Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Central Valley, NY

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,550 in Central Valley, NY, rent and utilities included – about $14,600 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
125

Cost of Living Index in Central Valley, NY
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Central Valley, NY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Central Valley, NY

🇺🇸 United States

$2,550

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Central Valley, NY

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 Central Valley, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,550 in Central Valley, NY.

Ubud, Bali $1,331
Central Valley, NY $2,550

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,650 in Central Valley, NY.

Ubud, Bali $2,255
Central Valley, NY $3,650

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $4,750 in Central Valley, NY.

Ubud, Bali $3,180
Central Valley, NY $4,750

Living in Ubud, Bali costs roughly 48% less than in Central Valley, NY, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Central Valley, NY is 89% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$20.72 $20.72

-83.69%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$72.0 $72.0

-51.88%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$10.74 $10.74

-48.14%

Cappuccino

$2.62 Rp 47.6K

$4.57 $4.57

-42.67%

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

$1.54 Rp 27.9K

$2.51 $2.51

-38.65%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.80 $1.80

-64.44%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$6.08 $6.08

-56.09%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$6.64 $6.64

-35.84%

Milk (1 liter)

$1.46 Rp 26.5K

$1.15 $1.15

26.96%

White Bread (500g)

$2.29 Rp 41.6K

$3.35 $3.35

-31.64%

Rice (white) (1kg)

$1.11 Rp 20.1K

$4.39 $4.39

-74.72%

Eggs

$2.10 Rp 38.1K

$4.17 $4.17

-49.64%

Local Cheese (1kg)

$15.94 Rp 289.4K

$11.40 $11.40

39.82%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$10.56 $10.56

-63.26%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$17.18 $17.18

-33.64%

Apples (1kg)

$3.55 Rp 64.5K

$5.48 $5.48

-35.22%

Banana (1kg)

$1.54 Rp 27.9K

$1.60 $1.60

-3.75%

Oranges (1kg)

$2.23 Rp 40.5K

$4.32 $4.32

-48.38%

Tomato (1kg)

$1.97 Rp 35.8K

$4.42 $4.42

-55.43%

Potato (1kg)

$1.86 Rp 33.7K

$2.70 $2.70

-31.11%

Onion (1kg)

$2.42 Rp 43.9K

$3.04 $3.04

-20.39%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.89 $1.89

-46.03%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$2.55 $2.55

-79.61%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$9.94 $9.94

-77.87%

Wine (Bottle)

$21.79 Rp 395.6K

$13.24 $13.24

64.58%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.73 $1.73

34.68%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.69 $3.69

-19.51%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$2.07 $2.07

-87.92%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$69.0 $69.0

-88.16%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$3.37 $3.37

-86.94%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$1.48 $1.48

-68.24%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$32.34 $32.34

-82.68%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.06 $1.06

-21.70%

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

$24.4K Rp 443.8M

$30.1K $30.1K

-18.91%

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

$31.7K Rp 575.5M

$28.6K $28.6K

10.69%

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

$77.5 Rp 1.4M

$223 $223

-65.33%

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

$6.14 Rp 111.6K

$57.4 $57.4

-89.30%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$69.3 $69.3

-72.71%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$41.56 $41.56

22.69%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$4.38 Rp 79.6K

$12.83 $12.83

-65.86%

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

$492 Rp 8.9M

$1,411 $1,411

-65.11%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$17.8K $17.8K

-31.39%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$55.9 $55.9

-19.17%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$41.69 $41.69

-16.31%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$77.1 $77.1

1.58%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$112 $112

-30.43%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$1,374 $1,374

-21.56%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$1,213 $1,213

-45.17%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$2,798 $2,798

25.43%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$1,850 $1,850

-9.66%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$3,149 $3,149

-25.70%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,188 $2,188

2.20%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.59

109.10%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Central Valley, NY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Central Valley, NY

$1.2K 47.6% 82.4% $548

Groceries & Markets

Ubud, Bali

$279 21%

Central Valley, NY

$389 15.3% 39.1% $109

Clothing & Footwear

Ubud, Bali

$106 8%

Central Valley, NY

$129 5.1% 21.3% $23

Eating Out

Ubud, Bali

$106 8%

Central Valley, NY

$314 12.3% 197% $208

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Central Valley, NY

$350 13.7% 242% $248

Sport & Entertainment

Ubud, Bali

$60 4.5%

Central Valley, NY

$67 2.6% 12.5% $7.5

Getting Around

Ubud, Bali

$12 0.9%

Central Valley, NY

$88 3.5% 637% $76

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,374 in Central Valley, NY. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $72 in Central Valley, NY for a mid-range dinner for two. Groceries echo the gap at $279 vs $389 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Central Valley, NY

🕒 Local time

07:13 7:13 AM

18:13 6:13 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

1 USD = 0.888 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.13 USD (1 USD = 0.888 EUR).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Central Valley, NY 16,250 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Central Valley, NY

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 Central Valley, NY: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 48% cheaper overall, especially in eating out, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,996 in Ubud, Bali and $3,825 in Central Valley, NY to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,078 in Ubud, Bali versus $1,374 in Central Valley, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 39% higher in Central Valley, NY. 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 $35 versus $72 in Central Valley, NY. 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 48% less than in Central Valley, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.