Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Loja

For one person, living is cheaper in Loja: $681 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,000 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
33

Cost of Living Index in Loja
Learn more

Loja Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Loja

🇪🇨 Ecuador

$681

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $681 in Loja, rent included.

Ubud, Bali $1,349
Loja $681

A couple spends around $2,305 per month in Ubud, Bali vs $1,074 in Loja, rent included.

Ubud, Bali $2,305
Loja $1,074

A family of three spends $3,261 per month in Ubud, Bali vs $1,468 in Loja, rent included.

Ubud, Bali $3,261
Loja $1,468

Ubud, Bali costs about 98% more than Loja, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$3.05 $3.05

8.85%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$20.66 $20.66

72.51%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$5.61 $5.61

-1.43%

Cappuccino

$2.72 Rp 49.3K

$2.22 $2.22

22.52%

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

$1.70 Rp 30.9K

$0.78 $0.78

117.95%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.43 $0.43

76.74%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.22 $1.22

117.21%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$3.23 $3.23

35.60%

Milk (1 liter)

$1.49 Rp 27.1K

$1.02 $1.02

46.08%

White Bread (500g)

$2.28 Rp 41.3K

$1.48 $1.48

54.05%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.32 $1.32

-9.85%

Eggs

$2.04 Rp 36.9K

$1.92 $1.92

6.25%

Local Cheese (1kg)

$17.70 Rp 321.2K

$5.60 $5.60

216.07%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$4.29 $4.29

-7.69%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$6.07 $6.07

100.82%

Apples (1kg)

$3.66 Rp 66.3K

$1.69 $1.69

116.57%

Banana (1kg)

$1.52 Rp 27.5K

$1.09 $1.09

39.45%

Oranges (1kg)

$2.23 Rp 40.4K

$1.20 $1.20

85.83%

Tomato (1kg)

$1.97 Rp 35.8K

$1.12 $1.12

75.89%

Potato (1kg)

$1.85 Rp 33.5K

$1.06 $1.06

74.53%

Onion (1kg)

$2.42 Rp 44.0K

$1.03 $1.03

134.95%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.52 $0.52

90.38%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.11 $1.11

-54.05%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$5.23 $5.23

-57.55%

Wine (Bottle)

$22.24 Rp 403.6K

$6.82 $6.82

226.10%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.53 $1.53

47.71%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.93 $2.93

1.37%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$0.33 $0.33

-24.24%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$30.52 $30.52

-74.38%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$1.24 $1.24

-64.52%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$1.08 $1.08

-60.19%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$9.86 $9.86

-45.13%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.74 $0.74

10.81%

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

$23.8K Rp 432.6M

$15.0K $15.0K

58.45%

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

$31.7K Rp 576.1M

$28.5K $28.5K

11.33%

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

$79.1 Rp 1.4M

$19.98 $19.98

295.70%

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

$6.45 Rp 117.0K

$11.49 $11.49

-43.86%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$27.07 $27.07

-31.36%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$29.70 $29.70

66.60%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$15.03 $15.03

17.43%

Cinema Ticket

$4.27 Rp 77.6K

$7.26 $7.26

-41.18%

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

$491 Rp 8.9M

$180 $180

172.83%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$1,965 $1,965

188.72%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$52.8 $52.8

-15.41%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$47.86 $47.86

-26.97%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$79.9 $79.9

-0.04%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$73.1 $73.1

8.60%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$240 $240

369.45%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$172 $172

289.83%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$377 $377

844.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$315 $315

447.58%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$559 $559

388.59%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$324 $324

605.48%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$506 $506

-67.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.5

62.12%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Loja: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Loja

$172 25.3% 74.3% $499

Groceries & Markets

Ubud, Bali

$288 21.4%

Loja

$168 24.6% 41.9% $121

Eating Out

Ubud, Bali

$108 8%

Loja

$85 12.5% 20.8% $22

Clothing & Footwear

Ubud, Bali

$108 8%

Loja

$114 16.8% 6.2% $6.6

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Loja

$59 8.6% 43.8% $46

Sport & Entertainment

Ubud, Bali

$58 4.3%

Loja

$44 6.5% 23.8% $14

Getting Around

Ubud, Bali

$11 0.9%

Loja

$38 5.7% 237% $27

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $240 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 in Loja are about 3.1 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 $21 in Loja. Monthly groceries follow the same trend: $288 vs $168 – making Loja the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇪🇨 Loja

🕒 Local time

21:50 9:50 PM

08:50 8:50 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

180,617

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 USD = 0.896 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of November 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Loja 17,890 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Loja

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 Loja: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $681 in Loja – Loja comes out roughly 50% 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 $1,021 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: a one-bedroom in the center costs $240 there versus $1,125 in Ubud, Bali.

Public transport costs about 74% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $491 per month in Ubud, Bali and $180 in Loja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,200 monthly budget goes further in Loja, where all-in costs run around $681, than in Ubud, Bali at $1,349. In Loja it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Loja – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.