Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Germantown, TN

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,559 in Germantown, TN, rent and utilities included – about $14,500 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
124

Cost of Living Index in Germantown, TN
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Germantown, TN Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Germantown, TN

🇺🇸 United States

$2,559

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Germantown, TN

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 Germantown, TN actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,559 in Germantown, TN.

Ubud, Bali $1,353
Germantown, TN $2,559

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $3,889 in Germantown, TN.

Ubud, Bali $2,297
Germantown, TN $3,889

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $5,220 in Germantown, TN.

Ubud, Bali $3,241
Germantown, TN $5,220

Living in Ubud, Bali costs roughly 47% less than in Germantown, TN, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Germantown, TN 89% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$18.12 $18.12

-82.17%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$73.6 $73.6

-52.62%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$12.53 $12.53

-54.51%

Cappuccino

$2.62 Rp 47.1K

$5.67 $5.67

-53.79%

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

$1.72 Rp 31.0K

$2.51 $2.51

-31.47%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.89 $1.89

-57.14%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$5.36 $5.36

-50.56%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$7.57 $7.57

-42.27%

Milk (1 liter)

$1.57 Rp 28.3K

$1.06 $1.06

48.11%

White Bread (500g)

$2.19 Rp 39.5K

$3.43 $3.43

-36.15%

Rice (white) (1kg)

$1.18 Rp 21.2K

$4.62 $4.62

-74.46%

Eggs

$2.16 Rp 38.8K

$4.19 $4.19

-48.45%

Local Cheese (1kg)

$17.65 Rp 317.7K

$10.72 $10.72

64.65%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$12.34 $12.34

-69.37%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$18.07 $18.07

-33.87%

Apples (1kg)

$3.60 Rp 64.8K

$4.30 $4.30

-16.28%

Banana (1kg)

$1.59 Rp 28.6K

$1.67 $1.67

-4.79%

Oranges (1kg)

$2.31 Rp 41.6K

$4.36 $4.36

-47.02%

Tomato (1kg)

$1.91 Rp 34.3K

$4.12 $4.12

-53.64%

Potato (1kg)

$1.78 Rp 32.1K

$2.87 $2.87

-37.98%

Onion (1kg)

$2.33 Rp 41.9K

$2.56 $2.56

-8.98%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.26 $2.26

-55.75%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$2.20 $2.20

-75.91%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$9.24 $9.24

-75.22%

Wine (Bottle)

$22.07 Rp 397.3K

$16.31 $16.31

35.32%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.98 $1.98

18.69%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.26 $3.26

-8.59%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$2.21 $2.21

-89.59%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.10 $3.10

-84.84%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.57 $1.57

-72.61%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$26.32 $26.32

-79.22%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.93 $0.93

-10.75%

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

$23.9K Rp 429.8M

$26.4K $26.4K

-9.43%

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

$32.8K Rp 590.1M

$28.6K $28.6K

14.44%

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

$80.0 Rp 1.4M

$200 $200

-59.95%

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

$6.56 Rp 118.1K

$58.0 $58.0

-88.68%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$69.6 $69.6

-73.26%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$41.85 $41.85

29.32%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$14.07 $14.07

-69.79%

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

$493 Rp 8.9M

$1,239 $1,239

-60.24%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$21.1K $21.1K

-73.42%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$53.8 $53.8

-15.31%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$40.87 $40.87

-14.46%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$90.0 $90.0

-13.67%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$113 $113

-30.70%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,599 $1,599

-29.22%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,301 $1,301

-48.29%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,521 $2,521

43.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$2,457 $2,457

-30.73%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,483 $2,483

9.43%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,299 $2,299

-2.51%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.57

109.74%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Germantown, TN: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Germantown, TN

$1.3K 50.9% 93.4% $628

Groceries & Markets

Ubud, Bali

$287 21.2%

Germantown, TN

$396 15.5% 37.9% $109

Clothing & Footwear

Ubud, Bali

$107 7.9%

Germantown, TN

$134 5.2% 25.9% $28

Eating Out

Ubud, Bali

$106 7.9%

Germantown, TN

$310 12.1% 191% $204

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Germantown, TN

$327 12.8% 211% $222

Sport & Entertainment

Ubud, Bali

$63 4.6%

Germantown, TN

$70 2.7% 11.8% $7.4

Getting Around

Ubud, Bali

$12 0.9%

Germantown, TN

$20 * 0.8% 59.3% $7.4

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,599 in Germantown, TN. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $74.0 in Germantown, TN for a mid-range dinner for two. Groceries echo the gap at $287 vs $396 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Germantown, TN

🕒 Local time

16:13 4:13 PM

03:13 3:13 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

39,240

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 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 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Germantown, TN 16,110 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Germantown, TN

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 Germantown, TN: Cost of Living - Frequently Asked Questions

Ubud, Bali and Germantown, TN differ by about 89% in total monthly costs ($1,353 vs $2,559 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,030 in Ubud, Bali and $3,838 in Germantown, TN 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: $1,131 in Ubud, Bali versus $1,599 in Germantown, TN. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 38% higher in Germantown, TN. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,353 per month in Ubud, Bali versus $2,559 in Germantown, TN – a 89% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $2,559 in Germantown, TN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Germantown, TN. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Germantown, TN 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 Ubud, Bali gentler on the wallet – expenses run 89% less than in Germantown, TN. Beyond cost, consider language, visa policies, and how big the international community is in each city.