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

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,146 in Matsudo.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,863 in Matsudo.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,580 in Matsudo.

Living in Ubud, Bali is roughly 23% more expensive than in Matsudo, driven mainly by Getting Around.

The two cities straddle the global median: Ubud, Bali is 5% above, Matsudo is 14% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$7.13 ¥1,159

-51.61%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$34.59 ¥5,621

-6.50%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$5.31 ¥863

-8.85%

Cappuccino

$2.75 Rp 49.4K

$3.15 ¥512

-12.70%

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

$1.38 Rp 24.9K

$1.13 ¥183

22.12%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.80 ¥131

-6.25%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.04 ¥331

46.57%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.03 ¥331

89.66%

Milk (1 liter)

$1.74 Rp 31.2K

$1.55 ¥252

12.26%

White Bread (500g)

$2.46 Rp 44.2K

$1.69 ¥275

45.56%

Rice (white) (1kg)

$1.17 Rp 21.0K

$5.05 ¥820

-76.83%

Eggs

$2.43 Rp 43.7K

$1.58 ¥256

53.80%

Local Cheese (1kg)

$14.50 Rp 260.6K

$10.15 ¥1,649

42.86%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$6.41 ¥1,042

-32.14%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$15.24 ¥2,477

-21.39%

Apples (1kg)

$3.72 Rp 66.8K

$5.99 ¥973

-37.90%

Banana (1kg)

$1.63 Rp 29.2K

$3.17 ¥514

-48.58%

Oranges (1kg)

$2.74 Rp 49.3K

$3.97 ¥646

-30.98%

Tomato (1kg)

$2.24 Rp 40.3K

$4.61 ¥749

-51.41%

Potato (1kg)

$1.92 Rp 34.5K

$3.32 ¥540

-42.17%

Onion (1kg)

$2.28 Rp 40.9K

$3.57 ¥580

-36.13%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.34 ¥218

-20.90%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.83 ¥134

-13.25%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$4.28 ¥696

-23.13%

Wine (Bottle)

$23.19 Rp 416.8K

$9.46 ¥1,537

145.14%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.76 ¥286

57.95%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$2.10 ¥342

30.00%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.61 ¥261

-83.23%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$55.8 ¥9,062

-85.46%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$3.52 ¥573

-86.36%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$2.99 ¥485

-85.95%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$21.75 ¥3,534

-71.40%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.14 ¥185

-28.95%

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

$26.6K Rp 478.2M

$23.2K ¥3.8M

14.77%

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

$32.2K Rp 578.5M

$18.5K ¥3.0M

73.97%

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

$78.4 Rp 1.4M

$82.0 ¥13.3K

-4.47%

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

$4.07 Rp 73.1K

$27.63 ¥4,490

-85.27%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$17.47 ¥2,838

39.27%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$55.1 ¥8,945

79.10%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$13.93 ¥2,264

-54.49%

Cinema Ticket

$3.99 Rp 71.6K

$11.29 ¥1,834

-64.66%

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

$305 Rp 5.5M

$277 ¥45.0K

10.13%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$13.8K ¥2.2M

-51.85%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$41.38 ¥6,723

30.84%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$29.57 ¥4,804

27.87%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$60.6 ¥9,838

43.42%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$97.7 ¥15.9K

-21.81%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$476 ¥77.4K

108.29%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$332 ¥53.9K

102.66%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$857 ¥139.3K

293.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$659 ¥107.1K

210.92%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$4,109 ¥667.6K

-31.74%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$2,141 ¥347.9K

4.00%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,974 ¥320.7K

-91.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

2.05

547.80%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Matsudo: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $476 in Matsudo. Housing cost is often the main lever when comparing two cities.

Matsudo pays 1082% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $35.00 in Matsudo for a mid-range dinner for two. Groceries echo the gap at $297 vs $319 per month, with Ubud, Bali 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 Matsudo: Cost of Living - Frequently Asked Questions

Matsudo is cheaper overall, especially in Clothing & Footwear, Sport & Entertainment. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1082% lower in Matsudo. 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: $992 in Ubud, Bali versus $476 in Matsudo. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Matsudo runs roughly 588% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $305 in Ubud, Bali versus $277 in Matsudo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,146 in Matsudo versus $1,408 in Ubud, Bali, a $1,500 budget is realistic in Matsudo but tight or insufficient in Ubud, Bali. The gap between the two cities makes Matsudo the clear choice for anyone on this budget.

For families, Matsudo 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 Matsudo 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 Matsudo gentler on the wallet – expenses run 23% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.