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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $1,336 in Koszalin.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $1,983 in Koszalin.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $2,629 in Koszalin.

Living in Ubud, Bali is roughly 5% more expensive than Koszalin, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Koszalin is 1% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$8.32 zł 30.41

-57.09%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$40.45 zł 148

-19.65%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.74 zł 31.94

-44.39%

Cappuccino

$2.75 Rp 49.2K

$3.19 zł 11.67

-13.79%

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

$1.32 Rp 23.7K

$1.76 zł 6.45

-25.00%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$1.39 zł 5.07

-49.64%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$4.17 zł 15.25

-30.22%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.19 zł 8.01

73.06%

Milk (1 liter)

$1.71 Rp 30.6K

$1.04 zł 3.80

64.42%

White Bread (500g)

$2.47 Rp 44.3K

$1.00 zł 3.65

147.00%

Rice (white) (1kg)

$1.20 Rp 21.5K

$0.84 zł 3.08

42.86%

Eggs

$2.44 Rp 43.8K

$3.09 zł 11.30

-21.04%

Local Cheese (1kg)

$14.38 Rp 257.7K

$8.74 zł 31.96

64.53%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$6.72 zł 24.55

-35.86%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$10.00 zł 36.56

22.10%

Apples (1kg)

$3.68 Rp 66.0K

$0.85 zł 3.09

332.94%

Banana (1kg)

$1.55 Rp 27.8K

$0.97 zł 3.55

59.79%

Oranges (1kg)

$2.79 Rp 49.9K

$1.94 zł 7.11

43.81%

Tomato (1kg)

$2.33 Rp 41.8K

$2.42 zł 8.84

-3.72%

Potato (1kg)

$1.97 Rp 35.3K

$0.66 zł 2.41

198.48%

Onion (1kg)

$2.31 Rp 41.4K

$0.77 zł 2.83

200.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.91 zł 3.33

16.48%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.49 zł 1.78

48.98%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$5.14 zł 18.77

-36.19%

Wine (Bottle)

$22.79 Rp 408.4K

$6.96 zł 25.45

227.44%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$0.92 zł 3.37

205.43%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$1.39 zł 5.07

100.00%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$1.07 zł 3.93

-72.90%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$29.14 zł 107

-72.34%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$2.19 zł 8.00

-79.45%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.62 zł 2.28

-27.42%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$9.30 zł 33.98

-32.90%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.69 zł 6.19

-49.70%

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

$26.0K Rp 465.4M

$32.0K zł 117.0K

-18.82%

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

$31.7K Rp 567.2M

$30.0K zł 109.6K

5.57%

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

$80.8 Rp 1.4M

$313 zł 1,146

-74.24%

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

$4.06 Rp 72.7K

$11.05 zł 40.37

-63.26%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$13.51 zł 49.39

80.75%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$36.71 zł 134

166.06%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$19.40 zł 70.9

-66.75%

Cinema Ticket

$4.04 Rp 72.4K

$6.88 zł 25.15

-41.28%

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

$304 Rp 5.4M

$378 zł 1,381

-19.52%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$7,705 zł 28.2K

-14.07%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$86.4 zł 316

-37.20%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$41.43 zł 151

-6.40%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$84.4 zł 309

2.03%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$87.3 zł 319

-12.18%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$672 zł 2,457

46.61%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$407 zł 1,489

61.50%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$1,066 zł 3,898

215.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$829 zł 3,030

149.19%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$2,274 zł 8,310

20.58%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$1,308 zł 4,780

-87.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.9

92.46%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Koszalin: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $672 in Koszalin. Housing cost is often the main lever when comparing two cities.

Koszalin pays 700% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $40.00 in Koszalin. Groceries flip the comparison at $297 vs $190, with Koszalin cheaper for home cooking.

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 Koszalin: Cost of Living - Frequently Asked Questions

Koszalin is cheaper overall, especially in Groceries & Markets, Sport & Entertainment, Monthly Utilities & Internet. The 5% gap adds up to real monthly savings that compound significantly over time.

On paper, Koszalin earns 700% less. 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: $986 in Ubud, Bali versus $672 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 56% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Koszalin – a meal for two runs $40.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,336 in Koszalin versus $1,404 in Ubud, Bali, a $1,500 budget is realistic in Koszalin but tight or insufficient in Ubud, Bali. The gap between the two cities makes Koszalin the clear choice for anyone on this budget.

For families, Koszalin is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Koszalin 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 Koszalin gentler on the wallet – expenses run 5% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.