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

Monthly Cost of Living

A single person spends $1,419 per month in Ubud, Bali vs $752 in Loja, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $1,104 in Loja, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $1,456 in Loja, rent included.

Ubud, Bali costs about 89% more than Loja, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Loja is 44% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$2.96 $2.96

20.27%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$19.63 $19.63

66.73%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$7.17 $7.17

-30.96%

Cappuccino

$2.71 Rp 48.4K

$1.85 $1.85

46.49%

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

$1.34 Rp 24.0K

$0.65 $0.65

106.15%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.46 $0.46

52.17%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$0.98 $0.98

197.96%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.02 $2.02

96.04%

Milk (1 liter)

$1.81 Rp 32.3K

$1.03 $1.03

75.73%

White Bread (500g)

$2.52 Rp 45.0K

$1.34 $1.34

88.06%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.57 $1.57

-26.11%

Eggs

$2.46 Rp 43.9K

$1.87 $1.87

31.55%

Local Cheese (1kg)

$14.71 Rp 262.7K

$5.60 $5.60

162.68%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$4.56 $4.56

-5.26%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$6.17 $6.17

96.76%

Apples (1kg)

$3.84 Rp 68.6K

$1.37 $1.37

180.29%

Banana (1kg)

$1.56 Rp 27.8K

$0.96 $0.96

62.50%

Oranges (1kg)

$2.83 Rp 50.6K

$0.97 $0.97

191.75%

Tomato (1kg)

$2.33 Rp 41.5K

$1.08 $1.08

115.74%

Potato (1kg)

$1.91 Rp 34.2K

$0.80 $0.80

138.75%

Onion (1kg)

$2.20 Rp 39.3K

$0.82 $0.82

168.29%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.47 $0.47

114.89%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$1.07 $1.07

-27.10%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$5.92 $5.92

-43.92%

Wine (Bottle)

$23.74 Rp 423.9K

$7.08 $7.08

235.31%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.49 $1.49

87.25%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$2.85 $2.85

0.35%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.29 $0.29

-6.90%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$39.70 $39.70

-79.77%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$0.67 $0.67

-31.34%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.97 $0.97

-53.61%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$13.24 $13.24

-53.93%

Gasoline (1 liter)

$0.79 Rp 14.2K

$0.63 $0.63

25.40%

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

$26.1K Rp 467.0M

$14.8K $14.8K

77.16%

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

$32.1K Rp 573.6M

$29.1K $29.1K

10.35%

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

$79.9 Rp 1.4M

$20.16 $20.16

296.53%

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

$4.06 Rp 72.6K

$10.38 $10.38

-60.89%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$28.38 $28.38

-17.12%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$34.36 $34.36

187.25%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$14.47 $14.47

-54.18%

Cinema Ticket

$4.15 Rp 74.1K

$7.40 $7.40

-43.92%

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

$304 Rp 5.4M

$182 $182

67.08%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$2,030 $2,030

225.83%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$55.6 $55.6

-0.13%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$49.95 $49.95

-23.30%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$83.4 $83.4

6.25%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$65.3 $65.3

19.19%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$288 $288

249.10%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$232 $232

190.60%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$419 $419

722.30%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$329 $329

520.51%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$562 $562

405.11%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$498 $498

354.81%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$495 $495

-66.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

32.80%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Loja: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $288 in Loja. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 200% higher in Loja, 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 $33.00 in Ubud, Bali versus $20.00 in Loja. Monthly groceries follow the same trend: $302 vs $164 – making Loja the more affordable choice for daily food spending.

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 Loja: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,419 in Ubud, Bali, $752 in Loja – roughly 89% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $1,128 in Loja. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loja, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 394% less in Loja. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $304 per month in Ubud, Bali and $182 in Loja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Loja, where all-in costs run around $752, than in Ubud, Bali at $1,419. In Loja 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 $752 in Loja to $1,419 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Loja. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.