Cost of Living Comparison Between Ubud, Bali and Francisco Morato Cost of Living Comparison Between Ubud, Bali and Francisco Morato

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $905 in Francisco Morato.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,486 in Francisco Morato.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,066 in Francisco Morato.

Living in Ubud, Bali is roughly 51% more expensive than in Francisco Morato, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Francisco Morato is 34% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$6.76 R$34.74

-49.11%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

$39.23 R$202

-7.44%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$8.04 R$41.34

-28.98%

Cappuccino

$2.67 Rp 47.4K

$2.07 R$10.64

28.99%

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

$1.75 Rp 31.0K

$1.67 R$8.60

4.79%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$1.19 R$6.12

-26.89%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$2.96 R$15.22

-0.34%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

$4.66 R$23.95

-3.00%

Milk (1 liter)

$1.62 Rp 28.7K

$1.16 R$5.99

39.66%

White Bread (500g)

$2.33 Rp 41.3K

$1.99 R$10.24

17.09%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.15 R$5.92

-3.48%

Eggs

$2.20 Rp 39.0K

$2.69 R$13.84

-18.22%

Local Cheese (1kg)

$17.69 Rp 313.9K

$8.50 R$43.69

108.12%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$4.25 R$21.85

-3.53%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$10.70 R$55.0

13.83%

Apples (1kg)

$3.71 Rp 65.8K

$2.76 R$14.19

34.42%

Banana (1kg)

$1.59 Rp 28.2K

$1.81 R$9.33

-12.15%

Oranges (1kg)

$2.28 Rp 40.5K

$1.75 R$9.00

30.29%

Tomato (1kg)

$1.95 Rp 34.7K

$1.82 R$9.35

7.14%

Potato (1kg)

$1.91 Rp 33.8K

$1.38 R$7.09

38.41%

Onion (1kg)

$2.33 Rp 41.4K

$1.34 R$6.90

73.88%

Lettuce (1 head)

$1.01 Rp 17.9K

$0.89 R$4.55

13.48%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$0.71 R$3.67

-22.54%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$2.70 R$13.90

-17.41%

Wine (Bottle)

$23.07 Rp 409.3K

$8.61 R$44.29

167.94%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.63 R$8.37

48.47%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$4.32 R$22.21

-30.56%

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$0.98 R$5.06

-72.45%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

$39.60 R$204

-77.32%

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$1.29 R$6.63

-62.79%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

$1.34 R$6.87

-67.91%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$9.38 R$48.26

-39.87%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.22 R$6.29

-34.43%

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

$24.9K Rp 442.5M

$23.8K R$122.4K

4.81%

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

$31.7K Rp 562.6M

$32.4K R$166.8K

-2.26%

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

$81.5 Rp 1.4M

$45.08 R$232

80.70%

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

$6.49 Rp 115.2K

$15.16 R$77.9

-57.19%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$17.70 R$91.0

6.05%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$23.26 R$120

144.50%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$28.11 R$145

-33.37%

Cinema Ticket

$4.54 Rp 80.5K

$7.64 R$39.28

-40.58%

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

$481 Rp 8.5M

$421 R$2,163

14.25%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$7,339 R$37.7K

-22.18%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$55.2 R$284

-17.58%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$57.3 R$295

-37.37%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$92.6 R$476

-13.20%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$82.0 R$422

-4.10%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$347 R$1,786

220.94%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$231 R$1,188

202.07%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$646 R$3,320

463.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$460 R$2,365

277.67%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$1,791 R$9,210

55.45%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$1,299 R$6,680

76.26%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.12

23.92%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Francisco Morato: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $347 in Francisco Morato. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $39.00 in Francisco Morato. Groceries flip the comparison at $295 vs $219, with Francisco Morato 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 Francisco Morato: Cost of Living - Frequently Asked Questions

Francisco Morato is cheaper overall, especially in Groceries & Markets, Sport & Entertainment. The 51% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,052 in Ubud, Bali and $1,358 in Francisco Morato 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: $1,115 in Ubud, Bali versus $347 in Francisco Morato. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Francisco Morato – a meal for two runs $39.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $905 in Francisco Morato – a 51% gap that adds up to real savings over time for anyone picking the cheaper option.

At $905 in Francisco Morato versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Francisco Morato but tight or insufficient in Ubud, Bali. The gap between the two cities makes Francisco Morato the clear choice for anyone on this budget.

For families, Francisco Morato is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Francisco Morato 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 Francisco Morato gentler on the wallet – expenses run 51% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.