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: $1,368 in Ubud, Bali versus $485 in M'Sila.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $788 in M'Sila.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $1,092 in M'Sila.

Living in Ubud, Bali is roughly 182% more expensive than in M'Sila, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, M'Sila is 65% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$1.93 DZD 256

78.24%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.0K

$19.14 DZD 2,548

89.71%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$3.94 DZD 525

44.92%

Cappuccino

$2.67 Rp 47.4K

$0.40 DZD 53.7

567.50%

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

$1.75 Rp 31.0K

$0.56 DZD 74.5

212.50%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.18 DZD 24.04

383.33%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$2.29 DZD 304

28.82%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.1K

$2.27 DZD 303

99.12%

Milk (1 liter)

$1.62 Rp 28.7K

$0.87 DZD 115

86.21%

White Bread (500g)

$2.33 Rp 41.3K

$0.12 DZD 15.86

1841.67%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.14 DZD 152

-2.63%

Eggs

$2.20 Rp 39.0K

$1.38 DZD 184

59.42%

Local Cheese (1kg)

$17.69 Rp 313.8K

$3.07 DZD 408

476.22%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$4.18 DZD 556

-1.91%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$9.31 DZD 1,240

30.83%

Apples (1kg)

$3.71 Rp 65.7K

$2.19 DZD 291

69.41%

Banana (1kg)

$1.59 Rp 28.2K

$2.84 DZD 377

-44.01%

Oranges (1kg)

$2.28 Rp 40.5K

$1.12 DZD 149

103.57%

Tomato (1kg)

$1.95 Rp 34.6K

$0.58 DZD 77.0

236.21%

Potato (1kg)

$1.91 Rp 33.8K

$0.53 DZD 70.4

260.38%

Onion (1kg)

$2.33 Rp 41.3K

$0.29 DZD 38.03

703.45%

Lettuce (1 head)

$1.01 Rp 17.9K

$0.12 DZD 15.76

741.67%

Water (1.5 liter bottle)

$0.55 Rp 9,788

$0.28 DZD 37.47

96.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$2.78 DZD 370

-19.78%

Wine (Bottle)

$23.07 Rp 409.2K

$6.76 DZD 900

241.27%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.30 DZD 173

86.15%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$1.97 DZD 262

52.28%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

$0.15 DZD 19.93

80.00%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.3K

$5.64 DZD 750

59.22%

Taxi Start (Normal Tariff)

$0.48 Rp 8,580

$0.61 DZD 80.9

-21.31%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,691

$0.45 DZD 59.5

-4.44%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$5.89 DZD 784

-4.24%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.35 DZD 46.66

128.57%

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

$24.9K Rp 442.4M

$36.4K DZD 4.8M

-31.42%

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

$31.7K Rp 562.4M

$35.3K DZD 4.7M

-10.06%

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

$81.5 Rp 1.4M

$24.04 DZD 3,199

238.85%

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

$6.49 Rp 115.2K

$7.95 DZD 1,059

-18.36%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.9K

$12.51 DZD 1,665

50.04%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$20.85 DZD 2,775

172.76%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.2K

Cinema Ticket

$4.54 Rp 80.5K

$4.73 DZD 630

-4.02%

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

$481 Rp 8.5M

$118 DZD 15.7K

306.42%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$6,496 DZD 864.6K

-12.08%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.3K

$32.67 DZD 4,349

39.33%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.4K

$35.44 DZD 4,718

1.24%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$71.2 DZD 9,478

12.89%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$83.8 DZD 11.1K

-6.09%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$156 DZD 20.8K

612.30%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$112 DZD 14.9K

524.02%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$277 DZD 36.8K

1214.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$212 DZD 28.2K

719.64%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$1,288 DZD 171.5K

116.10%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$639 DZD 85.1K

258.11%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$253 DZD 33.6K

-33.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.3

160.00%

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

Last update for Ubud, Bali: September 14, 2026

Last update for M'Sila: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $156 in M'Sila. Housing cost is often the main lever when comparing two cities.

M'Sila pays 50% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $19.00 in M'Sila for a mid-range dinner for two. Groceries echo the gap at $295 vs $143 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, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 182% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 50% lower in M'Sila. 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: $1,115 in Ubud, Bali versus $156 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 59% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $481 in Ubud, Bali versus $118 in M'Sila. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $485 in M'Sila versus $1,368 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 182% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.