Cost of Living Comparison Between Ubud, Bali and Cumberland, MD Cost of Living Comparison Between Ubud, Bali and Cumberland, MD

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $2,299 in Cumberland, MD.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $3,216 in Cumberland, MD.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $4,132 in Cumberland, MD.

Living in Ubud, Bali costs roughly 39% less than in Cumberland, MD, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Ubud, Bali 5% above, Cumberland, MD 73% above.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$7.15 $7.15

-50.07%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$45.66 $45.66

-29.22%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$9.94 $9.94

-49.60%

Cappuccino

$2.82 Rp 51.0K

$2.49 $2.49

13.25%

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

$1.35 Rp 24.4K

$1.24 $1.24

8.87%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$1.27 $1.27

-42.52%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$2.93 $2.93

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$7.49 $7.49

-47.40%

Milk (1 liter)

$1.78 Rp 32.1K

$1.05 $1.05

69.52%

White Bread (500g)

$2.45 Rp 44.2K

$2.22 $2.22

10.36%

Rice (white) (1kg)

$1.15 Rp 20.7K

$3.97 $3.97

-71.03%

Eggs

$2.41 Rp 43.6K

$4.28 $4.28

-43.69%

Local Cheese (1kg)

$14.33 Rp 258.7K

$8.97 $8.97

59.75%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$10.02 $10.02

-58.18%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$16.04 $16.04

-24.81%

Apples (1kg)

$3.64 Rp 65.7K

$4.45 $4.45

-18.20%

Banana (1kg)

$1.57 Rp 28.3K

$1.55 $1.55

1.29%

Oranges (1kg)

$2.79 Rp 50.3K

$6.75 $6.75

-58.67%

Tomato (1kg)

$2.24 Rp 40.5K

$5.24 $5.24

-57.25%

Potato (1kg)

$1.98 Rp 35.7K

$2.81 $2.81

-29.54%

Onion (1kg)

$2.28 Rp 41.1K

$2.99 $2.99

-23.75%

Lettuce (1 head)

$1.05 Rp 19.0K

$2.51 $2.51

-58.17%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.01 $1.01

-21.78%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$6.92 $6.92

-53.90%

Wine (Bottle)

$23.49 Rp 424.1K

$12.22 $12.22

92.23%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$2.26 $2.26

28.32%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$2.04 $2.04

35.29%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$1.96 $1.96

-86.22%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.84 $1.84

-75.54%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$1.33 $1.33

-65.41%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$23.83 $23.83

-74.53%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.86 $0.86

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

$26.6K Rp 480.0M

$25.8K $25.8K

3.12%

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

$32.5K Rp 587.6M

$26.0K $26.0K

25.00%

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

$79.0 Rp 1.4M

$174 $174

-54.69%

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

$4.09 Rp 73.9K

$56.0 $56.0

-92.69%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$55.7 $55.7

-57.17%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$42.83 $42.83

130.63%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$4.01 Rp 72.3K

$14.97 $14.97

-73.21%

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

$297 Rp 5.4M

$609 $609

-51.23%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$32.9K $32.9K

-79.93%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$14.91 $14.91

258.35%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$34.46 $34.46

10.59%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$34.53 $34.53

156.73%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$35.28 $35.28

117.18%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$1,620 $1,620

-37.05%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$1,364 $1,364

-50.12%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$2,649 $2,649

30.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$2,243 $2,243

-6.81%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,089 $1,089

150.63%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,080 $1,080

112.62%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.5

141.45%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Cumberland, MD: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $1,620 in Cumberland, MD. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $46.00 in Cumberland, MD for a mid-range dinner for two. Groceries echo the gap at $298 vs $352 per month, with Ubud, Bali cheaper across the board.

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 Cumberland, MD: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Monthly Utilities & Internet, Getting Around. The 65% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,088 in Ubud, Bali and $3,449 in Cumberland, MD 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: $1,020 in Ubud, Bali versus $1,620 in Cumberland, MD. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Cumberland, MD. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,392 per month in Ubud, Bali versus $2,299 in Cumberland, MD – a 65% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,392 in Ubud, Bali versus $2,299 in Cumberland, MD, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Cumberland, MD. 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 Cumberland, MD, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Cumberland, MD 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 65% less than in Cumberland, MD. Beyond cost, consider language, visa policies, and how big the international community is in each city.