Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Carmarthen

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,382 in Carmarthen, rent and utilities included – about $12,400 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
114

Cost of Living Index in Carmarthen
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Carmarthen Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Carmarthen

🇬🇧 United Kingdom

$2,382

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,382 in Carmarthen.

Ubud, Bali $1,349
Carmarthen $2,382

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,134 in Carmarthen.

Ubud, Bali $2,305
Carmarthen $3,134

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,886 in Carmarthen.

Ubud, Bali $3,261
Carmarthen $3,886

Living in Ubud, Bali costs roughly 43% less than in Carmarthen, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$23.98 £17.91

-86.16%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$66.6 £49.78

-46.51%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$9.13 £6.82

-39.43%

Cappuccino

$2.72 Rp 49.3K

$3.45 £2.58

-21.16%

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

$1.70 Rp 30.9K

$2.54 £1.90

-33.07%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.64 £1.22

-53.66%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$5.46 £4.08

-51.47%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$4.65 £3.47

-5.81%

Milk (1 liter)

$1.49 Rp 27.0K

$1.56 £1.16

-4.49%

White Bread (500g)

$2.28 Rp 41.3K

$1.13 £0.84

101.77%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.01 £1.50

-40.80%

Eggs

$2.04 Rp 36.9K

$4.30 £3.22

-52.56%

Local Cheese (1kg)

$17.70 Rp 321.1K

$8.06 £6.02

119.60%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$9.51 £7.11

-58.36%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$13.24 £9.89

-7.93%

Apples (1kg)

$3.66 Rp 66.3K

$3.10 £2.32

18.06%

Banana (1kg)

$1.52 Rp 27.5K

$1.79 £1.34

-15.08%

Oranges (1kg)

$2.23 Rp 40.4K

$2.71 £2.03

-17.71%

Tomato (1kg)

$1.97 Rp 35.8K

$4.12 £3.08

-52.18%

Potato (1kg)

$1.85 Rp 33.5K

$2.15 £1.61

-13.95%

Onion (1kg)

$2.42 Rp 44.0K

$1.48 £1.11

63.51%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.21 £0.90

-18.18%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$2.00 £1.49

-74.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$23.26 £17.38

-90.46%

Wine (Bottle)

$22.24 Rp 403.4K

$10.49 £7.84

112.01%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.80 £2.10

-19.29%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.65 £2.72

-18.63%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$4.47 £3.34

-94.41%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$96.9 £72.4

-91.93%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$3.45 £2.57

-87.25%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.63 £1.21

-73.62%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$26.28 £19.64

-79.41%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.90 £1.42

-56.84%

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

$23.8K Rp 432.4M

$38.3K £28.6K

-37.70%

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

$31.7K Rp 575.9M

$41.0K £30.6K

-22.55%

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

$79.1 Rp 1.4M

$322 £240

-75.43%

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

$6.45 Rp 116.9K

$17.31 £12.93

-62.74%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$39.42 £29.45

-52.87%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$47.09 £35.18

5.08%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$13.86 £10.35

-69.19%

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

$491 Rp 8.9M

$2,291 £1,711

-78.59%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$25.6K £19.1K

-77.81%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$100 £75.0

-55.53%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$47.79 £35.70

-26.87%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$109 £81.5

-26.72%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$99.5 £74.3

-20.14%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,235 £923

-8.91%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,026 £766

-34.55%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,248 £933

185.55%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,049 £784

64.29%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$5,005 £3,739

-45.43%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,818 £2,852

-40.17%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,958 £1,463

-91.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.87

182.96%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Carmarthen: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Carmarthen

$1K 43.1% 52.8% $354

Groceries & Markets

Ubud, Bali

$288 21.4%

Carmarthen

$302 12.7% 4.6% $13

Eating Out

Ubud, Bali

$108 8%

Carmarthen

$314 13.2% 192% $206

Clothing & Footwear

Ubud, Bali

$108 8%

Carmarthen

$160 6.7% 49.3% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Carmarthen

$378 15.9% 264% $274

Sport & Entertainment

Ubud, Bali

$58 4.3%

Carmarthen

$75 3.1% 28.9% $17

Getting Around

Ubud, Bali

$11 0.9%

Carmarthen

$126 5.3% 1007% $115

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,235 in Carmarthen. Housing cost is often the main lever when comparing two cities.

Carmarthen pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $67 in Carmarthen for a mid-range dinner for two. Groceries echo the gap at $288 vs $302 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇧 Carmarthen

🕒 Local time

11:24 11:24 AM

03:24 3:24 AM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

14,185

💱 Currency

Indonesian Rupiah IDR Rp

British Pound GBP £

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 GBP = 1.34 USD

1 GBP = 1.2 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 November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

British Pound exchange rates as of November 2, 2026: 1 USD = 0.747 GBP (1 GBP = 1.34 USD). 1 EUR = 0.834 GBP (1 GBP = 1.2 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Carmarthen 12,750 km ≈ 16 h nonstop flight

From you

Ubud, Bali
Carmarthen

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 Carmarthen: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 43% cheaper overall, especially in eating out, transport, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 92% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,235 in Carmarthen. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Carmarthen. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $67 in Carmarthen. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 43% less than in Carmarthen. Beyond cost, consider language, visa policies, and how big the international community is in each city.