Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Luoyang

For one person, living is cheaper in Luoyang: $660 a month against $1,368 in Ubud, Bali, rent and utilities included – about $8,500 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
32

Cost of Living Index in Luoyang
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Luoyang Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Luoyang

🇨🇳 China

$660

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $660 in Luoyang.

Ubud, Bali $1,368
Luoyang $660

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,066 in Luoyang.

Ubud, Bali $2,314
Luoyang $1,066

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,471 in Luoyang.

Ubud, Bali $3,260
Luoyang $1,471

Living in Ubud, Bali is roughly 107% more expensive than in Luoyang, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Luoyang is 51% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$3.67 ¥24.52

-9.26%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$29.73 ¥199

18.33%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$5.62 ¥37.58

3.20%

Cappuccino

$2.73 Rp 49.1K

$3.55 ¥23.74

-23.10%

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

$1.64 Rp 29.5K

$0.47 ¥3.15

248.94%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.27 ¥1.82

207.41%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$1.24 ¥8.26

117.74%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$2.92 ¥19.50

47.26%

Milk (1 liter)

$1.50 Rp 27.1K

$1.92 ¥12.86

-21.87%

White Bread (500g)

$2.30 Rp 41.4K

$2.30 ¥15.39

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.07 ¥7.17

10.28%

Eggs

$2.14 Rp 38.6K

$1.42 ¥9.49

50.70%

Local Cheese (1kg)

$17.48 Rp 314.6K

$13.60 ¥90.9

28.53%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$3.29 ¥21.99

22.49%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$9.11 ¥60.9

34.25%

Apples (1kg)

$3.55 Rp 63.9K

$0.93 ¥6.21

281.72%

Banana (1kg)

$1.57 Rp 28.3K

$1.34 ¥8.98

17.16%

Oranges (1kg)

$2.24 Rp 40.2K

$1.50 ¥10.02

49.33%

Tomato (1kg)

$1.93 Rp 34.7K

$1.33 ¥8.86

45.11%

Potato (1kg)

$1.88 Rp 33.9K

$0.75 ¥5.05

150.67%

Onion (1kg)

$2.29 Rp 41.3K

$0.89 ¥5.95

157.30%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.44 ¥2.93

125.00%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.80 ¥5.33

-33.75%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$1.69 ¥11.27

34.91%

Wine (Bottle)

$23.01 Rp 414.2K

$13.33 ¥89.1

72.62%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$0.47 ¥3.15

397.87%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.25 ¥15.06

29.33%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.29 ¥1.91

-17.24%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$18.21 ¥122

-51.57%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.18 ¥7.92

-59.32%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.35 ¥2.36

31.43%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$7.26 ¥48.57

-24.93%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.27 ¥8.46

-30.71%

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

$24.6K Rp 442.2M

$19.6K ¥131.2K

25.21%

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

$31.2K Rp 561.4M

$17.2K ¥115.3K

80.93%

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

$83.0 Rp 1.5M

$43.59 ¥291

90.43%

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

$6.45 Rp 116.0K

$6.03 ¥40.30

6.97%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$10.29 ¥68.8

80.47%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$22.19 ¥148

151.55%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$12.12 ¥81.0

49.42%

Cinema Ticket

$4.38 Rp 78.9K

$5.59 ¥37.35

-21.65%

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

$493 Rp 8.9M

$196 ¥1,310

151.54%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$18.7K ¥124.7K

-69.16%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$50.2 ¥336

-7.95%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$29.97 ¥200

17.88%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$64.4 ¥431

22.75%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$79.3 ¥531

-1.20%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$188 ¥1,256

508.03%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$129 ¥860

425.23%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$438 ¥2,930

699.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$224 ¥1,499

657.97%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$2,162 ¥14.5K

28.76%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,407 ¥9,408

59.22%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$628 ¥4,202

-73.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.45

209.66%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Luoyang: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Luoyang

$129 19.5% 81% $547

Groceries & Markets

Ubud, Bali

$290 21.2%

Luoyang

$211 32% 27.4% $79

Eating Out

Ubud, Bali

$109 8%

Luoyang

$104 15.7% 4.6% $5

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Luoyang

$60 9.1% 44.5% $48

Clothing & Footwear

Ubud, Bali

$108 7.9%

Luoyang

$101 15.3% 6.3% $6.8

Sport & Entertainment

Ubud, Bali

$65 4.7%

Luoyang

$33 5.1% 48.3% $31

Getting Around

Ubud, Bali

$13 0.9%

Luoyang

$22 3.4% 77.7% $9.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $188 in Luoyang. Housing cost is often the main lever when comparing two cities.

Luoyang pays 282% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $30.00 in Luoyang for a mid-range dinner for two. Groceries echo the gap at $290 vs $211 per month, with Luoyang cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇨🇳 Luoyang

🕒 Local time

17:17 5:17 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

1,926,000

💱 Currency

Indonesian Rupiah IDR Rp

Chinese Yuan CNY ¥

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 CNY = 0.15 USD

1 CNY = 0.133 EUR

Exchange rates and currency converter

CNY, USD, EUR 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).

Chinese Yuan exchange rates as of October 20, 2026: 1 USD = 6.69 CNY (1 CNY = 0.15 USD). 1 EUR = 7.52 CNY (1 CNY = 0.133 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Luoyang 4,800 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Luoyang

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 Luoyang: Cost of Living - Frequently Asked Questions

Luoyang wins on cost – living expenses run 107% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Luoyang the obvious pick if budget is a priority.

On paper, salaries run 282% lower in Luoyang. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,142 in Ubud, Bali versus $188 in Luoyang. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $196 in Luoyang. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 38% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $660 in Luoyang versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Luoyang but tight or insufficient in Ubud, Bali. The gap between the two cities makes Luoyang the clear choice for anyone on this budget.

Both work as nomad bases, but Luoyang delivers better value – similar infrastructure at $660 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Luoyang hard to pass up.

Safety-wise, Ubud, Bali and Luoyang 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 Luoyang gentler on the wallet – expenses run 107% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.