Cost of Living Comparison Between Ubud, Bali and Matagalpa Cost of Living Comparison Between Ubud, Bali and Matagalpa

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $806 in Matagalpa, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $1,227 in Matagalpa, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $1,648 in Matagalpa, rent included.

Ubud, Bali costs about 73% more than Matagalpa, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Matagalpa is 41% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$7.06 NIO 259

-52.27%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$24.72 NIO 905

56.11%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$7.79 NIO 285

-29.14%

Cappuccino

$2.64 Rp 46.8K

$2.54 NIO 93.0

3.94%

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

$1.67 Rp 29.6K

$0.81 NIO 29.53

106.17%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.46 NIO 17.03

67.39%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

$1.19 NIO 43.46

121.01%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

$1.97 NIO 72.3

117.26%

Milk (1 liter)

$1.55 Rp 27.3K

$1.24 NIO 45.45

25.00%

White Bread (500g)

$2.22 Rp 39.3K

$1.28 NIO 46.77

73.44%

Rice (white) (1kg)

$1.13 Rp 19.9K

$1.70 NIO 62.4

-33.53%

Eggs

$2.09 Rp 36.9K

$2.33 NIO 85.3

-10.30%

Local Cheese (1kg)

$17.39 Rp 307.6K

$2.66 NIO 97.3

553.76%

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$4.13 NIO 151

-6.30%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$6.79 NIO 249

84.83%

Apples (1kg)

$3.62 Rp 63.9K

$3.62 NIO 133

Banana (1kg)

$1.56 Rp 27.6K

$0.59 NIO 21.47

164.41%

Oranges (1kg)

$2.35 Rp 41.6K

$1.77 NIO 64.7

32.77%

Tomato (1kg)

$2.06 Rp 36.4K

$2.18 NIO 79.8

-5.50%

Potato (1kg)

$1.90 Rp 33.6K

$3.94 NIO 144

-51.78%

Onion (1kg)

$2.34 Rp 41.3K

$2.25 NIO 82.6

4.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$1.00 NIO 36.78

3.00%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$1.08 NIO 39.45

-49.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$2.69 NIO 98.4

-16.36%

Wine (Bottle)

$23.81 Rp 421.0K

$9.90 NIO 363

140.51%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

$1.25 NIO 45.80

84.80%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

$2.25 NIO 82.6

24.44%

One-way Ticket (Public Transport)

$0.27 Rp 4,816

$0.23 NIO 8.24

17.39%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$1.08 NIO 39.59

-55.56%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$1.27 NIO 46.48

-64.57%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$6.60 NIO 242

-13.33%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.31 NIO 48.00

-41.98%

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

$24.5K Rp 433.0M

$22.7K NIO 829.7K

8.07%

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

$32.1K Rp 568.0M

$26.0K NIO 953.3K

23.40%

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

$83.6 Rp 1.5M

$60.3 NIO 2,209

38.51%

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

$6.46 Rp 114.2K

$17.06 NIO 625

-62.13%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$36.51 NIO 1,337

-47.99%

Gym Membership (Monthly)

$56.0 Rp 989.8K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

Cinema Ticket

$4.28 Rp 75.7K

$8.30 NIO 304

-48.43%

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

$487 Rp 8.6M

$237 NIO 8,676

105.38%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

$6,112 NIO 223.9K

-4.20%

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$71.4 NIO 2,615

-36.20%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$73.0 NIO 2,674

-50.17%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$135 NIO 4,948

-39.33%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$106 NIO 3,893

-24.36%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$197 NIO 7,226

465.94%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$177 NIO 6,486

295.87%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$306 NIO 11.2K

1056.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$251 NIO 9,192

602.17%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$200 NIO 7,336

-15.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

10.25

34.44%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Matagalpa: August 31, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $197 in Matagalpa. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 18% higher in Matagalpa, 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 $39.00 in Ubud, Bali versus $25.00 in Matagalpa. Monthly groceries follow the same trend: $293 vs $194 – making Matagalpa the more affordable choice for daily food spending.

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 Matagalpa: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,396 in Ubud, Bali, $806 in Matagalpa – roughly 73% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $1,209 in Matagalpa. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Matagalpa, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $39.00 in Ubud, Bali and $25.00 in Matagalpa. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 51% 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 $2,000 monthly budget goes further in Matagalpa, where all-in costs run around $806, than in Ubud, Bali at $1,396. In Matagalpa 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 $806 in Matagalpa to $1,396 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Matagalpa. 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.