Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Ho

For one person, living is cheaper in Ho: $682 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
33

Cost of Living Index in Ho
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Ho Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

🇬🇭 Ghana

$682

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $682 in Ho.

Ubud, Bali $1,331
Ho $682

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,152 in Ho.

Ubud, Bali $2,255
Ho $1,152

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $1,623 in Ho.

Ubud, Bali $3,180
Ho $1,623

Living in Ubud, Bali is roughly 95% more expensive than in Ho, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Ubud, Bali 2% lower, Ho 50% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$8.78 GHS 102

-61.50%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$52.4 GHS 609

-33.87%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$10.40 GHS 121

-46.44%

Cappuccino

$2.62 Rp 47.5K

$4.51 GHS 52.5

-41.91%

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

$1.54 Rp 27.9K

$1.57 GHS 18.25

-1.91%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.47 GHS 5.49

36.17%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.88 GHS 21.86

42.02%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$2.29 GHS 26.58

86.03%

Milk (1 liter)

$1.46 Rp 26.5K

$3.75 GHS 43.67

-61.07%

White Bread (500g)

$2.29 Rp 41.6K

$1.61 GHS 18.77

42.24%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.21 GHS 37.35

-65.42%

Eggs

$2.10 Rp 38.1K

$2.64 GHS 30.75

-20.45%

Local Cheese (1kg)

$15.94 Rp 289.2K

$12.23 GHS 142

30.34%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$7.12 GHS 82.9

-45.51%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$9.86 GHS 115

15.62%

Apples (1kg)

$3.55 Rp 64.4K

$3.75 GHS 43.57

-5.33%

Banana (1kg)

$1.54 Rp 27.9K

$1.44 GHS 16.80

6.94%

Oranges (1kg)

$2.23 Rp 40.5K

$1.84 GHS 21.40

21.20%

Tomato (1kg)

$1.97 Rp 35.8K

$3.68 GHS 42.80

-46.47%

Potato (1kg)

$1.86 Rp 33.7K

$2.79 GHS 32.40

-33.33%

Onion (1kg)

$2.42 Rp 43.9K

$2.73 GHS 31.76

-11.36%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.75 GHS 8.70

36.00%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.56 GHS 6.53

-7.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.60 GHS 30.27

-15.38%

Wine (Bottle)

$21.79 Rp 395.2K

$7.23 GHS 84.1

201.38%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.23 GHS 14.33

89.43%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.44 GHS 28.39

21.72%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$1.73 GHS 20.16

-74.57%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$1.26 GHS 14.62

-62.70%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$4.36 GHS 50.8

28.44%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.37 GHS 15.93

-39.42%

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

$24.4K Rp 443.5M

$7,998 GHS 93.0K

205.68%

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

$31.7K Rp 575.0M

$20.1K GHS 233.6K

57.82%

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

$77.5 Rp 1.4M

$72.4 GHS 842

6.97%

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

$6.14 Rp 111.5K

$19.22 GHS 224

-68.05%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$42.10 GHS 490

-55.06%

Gym Membership (Monthly)

$51.0 Rp 925.0K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

Cinema Ticket

$4.38 Rp 79.5K

$12.87 GHS 150

-65.97%

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

$492 Rp 8.9M

$462 GHS 5,369

6.67%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$18.6K GHS 216.8K

-34.45%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$14.27 GHS 166

216.47%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$18.98 GHS 221

83.83%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$37.07 GHS 431

111.28%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$52.5 GHS 610

48.47%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

26.75

-48.49%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Ho: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

- * 0% 100%

Groceries & Markets

Ubud, Bali

$279 21%

$281 41.3% 0.6% $1.7

Clothing & Footwear

Ubud, Bali

$106 8%

$55 8.1% 48% $51

Eating Out

Ubud, Bali

$106 8%

$178 26.1% 68.1% $72

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

$134 19.6% 30.4% $31

Sport & Entertainment

Ubud, Bali

$60 4.5%

$26 * 3.8% 56.9% $34

Getting Around

Ubud, Bali

$12 0.9%

$8 * 1.2% 32.9% $3.9

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

Cost Breakdown

Dining out: $35 in Ubud, Bali vs $52 in Ho for a mid-range dinner for two. Groceries echo the gap at $279 vs $281 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇭 Ho

🕒 Local time

03:19 3:19 AM

19:19 7:19 PM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

83,715

💱 Currency

Indonesian Rupiah IDR Rp

Ghanaian Cedi GHS ₵

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 GHS = 8.6 USD

100 GHS = 7.68 EUR

Exchange rates and currency converter

GHS, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,309 IDR (100,000 IDR = 4.92 EUR).

Ghanaian Cedi exchange rates as of November 3, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.02 GHS (100 GHS = 7.68 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ho 12,830 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Ho

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 Ho: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $682 in Ho, so Ho 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 $1,022 in Ho 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.

Childcare runs $492 in Ubud, Bali versus $462 in Ho. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $682 in Ho – Ho is about 49% cheaper, which adds up to real savings over time.

At $682 in Ho versus $1,331 in Ubud, Bali, a $1,200 budget is realistic in Ho but tight or insufficient in Ubud, Bali. The gap between the two cities makes Ho 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 Ho are both considered safe, so it’s unlikely to be the deciding factor between them.