Cost of Living Comparison Between Ubud, Bali and Derna Cost of Living Comparison Between Ubud, Bali and Derna

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $174 in Derna, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $339 in Derna, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $504 in Derna, rent included.

Ubud, Bali costs about 703% more than Derna, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Derna is 87% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$3.84 LYD 24.29

-12.24%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$8.07 LYD 51.1

378.19%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$3.12 LYD 19.76

76.92%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.48 LYD 3.07

Imported Non-Alcoholic Beer (0.33 liter bottle)

$0.62 LYD 3.92

Cappuccino

$2.64 Rp 46.8K

$0.45 LYD 2.86

486.67%

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

$1.67 Rp 29.6K

$0.33 LYD 2.06

406.06%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

Milk (1 liter)

$1.55 Rp 27.3K

$0.75 LYD 4.75

106.67%

White Bread (500g)

$2.22 Rp 39.3K

Rice (white) (1kg)

$1.13 Rp 19.9K

$2.43 LYD 15.38

-53.50%

Eggs

$2.09 Rp 36.9K

$0.97 LYD 6.16

115.46%

Local Cheese (1kg)

$17.39 Rp 307.6K

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$3.06 LYD 19.35

26.47%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

Apples (1kg)

$3.62 Rp 63.9K

Banana (1kg)

$1.56 Rp 27.6K

$0.75 LYD 4.76

108.00%

Oranges (1kg)

$2.35 Rp 41.6K

$0.97 LYD 6.15

142.27%

Tomato (1kg)

$2.06 Rp 36.4K

Potato (1kg)

$1.90 Rp 33.6K

Onion (1kg)

$2.34 Rp 41.3K

Lettuce (1 head)

$1.03 Rp 18.2K

Water (1.5 liter bottle)

$0.55 Rp 9,809

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

Wine (Bottle)

$23.81 Rp 421.0K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

One-way Ticket (Public Transport)

$0.27 Rp 4,816

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$0.81 LYD 5.13

-40.74%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

Gasoline (1 liter)

$0.76 Rp 13.4K

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

$24.5K Rp 433.0M

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

$32.1K Rp 568.0M

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

$83.6 Rp 1.5M

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

$6.46 Rp 114.2K

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$14.13 LYD 89.5

34.39%

Gym Membership (Monthly)

$56.0 Rp 989.8K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

Cinema Ticket

$4.28 Rp 75.7K

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

$487 Rp 8.6M

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$31.54 LYD 200

44.45%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$39.11 LYD 248

-6.98%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$38.88 LYD 246

110.80%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$38.95 LYD 247

106.42%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$159 LYD 1,009

2119.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$94.6 LYD 599

1763.36%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

$198 LYD 1,255

1325.87%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

$79.8 LYD 505

2771.21%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$174 LYD 1,103

-2.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: August 31, 2026

Last update for Derna: August 31, 2026

Cost Breakdown

Salaries run about 3% higher in Derna, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $8.00 in Derna. Monthly groceries follow the same trend: $293 vs $45.00 – making Derna the more affordable choice for daily food spending.

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 Derna: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 703% more than Derna, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $261 in Derna. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,396 in Ubud, Bali and $174 in Derna. The difference isn't just one category – it shows up across housing, food, transport, and services.

Groceries cost about 554% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Derna, where all-in costs run around $174, than in Ubud, Bali at $1,396. In Derna it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Derna costs $174 versus $1,396 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Derna. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.