Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Elmira, NY

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,902 in Elmira, NY, rent and utilities included – about $6,600 less a year. Rent and utilities account for about half of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
94

Cost of Living Index in Elmira, NY
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Elmira, NY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Elmira, NY

🇺🇸 United States

$1,902

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Elmira, NY

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

A single person spends $1,348 per month in Ubud, Bali vs $1,902 in Elmira, NY, rent included.

Ubud, Bali $1,348
Elmira, NY $1,902

A couple spends around $2,312 per month in Ubud, Bali vs $2,686 in Elmira, NY, rent included.

Ubud, Bali $2,312
Elmira, NY $2,686

A family of three spends $3,276 per month in Ubud, Bali vs $3,469 in Elmira, NY, rent included.

Ubud, Bali $3,276
Elmira, NY $3,469

Ubud, Bali is about 29% cheaper than Elmira, NY, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Elmira, NY sit above the global median – Ubud, Bali by 1%, Elmira, NY by 42%.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$8.32 $8.32

-59.98%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$94.2 $94.2

-62.42%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$11.97 $11.97

-51.88%

Cappuccino

$2.63 Rp 47.0K

$5.03 $5.03

-47.71%

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

$1.74 Rp 31.0K

$2.41 $2.41

-27.80%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.46 $1.46

-47.26%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$3.95 $3.95

-31.39%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$4.90 $4.90

-7.76%

Milk (1 liter)

$1.53 Rp 27.4K

$0.81 $0.81

88.89%

White Bread (500g)

$2.20 Rp 39.2K

$2.55 $2.55

-13.73%

Rice (white) (1kg)

$1.22 Rp 21.8K

$5.70 $5.70

-78.60%

Eggs

$2.14 Rp 38.2K

$2.81 $2.81

-23.84%

Local Cheese (1kg)

$17.73 Rp 316.9K

$13.03 $13.03

36.07%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$10.07 $10.07

-61.67%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$13.44 $13.44

-10.49%

Apples (1kg)

$3.61 Rp 64.5K

$4.95 $4.95

-27.07%

Banana (1kg)

$1.51 Rp 27.1K

$1.05 $1.05

43.81%

Oranges (1kg)

$2.32 Rp 41.4K

$4.62 $4.62

-49.78%

Tomato (1kg)

$2.00 Rp 35.8K

$5.04 $5.04

-60.32%

Potato (1kg)

$1.81 Rp 32.4K

$2.69 $2.69

-32.71%

Onion (1kg)

$2.39 Rp 42.7K

$3.06 $3.06

-21.90%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.39 $2.39

-58.58%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$2.41 $2.41

-78.42%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$12.92 $12.92

-83.13%

Wine (Bottle)

$22.98 Rp 410.7K

$18.22 $18.22

26.13%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$2.08 $2.08

15.38%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$4.03 $4.03

-25.56%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$5.29 $5.29

-91.68%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$2.29 $2.29

-81.66%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$45.83 $45.83

-88.11%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.11 $1.11

-24.32%

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

$24.3K Rp 434.8M

$35.2K $35.2K

-30.90%

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

$31.9K Rp 570.0M

$24.6K $24.6K

29.54%

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

$80.8 Rp 1.4M

$149 $149

-45.65%

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

$6.58 Rp 117.6K

$52.5 $52.5

-87.46%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$66.7 $66.7

-72.65%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$24.83 $24.83

122.03%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

Cinema Ticket

$4.24 Rp 75.9K

$9.94 $9.94

-57.34%

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

$486 Rp 8.7M

$1,515 $1,515

-67.94%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$32.9K $32.9K

-82.76%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$32.21 $32.21

40.27%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$45.26 $45.26

-23.62%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$78.3 $78.3

1.10%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$113 $113

-31.35%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$1,193 $1,193

-5.55%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$892 $892

-24.46%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$1,484 $1,484

143.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,083 $1,083

60.11%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$1,106 $1,106

155.74%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,096 $1,096

110.37%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$8,383 $8,383

-98.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.52

111.35%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Elmira, NY: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Elmira, NY

$892 46.2% 32.4% $218

Groceries & Markets

Ubud, Bali

$290 21.4%

Elmira, NY

$380 19.7% 30.9% $90

Eating Out

Ubud, Bali

$108 8%

Elmira, NY

$208 10.8% 92.3% $100

Clothing & Footwear

Ubud, Bali

$106 7.8%

Elmira, NY

$121 6.3% 13.7% $15

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Elmira, NY

$268 13.9% 154% $162

Sport & Entertainment

Ubud, Bali

$64 4.7%

Elmira, NY

$45 2.3% 29.7% $19

Getting Around

Ubud, Bali

$11 0.8%

Elmira, NY

$17 * 0.9% 59.2% $6.2

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,127 in Ubud, Bali versus $1,193 in Elmira, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 4960% higher in Elmira, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $94.0 in Elmira, NY. Monthly groceries follow the same trend: $290 vs $380 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Elmira, NY

🕒 Local time

09:13 9:13 AM

21:13 9:13 PM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

26,523

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 11, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Elmira, NY 16,100 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Elmira, NY

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 Elmira, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,348 in Ubud, Bali, $1,902 in Elmira, NY – roughly 41% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,022 per month in Ubud, Bali and $2,853 in Elmira, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $35.00 in Ubud, Bali and $94.0 in Elmira, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 31% more in Elmira, NY, 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 Ubud, Bali, where all-in costs run around $1,348, than in Elmira, NY at $1,902. In Ubud, Bali it covers expenses comfortably, while in Elmira, NY it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,348 in Ubud, Bali to $1,902 in Elmira, NY. Climate, culture, job market, and personal taste all factor in.

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