Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Kitwe

For one person, living is cheaper in Kitwe: $186 a month against $1,331 in Ubud, Bali, rent and utilities included – about $13,700 less a year. Rent and utilities account for most of the difference.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Kitwe

🇿🇲 Zambia

$186

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $186 in Kitwe, rent included.

Ubud, Bali $1,331
Kitwe $186

A couple spends around $2,255 per month in Ubud, Bali vs $1,228 in Kitwe, rent included.

Ubud, Bali $2,255
Kitwe $1,228

A family of three spends $3,180 per month in Ubud, Bali vs $2,270 in Kitwe, rent included.

Ubud, Bali $3,180
Kitwe $2,270

Ubud, Bali costs about 617% more than Kitwe, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Kitwe are more affordable than the global median – Ubud, Bali 2% lower, Kitwe 86% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

Cappuccino

$2.62 Rp 47.5K

$2.56 ZMW 51.9

2.34%

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

$1.54 Rp 27.9K

$0.58 ZMW 11.71

165.52%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.76 ZMW 15.42

-15.79%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$2.02 ZMW 40.98

32.18%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$2.46 ZMW 49.76

73.17%

Milk (1 liter)

$1.46 Rp 26.5K

White Bread (500g)

$2.29 Rp 41.6K

$1.02 ZMW 20.58

124.51%

Rice (white) (1kg)

$1.11 Rp 20.1K

Eggs

$2.10 Rp 38.1K

Local Cheese (1kg)

$15.94 Rp 289.2K

Chicken Fillets (1kg)

$3.88 Rp 70.4K

Beef Round Steak (1kg)

$11.40 Rp 206.8K

Apples (1kg)

$3.55 Rp 64.4K

Banana (1kg)

$1.54 Rp 27.9K

Oranges (1kg)

$2.23 Rp 40.5K

Tomato (1kg)

$1.97 Rp 35.8K

Potato (1kg)

$1.86 Rp 33.7K

Onion (1kg)

$2.42 Rp 43.9K

Lettuce (1 head)

$1.02 Rp 18.6K

Water (1.5 liter bottle)

$0.52 Rp 9,475

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.48 ZMW 50.3

-11.29%

Wine (Bottle)

$21.79 Rp 395.2K

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.13 ZMW 22.83

106.19%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$0.98 ZMW 19.93

203.06%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.42 ZMW 28.72

-41.55%

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

$24.4K Rp 443.5M

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

$31.7K Rp 575.0M

$30.4K ZMW 615.0K

4.37%

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

$77.5 Rp 1.4M

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

$6.14 Rp 111.5K

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$102 ZMW 2,056

-81.36%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$15.11 ZMW 306

237.46%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

Cinema Ticket

$4.38 Rp 79.5K

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

$492 Rp 8.9M

$609 ZMW 12.3K

-19.12%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$11.9K ZMW 241.7K

2.41%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

Men's Leather Business Shoes

$77.9 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$1,205 ZMW 24.4K

-10.60%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$2,451 ZMW 49.6K

43.22%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$2,010 ZMW 40.7K

-16.87%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-61.72%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Kitwe: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Kitwe

–

Groceries & Markets

Ubud, Bali

$279 21%

Kitwe

–

Clothing & Footwear

Ubud, Bali

$106 8%

Kitwe

–

Eating Out

Ubud, Bali

$106 8%

Kitwe

–

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Kitwe

–

Sport & Entertainment

Ubud, Bali

$60 4.5%

Kitwe

–

Getting Around

Ubud, Bali

$12 0.9%

Kitwe

–

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $1,205 in Kitwe. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Good to know

🇮🇩 Ubud, Bali

🇿🇲 Kitwe

🕒 Local time

02:14 2:14 AM

20:14 8:14 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

522,092

💱 Currency

Indonesian Rupiah IDR Rp

Zambian Kwacha ZMW ZK

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 ZMW = 4.94 USD

100 ZMW = 4.41 EUR

Exchange rates and currency converter

ZMW, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,309 IDR (100,000 IDR = 4.92 EUR).

Zambian Kwacha exchange rates as of November 3, 2026: 1 USD = 20.25 ZMW (100 ZMW = 4.94 USD). 1 EUR = 22.67 ZMW (100 ZMW = 4.41 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kitwe 9,480 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Kitwe

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 Kitwe: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,331 in Ubud, Bali, $186 in Kitwe – Kitwe comes out roughly 86% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $278 in Kitwe. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,078 there versus $1,205 in Kitwe.

Kindergarten costs $492 per month in Ubud, Bali and $609 in Kitwe. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $186 in Kitwe. That makes Kitwe about 86% cheaper.

A $1,200 monthly budget goes further in Kitwe, where all-in costs run around $186, than in Ubud, Bali at $1,331. In Kitwe 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 $186 in Kitwe to $1,331 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.