bali $1,353
Bialystok $1,461

A couple spends around $2,297 per month in Ubud, Bali vs $2,069 in Bialystok, rent included.

Ubud, Bali $2,297
Bialystok $2,069

A family of three spends $3,241 per month in Ubud, Bali vs $2,676 in Bialystok, rent included.

Ubud, Bali $3,241
Bialystok $2,676

Ubud, Bali is about 7% cheaper than Bialystok, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Bialystok sit above the global median – Ubud, Bali by 0%, Bialystok by 8%.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$9.91 zł 38.49

-67.41%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$45.57 zł 177

-23.46%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.85 zł 34.37

-35.59%

Cappuccino

$2.62 Rp 47.1K

$3.55 zł 13.78

-26.20%

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

$1.72 Rp 31.0K

$1.90 zł 7.40

-9.47%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.51 zł 5.87

-46.36%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.57 zł 13.88

-25.77%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.03 zł 11.75

44.22%

Milk (1 liter)

$1.57 Rp 28.3K

$1.06 zł 4.14

48.11%

White Bread (500g)

$2.19 Rp 39.5K

$1.00 zł 3.88

119.00%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.23 zł 8.65

-47.09%

Eggs

$2.16 Rp 38.8K

$3.76 zł 14.59

-42.55%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.39 zł 36.49

87.97%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.62 zł 21.84

-32.74%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$11.23 zł 43.61

6.41%

Apples (1kg)

$3.60 Rp 64.8K

$1.24 zł 4.83

190.32%

Banana (1kg)

$1.59 Rp 28.6K

$1.76 zł 6.84

-9.66%

Oranges (1kg)

$2.31 Rp 41.6K

$1.59 zł 6.19

45.28%

Tomato (1kg)

$1.91 Rp 34.3K

$2.03 zł 7.90

-5.91%

Potato (1kg)

$1.78 Rp 32.1K

$1.06 zł 4.10

67.92%

Onion (1kg)

$2.33 Rp 41.9K

$1.19 zł 4.61

95.80%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.17 zł 4.55

-14.53%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.60 zł 2.35

-11.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.08 zł 19.75

-54.92%

Wine (Bottle)

$22.07 Rp 397.3K

$6.12 zł 23.78

260.62%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.22 zł 4.73

92.62%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.54 zł 5.97

93.51%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.07 zł 4.16

-78.50%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$33.47 zł 130

-73.41%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.11 zł 8.19

-77.73%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.66 zł 2.55

-34.85%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$13.02 zł 50.6

-57.99%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.62 zł 6.29

-48.77%

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

$23.9K Rp 429.8M

$30.8K zł 119.8K

-22.55%

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

$32.8K Rp 590.1M

$28.8K zł 112.0K

13.71%

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

$80.0 Rp 1.4M

$299 zł 1,164

-73.29%

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

$6.56 Rp 118.1K

$8.25 zł 32.05

-20.48%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$18.22 zł 70.8

2.09%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$41.41 zł 161

30.69%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$27.67 zł 108

-33.94%

Cinema Ticket

$4.25 Rp 76.5K

$8.25 zł 32.07

-48.48%

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

$493 Rp 8.9M

$351 zł 1,363

40.41%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$4,337 zł 16.9K

29.04%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$98.1 zł 381

-53.54%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$36.44 zł 142

-4.06%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$87.1 zł 338

-10.78%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$88.4 zł 343

-11.19%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$544 zł 2,113

108.06%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$502 zł 1,951

34.03%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$822 zł 3,194

339.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$717 zł 2,786

137.29%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,669 zł 10.4K

1.80%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,324 zł 9,030

-3.57%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,447 zł 5,622

-88.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.07

94.91%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Bialystok: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Bialystok

$502 34.4% 25.4% $171

Groceries & Markets

Ubud, Bali

$287 21.2%

Bialystok

$207 14.2% 28% $80

Clothing & Footwear

Ubud, Bali

$107 7.9%

Bialystok

$140 9.6% 31% $33

Eating Out

Ubud, Bali

$106 7.9%

Bialystok

$186 12.7% 74.7% $80

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Bialystok

$326 22.3% 210% $221

Sport & Entertainment

Ubud, Bali

$63 4.6%

Bialystok

$58 4% 7.5% $4.7

Getting Around

Ubud, Bali

$12 0.9%

Bialystok

$43 3% 247% $31

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $544 in Bialystok. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 770% higher in Bialystok, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $46.00 in Bialystok. Groceries tell a different story – $287 in Ubud, Bali vs $207 in Bialystok – so Bialystok wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Bialystok

🕒 Local time

06:09 6:09 AM

00:09 12:09 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

297,554

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 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 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).

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Bialystok 10,900 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Bialystok

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 Bialystok: Cost of Living - Frequently Asked Questions

Bialystok costs about 8% more than Ubud, Bali, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $2,192 in Bialystok. 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $493 per month in Ubud, Bali and $351 in Bialystok. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 39% cheaper in Bialystok – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in Bialystok at $1,461. In Ubud, Bali it covers expenses comfortably, while in Bialystok it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,353 versus $1,461 in Bialystok. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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