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: $1,438 in Ubud, Bali versus $798 in Francisco Morato.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,309 in Francisco Morato.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,821 in Francisco Morato.

Living in Ubud, Bali is roughly 80% more expensive than Francisco Morato, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Francisco Morato is 40% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$6.27 R$31.27

-43.06%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$32.59 R$163

-0.03%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$7.19 R$35.89

-29.49%

Cappuccino

$2.83 Rp 49.0K

$1.80 R$8.97

57.22%

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

$1.34 Rp 23.2K

$1.37 R$6.84

-2.19%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.87 R$4.35

-20.69%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.76 R$8.80

69.89%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$3.47 R$17.30

10.95%

Milk (1 liter)

$1.74 Rp 30.2K

$1.13 R$5.64

53.98%

White Bread (500g)

$2.54 Rp 44.0K

$1.52 R$7.60

67.11%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.27 R$6.31

-6.30%

Eggs

$2.43 Rp 42.0K

$2.29 R$11.41

6.11%

Local Cheese (1kg)

$14.66 Rp 254.1K

$8.08 R$40.34

81.44%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$3.73 R$18.60

12.06%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$8.63 R$43.06

38.35%

Apples (1kg)

$3.69 Rp 63.9K

$2.24 R$11.20

64.73%

Banana (1kg)

$1.61 Rp 27.8K

$1.78 R$8.90

-9.55%

Oranges (1kg)

$2.69 Rp 46.5K

$1.48 R$7.39

81.76%

Tomato (1kg)

$2.33 Rp 40.4K

$1.58 R$7.87

47.47%

Potato (1kg)

$1.91 Rp 33.0K

$1.31 R$6.55

45.80%

Onion (1kg)

$2.19 Rp 37.9K

$1.14 R$5.70

92.11%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.76 R$3.79

39.47%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.65 R$3.24

10.77%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$2.69 R$13.41

16.36%

Wine (Bottle)

$23.49 Rp 407.1K

$9.69 R$48.33

142.41%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.32 R$6.57

107.58%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$3.33 R$16.61

-13.51%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.94 R$4.71

-69.15%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$38.91 R$194

-79.00%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.86 R$4.29

-47.67%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$1.02 R$5.07

-58.82%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$8.41 R$41.97

-26.75%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.01 R$5.06

-16.83%

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

$26.2K Rp 454.9M

$22.4K R$111.9K

17.06%

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

$32.5K Rp 562.9M

$29.4K R$146.5K

10.63%

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

$78.4 Rp 1.4M

$47.80 R$239

64.06%

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

$3.95 Rp 68.5K

$15.07 R$75.2

-73.79%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$19.04 R$95.0

28.15%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$22.27 R$111

333.50%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$21.73 R$108

-70.78%

Cinema Ticket

$4.04 Rp 70.0K

$5.27 R$26.29

-23.34%

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

$303 Rp 5.2M

$313 R$1,561

-3.26%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$6,840 R$34.1K

-4.63%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$57.9 R$289

-6.93%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$52.5 R$262

-27.59%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$83.9 R$418

3.47%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$72.0 R$359

9.57%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$312 R$1,555

224.75%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$218 R$1,087

209.66%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$590 R$2,946

474.14%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$436 R$2,175

381.45%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$1,692 R$8,445

76.36%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,193 R$5,955

96.00%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

10.92

21.61%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Francisco Morato: April 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $312 in Francisco Morato. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $33.00 in Francisco Morato. Groceries flip the comparison at $298 vs $195, 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 80% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,158 in Ubud, Bali and $1,196 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: $1,012 in Ubud, Bali versus $312 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 $33.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,438 per month in Ubud, Bali versus $798 in Francisco Morato – a 80% gap that adds up to real savings over time for anyone picking the cheaper option.

At $798 in Francisco Morato versus $1,438 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 80% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.