Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,798 in McKinney, TX, rent and utilities included – about $17,400 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
133

Cost of Living Index in McKinney, TX
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McKinney, TX Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

McKinney, TX

🇺🇸 United States

$2,798

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in McKinney, TX

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,798 in McKinney, TX.

Ubud, Bali $1,349
McKinney, TX $2,798

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,731 in McKinney, TX.

Ubud, Bali $2,305
McKinney, TX $3,731

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,663 in McKinney, TX.

Ubud, Bali $3,261
McKinney, TX $4,663

Living in Ubud, Bali costs roughly 52% less than in McKinney, TX, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$18.76 $18.76

-82.30%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$60.8 $60.8

-41.34%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$11.03 $11.03

-49.86%

Cappuccino

$2.72 Rp 49.3K

$4.96 $4.96

-45.16%

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

$1.70 Rp 30.9K

$2.57 $2.57

-33.85%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.86 $1.86

-59.14%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$6.10 $6.10

-56.56%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$7.54 $7.54

-41.91%

Milk (1 liter)

$1.49 Rp 27.1K

$1.02 $1.02

46.08%

White Bread (500g)

$2.28 Rp 41.3K

$2.78 $2.78

-17.99%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.20 $2.20

-45.91%

Eggs

$2.04 Rp 36.9K

$4.03 $4.03

-49.38%

Local Cheese (1kg)

$17.70 Rp 321.2K

$10.09 $10.09

75.42%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$15.69 $15.69

-74.76%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$16.90 $16.90

-27.87%

Apples (1kg)

$3.66 Rp 66.3K

$3.18 $3.18

15.09%

Banana (1kg)

$1.52 Rp 27.5K

$2.90 $2.90

-47.59%

Oranges (1kg)

$2.23 Rp 40.4K

$2.96 $2.96

-24.66%

Tomato (1kg)

$1.97 Rp 35.8K

$2.56 $2.56

-23.05%

Potato (1kg)

$1.85 Rp 33.5K

$2.18 $2.18

-15.14%

Onion (1kg)

$2.42 Rp 44.0K

$2.09 $2.09

15.79%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.79 $1.79

-44.69%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$2.92 $2.92

-82.53%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$10.02 $10.02

-77.84%

Wine (Bottle)

$22.24 Rp 403.6K

$11.45 $11.45

94.24%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.75 $1.75

29.14%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.72 $3.72

-20.16%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$3.04 $3.04

-91.78%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$190 $190

-95.89%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$3.03 $3.03

-85.48%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$15.07 $15.07

-64.10%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.88 $0.88

-6.82%

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

$23.8K Rp 432.6M

$26.9K $26.9K

-11.33%

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

$31.7K Rp 576.1M

$24.7K $24.7K

28.75%

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

$79.1 Rp 1.4M

$205 $205

-61.35%

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

$6.45 Rp 117.0K

$58.2 $58.2

-88.92%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$68.2 $68.2

-72.77%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$29.56 $29.56

67.39%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$12.81 $12.81

37.78%

Cinema Ticket

$4.27 Rp 77.6K

$11.96 $11.96

-64.30%

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

$491 Rp 8.9M

$1,174 $1,174

-58.23%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$56.3 $56.3

-20.72%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$28.56 $28.56

22.37%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$86.1 $86.1

-7.21%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$59.3 $59.3

33.84%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,675 $1,675

-32.86%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,426 $1,426

-52.92%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$2,638 $2,638

35.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,727 $1,727

-0.21%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,318 $2,318

17.86%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,284 $2,284

-0.02%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$5,808 $5,808

-97.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.51

111.67%

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

Last update for Ubud, Bali: October 25, 2026

Last update for McKinney, TX: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

McKinney, TX

$1.4K 51% 112% $755

Groceries & Markets

Ubud, Bali

$288 21.4%

McKinney, TX

$372 13.3% 29% $84

Eating Out

Ubud, Bali

$108 8%

McKinney, TX

$306 10.9% 184% $198

Clothing & Footwear

Ubud, Bali

$108 8%

McKinney, TX

$104 3.7% 3.6% $3.9

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

McKinney, TX

$331 11.8% 218% $227

Sport & Entertainment

Ubud, Bali

$58 4.3%

McKinney, TX

$53 1.9% 7.8% $4.5

Getting Around

Ubud, Bali

$11 0.9%

McKinney, TX

$206 * 7.4% 1700% $194

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,675 in McKinney, TX. Housing cost is often the main lever when comparing two cities.

McKinney, TX pays about 35 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $61 in McKinney, TX for a mid-range dinner for two. Groceries echo the gap at $288 vs $372 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 McKinney, TX

🕒 Local time

03:51 3:51 AM

13:51 1:51 PM

14 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

202,690

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

United States Dollar exchange rates as of November 2, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali McKinney, TX 15,750 km ≈ 20 h nonstop flight

From you

Ubud, Bali
McKinney, TX

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 McKinney, TX: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $2,798 in McKinney, TX, so Ubud, Bali is about 52% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 97% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,675 in McKinney, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $2,798 in McKinney, TX – Ubud, Bali is about 52% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 96% less than in McKinney, TX. The price difference matters if you commute daily and watch your budget.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 52% less than in McKinney, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.