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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $349 in Khoy.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $714 in Khoy.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $1,079 in Khoy.

Living in Ubud, Bali is roughly 292% more expensive than in Khoy, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Khoy is 74% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$1.83 $1.83

87.98%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$14.17 $14.17

156.25%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$4.27 $4.27

33.72%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.76 $0.76

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.38 $1.38

Cappuccino

$2.67 Rp 47.3K

$1.17 $1.17

128.21%

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

$1.75 Rp 31.0K

$0.53 $0.53

230.19%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.93 $0.93

-6.45%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

Milk (1 liter)

$1.62 Rp 28.7K

$0.68 $0.68

138.24%

White Bread (500g)

$2.33 Rp 41.3K

$0.46 $0.46

406.52%

Rice (white) (1kg)

$1.11 Rp 19.6K

$2.04 $2.04

-45.59%

Eggs

$2.20 Rp 39.0K

$1.20 $1.20

83.33%

Local Cheese (1kg)

$17.69 Rp 313.3K

$3.50 $3.50

405.43%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$3.56 $3.56

15.17%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$9.72 $9.72

25.31%

Apples (1kg)

$3.71 Rp 65.6K

$1.02 $1.02

263.73%

Banana (1kg)

$1.59 Rp 28.1K

$1.36 $1.36

16.91%

Oranges (1kg)

$2.28 Rp 40.4K

$1.18 $1.18

93.22%

Tomato (1kg)

$1.95 Rp 34.6K

$0.62 $0.62

214.52%

Potato (1kg)

$1.91 Rp 33.7K

$0.55 $0.55

247.27%

Onion (1kg)

$2.33 Rp 41.3K

$0.65 $0.65

258.46%

Lettuce (1 head)

$1.01 Rp 17.8K

$0.56 $0.56

80.36%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.27 $0.27

103.70%

Bottle of Non-Alcoholic Wine (Mid-Range)

$0.59 $0.59

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.52 $0.52

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.22 $1.22

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$2.33 $2.33

-4.29%

Wine (Bottle)

$23.07 Rp 408.6K

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.16 $0.16

68.75%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$7.43 $7.43

20.86%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.45 $0.45

6.67%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.30 $0.30

43.33%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$2.18 $2.18

158.72%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.09 $0.09

788.89%

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

$24.9K Rp 441.7M

$50.2K $50.2K

-50.36%

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

$31.7K Rp 561.5M

$43.0K $43.0K

-26.24%

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

$81.5 Rp 1.4M

$13.08 $13.08

522.78%

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

$6.49 Rp 115.0K

$2.16 $2.16

200.46%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$3.77 $3.77

397.88%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$17.89 $17.89

217.89%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$13.67 $13.67

37.02%

Cinema Ticket

$4.54 Rp 80.4K

$2.02 $2.02

124.75%

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

$481 Rp 8.5M

$114 $114

322.23%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$1,515 $1,515

276.98%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$21.66 $21.66

110.16%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$28.39 $28.39

26.38%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$102 $102

-21.45%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$27.12 $27.12

190.08%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$93.3 $93.3

1095.08%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$61.1 $61.1

1042.19%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$676 $676

438.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$340 $340

411.28%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$1,144 $1,144

143.49%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$571 $571

300.95%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$213 $213

-21.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

23.21

-40.63%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Khoy: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $93.3 in Khoy. Housing cost is often the main lever when comparing two cities.

Khoy pays 27% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $14.00 in Khoy for a mid-range dinner for two. Groceries echo the gap at $295 vs $111 per month, with Khoy 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 Khoy: Cost of Living - Frequently Asked Questions

Ubud, Bali and Khoy differ by about 292% in total monthly costs ($1,368 vs $349 including rent). Khoy is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 27% lower in Khoy. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,115 in Ubud, Bali versus $93.3 in Khoy. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Khoy – a meal for two runs $14.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $349 in Khoy – a 292% gap that adds up to real savings over time for anyone picking the cheaper option.

At $349 in Khoy versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Khoy but tight or insufficient in Ubud, Bali. The gap between the two cities makes Khoy the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Khoy 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 Khoy gentler on the wallet – expenses run 292% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.