Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Masaya

For one person, living is cheaper in Masaya: $823 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
39

Cost of Living Index in Masaya
Learn more

Masaya Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Masaya

🇳🇮 Nicaragua

$823

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $823 in Masaya, rent included.

Ubud, Bali $1,349
Masaya $823

A couple spends around $2,305 per month in Ubud, Bali vs $1,283 in Masaya, rent included.

Ubud, Bali $2,305
Masaya $1,283

A family of three spends $3,261 per month in Ubud, Bali vs $1,744 in Masaya, rent included.

Ubud, Bali $3,261
Masaya $1,744

Ubud, Bali costs about 64% more than Masaya, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$9.92 NIO 363

-66.53%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$34.43 NIO 1,261

3.51%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$7.73 NIO 283

-28.46%

Cappuccino

$2.72 Rp 49.4K

$2.54 NIO 93.0

7.09%

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

$1.70 Rp 30.9K

$0.91 NIO 33.22

86.81%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.73 NIO 26.84

4.11%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.53 NIO 56.0

73.20%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$2.28 NIO 83.6

92.11%

Milk (1 liter)

$1.49 Rp 27.1K

$1.22 NIO 44.66

22.13%

White Bread (500g)

$2.28 Rp 41.4K

$2.40 NIO 87.8

-5.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.80 NIO 65.8

-33.89%

Eggs

$2.04 Rp 37.0K

$2.38 NIO 87.3

-14.29%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.43 NIO 419

54.86%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$6.35 NIO 233

-37.64%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$7.68 NIO 281

58.72%

Apples (1kg)

$3.66 Rp 66.4K

$3.95 NIO 145

-7.34%

Banana (1kg)

$1.52 Rp 27.6K

$0.57 NIO 21.03

166.67%

Oranges (1kg)

$2.23 Rp 40.5K

$1.84 NIO 67.3

21.20%

Tomato (1kg)

$1.97 Rp 35.9K

$2.51 NIO 92.0

-21.51%

Potato (1kg)

$1.85 Rp 33.6K

$3.91 NIO 143

-52.69%

Onion (1kg)

$2.42 Rp 44.1K

$2.24 NIO 82.0

8.04%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.09 NIO 39.98

-9.17%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.06 NIO 38.67

-51.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$2.80 NIO 103

-20.71%

Wine (Bottle)

$22.24 Rp 404.2K

$14.85 NIO 544

49.76%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.46 NIO 53.5

54.79%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.18 NIO 79.8

36.24%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.60 NIO 58.7

-72.50%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.59 NIO 58.2

-72.96%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$6.85 NIO 251

-21.02%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.38 NIO 50.5

-40.58%

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

$23.8K Rp 433.3M

$22.7K NIO 832.1K

4.94%

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

$31.7K Rp 577.0M

$26.4K NIO 966.7K

20.29%

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

$79.1 Rp 1.4M

$154 NIO 5,654

-48.78%

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

$6.45 Rp 117.2K

$19.83 NIO 726

-67.47%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$31.97 NIO 1,171

-41.88%

Gym Membership (Monthly)

$49.48 Rp 899.4K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.27 Rp 77.7K

$9.06 NIO 332

-52.87%

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

$491 Rp 8.9M

$240 NIO 8,800

104.15%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$5,987 NIO 219.3K

-5.22%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$59.7 NIO 2,184

-25.16%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$64.7 NIO 2,369

-45.97%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$123 NIO 4,504

-35.02%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$147 NIO 5,379

-45.92%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.92

15.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Masaya: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Masaya

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Masaya

$260 31.6% 10% $29

Eating Out

Ubud, Bali

$108 8%

Masaya

$152 18.5% 41% $44

Clothing & Footwear

Ubud, Bali

$108 8%

Masaya

$177 21.6% 65% $70

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Masaya

$206 25.1% 98.1% $102

Sport & Entertainment

Ubud, Bali

$58 4.3%

Masaya

$18 * 2.2% 68.8% $40

Getting Around

Ubud, Bali

$11 0.9%

Masaya

$9.5 * 1.2% 16.5% $1.9

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

Cost Breakdown

A mid-range dinner for two costs $36 in Ubud, Bali versus $34 in Masaya. Monthly groceries follow the same trend: $288 vs $260 – making Masaya the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇳🇮 Masaya

🕒 Local time

06:20 6:20 AM

16:20 4:20 PM

14 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

178,835

💱 Currency

Indonesian Rupiah IDR Rp

Nicaraguan Córdoba NIO C$

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

100 NIO = 2.73 USD

100 NIO = 2.45 EUR

Exchange rates and currency converter

NIO, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Nicaraguan Córdoba exchange rates as of October 28, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 40.77 NIO (100 NIO = 2.45 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Masaya 17,650 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Masaya

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 Masaya: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 64%, and outside of rent the gap shows up most in leisure.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,234 in Masaya. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $36 in Ubud, Bali and $34 in Masaya. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 11% more in Ubud, Bali, though the gap depends on what you buy.

A $1,000 monthly budget goes further in Masaya, where all-in costs run around $823, than in Ubud, Bali at $1,349. In Masaya it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $823 in Masaya to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.