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

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $680 in Elmina, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $1,160 in Elmina, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $1,640 in Elmina, rent included.

Ubud, Bali costs about 105% more than Elmina, driven mainly by Eating Out.

Ubud, Bali sits 2% above the global median, while Elmina is 50% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$8.14 GHS 92.0

-58.60%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$53.4 GHS 604

-27.76%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$10.81 GHS 122

-48.94%

Cappuccino

$2.64 Rp 46.8K

$4.72 GHS 53.3

-44.07%

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

$1.67 Rp 29.6K

$1.65 GHS 18.66

1.21%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.49 GHS 5.48

57.14%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

$1.86 GHS 21.01

41.40%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

$2.27 GHS 25.65

88.55%

Milk (1 liter)

$1.55 Rp 27.3K

$3.81 GHS 43.11

-59.32%

White Bread (500g)

$2.22 Rp 39.3K

$1.80 GHS 20.34

23.33%

Rice (white) (1kg)

$1.13 Rp 19.9K

$3.14 GHS 35.48

-64.01%

Eggs

$2.09 Rp 36.9K

$2.71 GHS 30.61

-22.88%

Local Cheese (1kg)

$17.39 Rp 307.6K

$12.56 GHS 142

38.46%

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$7.49 GHS 84.6

-48.33%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$10.26 GHS 116

22.32%

Apples (1kg)

$3.62 Rp 63.9K

$3.77 GHS 42.55

-3.98%

Banana (1kg)

$1.56 Rp 27.6K

$1.47 GHS 16.63

6.12%

Oranges (1kg)

$2.35 Rp 41.6K

$1.86 GHS 21.06

26.34%

Tomato (1kg)

$2.06 Rp 36.4K

$3.75 GHS 42.42

-45.07%

Potato (1kg)

$1.90 Rp 33.6K

$2.81 GHS 31.80

-32.38%

Onion (1kg)

$2.34 Rp 41.3K

$2.73 GHS 30.84

-14.29%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.78 GHS 8.78

32.05%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$0.62 GHS 6.95

-11.29%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$2.59 GHS 29.23

-13.13%

Wine (Bottle)

$23.81 Rp 421.0K

$7.16 GHS 80.9

232.54%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

$1.32 GHS 14.93

75.00%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

$2.46 GHS 27.75

13.82%

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

$1.73 GHS 19.53

-72.25%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$1.29 GHS 14.59

-65.12%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$4.38 GHS 49.50

30.59%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.39 GHS 15.73

-45.32%

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

$24.5K Rp 433.0M

$8,005 GHS 90.5K

205.84%

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

$32.1K Rp 568.0M

$10.3K GHS 116.0K

212.89%

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

$83.6 Rp 1.5M

$74.0 GHS 836

12.98%

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

$6.46 Rp 114.2K

$19.52 GHS 221

-66.91%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$43.23 GHS 489

-56.07%

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

$13.10 GHS 148

-67.33%

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

$487 Rp 8.6M

$468 GHS 5,294

3.85%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

$18.5K GHS 208.8K

-68.31%

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$14.64 GHS 165

211.20%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$19.45 GHS 220

87.04%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$37.21 GHS 420

120.26%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$55.0 GHS 621

46.31%

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

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

26.75

-48.49%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Elmina: August 31, 2026

Cost Breakdown

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $53.0 in Elmina. Groceries tell a different story – $293 in Ubud, Bali vs $290 in Elmina – so Elmina wins on supermarket bills even if dining out costs more.

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 Elmina: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 105%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $1,021 in Elmina. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $39.00 in Ubud, Bali and $53.0 in Elmina. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 1% 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 $1,500 monthly budget goes further in Elmina, where all-in costs run around $680, than in Ubud, Bali at $1,396. In Elmina it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Elmina – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Elmina. 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.