Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Gummersbach

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,819 in Gummersbach, rent and utilities included – about $5,900 less a year. Other living expenses account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
87

Cost of Living Index in Gummersbach
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Gummersbach Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Gummersbach

🇩🇪 Germany

$1,819

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Gummersbach

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

A single person spends $1,331 per month in Ubud, Bali vs $1,819 in Gummersbach, rent included.

Ubud, Bali $1,331
Gummersbach $1,819

A couple spends around $2,255 per month in Ubud, Bali vs $2,756 in Gummersbach, rent included.

Ubud, Bali $2,255
Gummersbach $2,756

A family of three spends $3,180 per month in Ubud, Bali vs $3,693 in Gummersbach, rent included.

Ubud, Bali $3,180
Gummersbach $3,693

Ubud, Bali is about 27% cheaper than Gummersbach, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 2% below the global median, while Gummersbach is 35% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$16.63 €14.77

-79.68%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$68.2 €60.5

-49.16%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$9.60 €8.52

-41.98%

Cappuccino

$2.62 Rp 47.6K

$3.84 €3.41

-31.77%

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

$1.54 Rp 27.9K

$2.51 €2.23

-38.65%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.66 €1.47

-61.45%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$2.58 €2.29

3.49%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$3.01 €2.67

41.53%

Milk (1 liter)

$1.46 Rp 26.5K

$1.17 €1.04

24.79%

White Bread (500g)

$2.29 Rp 41.6K

$1.90 €1.69

20.53%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.83 €3.40

-71.02%

Eggs

$2.10 Rp 38.1K

$2.93 €2.60

-28.33%

Local Cheese (1kg)

$15.94 Rp 289.4K

$12.93 €11.49

23.28%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$11.30 €10.04

-65.66%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$23.12 €20.54

-50.69%

Apples (1kg)

$3.55 Rp 64.5K

$2.25 €2.00

57.78%

Banana (1kg)

$1.54 Rp 27.9K

$2.14 €1.90

-28.04%

Oranges (1kg)

$2.23 Rp 40.5K

$2.11 €1.87

5.69%

Tomato (1kg)

$1.97 Rp 35.8K

$4.11 €3.65

-52.07%

Potato (1kg)

$1.86 Rp 33.7K

$1.24 €1.10

50.00%

Onion (1kg)

$2.42 Rp 43.9K

$1.58 €1.40

53.16%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.74 €0.66

37.84%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$0.51 €0.46

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$9.84 €8.74

-77.64%

Wine (Bottle)

$21.79 Rp 395.6K

$6.57 €5.84

231.66%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.04 €0.92

124.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.63 €1.44

82.21%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$3.38 €3.01

-92.60%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$63.3 €56.2

-87.09%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$8.67 €7.70

-94.93%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$3.33 €2.96

-85.89%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$49.18 €43.68

-88.61%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.98 €1.75

-58.08%

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

$24.4K Rp 443.8M

$33.3K €29.6K

-26.63%

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

$31.7K Rp 575.5M

$36.9K €32.7K

-14.02%

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

$77.5 Rp 1.4M

$258 €229

-69.91%

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

$6.14 Rp 111.6K

$31.29 €27.80

-80.38%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$50.7 €45.07

-62.71%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$38.94 €34.59

30.95%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$26.06 €23.14

-29.97%

Cinema Ticket

$4.38 Rp 79.6K

$6.78 €6.02

-35.40%

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

$492 Rp 8.9M

$375 €333

31.32%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$16.8K €14.9K

-27.17%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$67.8 €60.2

-33.36%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$18.68 €16.59

86.78%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$86.6 €76.9

-9.56%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$70.3 €62.5

10.71%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$530 €470

103.50%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$659 €586

0.87%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$749 €666

368.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$1,152 €1,023

45.05%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$2,199 €1,953

6.41%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,928 €1,713

15.96%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,092 €1,858

-92.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.95

248.86%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Gummersbach: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Gummersbach

$659 36.2% 0.9% $5.7

Groceries & Markets

Ubud, Bali

$279 21%

Gummersbach

$313 17.2% 12% $34

Clothing & Footwear

Ubud, Bali

$106 8%

Gummersbach

$110 6% 3% $3.2

Eating Out

Ubud, Bali

$106 8%

Gummersbach

$244 13.4% 130% $138

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Gummersbach

$340 18.7% 231% $237

Sport & Entertainment

Ubud, Bali

$60 4.5%

Gummersbach

$53 2.9% 12.1% $7.3

Getting Around

Ubud, Bali

$12 0.9%

Gummersbach

$102 5.6% 755% $90

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $530 in Gummersbach. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Gummersbach are about 13 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35 in Ubud, Bali versus $68 in Gummersbach. Monthly groceries follow the same trend: $279 vs $313 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇩🇪 Gummersbach

🕒 Local time

22:54 10:54 PM

15:54 3:54 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

53,183

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

1 EUR = 1.13 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,353 IDR (100,000 IDR = 4.91 EUR).

Euro exchange rates as of November 4, 2026: 1 USD = 0.888 EUR (1 EUR = 1.13 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Gummersbach 11,980 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Gummersbach

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 Gummersbach: Cost of Living - Frequently Asked Questions

Gummersbach costs about 37% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $2,729 in Gummersbach. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Gummersbach, especially for central apartments: a one-bedroom in the center costs $530 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $35 in Ubud, Bali and $68 in Gummersbach. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $1,819 in Gummersbach. That makes Ubud, Bali about 27% cheaper.

$1,000 is a stretch for both – monthly costs hit $1,331 in Ubud, Bali and $1,819 in Gummersbach. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,331 in Ubud, Bali to $1,819 in Gummersbach. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Gummersbach makes more sense. Both are solid long-term options with distinct trade-offs.