Cost of Living Comparison Between Ubud, Bali and Cajamarca Cost of Living Comparison Between Ubud, Bali and Cajamarca

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $654 in Cajamarca.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,105 in Cajamarca.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,555 in Cajamarca.

Living in Ubud, Bali is roughly 113% more expensive than in Cajamarca, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Cajamarca is 51% below.

Meal at Budget Restaurant

$3.57 Rp 64.6K

$3.14 PEN 10.68

13.69%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 584.4K

$27.99 PEN 95.2

15.47%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.5K

$5.99 PEN 20.36

-16.36%

Cappuccino

$2.82 Rp 51.1K

$2.84 PEN 9.66

-0.70%

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

$1.35 Rp 24.4K

$0.82 PEN 2.79

64.63%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.54 PEN 1.83

35.19%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$2.29 PEN 7.77

27.95%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.2K

$3.40 PEN 11.56

15.88%

Milk (1 liter)

$1.78 Rp 32.2K

$1.26 PEN 4.29

41.27%

White Bread (500g)

$2.45 Rp 44.3K

$3.11 PEN 10.58

-21.22%

Rice (white) (1kg)

$1.15 Rp 20.8K

$1.04 PEN 3.54

10.58%

Eggs

$2.41 Rp 43.7K

$2.05 PEN 6.99

17.56%

Local Cheese (1kg)

$14.33 Rp 259.1K

$6.10 PEN 20.75

134.92%

Chicken Fillets (1kg)

$4.19 Rp 75.7K

$5.66 PEN 19.26

-25.97%

Beef Round Steak (1kg)

$12.06 Rp 218.1K

$12.17 PEN 41.38

-0.90%

Apples (1kg)

$3.64 Rp 65.8K

$1.01 PEN 3.42

260.40%

Banana (1kg)

$1.57 Rp 28.3K

$0.75 PEN 2.54

109.33%

Oranges (1kg)

$2.79 Rp 50.4K

$0.89 PEN 3.02

213.48%

Tomato (1kg)

$2.24 Rp 40.5K

$1.00 PEN 3.40

124.00%

Potato (1kg)

$1.98 Rp 35.8K

$0.71 PEN 2.41

178.87%

Onion (1kg)

$2.28 Rp 41.2K

$0.98 PEN 3.32

132.65%

Lettuce (1 head)

$1.05 Rp 19.1K

$0.67 PEN 2.29

56.72%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.77 PEN 2.60

2.60%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.7K

$8.12 PEN 27.60

-60.71%

Wine (Bottle)

$23.49 Rp 424.8K

$10.25 PEN 34.85

129.17%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.4K

$2.44 PEN 8.30

18.85%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.8K

$2.29 PEN 7.79

20.52%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

$0.55 PEN 1.86

-50.91%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.3K

$8.12 PEN 27.60

3.08%

Taxi Start (Normal Tariff)

$0.45 Rp 8,180

$1.69 PEN 5.76

-73.37%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,311

$1.20 PEN 4.08

-61.67%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.7K

$4.73 PEN 16.08

28.33%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.45 PEN 4.93

-40.69%

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

$26.6K Rp 480.7M

$22.3K PEN 75.8K

19.34%

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

$32.5K Rp 588.6M

$23.9K PEN 81.2K

36.38%

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

$79.0 Rp 1.4M

$45.45 PEN 155

73.86%

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

$4.09 Rp 74.0K

$9.08 PEN 30.88

-54.96%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 431.2K

$26.76 PEN 91.0

-10.87%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$28.45 PEN 96.8

247.21%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.9K

$19.19 PEN 65.3

-66.91%

Cinema Ticket

$4.01 Rp 72.5K

$4.64 PEN 15.77

-13.58%

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

$297 Rp 5.4M

$130 PEN 443

128.21%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.4M

$4,123 PEN 14.0K

60.14%

Jeans (Levis 501 Or Similar)

$53.4 Rp 966.0K

$48.73 PEN 166

9.64%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 689.2K

$27.67 PEN 94.1

37.73%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$77.2 PEN 263

14.83%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$77.7 PEN 264

-1.44%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$201 PEN 683

407.49%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$98.8 PEN 336

588.66%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.7M

$507 PEN 1,723

584.55%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.8M

$293 PEN 997

612.84%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$2,310 PEN 7,855

18.14%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$721 PEN 2,453

-77.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

10.5

26.48%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Cajamarca: July 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $201 in Cajamarca. Housing cost is often the main lever when comparing two cities.

Cajamarca pays 341% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $28.00 in Cajamarca for a mid-range dinner for two. Groceries echo the gap at $298 vs $211 per month, with Cajamarca cheaper across the board.

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 Cajamarca: Cost of Living - Frequently Asked Questions

Cajamarca is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment. The 113% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 341% lower in Cajamarca. 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: $1,020 in Ubud, Bali versus $201 in Cajamarca. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Cajamarca runs roughly 3% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $297 in Ubud, Bali versus $130 in Cajamarca. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $654 in Cajamarca versus $1,392 in Ubud, Bali, a $1,500 budget is realistic in Cajamarca but tight or insufficient in Ubud, Bali. The gap between the two cities makes Cajamarca the clear choice for anyone on this budget.

For families, Cajamarca is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Cajamarca 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 Cajamarca gentler on the wallet – expenses run 113% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.