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: $1,438 in Ubud, Bali versus $636 in Cajamarca.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,084 in Cajamarca.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,532 in Cajamarca.

Living in Ubud, Bali is roughly 126% more expensive than Cajamarca, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Cajamarca is 52% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$3.03 PEN 10.67

17.82%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$28.29 PEN 99.6

15.16%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$5.67 PEN 19.95

-10.58%

Cappuccino

$2.83 Rp 49.0K

$2.91 PEN 10.24

-2.75%

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

$1.34 Rp 23.2K

$0.75 PEN 2.65

78.67%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.57 PEN 2.02

21.05%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$2.24 PEN 7.89

33.48%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$3.27 PEN 11.53

17.74%

Milk (1 liter)

$1.74 Rp 30.2K

$1.24 PEN 4.38

40.32%

White Bread (500g)

$2.54 Rp 44.0K

$3.07 PEN 10.82

-17.26%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.07 PEN 3.77

11.21%

Eggs

$2.43 Rp 42.0K

$2.16 PEN 7.59

12.50%

Local Cheese (1kg)

$14.66 Rp 254.1K

$6.17 PEN 21.73

137.60%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$5.71 PEN 20.09

-26.80%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$12.10 PEN 42.60

-1.32%

Apples (1kg)

$3.69 Rp 63.9K

$0.98 PEN 3.45

276.53%

Banana (1kg)

$1.61 Rp 27.8K

$0.74 PEN 2.59

117.57%

Oranges (1kg)

$2.69 Rp 46.5K

$0.90 PEN 3.15

198.89%

Tomato (1kg)

$2.33 Rp 40.4K

$1.01 PEN 3.54

130.69%

Potato (1kg)

$1.91 Rp 33.0K

$0.75 PEN 2.65

154.67%

Onion (1kg)

$2.19 Rp 37.9K

$0.97 PEN 3.43

125.77%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.68 PEN 2.38

55.88%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.71 PEN 2.51

1.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$8.41 PEN 29.60

-62.78%

Wine (Bottle)

$23.49 Rp 407.1K

$10.21 PEN 35.94

130.07%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.52 PEN 8.89

8.73%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.37 PEN 8.35

21.52%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.57 PEN 2.01

-49.12%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$8.49 PEN 29.87

-3.77%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$1.64 PEN 5.79

-72.56%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$1.20 PEN 4.23

-65.00%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$4.81 PEN 16.95

28.07%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.48 PEN 5.22

-43.24%

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

$26.2K Rp 454.9M

$22.5K PEN 79.4K

16.41%

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

$32.5K Rp 562.9M

$24.2K PEN 85.2K

34.18%

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

$78.4 Rp 1.4M

$45.55 PEN 160

72.16%

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

$3.95 Rp 68.5K

$9.22 PEN 32.45

-57.16%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$26.93 PEN 94.8

-9.39%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$28.66 PEN 101

236.85%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$19.19 PEN 67.6

-66.91%

Cinema Ticket

$4.04 Rp 70.0K

$4.52 PEN 15.91

-10.62%

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

$303 Rp 5.2M

$128 PEN 450

136.58%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$4,180 PEN 14.7K

56.06%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$47.88 PEN 169

12.45%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$27.30 PEN 96.1

39.12%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$77.3 PEN 272

12.31%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$77.0 PEN 271

2.39%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$198 PEN 696

411.84%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$95.3 PEN 336

607.42%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$499 PEN 1,755

579.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$296 PEN 1,042

608.49%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$2,264 PEN 7,971

31.81%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$708 PEN 2,491

-75.54%

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: April 28, 2026

Last update for Cajamarca: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $198 in Cajamarca. Housing cost is often the main lever when comparing two cities.

Cajamarca pays 309% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 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 126% gap adds up to real monthly savings that compound significantly over time.

On paper, Cajamarca earns 309% less. 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: $1,012 in Ubud, Bali versus $198 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 4% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $303 in Ubud, Bali versus $128 in Cajamarca. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $636 in Cajamarca versus $1,438 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 126% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.