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: $1,404 in Ubud, Bali versus $494 in Jinotega.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $789 in Jinotega.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,084 in Jinotega.

Living in Ubud, Bali is roughly 184% more expensive than Jinotega, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Jinotega is 63% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$3.53 NIO 129

1.13%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$16.14 NIO 591

101.36%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$4.16 NIO 152

16.83%

Cappuccino

$2.75 Rp 49.2K

$1.14 NIO 41.59

141.23%

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

$1.32 Rp 23.7K

$0.68 NIO 24.94

94.12%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.56 NIO 20.56

25.00%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.28 NIO 46.97

127.34%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$1.78 NIO 65.1

112.92%

Milk (1 liter)

$1.71 Rp 30.6K

$0.84 NIO 30.80

103.57%

White Bread (500g)

$2.47 Rp 44.3K

$0.68 NIO 25.05

263.24%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.35 NIO 49.38

-11.11%

Eggs

$2.44 Rp 43.8K

$1.78 NIO 65.0

37.08%

Local Cheese (1kg)

$14.38 Rp 257.7K

$4.78 NIO 175

200.84%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$5.59 NIO 205

-22.90%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$8.10 NIO 297

50.74%

Apples (1kg)

$3.68 Rp 66.0K

$2.80 NIO 103

31.43%

Banana (1kg)

$1.55 Rp 27.8K

$0.96 NIO 35.02

61.46%

Oranges (1kg)

$2.79 Rp 49.9K

$2.50 NIO 91.5

11.60%

Tomato (1kg)

$2.33 Rp 41.8K

$1.82 NIO 66.6

28.02%

Potato (1kg)

$1.97 Rp 35.3K

$1.84 NIO 67.3

7.07%

Onion (1kg)

$2.31 Rp 41.4K

$1.56 NIO 57.2

48.08%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.74 NIO 27.09

43.24%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.79 NIO 28.92

-7.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$3.37 NIO 124

-2.67%

Wine (Bottle)

$22.79 Rp 408.4K

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

One-way Ticket (Public Transport)

$0.29 Rp 5,217

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$8.42 NIO 309

-4.28%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$0.58 NIO 21.42

-22.41%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.54 NIO 19.66

-16.67%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

Gasoline (1 liter)

$0.85 Rp 15.2K

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

$26.0K Rp 465.4M

$20.6K NIO 755.6K

25.91%

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

$31.7K Rp 567.2M

$29.2K NIO 1.1M

8.55%

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

$80.8 Rp 1.4M

$27.66 NIO 1,013

191.94%

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

$4.06 Rp 72.7K

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$36.46 NIO 1,335

-33.02%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$15.64 NIO 573

524.49%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$4.04 Rp 72.4K

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

$304 Rp 5.4M

$49.27 NIO 1,805

517.07%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$59.3 NIO 2,172

-8.58%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$40.40 NIO 1,480

-4.01%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$79.4 NIO 2,906

8.54%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$54.0 NIO 1,977

42.06%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$99.8 NIO 3,654

887.97%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$80.0 NIO 2,931

722.23%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$178 NIO 6,514

1794.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$150 NIO 5,478

1281.29%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

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: June 9, 2026

Last update for Jinotega: June 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $99.8 in Jinotega. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $16.00 in Jinotega for a mid-range dinner for two. Groceries echo the gap at $297 vs $154 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 184% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,106 in Ubud, Bali and $741 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: $986 in Ubud, Bali versus $99.8 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,404 per month in Ubud, Bali versus $494 in Jinotega – a 184% gap that adds up to real savings over time for anyone picking the cheaper option.

At $494 in Jinotega versus $1,404 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 184% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.