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 $1,408 per month in Ubud, Bali vs $864 in Matagalpa, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,292 in Matagalpa, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $1,720 in Matagalpa, rent included.

Ubud, Bali costs about 63% more than Matagalpa, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Matagalpa is 35% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$4.92 NIO 180

-29.88%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$25.19 NIO 923

28.38%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$7.15 NIO 262

-32.31%

Cappuccino

$2.75 Rp 49.4K

$2.34 NIO 85.8

17.52%

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

$1.38 Rp 24.9K

$0.78 NIO 28.54

76.92%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.43 NIO 15.82

74.42%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$1.18 NIO 43.27

153.39%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$1.98 NIO 72.4

94.44%

Milk (1 liter)

$1.74 Rp 31.2K

$1.16 NIO 42.35

50.00%

White Bread (500g)

$2.46 Rp 44.2K

$1.54 NIO 56.3

59.74%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.56 NIO 57.2

-25.00%

Eggs

$2.43 Rp 43.7K

$2.23 NIO 81.8

8.97%

Local Cheese (1kg)

$14.50 Rp 260.6K

$1.96 NIO 71.8

639.80%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$4.30 NIO 157

1.16%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$6.68 NIO 245

79.34%

Apples (1kg)

$3.72 Rp 66.8K

$3.83 NIO 140

-2.87%

Banana (1kg)

$1.63 Rp 29.2K

$0.89 NIO 32.59

83.15%

Oranges (1kg)

$2.74 Rp 49.3K

$1.76 NIO 64.3

55.68%

Tomato (1kg)

$2.24 Rp 40.3K

$2.28 NIO 83.5

-1.75%

Potato (1kg)

$1.92 Rp 34.5K

$1.12 NIO 41.15

71.43%

Onion (1kg)

$2.28 Rp 40.9K

$2.24 NIO 82.1

1.79%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.73 NIO 26.79

45.21%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.02 NIO 37.38

-29.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$2.73 NIO 100.0

20.51%

Wine (Bottle)

$23.19 Rp 416.8K

$10.06 NIO 369

130.52%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.21 NIO 44.37

129.75%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$2.28 NIO 83.4

19.74%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.45 NIO 16.63

-40.00%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$0.86 NIO 31.55

-44.19%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.93 NIO 34.01

-54.84%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$6.67 NIO 244

-6.75%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.35 NIO 49.60

-40.00%

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

$26.6K Rp 478.2M

$23.2K NIO 851.5K

14.46%

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

$32.2K Rp 578.5M

$26.6K NIO 975.3K

20.87%

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

$78.4 Rp 1.4M

$53.4 NIO 1,956

46.72%

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

$4.07 Rp 73.1K

$16.87 NIO 618

-75.87%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$36.28 NIO 1,329

-32.94%

Gym Membership (Monthly)

$98.6 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

Cinema Ticket

$3.99 Rp 71.6K

$8.08 NIO 296

-50.62%

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

$305 Rp 5.5M

$101 NIO 3,697

202.19%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$6,054 NIO 221.7K

9.71%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$77.5 NIO 2,838

-30.12%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$73.4 NIO 2,688

-48.48%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$133 NIO 4,867

-34.66%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$107 NIO 3,910

-28.48%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$155 NIO 5,675

540.10%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$264 NIO 9,669

154.80%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$556 NIO 20.4K

506.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$381 NIO 14.0K

437.75%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$99.0 NIO 3,626

68.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

10.25

29.56%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Matagalpa: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $155 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 69% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $32.00 in Ubud, Bali versus $25.00 in Matagalpa. Monthly groceries follow the same trend: $297 vs $186 – 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: $1,408 in Ubud, Bali, $864 in Matagalpa – roughly 63% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $1,295 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 $32.00 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 60% 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 $864, than in Ubud, Bali at $1,408. 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 $864 in Matagalpa to $1,408 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.