Cost of Living Comparison Between Ubud, Bali and M'Sila Cost of Living Comparison Between Ubud, Bali and M'Sila

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $536 in M'Sila.

Estimated couple costs with rent: $2,582 in Ubud, Bali versus $845 in M'Sila.

Monthly costs for a family of three with rent: $3,757 in Ubud, Bali versus $1,154 in M'Sila.

Living in Ubud, Bali is roughly 163% more expensive than M'Sila, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, M'Sila is 60% below.

Meal at Budget Restaurant

$3.42 Rp 58.7K

$1.91 DZD 252

79.06%

Three-Course Dinner for Two, Mid-Range

$32.96 Rp 566.5K

$19.57 DZD 2,590

68.42%

Fast Food Meal (McDonalds, etc)

$5.08 Rp 87.3K

$3.83 DZD 507

32.64%

Cappuccino

$2.82 Rp 48.5K

$0.41 DZD 53.9

587.80%

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

$1.37 Rp 23.5K

$0.56 DZD 74.4

144.64%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$0.16 DZD 21.57

343.75%

Local Beer (0.5 liter draught)

$2.97 Rp 51.0K

$2.00 DZD 265

48.50%

Imported Beer (0.33 liter bottle)

$3.91 Rp 67.2K

$2.40 DZD 318

62.92%

Milk (1 liter)

$1.75 Rp 30.0K

$0.84 DZD 111

108.33%

White Bread (500g)

$2.52 Rp 43.2K

$0.11 DZD 14.75

2190.91%

Rice (white) (1kg)

$1.21 Rp 20.8K

$1.43 DZD 189

-15.38%

Eggs

$2.33 Rp 40.1K

$1.45 DZD 192

60.69%

Local Cheese (1kg)

$14.50 Rp 249.2K

$3.10 DZD 411

367.74%

Chicken Fillets (1kg)

$4.36 Rp 74.9K

$5.46 DZD 723

-20.15%

Beef Round Steak (1kg)

$12.05 Rp 207.0K

$9.36 DZD 1,239

28.74%

Apples (1kg)

$3.82 Rp 65.6K

$3.13 DZD 414

22.04%

Banana (1kg)

$1.61 Rp 27.7K

$2.79 DZD 369

-42.29%

Oranges (1kg)

$2.70 Rp 46.5K

$1.71 DZD 226

57.89%

Tomato (1kg)

$2.23 Rp 38.3K

$0.58 DZD 77.1

284.48%

Potato (1kg)

$1.90 Rp 32.6K

$0.53 DZD 69.9

258.49%

Onion (1kg)

$2.18 Rp 37.5K

$0.29 DZD 38.25

651.72%

Lettuce (1 head)

$1.03 Rp 17.7K

$0.13 DZD 17.26

692.31%

Water (1.5 liter bottle)

$0.77 Rp 13.3K

$0.30 DZD 39.92

156.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 54.7K

$2.73 DZD 361

16.48%

Wine (Bottle)

$23.23 Rp 399.2K

$7.08 DZD 937

228.11%

Local Beer (0.5 liter bottle)

$2.85 Rp 48.9K

$1.34 DZD 178

112.69%

Imported Beer (0.33 liter bottle)

$2.72 Rp 46.7K

$2.11 DZD 279

28.91%

One-way Ticket (Public Transport)

$0.29 Rp 5,022

$0.23 DZD 30.35

26.09%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

$17.27 DZD 2,285

-51.19%

Taxi Start (Normal Tariff)

$0.49 Rp 8,344

$0.67 DZD 88.3

-26.87%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,812

$0.36 DZD 47.72

25.00%

Taxi 1hour Waiting (Normal Tariff)

$6.28 Rp 107.8K

$5.40 DZD 715

16.30%

Gasoline (1 liter)

$0.85 Rp 14.6K

$0.35 DZD 46.79

142.86%

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

$26.1K Rp 447.8M

$36.0K DZD 4.8M

-27.56%

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

$31.5K Rp 541.8M

$33.8K DZD 4.5M

-6.61%

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

$79.8 Rp 1.4M

$24.52 DZD 3,245

225.33%

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

$4.09 Rp 70.3K

$7.69 DZD 1,017

-46.81%

Internet (50+ Mbps, Unlimited Data)

$24.06 Rp 413.6K

$17.91 DZD 2,370

34.34%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$23.35 DZD 3,090

311.95%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 112.2K

Cinema Ticket

$4.13 Rp 71.1K

$6.34 DZD 840

-34.86%

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

$297 Rp 5.1M

$92.8 DZD 12.3K

219.92%

International Primary School, 1 Child (Yearly)

$6,661 Rp 114.5M

$3,597 DZD 476.1K

85.16%

Jeans (Levis 501 Or Similar)

$55.0 Rp 944.5K

$36.87 DZD 4,880

49.06%

Summer Dress (H&M, Zara, etc)

$38.75 Rp 666.0K

$46.33 DZD 6,131

-16.36%

Sport Shoes (Adidas, Nike)

$89.6 Rp 1.5M

$75.0 DZD 9,924

19.50%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$76.9 DZD 10.2K

2.60%

1-bedroom Apartment, City Center (Monthly)

$1,018 Rp 17.5M

$194 DZD 25.7K

424.10%

1-bedroom Apartment, Outside City Center (Monthly)

$660 Rp 11.3M

$117 DZD 15.5K

463.07%

3-bedroom Apartment, City Center (Monthly)

$3,435 Rp 59.0M

$269 DZD 35.6K

1178.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,053 Rp 35.3M

$180 DZD 23.8K

1039.86%

Buy Apartment in City Center (m2)

$2,981 Rp 51.2M

$441 DZD 58.4K

575.83%

Buy Apartment Outside City Center (m2)

$2,368 Rp 40.7M

$654 DZD 86.6K

261.98%

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

$256 DZD 33.9K

-32.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.42

145.02%

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

Last update for Ubud, Bali: April 21, 2026

Last update for M'Sila: April 21, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,018 in Ubud, Bali and $194 in M'Sila. Housing cost is often the main lever when comparing two cities.

M'Sila pays 49% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33 in Ubud, Bali vs $20 in M'Sila for a mid-range dinner for two. Groceries echo the gap at $299 vs $159 per month, with M'Sila cheaper across the board.

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 M'Sila: Cost of Living - Frequently Asked Questions

M'Sila is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Monthly Utilities & Internet. The 163% gap adds up to real monthly savings that compound significantly over time.

On paper, M'Sila earns 49% less. 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: $1,018 in Ubud, Bali versus $194 in M'Sila. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in M'Sila runs roughly 105% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $297 in Ubud, Bali versus $92.8 in M'Sila. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $536 in M'Sila versus $1,408 in Ubud, Bali, a $1,500 budget is realistic in M'Sila but tight or insufficient in Ubud, Bali. The gap between the two cities makes M'Sila the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and M'Sila 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 M'Sila gentler on the wallet – expenses run 163% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.