Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Bydgoszcz

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,461 in Bydgoszcz, 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 Bydgoszcz
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Bydgoszcz Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Bydgoszcz

🇵🇱 Poland

$1,461

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,461 in Bydgoszcz.

Ubud, Bali $1,353
Bydgoszcz $1,461

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,221 in Bydgoszcz.

Ubud, Bali $2,297
Bydgoszcz $2,221

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,981 in Bydgoszcz.

Ubud, Bali $3,241
Bydgoszcz $2,981

Living in Ubud, Bali costs roughly 7% less than in Bydgoszcz, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Bydgoszcz 8% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$12.16 zł 47.25

-73.44%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$63.0 zł 245

-44.61%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$7.78 zł 30.21

-26.74%

Cappuccino

$2.62 Rp 47.1K

$3.42 zł 13.29

-23.39%

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

$1.72 Rp 31.0K

$2.10 zł 8.17

-18.10%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.70 zł 6.61

-52.35%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.87 zł 15.02

-31.52%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.67 zł 14.25

19.07%

Milk (1 liter)

$1.57 Rp 28.3K

$1.04 zł 4.06

50.96%

White Bread (500g)

$2.19 Rp 39.5K

$1.68 zł 6.54

30.36%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.97 zł 3.77

21.65%

Eggs

$2.16 Rp 38.8K

$3.86 zł 14.98

-44.04%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.19 zł 35.72

92.06%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$6.94 zł 26.95

-45.53%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$11.97 zł 46.52

-0.17%

Apples (1kg)

$3.60 Rp 64.8K

$1.36 zł 5.30

164.71%

Banana (1kg)

$1.59 Rp 28.6K

$1.69 zł 6.56

-5.92%

Oranges (1kg)

$2.31 Rp 41.6K

$1.54 zł 6.00

50.00%

Tomato (1kg)

$1.91 Rp 34.3K

$3.17 zł 12.30

-39.75%

Potato (1kg)

$1.78 Rp 32.1K

$0.93 zł 3.62

91.40%

Onion (1kg)

$2.33 Rp 41.9K

$1.32 zł 5.12

76.52%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.13 zł 4.38

-11.50%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.66 zł 2.57

-19.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.67 zł 22.02

-59.61%

Wine (Bottle)

$22.07 Rp 397.3K

$8.13 zł 31.59

171.46%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.07 zł 4.16

119.63%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.43 zł 5.55

108.39%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.95 zł 3.71

-75.79%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$27.75 zł 108

-67.93%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.14 zł 8.30

-78.04%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.78 zł 3.04

-44.87%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$10.08 zł 39.18

-45.73%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.55 zł 6.03

-46.45%

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

$23.9K Rp 429.8M

$30.7K zł 119.2K

-22.15%

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

$32.8K Rp 590.1M

$29.7K zł 115.2K

10.54%

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

$80.0 Rp 1.4M

$282 zł 1,095

-71.62%

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

$6.56 Rp 118.1K

$7.93 zł 30.83

-17.28%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$18.87 zł 73.3

-1.43%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$39.69 zł 154

36.36%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$16.79 zł 65.2

8.87%

Cinema Ticket

$4.25 Rp 76.5K

$7.71 zł 29.97

-44.88%

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

$493 Rp 8.9M

$329 zł 1,278

49.76%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$5,120 zł 19.9K

9.33%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$82.1 zł 319

-44.49%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$36.18 zł 141

-3.37%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$89.4 zł 347

-13.09%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$101 zł 392

-22.20%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$678 zł 2,633

66.96%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$491 zł 1,907

37.07%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,116 zł 4,336

223.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$896 zł 3,481

89.92%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,864 zł 11.1K

-5.13%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,164 zł 8,409

3.54%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,497 zł 5,817

-88.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.89

100.00%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Bydgoszcz: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Bydgoszcz

$491 33.6% 27% $182

Groceries & Markets

Ubud, Bali

$287 21.2%

Bydgoszcz

$226 15.5% 21.3% $61

Clothing & Footwear

Ubud, Bali

$107 7.9%

Bydgoszcz

$139 9.5% 30.4% $32

Eating Out

Ubud, Bali

$106 7.9%

Bydgoszcz

$204 13.9% 91.2% $97

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Bydgoszcz

$309 21.1% 194% $203

Sport & Entertainment

Ubud, Bali

$63 4.6%

Bydgoszcz

$55 3.8% 12% $7.5

Getting Around

Ubud, Bali

$12 0.9%

Bydgoszcz

$38 2.6% 203% $25

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $678 in Bydgoszcz. Housing cost is often the main lever when comparing two cities.

Bydgoszcz pays 800% 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 $63.0 in Bydgoszcz. Groceries flip the comparison at $287 vs $226, with Bydgoszcz cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Bydgoszcz

🕒 Local time

19:03 7:03 PM

13:03 1:03 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

359,428

💱 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 Bydgoszcz 11,250 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Bydgoszcz

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 Bydgoszcz: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 8% lower than in Bydgoszcz. 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 800% lower in Bydgoszcz. 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 $678 in Bydgoszcz. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $329 in Bydgoszcz. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Bydgoszcz pay roughly 27% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $1,461 in Bydgoszcz, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Bydgoszcz. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,353 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Bydgoszcz 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 8% less than in Bydgoszcz. Beyond cost, consider language, visa policies, and how big the international community is in each city.