Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cardiff

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,454 in Cardiff, rent and utilities included – about $13,000 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
119

Cost of Living Index in Cardiff
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Cardiff Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Cardiff

🇬🇧 United Kingdom

$2,454

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $2,454 in Cardiff.

Ubud, Bali $1,368
Cardiff $2,454

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $3,414 in Cardiff.

Ubud, Bali $2,314
Cardiff $3,414

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $4,373 in Cardiff.

Ubud, Bali $3,260
Cardiff $4,373

Living in Ubud, Bali costs roughly 44% less than in Cardiff, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Cardiff 82% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$20.04 £15.04

-83.38%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$83.4 £62.6

-57.83%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$10.74 £8.06

-46.00%

Cappuccino

$2.73 Rp 49.1K

$4.45 £3.34

-38.65%

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

$1.64 Rp 29.5K

$2.92 £2.19

-43.84%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.00 £1.50

-58.50%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$7.80 £5.85

-65.38%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$6.32 £4.74

-31.96%

Milk (1 liter)

$1.50 Rp 27.1K

$1.72 £1.29

-12.79%

White Bread (500g)

$2.30 Rp 41.4K

$1.43 £1.07

60.84%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.15 £1.61

-45.12%

Eggs

$2.14 Rp 38.6K

$3.62 £2.72

-40.88%

Local Cheese (1kg)

$17.48 Rp 314.6K

$9.47 £7.11

84.58%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$8.85 £6.64

-54.46%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$16.18 £12.14

-24.41%

Apples (1kg)

$3.55 Rp 63.9K

$2.80 £2.10

26.79%

Banana (1kg)

$1.57 Rp 28.3K

$1.55 £1.16

1.29%

Oranges (1kg)

$2.24 Rp 40.2K

$3.03 £2.28

-26.07%

Tomato (1kg)

$1.93 Rp 34.7K

$3.51 £2.63

-45.01%

Potato (1kg)

$1.88 Rp 33.9K

$1.99 £1.50

-5.53%

Onion (1kg)

$2.29 Rp 41.3K

$1.54 £1.15

48.70%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.09 £0.82

-9.17%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.64 £1.23

-67.68%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$23.08 £17.31

-90.12%

Wine (Bottle)

$23.01 Rp 414.2K

$11.07 £8.31

107.86%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$3.05 £2.29

-23.28%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$3.31 £2.48

-12.08%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$3.21 £2.41

-92.52%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$79.1 £59.3

-88.85%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$4.58 £3.44

-89.52%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.66 £1.25

-72.29%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$35.87 £26.91

-84.81%

Gasoline (1 liter)

$0.88 Rp 15.9K

$2.06 £1.55

-57.28%

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

$24.6K Rp 442.2M

$37.9K £28.4K

-35.10%

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

$31.2K Rp 561.4M

$40.9K £30.7K

-23.68%

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

$83.0 Rp 1.5M

$335 £252

-75.25%

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

$6.45 Rp 116.0K

$25.35 £19.02

-74.56%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$43.54 £32.67

-57.35%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$37.26 £27.95

49.81%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$11.37 £8.53

59.28%

Cinema Ticket

$4.38 Rp 78.9K

$10.36 £7.77

-57.72%

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

$493 Rp 8.9M

$1,990 £1,493

-75.22%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$32.5K £24.4K

-82.31%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$97.8 £73.4

-52.76%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$48.54 £36.41

-27.21%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$116 £86.9

-31.74%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$99.4 £74.6

-21.17%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$1,168 £876

-2.16%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$1,102 £826

-38.67%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$2,136 £1,602

64.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,482 £1,112

14.72%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$5,255 £3,942

-47.02%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,432 £2,575

-34.71%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$3,179 £2,385

-94.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.11

169.67%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Cardiff: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Cardiff

$1.1K 44.9% 63% $426

Groceries & Markets

Ubud, Bali

$290 21.2%

Cardiff

$306 12.5% 5.3% $15

Eating Out

Ubud, Bali

$109 8%

Cardiff

$317 12.9% 192% $208

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Cardiff

$404 16.5% 274% $296

Clothing & Footwear

Ubud, Bali

$108 7.9%

Cardiff

$163 6.6% 51.3% $55

Sport & Entertainment

Ubud, Bali

$65 4.7%

Cardiff

$58 2.4% 10.2% $6.6

Getting Around

Ubud, Bali

$13 0.9%

Cardiff

$105 4.3% 735% $92

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $1,168 in Cardiff. Housing cost is often the main lever when comparing two cities.

Cardiff pays 1832% 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 $83.0 in Cardiff for a mid-range dinner for two. Groceries echo the gap at $290 vs $306 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇧 Cardiff

🕒 Local time

04:30 4:30 AM

21:30 9:30 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

346,100

💱 Currency

Indonesian Rupiah IDR Rp

British Pound GBP £

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

Exchange rates and currency converter

GBP, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Cardiff 12,690 km ≈ 16 h nonstop flight

From you

Ubud, Bali
Cardiff

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 Cardiff: Cost of Living - Frequently Asked Questions

Ubud, Bali and Cardiff differ by about 79% in total monthly costs ($1,368 vs $2,454 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 1832% lower in Cardiff. 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: $1,142 in Ubud, Bali versus $1,168 in Cardiff. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $83.0 in Cardiff. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $2,454 in Cardiff – a 79% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,454 in Cardiff, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cardiff. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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.

Safety-wise, Ubud, Bali and Cardiff 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 79% less than in Cardiff. Beyond cost, consider language, visa policies, and how big the international community is in each city.