Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cromwell

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,877 in Cromwell, rent and utilities included – about $6,100 less a year. Other living expenses account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
91

Cost of Living Index in Cromwell
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Cromwell Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Cromwell

🇳🇿 New Zealand

$1,877

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,877 in Cromwell.

Ubud, Bali $1,368
Cromwell $1,877

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $2,785 in Cromwell.

Ubud, Bali $2,314
Cromwell $2,785

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $3,692 in Cromwell.

Ubud, Bali $3,260
Cromwell $3,692

Living in Ubud, Bali costs roughly 27% less than in Cromwell, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Cromwell 39% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$13.76 NZ$24.33

-75.80%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$60.5 NZ$107

-41.87%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$11.14 NZ$19.70

-47.94%

Cappuccino

$2.73 Rp 49.1K

$3.35 NZ$5.92

-18.51%

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

$1.64 Rp 29.5K

$2.12 NZ$3.74

-22.64%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.09 NZ$3.70

-60.29%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$6.81 NZ$12.04

-60.35%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$6.05 NZ$10.69

-28.93%

Milk (1 liter)

$1.50 Rp 27.1K

$2.08 NZ$3.68

-27.88%

White Bread (500g)

$2.30 Rp 41.4K

$2.01 NZ$3.55

14.43%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.69 NZ$2.98

-30.18%

Eggs

$2.14 Rp 38.6K

$5.70 NZ$10.08

-62.46%

Local Cheese (1kg)

$17.48 Rp 314.6K

$8.54 NZ$15.10

104.68%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$9.35 NZ$16.54

-56.90%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$16.22 NZ$28.69

-24.60%

Apples (1kg)

$3.55 Rp 63.9K

$2.98 NZ$5.28

19.13%

Banana (1kg)

$1.57 Rp 28.3K

$2.34 NZ$4.13

-32.91%

Oranges (1kg)

$2.24 Rp 40.2K

$3.11 NZ$5.51

-27.97%

Tomato (1kg)

$1.93 Rp 34.7K

$5.10 NZ$9.02

-62.16%

Potato (1kg)

$1.88 Rp 33.9K

$1.87 NZ$3.31

0.53%

Onion (1kg)

$2.29 Rp 41.3K

$1.85 NZ$3.28

23.78%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.35 NZ$4.15

-57.87%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.58 NZ$1.03

-8.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$21.18 NZ$37.45

-89.24%

Wine (Bottle)

$23.01 Rp 414.2K

$8.89 NZ$15.73

158.83%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$3.21 NZ$5.68

-27.10%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.19 NZ$2.10

144.54%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.73 NZ$3.07

-86.13%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$93.9 NZ$166

-90.60%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$2.17 NZ$3.85

-77.88%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.87 NZ$3.31

-75.40%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$28.41 NZ$50.2

-80.82%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.74 NZ$3.07

-49.43%

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

$24.6K Rp 442.2M

$24.9K NZ$44.1K

-1.43%

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

$31.2K Rp 561.4M

$25.1K NZ$44.3K

24.42%

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

$83.0 Rp 1.5M

$110 NZ$194

-24.36%

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

$6.45 Rp 116.0K

$28.00 NZ$49.52

-76.96%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$51.0 NZ$90.2

-63.59%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$38.81 NZ$68.6

43.83%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$6.76 NZ$11.95

167.90%

Cinema Ticket

$4.38 Rp 78.9K

$8.16 NZ$14.44

-46.32%

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

$493 Rp 8.9M

$786 NZ$1,389

-37.25%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$12.4K NZ$21.9K

-53.45%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$59.2 NZ$105

-21.99%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$35.50 NZ$62.8

-0.48%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$92.1 NZ$163

-14.10%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$132 NZ$233

-40.51%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$955 NZ$1,690

19.58%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$811 NZ$1,434

-16.67%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$1,602 NZ$2,834

118.62%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,269 NZ$2,244

33.97%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$4,811 NZ$8,509

-42.14%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,361 NZ$5,944

-33.34%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$2,917 NZ$5,159

-94.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.6

108.79%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Cromwell: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Cromwell

$811 43.2% 20% $135

Groceries & Markets

Ubud, Bali

$290 21.2%

Cromwell

$320 17.1% 10.3% $30

Eating Out

Ubud, Bali

$109 8%

Cromwell

$247 13.1% 127% $138

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Cromwell

$189 10.1% 74.7% $81

Clothing & Footwear

Ubud, Bali

$108 7.9%

Cromwell

$143 7.6% 33.3% $36

Sport & Entertainment

Ubud, Bali

$65 4.7%

Cromwell

$55 2.9% 14.6% $9.4

Getting Around

Ubud, Bali

$13 0.9%

Cromwell

$112 6% 795% $100

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $955 in Cromwell. Housing cost is often the main lever when comparing two cities.

Cromwell pays 1673% 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 $61.0 in Cromwell for a mid-range dinner for two. Groceries echo the gap at $290 vs $320 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Cromwell

🕒 Local time

21:08 9:08 PM

02:08 2:08 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

5,000

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

Exchange rates and currency converter

NZD, 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).

New Zealand Dollar exchange rates as of October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Cromwell 6,550 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Cromwell

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 Cromwell: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 37% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1673% lower in Cromwell. 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 $955 in Cromwell. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 10% higher in Cromwell. 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 $35.00 versus $61.0 in Cromwell. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $1,877 in Cromwell, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cromwell. 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 Cromwell, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Cromwell 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 37% less than in Cromwell. Beyond cost, consider language, visa policies, and how big the international community is in each city.