Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cheltenham

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,327 in Cheltenham, rent and utilities included – about $11,500 less a year. Rent and utilities account for about half of the difference.

67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
113

Cost of Living Index in Cheltenham
Learn more

Cheltenham Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Cheltenham

🇬🇧 United Kingdom

$2,327

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $2,327 in Cheltenham.

Ubud, Bali $1,368
Cheltenham $2,327

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $3,528 in Cheltenham.

Ubud, Bali $2,314
Cheltenham $3,528

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $4,729 in Cheltenham.

Ubud, Bali $3,260
Cheltenham $4,729

Living in Ubud, Bali costs roughly 41% less than in Cheltenham, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Cheltenham 72% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$23.67 £17.75

-85.93%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$105 £79.1

-66.61%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$11.03 £8.28

-47.42%

Cappuccino

$2.73 Rp 49.1K

$4.89 £3.67

-44.17%

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

$1.64 Rp 29.5K

$2.56 £1.92

-35.94%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$1.74 £1.31

-52.30%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$7.76 £5.82

-65.21%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$6.54 £4.91

-34.25%

Milk (1 liter)

$1.50 Rp 27.1K

$1.73 £1.30

-13.29%

White Bread (500g)

$2.30 Rp 41.4K

$1.71 £1.29

34.50%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.99 £1.49

-40.70%

Eggs

$2.14 Rp 38.6K

$4.43 £3.33

-51.69%

Local Cheese (1kg)

$17.48 Rp 314.6K

$8.19 £6.15

113.43%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$9.59 £7.19

-57.98%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$13.09 £9.82

-6.57%

Apples (1kg)

$3.55 Rp 63.9K

$3.10 £2.32

14.52%

Banana (1kg)

$1.57 Rp 28.3K

$1.43 £1.07

9.79%

Oranges (1kg)

$2.24 Rp 40.2K

$1.93 £1.45

16.06%

Tomato (1kg)

$1.93 Rp 34.7K

$3.49 £2.62

-44.70%

Potato (1kg)

$1.88 Rp 33.9K

$1.52 £1.14

23.68%

Onion (1kg)

$2.29 Rp 41.3K

$1.51 £1.13

51.66%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.21 £0.91

-18.18%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.42 £1.07

-62.68%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$23.12 £17.35

-90.14%

Wine (Bottle)

$23.01 Rp 414.2K

$10.63 £7.98

116.46%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$2.86 £2.15

-18.18%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.93 £2.20

-0.68%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$3.44 £2.58

-93.02%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$92.5 £69.4

-90.46%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$3.53 £2.65

-86.40%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.64 £1.23

-71.95%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$26.85 £20.14

-79.70%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.87 £1.40

-52.94%

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

$24.6K Rp 442.2M

$37.1K £27.8K

-33.75%

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

$31.2K Rp 561.4M

$41.2K £30.9K

-24.27%

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

$83.0 Rp 1.5M

$341 £256

-75.64%

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

$6.45 Rp 116.0K

$17.10 £12.83

-62.28%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$51.0 £38.24

-63.57%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$44.28 £33.22

26.06%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$39.01 £29.27

-53.58%

Cinema Ticket

$4.38 Rp 78.9K

$14.00 £10.50

-68.71%

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

$493 Rp 8.9M

$2,020 £1,516

-75.60%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$25.2K £18.9K

-77.16%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$98.2 £73.7

-52.98%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$48.22 £36.18

-26.73%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$106 £79.4

-25.27%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$96.9 £72.7

-19.07%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$1,161 £871

-1.63%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$929 £697

-27.23%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$2,149 £1,613

62.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,617 £1,213

5.15%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$5,704 £4,279

-51.19%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$5,676 £4,258

-60.53%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$4,753 £3,566

-96.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.54

148.74%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Cheltenham: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Cheltenham

$929 39.9% 37.4% $253

Groceries & Markets

Ubud, Bali

$290 21.2%

Cheltenham

$292 12.6% 0.6% $1.7

Eating Out

Ubud, Bali

$109 8%

Cheltenham

$350 15.1% 222% $241

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Cheltenham

$409 17.6% 278% $301

Clothing & Footwear

Ubud, Bali

$108 7.9%

Cheltenham

$157 6.8% 46.1% $50

Sport & Entertainment

Ubud, Bali

$65 4.7%

Cheltenham

$72 3.1% 11.9% $7.7

Getting Around

Ubud, Bali

$13 0.9%

Cheltenham

$118 5.1% 840% $105

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $1,161 in Cheltenham. Housing cost is often the main lever when comparing two cities.

Cheltenham pays 2788% 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 $105 in Cheltenham for a mid-range dinner for two. Groceries echo the gap at $290 vs $292 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇧 Cheltenham

🕒 Local time

23:22 11:22 PM

16:22 4:22 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

115,300

💱 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 19, 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 19, 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 Cheltenham 12,610 km ≈ 16 h nonstop flight

From you

Ubud, Bali
Cheltenham

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 Cheltenham: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 70% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2788% lower in Cheltenham. 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 $1,161 in Cheltenham. 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 $105 in Cheltenham. 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 $2,327 in Cheltenham – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,327 in Cheltenham, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cheltenham. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Cheltenham 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 70% less than in Cheltenham. Beyond cost, consider language, visa policies, and how big the international community is in each city.