Cost of Living Comparison Between Ubud, Bali and Cruz Bay Cost of Living Comparison Between Ubud, Bali and Cruz Bay

Monthly Cost of Living

Monthly costs for one person with rent: $1,397 in Ubud, Bali versus $2,830 in Cruz Bay.

Estimated couple costs with rent: $2,588 in Ubud, Bali versus $4,574 in Cruz Bay.

Monthly costs for a family of three with rent: $3,778 in Ubud, Bali versus $6,317 in Cruz Bay.

Living in Ubud, Bali costs roughly 51% less than in Cruz Bay, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Cruz Bay 112% above.

Meal at Budget Restaurant

$3.43 Rp 61.6K

$29.60 $29.60

-88.41%

Three-Course Dinner for Two, Mid-Range

$31.97 Rp 574.4K

$91.9 $91.9

-65.20%

Fast Food Meal (McDonalds, etc)

$5.05 Rp 90.8K

$17.11 $17.11

-70.49%

Cappuccino

$2.71 Rp 48.8K

$9.03 $9.03

-69.99%

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

$1.39 Rp 25.0K

$3.05 $3.05

-54.43%

Water (0.33 liter bottle)

$0.74 Rp 13.3K

$3.92 $3.92

-81.12%

Local Beer (0.5 liter draught)

$2.89 Rp 52.0K

$7.94 $7.94

-63.60%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.1K

$9.10 $9.10

-58.35%

Milk (1 liter)

$1.79 Rp 32.2K

$3.40 $3.40

-47.35%

White Bread (500g)

$2.51 Rp 45.0K

Rice (white) (1kg)

$1.21 Rp 21.8K

Eggs

$2.37 Rp 42.5K

$4.86 $4.86

-51.23%

Local Cheese (1kg)

$14.43 Rp 259.3K

Chicken Fillets (1kg)

$4.15 Rp 74.6K

$15.71 $15.71

-73.58%

Beef Round Steak (1kg)

$12.11 Rp 217.7K

Apples (1kg)

$3.77 Rp 67.7K

$9.07 $9.07

-58.43%

Banana (1kg)

$1.63 Rp 29.2K

Oranges (1kg)

$2.71 Rp 48.6K

Tomato (1kg)

$2.26 Rp 40.5K

Potato (1kg)

$1.93 Rp 34.6K

Onion (1kg)

$2.19 Rp 39.4K

Lettuce (1 head)

$1.02 Rp 18.3K

Water (1.5 liter bottle)

$0.72 Rp 12.9K

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 57.2K

Wine (Bottle)

$23.84 Rp 428.3K

$25.21 $25.21

-5.43%

Local Beer (0.5 liter bottle)

$2.77 Rp 49.8K

Imported Beer (0.33 liter bottle)

$2.75 Rp 49.4K

One-way Ticket (Public Transport)

$0.27 Rp 4,802

Public Transport Monthly Pass (Regular Price)

$8.20 Rp 147.3K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,571

Taxi 1hour Waiting (Normal Tariff)

$6.03 Rp 108.3K

Gasoline (1 liter)

$0.82 Rp 14.7K

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

$26.6K Rp 477.3M

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

$32.2K Rp 578.6M

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

$78.3 Rp 1.4M

$346 $346

-77.41%

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

$3.91 Rp 70.3K

$142 $142

-97.24%

Internet (50+ Mbps, Unlimited Data)

$23.91 Rp 429.7K

$60.3 $60.3

-60.34%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$88.9 $88.9

8.20%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 117.3K

Cinema Ticket

$4.01 Rp 72.1K

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

$303 Rp 5.4M

International Primary School, 1 Child (Yearly)

$6,551 Rp 117.7M

$13.2K $13.2K

-50.24%

Jeans (Levis 501 Or Similar)

$55.3 Rp 993.9K

Summer Dress (H&M, Zara, etc)

$38.32 Rp 688.6K

Sport Shoes (Adidas, Nike)

$88.5 Rp 1.6M

Men's Leather Business Shoes

$76.7 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$1,772 $1,772

-44.39%

1-bedroom Apartment, Outside City Center (Monthly)

$682 Rp 12.3M

$1,509 $1,509

-54.81%

3-bedroom Apartment, City Center (Monthly)

$3,420 Rp 61.5M

$3,480 $3,480

-1.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,075 Rp 37.3M

$3,535 $3,535

-41.32%

Buy Apartment in City Center (m2)

$2,762 Rp 49.6M

$10.9K $10.9K

-74.76%

Buy Apartment Outside City Center (m2)

$2,243 Rp 40.3M

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$6,133 $6,133

-97.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

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

Last update for Ubud, Bali: July 22, 2026

Last update for Cruz Bay: July 21, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $1,772 in Cruz Bay. Housing cost is often the main lever when comparing two cities.

Cruz Bay pays 3535% 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: $32.00 in Ubud, Bali vs $92.0 in Cruz Bay. Groceries flip the comparison at $298 vs $228, with Cruz Bay cheaper for home cooking.

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 Cruz Bay: Cost of Living - Frequently Asked Questions

Ubud, Bali and Cruz Bay differ by about 103% in total monthly costs ($1,397 vs $2,830 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 3535% lower in Cruz Bay. 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: $986 in Ubud, Bali versus $1,772 in Cruz Bay. 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 $32.00 versus $92.0 in Cruz Bay. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,397 per month in Ubud, Bali versus $2,830 in Cruz Bay – a 103% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,397 in Ubud, Bali versus $2,830 in Cruz Bay, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cruz Bay. 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 Cruz Bay 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 103% less than in Cruz Bay. Beyond cost, consider language, visa policies, and how big the international community is in each city.