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: $1,374 in Ubud, Bali versus $1,547 in Lomza.

Estimated couple costs with rent: $2,313 in Ubud, Bali versus $2,190 in Lomza.

Monthly costs for a family of three with rent: $3,252 in Ubud, Bali versus $2,833 in Lomza.

Living in Ubud, Bali costs roughly 11% less than in Lomza, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 2% above, Lomza 15% above.

Meal at Budget Restaurant

$3.32 Rp 59.4K

$9.77 zł 37.61

-66.02%

Three-Course Dinner for Two, Mid-Range

$35.33 Rp 631.4K

$46.94 zł 181

-24.73%

Fast Food Meal (McDonalds, etc)

$5.33 Rp 95.3K

$8.89 zł 34.22

-40.04%

Cappuccino

$2.75 Rp 49.2K

$3.63 zł 13.97

-24.24%

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

$1.73 Rp 30.9K

$2.74 zł 10.55

-36.86%

Water (0.33 liter bottle)

$0.80 Rp 14.3K

$2.72 zł 10.49

-70.59%

Local Beer (0.5 liter draught)

$2.95 Rp 52.7K

$4.79 zł 18.46

-38.41%

Imported Beer (0.33 liter bottle)

$4.44 Rp 79.3K

$5.32 zł 20.49

-16.54%

Milk (1 liter)

$1.50 Rp 26.8K

$0.99 zł 3.81

51.52%

White Bread (500g)

$2.30 Rp 41.1K

$1.08 zł 4.16

112.96%

Rice (white) (1kg)

$1.10 Rp 19.6K

$1.41 zł 5.44

-21.99%

Eggs

$2.16 Rp 38.6K

$3.38 zł 13.02

-36.09%

Local Cheese (1kg)

$17.09 Rp 305.4K

$11.01 zł 42.41

55.22%

Chicken Fillets (1kg)

$3.88 Rp 69.3K

$7.15 zł 27.53

-45.73%

Beef Round Steak (1kg)

$11.92 Rp 213.0K

$11.77 zł 45.32

1.27%

Apples (1kg)

$3.57 Rp 63.7K

$1.22 zł 4.68

192.62%

Banana (1kg)

$1.58 Rp 28.3K

$1.70 zł 6.55

-7.06%

Oranges (1kg)

$2.36 Rp 42.2K

$2.33 zł 8.99

1.29%

Tomato (1kg)

$1.97 Rp 35.1K

$3.00 zł 11.55

-34.33%

Potato (1kg)

$1.81 Rp 32.3K

$0.86 zł 3.30

110.47%

Onion (1kg)

$2.39 Rp 42.7K

$0.93 zł 3.59

156.99%

Lettuce (1 head)

$1.02 Rp 18.2K

$1.41 zł 5.44

-27.66%

Water (1.5 liter bottle)

$0.49 Rp 8,782

$0.64 zł 2.45

-23.44%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 40.1K

$5.77 zł 22.24

-61.01%

Wine (Bottle)

$22.30 Rp 398.5K

$6.61 zł 25.45

237.37%

Local Beer (0.5 liter bottle)

$2.37 Rp 42.3K

$1.12 zł 4.31

111.61%

Imported Beer (0.33 liter bottle)

$2.90 Rp 51.7K

$1.73 zł 6.67

67.63%

One-way Ticket (Public Transport)

$0.25 Rp 4,452

$1.11 zł 4.28

-77.48%

Public Transport Monthly Pass (Regular Price)

$8.55 Rp 152.8K

$32.46 zł 125

-73.66%

Taxi Start (Normal Tariff)

$0.44 Rp 7,897

$1.63 zł 6.26

-73.01%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,547

$0.55 zł 2.12

-23.64%

Taxi 1hour Waiting (Normal Tariff)

$5.66 Rp 101.2K

$9.45 zł 36.39

-40.11%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.57 zł 6.06

-48.41%

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

$23.7K Rp 424.2M

$31.3K zł 120.5K

-24.10%

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

$31.0K Rp 553.6M

$27.6K zł 106.3K

12.19%

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

$82.3 Rp 1.5M

$321 zł 1,237

-74.38%

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

$6.30 Rp 112.6K

$8.66 zł 33.37

-27.25%

Internet (50+ Mbps, Unlimited Data)

$18.63 Rp 333.0K

$17.43 zł 67.1

6.88%

Gym Membership (Monthly)

$54.7 Rp 978.1K

$35.37 zł 136

54.74%

Tennis Court (1 Hour on Weekend)

$18.45 Rp 329.7K

$24.81 zł 95.6

-25.63%

Cinema Ticket

$4.24 Rp 75.8K

$7.88 zł 30.34

-46.19%

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

$484 Rp 8.7M

$525 zł 2,022

-7.78%

International Primary School, 1 Child (Yearly)

$5,590 Rp 99.9M

$10.6K zł 40.8K

-47.29%

Jeans (Levis 501 Or Similar)

$45.77 Rp 818.0K

$75.1 zł 289

-39.08%

Summer Dress (H&M, Zara, etc)

$35.69 Rp 637.9K

$41.61 zł 160

-14.23%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$90.6 zł 349

-13.59%

Men's Leather Business Shoes

$80.1 Rp 1.4M

$98.9 zł 381

-18.95%

1-bedroom Apartment, City Center (Monthly)

$1,147 Rp 20.5M

$610 zł 2,349

87.95%

1-bedroom Apartment, Outside City Center (Monthly)

$678 Rp 12.1M

$509 zł 1,960

33.22%

3-bedroom Apartment, City Center (Monthly)

$3,504 Rp 62.6M

$1,009 zł 3,886

247.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,688 Rp 30.2M

$834 zł 3,213

102.36%

Buy Apartment in City Center (m2)

$2,788 Rp 49.8M

$3,347 zł 12.9K

-16.69%

Buy Apartment Outside City Center (m2)

$2,257 Rp 40.3M

$2,406 zł 9,267

-6.21%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.87

100.58%

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

Last update for Ubud, Bali: September 28, 2026

Last update for Lomza: September 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,147 in Ubud, Bali and $610 in Lomza. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $47.00 in Lomza. Groceries flip the comparison at $286 vs $225, 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 Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 13% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,062 in Ubud, Bali and $2,320 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: $1,147 in Ubud, Bali versus $610 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 280% less than in Lomza. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $484 in Ubud, Bali versus $525 in Lomza. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,374 in Ubud, Bali versus $1,547 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 13% less than in Lomza. Beyond cost, consider language, visa policies, and how big the international community is in each city.