Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Jos

For one person, living is cheaper in Jos: $534 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,800 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
26

Cost of Living Index in Jos
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Jos Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Jos

🇳🇬 Nigeria

$534

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $534 in Jos, rent included.

Ubud, Bali $1,349
Jos $534

A couple spends around $2,305 per month in Ubud, Bali vs $1,097 in Jos, rent included.

Ubud, Bali $2,305
Jos $1,097

A family of three spends $3,261 per month in Ubud, Bali vs $1,661 in Jos, rent included.

Ubud, Bali $3,261
Jos $1,661

Ubud, Bali costs about 153% more than Jos, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$2.04 ₦2,729

62.75%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$30.16 ₦40.4K

18.17%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$3.97 ₦5,325

39.29%

Cappuccino

$2.72 Rp 49.4K

$3.25 ₦4,357

-16.31%

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

$1.70 Rp 30.9K

$0.43 ₦571

295.35%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.67 ₦896

13.43%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.02 ₦1,366

159.80%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$1.98 ₦2,658

121.21%

Milk (1 liter)

$1.49 Rp 27.1K

$3.70 ₦4,958

-59.73%

White Bread (500g)

$2.28 Rp 41.4K

$0.87 ₦1,171

162.07%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.19 ₦2,931

-45.66%

Eggs

$2.04 Rp 37.0K

$1.79 ₦2,397

13.97%

Local Cheese (1kg)

$17.70 Rp 321.7K

$9.95 ₦13.3K

77.89%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$5.02 ₦6,728

-21.12%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$4.02 ₦5,384

203.23%

Apples (1kg)

$3.66 Rp 66.4K

$2.00 ₦2,674

83.00%

Banana (1kg)

$1.52 Rp 27.6K

$1.45 ₦1,940

4.83%

Oranges (1kg)

$2.23 Rp 40.5K

$1.51 ₦2,025

47.68%

Tomato (1kg)

$1.97 Rp 35.9K

$2.27 ₦3,046

-13.22%

Potato (1kg)

$1.85 Rp 33.6K

$1.78 ₦2,390

3.93%

Onion (1kg)

$2.42 Rp 44.1K

$2.41 ₦3,229

0.41%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.59 ₦785

67.80%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.40 ₦534

27.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$1.95 ₦2,619

13.85%

Wine (Bottle)

$22.24 Rp 404.2K

$5.93 ₦7,949

275.04%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.20 ₦1,605

88.33%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.77 ₦2,371

67.80%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$0.58 ₦780

-24.14%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.87 ₦1,166

-50.57%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$1.83 ₦2,453

195.63%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.54 ₦723

51.85%

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

$23.8K Rp 433.3M

$25.7K ₦34.4M

-7.07%

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

$31.7K Rp 577.0M

$36.3K ₦48.6M

-12.45%

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

$79.1 Rp 1.4M

$100 ₦134.5K

-21.22%

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

$6.45 Rp 117.2K

$6.50 ₦8,712

-0.77%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$28.97 ₦38.8K

-35.86%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$39.52 ₦53.0K

25.20%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$12.03 ₦16.1K

46.72%

Cinema Ticket

$4.27 Rp 77.7K

$6.22 ₦8,331

-31.35%

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

$491 Rp 8.9M

$44.67 ₦59.9K

998.14%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$1,001 ₦1.3M

466.67%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$10.09 ₦13.5K

342.42%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$14.98 ₦20.1K

133.31%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$51.0 ₦68.3K

56.70%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$50.1 ₦67.1K

58.55%

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 64.8M

$554 ₦743.1K

542.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$483 ₦646.7K

257.16%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,030 ₦2.7M

34.58%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,485 ₦2.0M

53.86%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$102 ₦136.4K

61.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

22.5

-38.76%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Jos: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Jos

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Jos

$203 38.1% 29.5% $85

Eating Out

Ubud, Bali

$108 8%

Jos

$81 15.1% 25.1% $27

Clothing & Footwear

Ubud, Bali

$108 8%

Jos

$57 10.6% 47.2% $51

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Jos

$136 25.5% 30.5% $32

Sport & Entertainment

Ubud, Bali

$58 4.3%

Jos

$52 9.7% 10.5% $6.1

Getting Around

Ubud, Bali

$11 0.9%

Jos

$4.9 * 0.9% 56.8% $6.5

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

Cost Breakdown

Salaries run about 61% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $30 in Jos. Monthly groceries follow the same trend: $288 vs $203 – making Jos the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇳🇬 Jos

🕒 Local time

04:48 4:48 AM

21:48 9:48 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

900,000

💱 Currency

Indonesian Rupiah IDR Rp

Nigerian Naira NGN ₦

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

10,000 NGN = 7.46 USD

10,000 NGN = 6.7 EUR

Exchange rates and currency converter

NGN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Nigerian Naira exchange rates as of October 28, 2026: 1 USD = 1,340 NGN (10,000 NGN = 7.46 USD). 1 EUR = 1,492 NGN (10,000 NGN = 6.7 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

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

From you

Ubud, Bali
Jos

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 Jos: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $534 in Jos – Jos comes out roughly 60% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $800 in Jos. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $36 in Ubud, Bali and $30 in Jos. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 42% more in Ubud, Bali, though the gap depends on what you buy.

A $1,200 monthly budget goes further in Jos, where all-in costs run around $534, than in Ubud, Bali at $1,349. In Jos it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $534 in Jos to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Jos. If higher salaries or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.