Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kumasi

For one person, living is cheaper in Kumasi: $495 a month against $1,349 in Ubud, Bali, rent and utilities included – about $10,200 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
24

Cost of Living Index in Kumasi
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Kumasi Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Kumasi

🇬🇭 Ghana

$495

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $495 in Kumasi, rent included.

Ubud, Bali $1,349
Kumasi $495

A couple spends around $2,305 per month in Ubud, Bali vs $816 in Kumasi, rent included.

Ubud, Bali $2,305
Kumasi $816

A family of three spends $3,261 per month in Ubud, Bali vs $1,137 in Kumasi, rent included.

Ubud, Bali $3,261
Kumasi $1,137

Ubud, Bali costs about 172% more than Kumasi, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$3.45 GHS 40.13

-3.77%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$33.93 GHS 395

5.04%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$10.33 GHS 120

-46.47%

Cappuccino

$2.72 Rp 49.3K

$1.09 GHS 12.70

149.54%

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

$1.70 Rp 30.9K

$0.71 GHS 8.32

139.44%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.27 GHS 3.17

181.48%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$0.93 GHS 10.80

184.95%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.71 GHS 19.91

156.14%

Milk (1 liter)

$1.49 Rp 27.0K

$1.79 GHS 20.89

-16.76%

White Bread (500g)

$2.28 Rp 41.3K

$1.61 GHS 18.73

41.61%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.69 GHS 19.72

-29.59%

Eggs

$2.04 Rp 36.9K

$2.39 GHS 27.85

-14.64%

Local Cheese (1kg)

$17.70 Rp 321.1K

$5.79 GHS 67.5

205.70%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$4.55 GHS 53.0

-12.97%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$4.79 GHS 55.8

154.49%

Apples (1kg)

$3.66 Rp 66.3K

$1.74 GHS 20.31

110.34%

Banana (1kg)

$1.52 Rp 27.5K

$0.88 GHS 10.31

72.73%

Oranges (1kg)

$2.23 Rp 40.4K

$0.88 GHS 10.29

153.41%

Tomato (1kg)

$1.97 Rp 35.8K

$2.16 GHS 25.21

-8.80%

Potato (1kg)

$1.85 Rp 33.5K

$1.73 GHS 20.16

6.94%

Onion (1kg)

$2.42 Rp 44.0K

$1.26 GHS 14.65

92.06%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.71 GHS 8.25

39.44%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.60 GHS 7.03

-15.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$0.84 GHS 9.80

164.29%

Wine (Bottle)

$22.24 Rp 403.4K

$1.32 GHS 15.39

1584.85%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.23 GHS 14.33

83.74%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.33 GHS 27.14

27.47%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.55 GHS 6.36

-54.55%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$20.62 GHS 240

-62.08%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.84 GHS 9.81

-47.62%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.32 GHS 15.34

-67.42%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$1.67 GHS 19.44

223.95%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.14 GHS 13.31

-28.07%

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

$23.8K Rp 432.4M

$8,015 GHS 93.4K

197.46%

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

$31.7K Rp 575.9M

$20.3K GHS 236.6K

56.31%

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

$79.1 Rp 1.4M

$43.47 GHS 506

81.87%

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

$6.45 Rp 116.9K

$19.28 GHS 225

-66.55%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$43.32 GHS 505

-57.11%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$29.97 GHS 349

65.10%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$13.11 GHS 153

-67.43%

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

$491 Rp 8.9M

$458 GHS 5,341

6.99%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$5,431 GHS 63.3K

4.48%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$14.26 GHS 166

213.04%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$18.46 GHS 215

89.33%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$36.90 GHS 430

116.53%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$52.3 GHS 609

51.83%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$415 GHS 4,840

-60.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

26.75

-48.49%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Kumasi: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Kumasi

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Kumasi

$164 33.2% 43% $124

Eating Out

Ubud, Bali

$108 8%

Kumasi

$84 16.9% 22.3% $24

Clothing & Footwear

Ubud, Bali

$108 8%

Kumasi

$55 11.1% 49% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Kumasi

$106 21.4% 1.9% $2

Sport & Entertainment

Ubud, Bali

$58 4.3%

Kumasi

$56 11.3% 3.2% $1.8

Getting Around

Ubud, Bali

$11 0.9%

Kumasi

$30 6.1% 165% $19

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries in Kumasi are about 2.5 times higher, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36 in Ubud, Bali versus $34 in Kumasi. Monthly groceries follow the same trend: $288 vs $164 – making Kumasi the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇬🇭 Kumasi

🕒 Local time

12:08 12:08 PM

04:08 4:08 AM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,517,000

💱 Currency

Indonesian Rupiah IDR Rp

Ghanaian Cedi GHS ₵

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

Exchange rates and currency converter

GHS, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Ghanaian Cedi exchange rates as of November 2, 2026: 1 USD = 11.65 GHS (100 GHS = 8.58 USD). 1 EUR = 13.01 GHS (100 GHS = 7.69 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kumasi 13,060 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Kumasi

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 Kumasi: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $495 in Kumasi – Kumasi comes out roughly 63% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $743 in Kumasi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 75% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $36 in Ubud, Bali and $34 in Kumasi. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,200 monthly budget goes further in Kumasi, where all-in costs run around $495, than in Ubud, Bali at $1,349. In Kumasi 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 $495 in Kumasi to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.