Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ludza

For one person, living is cheaper in Ludza: $955 a month against $1,353 in Ubud, Bali, rent and utilities included – about $4,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
46

Cost of Living Index in Ludza
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Ludza Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Ludza

🇱🇻 Latvia

$955

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $955 in Ludza, rent included.

Ubud, Bali $1,353
Ludza $955

A couple spends around $2,297 per month in Ubud, Bali vs $1,505 in Ludza, rent included.

Ubud, Bali $2,297
Ludza $1,505

A family of three spends $3,241 per month in Ubud, Bali vs $2,055 in Ludza, rent included.

Ubud, Bali $3,241
Ludza $2,055

Ubud, Bali costs about 42% more than Ludza, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 0% above the global median, while Ludza is 30% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$7.89 €7.02

-59.06%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$68.2 €60.7

-48.89%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$9.45 €8.40

-39.68%

Cappuccino

$2.62 Rp 47.1K

$3.62 €3.22

-27.62%

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

$1.72 Rp 31.0K

$1.58 €1.40

8.86%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.15 €1.03

-29.57%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$5.53 €4.91

-52.08%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.12 €4.55

-14.65%

Milk (1 liter)

$1.57 Rp 28.3K

$1.20 €1.07

30.83%

White Bread (500g)

$2.19 Rp 39.5K

$1.50 €1.33

46.00%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.41 €2.14

-51.04%

Eggs

$2.16 Rp 38.8K

$3.73 €3.32

-42.09%

Local Cheese (1kg)

$17.65 Rp 317.7K

$10.67 €9.49

65.42%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$8.72 €7.76

-56.65%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$13.98 €12.44

-14.52%

Apples (1kg)

$3.60 Rp 64.8K

$0.67 €0.60

437.31%

Banana (1kg)

$1.59 Rp 28.6K

$1.45 €1.29

9.66%

Oranges (1kg)

$2.31 Rp 41.6K

$1.79 €1.59

29.05%

Tomato (1kg)

$1.91 Rp 34.3K

$3.24 €2.88

-41.05%

Potato (1kg)

$1.78 Rp 32.1K

$0.83 €0.74

114.46%

Onion (1kg)

$2.33 Rp 41.9K

$0.90 €0.80

158.89%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.69 €1.51

-40.83%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.90 €0.80

-41.11%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$6.78 €6.03

-66.22%

Wine (Bottle)

$22.07 Rp 397.3K

$7.92 €7.04

178.66%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.97 €1.75

19.29%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.07 €1.84

43.96%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$2.28 €2.03

-89.91%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.32 €2.95

-85.84%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.01 €0.90

-57.43%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$17.39 €15.47

-68.55%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.86 €1.66

-55.38%

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

$23.9K Rp 429.8M

$27.2K €24.2K

-12.15%

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

$32.8K Rp 590.1M

$30.7K €27.3K

6.72%

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

$80.0 Rp 1.4M

$285 €253

-71.91%

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

$6.56 Rp 118.1K

$19.76 €17.57

-66.80%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$19.92 €17.72

-6.63%

Gym Membership (Monthly)

$54.1 Rp 974.1K

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$11.29 €10.04

-62.36%

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

$493 Rp 8.9M

$675 €601

-27.04%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$18.0K €16.0K

-68.92%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$69.0 €61.4

-33.97%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$49.26 €43.82

-29.03%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$77.6 €69.0

0.13%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$139 €124

-43.71%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$620 €551

-73.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.77

188.89%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Ludza: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Ludza

- * 0% 100%

Groceries & Markets

Ubud, Bali

$287 21.2%

Ludza

$256 26.8% 10.8% $31

Clothing & Footwear

Ubud, Bali

$107 7.9%

Ludza

$151 15.8% 41.7% $44

Eating Out

Ubud, Bali

$106 7.9%

Ludza

$184 19.2% 72.6% $77

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Ludza

$324 34% 209% $219

Sport & Entertainment

Ubud, Bali

$63 4.6%

Ludza

$23 * 2.4% 63.9% $40

Getting Around

Ubud, Bali

$12 0.9%

Ludza

$18 * 1.8% 40.9% $5.1

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries run about 272% higher in Ludza, 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 $35.00 in Ubud, Bali versus $68.0 in Ludza. Groceries tell a different story – $287 in Ubud, Bali vs $256 in Ludza – so Ludza wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇱🇻 Ludza

🕒 Local time

04:02 4:02 AM

23:02 11:02 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

8,500

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Ludza 10,650 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Ludza

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 Ludza: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 42%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,433 in Ludza. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $35.00 in Ubud, Bali and $68.0 in Ludza. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 12% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Ludza, where all-in costs run around $955, than in Ubud, Bali at $1,353. In Ludza it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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

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 Ludza. 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.