Cost of Living Comparison Between Ubud, Bali and McKinney, TX Cost of Living Comparison Between Ubud, Bali and McKinney, TX

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $2,636 in McKinney, TX.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $3,689 in McKinney, TX.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $4,743 in McKinney, TX.

Living in Ubud, Bali costs roughly 46% less than in McKinney, TX, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 6% above, McKinney, TX 97% above.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$16.79 $16.79

-78.80%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$73.7 $73.7

-55.60%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$9.23 $9.23

-46.37%

Cappuccino

$2.71 Rp 48.4K

$5.17 $5.17

-47.58%

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

$1.34 Rp 24.0K

$2.63 $2.63

-49.05%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$1.98 $1.98

-64.65%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$6.07 $6.07

-51.89%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$8.09 $8.09

-51.05%

Milk (1 liter)

$1.81 Rp 32.3K

$1.09 $1.09

66.06%

White Bread (500g)

$2.52 Rp 45.0K

$2.74 $2.74

-8.03%

Rice (white) (1kg)

$1.16 Rp 20.7K

$3.99 $3.99

-70.93%

Eggs

$2.46 Rp 43.9K

$5.12 $5.12

-51.95%

Local Cheese (1kg)

$14.71 Rp 262.7K

$11.45 $11.45

28.47%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$14.10 $14.10

-69.36%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$16.28 $16.28

-25.43%

Apples (1kg)

$3.84 Rp 68.6K

$4.47 $4.47

-14.09%

Banana (1kg)

$1.56 Rp 27.8K

$1.56 $1.56

Oranges (1kg)

$2.83 Rp 50.6K

$4.09 $4.09

-30.81%

Tomato (1kg)

$2.33 Rp 41.5K

$4.43 $4.43

-47.40%

Potato (1kg)

$1.91 Rp 34.2K

$3.58 $3.58

-46.65%

Onion (1kg)

$2.20 Rp 39.3K

$2.19 $2.19

0.46%

Lettuce (1 head)

$1.01 Rp 18.1K

$2.12 $2.12

-52.36%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$3.03 $3.03

-74.26%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$9.51 $9.51

-65.09%

Wine (Bottle)

$23.74 Rp 423.9K

$11.31 $11.31

109.90%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.93 $1.93

44.56%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$2.97 $2.97

-3.70%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$2.04 $2.04

-86.76%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$2.77 $2.77

-83.39%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$1.27 $1.27

-64.57%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$30.49 $30.49

-79.99%

Gasoline (1 liter)

$0.79 Rp 14.2K

$0.81 $0.81

-2.47%

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

$26.1K Rp 467.0M

$29.5K $29.5K

-11.30%

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

$32.1K Rp 573.6M

$26.3K $26.3K

22.06%

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

$79.9 Rp 1.4M

$184 $184

-56.54%

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

$4.06 Rp 72.6K

$60.8 $60.8

-93.32%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$79.1 $79.1

-70.27%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$34.46 $34.46

186.42%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

Cinema Ticket

$4.15 Rp 74.1K

$14.91 $14.91

-72.17%

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

$304 Rp 5.4M

$1,354 $1,354

-77.56%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$23.0K $23.0K

-71.25%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$54.5 $54.5

1.95%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$28.25 $28.25

35.61%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$101 $101

-11.98%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$112 $112

-30.26%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$1,696 $1,696

-40.66%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$1,381 $1,381

-51.10%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$3,253 $3,253

5.81%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$1,970 $1,970

3.55%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$2,289 $2,289

24.12%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$2,300 $2,300

-1.59%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$5,640 $5,640

-97.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.49

104.62%

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

Last update for Ubud, Bali: June 1, 2026

Last update for McKinney, TX: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $1,696 in McKinney, TX. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays 3313% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $33.00 in Ubud, Bali vs $74.0 in McKinney, TX for a mid-range dinner for two. Groceries echo the gap at $302 vs $397 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 McKinney, TX: Cost of Living - Frequently Asked Questions

Ubud, Bali and McKinney, TX differ by about 86% in total monthly costs ($1,419 vs $2,636 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, McKinney, TX earns 3313% less. 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: $1,006 in Ubud, Bali versus $1,696 in McKinney, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $1,354 in McKinney, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $33.00 versus $74.0 in McKinney, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,419 in Ubud, Bali versus $2,636 in McKinney, TX, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in McKinney, TX. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and McKinney, TX 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 Ubud, Bali gentler on the wallet – expenses run 86% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.