Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Hamm

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,475 in Hamm, rent and utilities included – about $1,500 less a year. The total is higher in Hamm despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
71

Cost of Living Index in Hamm
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Hamm Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Hamm

🇩🇪 Germany

$1,475

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,475 in Hamm.

Ubud, Bali $1,349
Hamm $1,475

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,214 in Hamm.

Ubud, Bali $2,305
Hamm $2,214

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,954 in Hamm.

Ubud, Bali $3,261
Hamm $2,954

Living in Ubud, Bali costs roughly 9% less than in Hamm, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$13.36 €11.96

-75.15%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$67.1 €60.1

-46.89%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$17.82 €15.96

-68.97%

Cappuccino

$2.72 Rp 49.3K

$4.35 €3.89

-37.47%

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

$1.70 Rp 30.9K

$2.71 €2.42

-37.27%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.38 €2.13

-68.07%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.77 €2.48

-4.33%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$4.01 €3.59

9.23%

Milk (1 liter)

$1.49 Rp 27.0K

$1.25 €1.12

19.20%

White Bread (500g)

$2.28 Rp 41.3K

$2.02 €1.81

12.87%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.80 €3.40

-68.68%

Eggs

$2.04 Rp 36.9K

$3.39 €3.03

-39.82%

Local Cheese (1kg)

$17.70 Rp 321.1K

$14.53 €13.01

21.82%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$10.39 €9.31

-61.89%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$24.98 €22.37

-51.20%

Apples (1kg)

$3.66 Rp 66.3K

$3.42 €3.06

7.02%

Banana (1kg)

$1.52 Rp 27.5K

$2.24 €2.01

-32.14%

Oranges (1kg)

$2.23 Rp 40.4K

$2.30 €2.06

-3.04%

Tomato (1kg)

$1.97 Rp 35.8K

$4.15 €3.71

-52.53%

Potato (1kg)

$1.85 Rp 33.5K

$1.46 €1.31

26.71%

Onion (1kg)

$2.42 Rp 44.0K

$1.20 €1.08

101.67%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.79 €1.60

-44.69%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.06 €0.95

-51.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$8.95 €8.02

-75.20%

Wine (Bottle)

$22.24 Rp 403.4K

$6.55 €5.87

239.54%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.07 €0.96

111.21%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.40 €1.25

112.14%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$3.20 €2.87

-92.19%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$61.3 €54.9

-87.23%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$5.05 €4.52

-91.29%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$2.22 €1.99

-80.63%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$33.01 €29.56

-83.61%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.15 €1.93

-61.86%

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

$23.8K Rp 432.4M

$32.2K €28.9K

-26.01%

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

$31.7K Rp 575.9M

$37.3K €33.4K

-14.90%

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

$79.1 Rp 1.4M

$465 €416

-82.98%

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

$6.45 Rp 116.9K

$25.78 €23.08

-74.98%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$40.16 €35.96

-53.74%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$28.47 €25.50

73.80%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$13.25 €11.86

-67.77%

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

$491 Rp 8.9M

$169 €151

190.09%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$25.7K €23.0K

-77.92%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$97.9 €87.6

-54.38%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$48.25 €43.21

-27.56%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$111 €99.2

-27.89%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$197 €177

-59.77%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,082 €1,865

-92.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.96

247.98%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Hamm: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Hamm

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Hamm

$340 23.1% 18% $52

Eating Out

Ubud, Bali

$108 8%

Hamm

$255 17.3% 137% $147

Clothing & Footwear

Ubud, Bali

$108 8%

Hamm

$204 13.9% 90.2% $97

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Hamm

$531 36% 410% $426

Sport & Entertainment

Ubud, Bali

$58 4.3%

Hamm

$55 3.7% 5.3% $3.1

Getting Around

Ubud, Bali

$11 0.9%

Hamm

$90 6.1% 690% $79

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

Cost Breakdown

Hamm pays about 13 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $67 in Hamm for a mid-range dinner for two. Groceries echo the gap at $288 vs $340 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇩🇪 Hamm

🕒 Local time

17:33 5:33 PM

10:33 10:33 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

180,000

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 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 October 31, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 31, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Hamm 11,950 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Hamm

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 Hamm: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,475 in Hamm, so Ubud, Bali is about 9% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 92% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Childcare runs $491 in Ubud, Bali versus $169 in Hamm. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 18% higher in Hamm. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Hamm are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Hamm on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.