Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Koszalin

For one person, living is cheaper in Koszalin: $1,285 a month against $1,349 in Ubud, Bali, rent and utilities included – about $770 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
62

Cost of Living Index in Koszalin
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Koszalin Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Koszalin

🇵🇱 Poland

$1,285

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,285 in Koszalin.

Ubud, Bali $1,349
Koszalin $1,285

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,906 in Koszalin.

Ubud, Bali $2,305
Koszalin $1,906

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,527 in Koszalin.

Ubud, Bali $3,261
Koszalin $2,527

Living in Ubud, Bali is roughly 5% more expensive than in Koszalin, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$8.34 zł 32.87

-60.19%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$38.69 zł 153

-7.88%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.79 zł 34.68

-37.09%

Cappuccino

$2.72 Rp 49.3K

$2.89 zł 11.39

-5.88%

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

$1.70 Rp 30.8K

$1.63 zł 6.41

4.29%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.25 zł 4.93

-39.20%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$3.88 zł 15.30

-31.70%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$2.59 zł 10.23

69.11%

Milk (1 liter)

$1.49 Rp 27.0K

$0.91 zł 3.60

63.74%

White Bread (500g)

$2.28 Rp 41.2K

$1.13 zł 4.45

101.77%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.79 zł 3.11

50.63%

Eggs

$2.04 Rp 36.9K

$2.87 zł 11.34

-28.92%

Local Cheese (1kg)

$17.70 Rp 320.8K

$8.58 zł 33.82

106.29%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$6.49 zł 25.59

-38.98%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$9.13 zł 35.99

33.52%

Apples (1kg)

$3.66 Rp 66.2K

$0.82 zł 3.22

346.34%

Banana (1kg)

$1.52 Rp 27.5K

$1.11 zł 4.39

36.94%

Oranges (1kg)

$2.23 Rp 40.4K

$1.75 zł 6.92

27.43%

Tomato (1kg)

$1.97 Rp 35.7K

$2.24 zł 8.82

-12.05%

Potato (1kg)

$1.85 Rp 33.5K

$0.60 zł 2.38

208.33%

Onion (1kg)

$2.42 Rp 43.9K

$0.79 zł 3.11

206.33%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.91 zł 3.59

8.79%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.53 zł 2.10

-3.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$4.82 zł 18.99

-53.94%

Wine (Bottle)

$22.24 Rp 403.0K

$6.16 zł 24.29

261.04%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.09 zł 4.29

107.34%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.38 zł 5.43

115.22%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$1.05 zł 4.12

-76.19%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$27.89 zł 110

-71.96%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$2.07 zł 8.16

-78.74%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.67 zł 2.65

-35.82%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$8.87 zł 34.98

-39.01%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.57 zł 6.20

-47.77%

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

$23.8K Rp 432.0M

$29.7K zł 117.1K

-19.70%

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

$31.7K Rp 575.3M

$27.8K zł 109.7K

14.15%

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

$79.1 Rp 1.4M

$292 zł 1,153

-72.96%

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

$6.45 Rp 116.8K

$10.32 zł 40.70

-37.50%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$17.17 zł 67.7

8.21%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$35.21 zł 139

40.53%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$7.81 zł 30.79

-45.33%

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

$491 Rp 8.9M

$522 zł 2,057

-5.97%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$7,944 zł 31.3K

-28.57%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$86.2 zł 340

-48.23%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$47.55 zł 187

-26.50%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$92.4 zł 364

-13.50%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$100 zł 395

-20.64%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$638 zł 2,514

76.45%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$382 zł 1,508

75.64%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,025 zł 4,042

247.71%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$747 zł 2,945

130.75%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,130 zł 8,398

28.26%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,234 zł 4,864

-86.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.67

106.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Koszalin: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Koszalin

$382 29.8% 43.1% $289

Groceries & Markets

Ubud, Bali

$288 21.4%

Koszalin

$184 14.3% 36.4% $105

Eating Out

Ubud, Bali

$108 8%

Koszalin

$164 12.8% 52.1% $56

Clothing & Footwear

Ubud, Bali

$108 8%

Koszalin

$147 11.4% 36.5% $39

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Koszalin

$320 24.9% 207% $216

Sport & Entertainment

Ubud, Bali

$58 4.3%

Koszalin

$51 4% 12.4% $7.2

Getting Around

Ubud, Bali

$11 0.9%

Koszalin

$38 2.9% 228% $26

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $638 in Koszalin. Housing cost is often the main lever when comparing two cities.

Koszalin pays about 7.5 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $39 in Koszalin. Groceries flip the comparison at $288 vs $184, with Koszalin cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Koszalin

🕒 Local time

14:41 2:41 PM

07:41 7:41 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

105,143

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 PLN = 0.254 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 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Polish Złoty exchange rates as of November 2, 2026: 1 USD = 3.94 PLN (1 PLN = 0.254 USD). 1 EUR = 4.4 PLN (1 PLN = 0.227 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Koszalin 11,360 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Koszalin

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 Koszalin: Cost of Living - Frequently Asked Questions

Koszalin is about 5% cheaper overall, especially in groceries and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 87% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $638 in Koszalin. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 57% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $39 in Koszalin. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,500 a month, though Koszalin gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Koszalin are both considered safe, so it’s unlikely to be the deciding factor between them.