Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Hazard, KY

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,596 in Hazard, KY, rent and utilities included – about $15,200 less a year. Rent and utilities account for about half of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
125

Cost of Living Index in Hazard, KY
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Hazard, KY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Hazard, KY

🇺🇸 United States

$2,596

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Hazard, KY

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,596 in Hazard, KY.

Ubud, Bali $1,331
Hazard, KY $2,596

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,872 in Hazard, KY.

Ubud, Bali $2,255
Hazard, KY $3,872

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $5,149 in Hazard, KY.

Ubud, Bali $3,180
Hazard, KY $5,149

Living in Ubud, Bali costs roughly 49% less than in Hazard, KY, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Hazard, KY is 92% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$21.10 $21.10

-83.98%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$102 $102

-65.86%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$11.13 $11.13

-49.96%

Cappuccino

$2.62 Rp 47.6K

$5.97 $5.97

-56.11%

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

$1.54 Rp 27.9K

$1.96 $1.96

-21.43%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.02 $1.02

-37.25%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$6.98 $6.98

-61.75%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$9.57 $9.57

-55.49%

Milk (1 liter)

$1.46 Rp 26.5K

$1.08 $1.08

35.19%

White Bread (500g)

$2.29 Rp 41.6K

$4.48 $4.48

-48.88%

Rice (white) (1kg)

$1.11 Rp 20.1K

$4.25 $4.25

-73.88%

Eggs

$2.10 Rp 38.1K

$3.56 $3.56

-41.01%

Local Cheese (1kg)

$15.94 Rp 289.4K

$16.81 $16.81

-5.18%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$4.97 $4.97

-21.93%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$13.01 $13.01

-12.38%

Apples (1kg)

$3.55 Rp 64.5K

$4.23 $4.23

-16.08%

Banana (1kg)

$1.54 Rp 27.9K

$1.28 $1.28

20.31%

Oranges (1kg)

$2.23 Rp 40.5K

$4.04 $4.04

-44.80%

Tomato (1kg)

$1.97 Rp 35.8K

$4.75 $4.75

-58.53%

Potato (1kg)

$1.86 Rp 33.7K

$2.36 $2.36

-21.19%

Onion (1kg)

$2.42 Rp 43.9K

$2.83 $2.83

-14.49%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.49 $2.49

-59.04%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$2.06 $2.06

-74.76%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.92 $3.92

-43.88%

Wine (Bottle)

$21.79 Rp 395.6K

$15.16 $15.16

43.73%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.80 $1.80

29.44%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$5.29 $5.29

-43.86%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$2.23 $2.23

-88.79%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$52.1 $52.1

-84.30%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$2.82 $2.82

-84.40%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$3.17 $3.17

-85.17%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$35.44 $35.44

-84.20%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.05 $1.05

-20.95%

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

$24.4K Rp 443.8M

$28.1K $28.1K

-12.85%

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

$31.7K Rp 575.5M

$26.0K $26.0K

22.13%

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

$77.5 Rp 1.4M

$183 $183

-57.70%

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

$6.14 Rp 111.6K

$49.09 $49.09

-87.49%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$99.3 $99.3

-80.95%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$38.12 $38.12

33.76%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$4.38 Rp 79.6K

$11.60 $11.60

-62.24%

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

$492 Rp 8.9M

$2,532 $2,532

-80.55%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$32.0K $32.0K

-61.80%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$62.6 $62.6

-27.88%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$49.08 $49.08

-28.91%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$103 $103

-23.87%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$144 $144

-45.80%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$1,568 $1,568

-31.28%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$1,255 $1,255

-47.02%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$2,577 $2,577

36.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$2,096 $2,096

-20.29%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$2,942 $2,942

-20.45%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,010 $2,010

11.25%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.25

120.48%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Hazard, KY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Hazard, KY

$1.3K 48.4% 88.8% $590

Groceries & Markets

Ubud, Bali

$279 21%

Hazard, KY

$367 14.2% 31.4% $88

Clothing & Footwear

Ubud, Bali

$106 8%

Hazard, KY

$161 6.2% 51.7% $55

Eating Out

Ubud, Bali

$106 8%

Hazard, KY

$340 13.1% 221% $234

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Hazard, KY

$332 12.8% 223% $229

Sport & Entertainment

Ubud, Bali

$60 4.5%

Hazard, KY

$61 2.4% 2.6% $1.6

Getting Around

Ubud, Bali

$12 0.9%

Hazard, KY

$80 3.1% 566% $68

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,568 in Hazard, KY. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $102 in Hazard, KY for a mid-range dinner for two. Groceries echo the gap at $279 vs $367 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Hazard, KY

🕒 Local time

06:16 6:16 AM

17:16 5:16 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

5,000

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

1 USD = 0.888 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 November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

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

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Hazard, KY 16,320 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Hazard, KY

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 Hazard, KY: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $2,596 in Hazard, KY, so Ubud, Bali is about 49% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $3,894 in Hazard, KY 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: $1,078 in Ubud, Bali versus $1,568 in Hazard, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $102 in Hazard, KY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $2,596 in Hazard, KY – Ubud, Bali is about 49% cheaper, which adds up to real savings over time.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 49% less than in Hazard, KY. Beyond cost, consider language, visa policies, and how big the international community is in each city.