Cost of Living Comparison Between Ubud, Bali and Jinotega Cost of Living Comparison Between Ubud, Bali and Jinotega

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $508 in Jinotega.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $814 in Jinotega.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,119 in Jinotega.

Living in Ubud, Bali is roughly 174% more expensive than in Jinotega, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Jinotega is 62% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$3.55 NIO 130

0.56%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$15.92 NIO 583

103.02%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$4.16 NIO 152

20.43%

Cappuccino

$2.82 Rp 51.0K

$1.16 NIO 42.35

143.10%

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

$1.35 Rp 24.4K

$0.63 NIO 23.25

114.29%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.54 NIO 19.61

35.19%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.26 NIO 46.29

132.54%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$1.85 NIO 67.9

112.97%

Milk (1 liter)

$1.78 Rp 32.1K

$0.86 NIO 31.62

106.98%

White Bread (500g)

$2.45 Rp 44.2K

$0.68 NIO 24.78

260.29%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.36 NIO 49.92

-15.44%

Eggs

$2.41 Rp 43.6K

$1.79 NIO 65.7

34.64%

Local Cheese (1kg)

$14.33 Rp 258.7K

$4.98 NIO 183

187.75%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$5.50 NIO 202

-23.82%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$8.27 NIO 303

45.83%

Apples (1kg)

$3.64 Rp 65.7K

$2.76 NIO 101

31.88%

Banana (1kg)

$1.57 Rp 28.3K

$1.03 NIO 37.65

52.43%

Oranges (1kg)

$2.79 Rp 50.3K

$2.39 NIO 87.5

16.74%

Tomato (1kg)

$2.24 Rp 40.5K

$1.80 NIO 66.1

24.44%

Potato (1kg)

$1.98 Rp 35.7K

$1.85 NIO 67.9

7.03%

Onion (1kg)

$2.28 Rp 41.1K

$1.54 NIO 56.4

48.05%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.75 NIO 27.34

40.00%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.82 NIO 29.89

-3.66%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.38 NIO 124

-5.62%

Wine (Bottle)

$23.49 Rp 424.1K

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

One-way Ticket (Public Transport)

$0.27 Rp 4,813

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$8.25 NIO 302

1.45%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$0.58 NIO 21.14

-22.41%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.58 NIO 21.41

-20.69%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

Gasoline (1 liter)

$0.86 Rp 15.6K

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

$26.6K Rp 480.0M

$20.8K NIO 761.4K

27.88%

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

$32.5K Rp 587.6M

$28.5K NIO 1.0M

14.28%

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

$79.0 Rp 1.4M

$27.64 NIO 1,012

185.89%

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

$4.09 Rp 73.9K

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$37.46 NIO 1,372

-36.33%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$15.61 NIO 572

532.80%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$4.01 Rp 72.3K

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

$297 Rp 5.4M

$49.88 NIO 1,827

495.91%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$61.0 NIO 2,232

-12.34%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$39.20 NIO 1,436

-2.78%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$79.0 NIO 2,892

12.26%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$53.3 NIO 1,951

43.86%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$98.5 NIO 3,606

935.70%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$79.7 NIO 2,917

754.06%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$180 NIO 6,584

1829.67%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$152 NIO 5,563

1275.89%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

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

Last update for Ubud, Bali: July 28, 2026

Last update for Jinotega: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $98.5 in Jinotega. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $16.00 in Jinotega for a mid-range dinner for two. Groceries echo the gap at $298 vs $155 per month, with Jinotega cheaper across the board.

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 Jinotega: Cost of Living - Frequently Asked Questions

Jinotega is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Getting Around. The 174% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,088 in Ubud, Bali and $762 in Jinotega 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: $1,020 in Ubud, Bali versus $98.5 in Jinotega. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Jinotega – a meal for two runs $16.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,392 per month in Ubud, Bali versus $508 in Jinotega – a 174% gap that adds up to real savings over time for anyone picking the cheaper option.

At $508 in Jinotega versus $1,392 in Ubud, Bali, a $1,500 budget is realistic in Jinotega but tight or insufficient in Ubud, Bali. The gap between the two cities makes Jinotega the clear choice for anyone on this budget.

For families, Jinotega is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Jinotega 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 Jinotega gentler on the wallet – expenses run 174% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.