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

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,440 in Lomza.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,091 in Lomza.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,742 in Lomza.

Living in Ubud, Bali costs roughly 2% less than in Lomza, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Ubud, Bali 5% above, Lomza 8% above.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$9.52 zł 36.14

-63.76%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$40.42 zł 153

-19.99%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$7.99 zł 30.30

-39.42%

Cappuccino

$2.75 Rp 49.4K

$3.08 zł 11.69

-10.71%

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

$1.38 Rp 24.9K

$2.18 zł 8.28

-36.70%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$1.70 zł 6.45

-55.88%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.92 zł 11.06

2.40%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$3.58 zł 13.57

7.54%

Milk (1 liter)

$1.74 Rp 31.2K

$1.05 zł 3.97

65.71%

White Bread (500g)

$2.46 Rp 44.2K

$1.28 zł 4.86

92.19%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.59 zł 6.05

-26.42%

Eggs

$2.43 Rp 43.7K

$3.30 zł 12.51

-26.36%

Local Cheese (1kg)

$14.50 Rp 260.6K

$7.88 zł 29.92

84.01%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$6.29 zł 23.86

-30.84%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$9.95 zł 37.75

20.40%

Apples (1kg)

$3.72 Rp 66.8K

$1.14 zł 4.31

226.32%

Banana (1kg)

$1.63 Rp 29.2K

$1.54 zł 5.83

5.84%

Oranges (1kg)

$2.74 Rp 49.3K

$1.62 zł 6.15

69.14%

Tomato (1kg)

$2.24 Rp 40.3K

$2.49 zł 9.43

-10.04%

Potato (1kg)

$1.92 Rp 34.5K

$0.92 zł 3.48

108.70%

Onion (1kg)

$2.28 Rp 40.9K

$1.20 zł 4.56

90.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.30 zł 4.92

-18.46%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.61 zł 2.30

18.03%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$5.42 zł 20.55

-39.30%

Wine (Bottle)

$23.19 Rp 416.8K

$7.01 zł 26.61

230.81%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.01 zł 3.83

175.25%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.79 zł 6.81

52.51%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.07 zł 4.07

-74.77%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$32.04 zł 122

-74.69%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$2.12 zł 8.03

-77.36%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.83 zł 3.15

-49.40%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$10.53 zł 39.97

-40.93%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.78 zł 6.74

-54.49%

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

$26.6K Rp 478.2M

$34.5K zł 130.8K

-22.81%

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

$32.2K Rp 578.5M

$30.5K zł 115.9K

5.42%

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

$78.4 Rp 1.4M

$292 zł 1,107

-73.15%

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

$4.07 Rp 73.1K

$7.76 zł 29.43

-47.55%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$16.42 zł 62.3

48.17%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$36.88 zł 140

167.38%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$19.89 zł 75.5

-68.12%

Cinema Ticket

$3.99 Rp 71.6K

$8.91 zł 33.81

-55.22%

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

$305 Rp 5.5M

$516 zł 1,959

-40.91%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$4,860 zł 18.4K

36.67%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$91.3 zł 346

-40.70%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$44.90 zł 170

-15.79%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$101 zł 382

-13.66%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$124 zł 471

-38.56%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$648 zł 2,458

53.10%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$486 zł 1,845

38.36%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$965 zł 3,662

249.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$830 zł 3,149

147.03%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$3,430 zł 13.0K

-18.23%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$2,593 zł 9,837

-14.10%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.28

111.46%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Lomza: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $648 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $40.00 in Lomza. Groceries flip the comparison at $297 vs $202, with Lomza 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 Lomza: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Clothing & Footwear, Eating Out, Getting Around. The 2% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,112 in Ubud, Bali and $2,159 in Lomza to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $992 in Ubud, Bali versus $648 in Lomza. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 295% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $305 in Ubud, Bali versus $516 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,408 in Ubud, Bali versus $1,440 in Lomza, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Lomza. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Lomza 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 Ubud, Bali gentler on the wallet – expenses run 2% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.