Cost of Living Comparison Between Ubud, Bali and Loveland, CO Cost of Living Comparison Between Ubud, Bali and Loveland, CO

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $2,972 in Loveland, CO, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $4,056 in Loveland, CO, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $5,139 in Loveland, CO, rent included.

Ubud, Bali is about 53% cheaper than Loveland, CO, driven mainly by Eating Out.

Both Ubud, Bali and Loveland, CO sit above the global median – Ubud, Bali by 2%, Loveland, CO by 116%.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$20.55 $20.55

-83.60%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.4K

$86.0 $86.0

-55.12%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$13.19 $13.19

-58.15%

Cappuccino

$2.64 Rp 46.6K

$5.65 $5.65

-53.27%

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

$1.67 Rp 29.5K

$2.69 $2.69

-37.92%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$2.06 $2.06

-62.62%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

$5.99 $5.99

-56.09%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

$7.19 $7.19

-40.47%

Milk (1 liter)

$1.55 Rp 27.3K

$0.99 $0.99

56.57%

White Bread (500g)

$2.22 Rp 39.2K

$3.30 $3.30

-32.73%

Rice (white) (1kg)

$1.13 Rp 19.8K

$2.79 $2.79

-59.50%

Eggs

$2.09 Rp 36.8K

$4.27 $4.27

-51.05%

Local Cheese (1kg)

$17.39 Rp 306.7K

$11.14 $11.14

56.10%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$10.63 $10.63

-63.59%

Beef Round Steak (1kg)

$12.55 Rp 221.3K

$19.57 $19.57

-35.87%

Apples (1kg)

$3.62 Rp 63.8K

$5.28 $5.28

-31.44%

Banana (1kg)

$1.56 Rp 27.5K

$1.37 $1.37

13.87%

Oranges (1kg)

$2.35 Rp 41.5K

$4.48 $4.48

-47.54%

Tomato (1kg)

$2.06 Rp 36.2K

$4.64 $4.64

-55.60%

Potato (1kg)

$1.90 Rp 33.5K

$2.42 $2.42

-21.49%

Onion (1kg)

$2.34 Rp 41.2K

$2.60 $2.60

-10.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$2.37 $2.37

-56.54%

Water (1.5 liter bottle)

$0.55 Rp 9,781

$1.82 $1.82

-69.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$9.73 $9.73

-76.88%

Wine (Bottle)

$23.81 Rp 419.8K

$18.24 $18.24

30.54%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

$2.47 $2.47

-6.48%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

$2.63 $2.63

6.46%

One-way Ticket (Public Transport)

$0.27 Rp 4,803

$1.02 $1.02

-73.53%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

$29.63 $29.63

-70.77%

Taxi Start (Normal Tariff)

$0.48 Rp 8,490

$2.53 $2.53

-81.03%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,865

$1.41 $1.41

-68.09%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$24.60 $24.60

-76.75%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.03 $1.03

-26.21%

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

$24.5K Rp 431.7M

$25.4K $25.4K

-3.44%

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

$32.1K Rp 566.4M

$25.1K $25.1K

28.08%

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

$83.6 Rp 1.5M

$198 $198

-57.74%

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

$6.46 Rp 113.8K

$57.3 $57.3

-88.73%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.9K

$70.9 $70.9

-73.22%

Gym Membership (Monthly)

$56.0 Rp 987.0K

$32.84 $32.84

70.43%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.3K

Cinema Ticket

$4.28 Rp 75.5K

$11.89 $11.89

-64.00%

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

$487 Rp 8.6M

$1,307 $1,307

-62.76%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.3M

$12.6K $12.6K

-53.70%

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.3K

$59.5 $59.5

-23.45%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.5K

$56.7 $56.7

-35.78%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$79.8 $79.8

2.68%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$114 $114

-29.23%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$1,702 $1,702

-34.41%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$1,619 $1,619

-56.71%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

$2,584 $2,584

36.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

$2,233 $2,233

-21.08%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$4,285 $4,285

-96.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.14

124.43%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Loveland, CO: August 30, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $1,702 in Loveland, CO. 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 2424% higher in Loveland, CO, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $86.0 in Loveland, CO. Monthly groceries follow the same trend: $293 vs $390 – making Ubud, Bali 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 Loveland, CO: Cost of Living - Frequently Asked Questions

Loveland, CO costs about 113% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $4,458 in Loveland, CO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $1,396 in Ubud, Bali and $2,972 in Loveland, CO. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 242% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,396, than in Loveland, CO at $2,972. In Ubud, Bali it covers expenses comfortably, while in Loveland, CO it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,396 versus $2,972 in Loveland, CO. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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