Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Kartuzy

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,454 in Kartuzy, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
69

Cost of Living Index in Kartuzy
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Kartuzy Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Kartuzy

🇵🇱 Poland

$1,454

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $1,454 in Kartuzy, rent included.

Ubud, Bali $1,331
Kartuzy $1,454

A couple spends around $2,255 per month in Ubud, Bali vs $2,079 in Kartuzy, rent included.

Ubud, Bali $2,255
Kartuzy $2,079

A family of three spends $3,180 per month in Ubud, Bali vs $2,704 in Kartuzy, rent included.

Ubud, Bali $3,180
Kartuzy $2,704

Ubud, Bali is about 8% cheaper than Kartuzy, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 2% below the global median, while Kartuzy is 8% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.38 Rp 60.9K

$8.42 zł 32.99

-59.86%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 625.4K

$42.67 zł 167

-18.80%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.6K

$8.60 zł 33.73

-35.23%

Cappuccino

$2.62 Rp 47.3K

$3.47 zł 13.61

-24.50%

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

$1.54 Rp 27.8K

$2.17 zł 8.51

-29.03%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.57 zł 6.15

-59.24%

Local Beer (0.5 liter draught)

$2.67 Rp 48.1K

$3.48 zł 13.64

-23.28%

Imported Beer (0.33 liter bottle)

$4.26 Rp 76.9K

$3.88 zł 15.22

9.79%

Milk (1 liter)

$1.46 Rp 26.4K

$1.00 zł 3.90

46.00%

White Bread (500g)

$2.29 Rp 41.4K

$1.20 zł 4.71

90.83%

Rice (white) (1kg)

$1.11 Rp 20.0K

$1.16 zł 4.56

-4.31%

Eggs

$2.10 Rp 37.9K

$3.22 zł 12.63

-34.78%

Local Cheese (1kg)

$15.94 Rp 287.7K

$8.79 zł 34.47

81.34%

Chicken Fillets (1kg)

$3.88 Rp 70.1K

$6.26 zł 24.55

-38.02%

Beef Round Steak (1kg)

$11.40 Rp 205.8K

$11.89 zł 46.60

-4.12%

Apples (1kg)

$3.55 Rp 64.1K

$1.11 zł 4.35

219.82%

Banana (1kg)

$1.54 Rp 27.7K

$1.65 zł 6.47

-6.67%

Oranges (1kg)

$2.23 Rp 40.2K

$1.59 zł 6.23

40.25%

Tomato (1kg)

$1.97 Rp 35.6K

$2.76 zł 10.82

-28.62%

Potato (1kg)

$1.86 Rp 33.5K

$0.82 zł 3.22

126.83%

Onion (1kg)

$2.42 Rp 43.6K

$0.99 zł 3.87

144.44%

Lettuce (1 head)

$1.02 Rp 18.5K

$1.30 zł 5.10

-21.54%

Water (1.5 liter bottle)

$0.52 Rp 9,427

$0.61 zł 2.40

-14.75%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

$4.46 zł 17.50

-50.67%

Wine (Bottle)

$21.79 Rp 393.2K

$6.58 zł 25.81

231.16%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

$1.09 zł 4.28

113.76%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.6K

$1.54 zł 6.05

92.86%

One-way Ticket (Public Transport)

$0.25 Rp 4,519

$1.09 zł 4.26

-77.06%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.5K

$29.61 zł 116

-72.41%

Taxi Start (Normal Tariff)

$0.44 Rp 7,901

$2.02 zł 7.92

-78.22%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,446

$0.79 zł 3.10

-40.51%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.1K

$10.30 zł 40.38

-45.63%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.66 zł 6.52

-50.00%

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

$24.4K Rp 441.3M

$30.0K zł 117.4K

-18.39%

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

$31.7K Rp 572.1M

$28.2K zł 110.6K

12.36%

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

$77.5 Rp 1.4M

$288 zł 1,129

-73.10%

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

$6.14 Rp 110.9K

$8.49 zł 33.29

-27.68%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.4K

$17.46 zł 68.5

8.36%

Gym Membership (Monthly)

$51.0 Rp 920.4K

$38.58 zł 151

32.17%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.4K

$22.18 zł 86.9

-17.72%

Cinema Ticket

$4.38 Rp 79.1K

$7.71 zł 30.24

-43.19%

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

$492 Rp 8.9M

$369 zł 1,446

33.48%

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.6M

$8,042 zł 31.5K

51.97%

Jeans (Levis 501 Or Similar)

$45.16 Rp 815.1K

$81.3 zł 319

-44.45%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 629.7K

$37.71 zł 148

-7.48%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$89.6 zł 351

-12.59%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$101 zł 397

-23.14%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.4M

$602 zł 2,358

79.12%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$524 zł 2,056

26.79%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.4M

$965 zł 3,781

263.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$815 zł 3,195

105.02%

Buy Apartment in City Center (m2)

$2,340 Rp 42.2M

$2,880 zł 11.3K

-18.74%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.4M

$2,216 zł 8,685

0.93%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,246 zł 4,883

-86.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.74

104.45%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Kartuzy: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Kartuzy

$524 36.1% 21.1% $141

Groceries & Markets

Ubud, Bali

$279 21%

Kartuzy

$207 14.3% 25.9% $72

Clothing & Footwear

Ubud, Bali

$106 8%

Kartuzy

$139 9.6% 31.2% $33

Eating Out

Ubud, Bali

$106 8%

Kartuzy

$175 12% 65.4% $69

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Kartuzy

$314 21.6% 206% $211

Sport & Entertainment

Ubud, Bali

$60 4.5%

Kartuzy

$54 3.7% 9.6% $5.8

Getting Around

Ubud, Bali

$12 0.9%

Kartuzy

$40 2.8% 234% $28

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $602 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 in Kartuzy are about 7.5 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35 in Ubud, Bali versus $43 in Kartuzy. Groceries tell a different story – $279 in Ubud, Bali vs $207 in Kartuzy – so Kartuzy wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Kartuzy

🕒 Local time

20:54 8:54 PM

13:54 1:54 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

14,186

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.54 USD

100,000 IDR = 4.93 EUR

1 PLN = 0.255 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

PLN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,271 IDR (100,000 IDR = 4.93 EUR).

Polish Złoty exchange rates as of November 6, 2026: 1 USD = 3.92 PLN (1 PLN = 0.255 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Kartuzy 11,230 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Kartuzy

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 Kartuzy: Cost of Living - Frequently Asked Questions

Kartuzy costs about 9% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $2,181 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: a one-bedroom in the center costs $602 there versus $1,078 in Ubud, Bali.

Kindergarten costs $492 per month in Ubud, Bali and $369 in Kartuzy. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 26% cheaper in Kartuzy – one category where the pricier city actually offers better value.

$1,000 is a stretch for both – monthly costs hit $1,331 in Ubud, Bali and $1,454 in Kartuzy. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,331 in Ubud, Bali to $1,454 in Kartuzy. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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