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

Monthly Cost of Living

A single person spends $1,404 per month in Ubud, Bali vs $1,395 in Kartuzy, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $2,059 in Kartuzy, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $2,723 in Kartuzy, rent included.

Ubud, Bali costs about 1% more than Kartuzy, driven mainly by Groceries & Markets.

Both Ubud, Bali and Kartuzy sit above the global median – Ubud, Bali by 4%, Kartuzy by 4%.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$8.66 zł 31.65

-58.78%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$41.61 zł 152

-21.89%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.36 zł 30.56

-41.87%

Cappuccino

$2.75 Rp 49.2K

$3.50 zł 12.80

-21.43%

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

$1.32 Rp 23.7K

$2.36 zł 8.62

-44.07%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$1.62 zł 5.91

-56.79%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$3.31 zł 12.10

-12.08%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$3.70 zł 13.52

2.43%

Milk (1 liter)

$1.71 Rp 30.6K

$1.03 zł 3.78

66.02%

White Bread (500g)

$2.47 Rp 44.3K

$1.34 zł 4.90

84.33%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.19 zł 4.35

0.84%

Eggs

$2.44 Rp 43.8K

$3.29 zł 12.03

-25.84%

Local Cheese (1kg)

$14.38 Rp 257.7K

$9.18 zł 33.55

56.64%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$6.44 zł 23.52

-33.07%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$10.81 zł 39.49

12.95%

Apples (1kg)

$3.68 Rp 66.0K

$1.05 zł 3.83

250.48%

Banana (1kg)

$1.55 Rp 27.8K

$1.81 zł 6.62

-14.36%

Oranges (1kg)

$2.79 Rp 49.9K

$1.74 zł 6.35

60.34%

Tomato (1kg)

$2.33 Rp 41.8K

$2.80 zł 10.24

-16.79%

Potato (1kg)

$1.97 Rp 35.3K

$0.90 zł 3.30

118.89%

Onion (1kg)

$2.31 Rp 41.4K

$1.14 zł 4.16

102.63%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.25 zł 4.56

-15.20%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.61 zł 2.24

19.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$4.95 zł 18.08

-33.74%

Wine (Bottle)

$22.79 Rp 408.4K

$7.11 zł 25.97

220.53%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.14 zł 4.17

146.49%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.60 zł 5.84

73.75%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$1.11 zł 4.05

-73.87%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$32.90 zł 120

-75.50%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$2.23 zł 8.15

-79.82%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.77 zł 2.83

-41.56%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$10.65 zł 38.91

-41.41%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.74 zł 6.36

-51.15%

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

$26.0K Rp 465.4M

$33.5K zł 122.5K

-22.48%

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

$31.7K Rp 567.2M

$30.5K zł 111.5K

3.74%

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

$80.8 Rp 1.4M

$272 zł 993

-70.28%

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

$4.06 Rp 72.7K

$8.74 zł 31.96

-53.55%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$16.44 zł 60.1

48.54%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$36.35 zł 133

168.69%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$19.30 zł 70.5

-66.58%

Cinema Ticket

$4.04 Rp 72.4K

$6.89 zł 25.17

-41.36%

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

$304 Rp 5.4M

$332 zł 1,214

-8.47%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$8,187 zł 29.9K

-19.13%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$90.1 zł 329

-39.84%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$35.62 zł 130

8.87%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$81.5 zł 298

5.64%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$94.3 zł 345

-18.70%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$645 zł 2,358

52.79%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$501 zł 1,831

31.34%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$966 zł 3,531

248.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$811 zł 2,966

154.58%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$3,143 zł 11.5K

-12.77%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$2,360 zł 8,628

-5.63%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$1,360 zł 4,971

-87.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.75

96.74%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Kartuzy: June 7, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $645 in Kartuzy. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 732% higher in Kartuzy, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $33.00 in Ubud, Bali versus $42.00 in Kartuzy. Groceries tell a different story – $297 in Ubud, Bali vs $211 in Kartuzy – so Kartuzy wins on supermarket bills even if dining out costs more.

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 Kartuzy: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 1% more than Kartuzy, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $2,092 in Kartuzy. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kartuzy, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $304 per month in Ubud, Bali and $332 in Kartuzy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 41% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Kartuzy, where all-in costs run around $1,395, than in Ubud, Bali at $1,404. In Kartuzy it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Kartuzy costs $1,395 versus $1,404 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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