Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Munich

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,681 in Munich, rent and utilities included – about $16,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
130

Cost of Living Index in Munich
Learn more

Munich Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Munich

🇩🇪 Germany

$2,681

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Munich

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

A single person spends $1,349 per month in Ubud, Bali vs $2,681 in Munich, rent included.

Ubud, Bali $1,349
Munich $2,681

A couple spends around $2,305 per month in Ubud, Bali vs $4,080 in Munich, rent included.

Ubud, Bali $2,305
Munich $4,080

A family of three spends $3,261 per month in Ubud, Bali vs $5,480 in Munich, rent included.

Ubud, Bali $3,261
Munich $5,480

Ubud, Bali is about 50% cheaper than Munich, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$18.66 €16.71

-82.21%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$89.2 €79.9

-60.04%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$13.38 €11.99

-58.67%

Cappuccino

$2.72 Rp 49.3K

$4.32 €3.87

-37.04%

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

$1.70 Rp 30.8K

$3.86 €3.46

-55.96%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$3.35 €3.00

-77.31%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$5.22 €4.67

-49.23%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$5.74 €5.14

-23.69%

Milk (1 liter)

$1.49 Rp 27.0K

$1.28 €1.15

16.41%

White Bread (500g)

$2.28 Rp 41.2K

$2.32 €2.08

-1.72%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.69 €2.41

-55.76%

Eggs

$2.04 Rp 36.9K

$4.57 €4.09

-55.36%

Local Cheese (1kg)

$17.70 Rp 320.8K

$17.92 €16.05

-1.23%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$13.29 €11.91

-70.20%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$21.85 €19.57

-44.21%

Apples (1kg)

$3.66 Rp 66.2K

$3.19 €2.85

14.73%

Banana (1kg)

$1.52 Rp 27.5K

$2.01 €1.80

-24.38%

Oranges (1kg)

$2.23 Rp 40.4K

$2.81 €2.52

-20.64%

Tomato (1kg)

$1.97 Rp 35.7K

$4.53 €4.05

-56.51%

Potato (1kg)

$1.85 Rp 33.5K

$1.85 €1.66

Onion (1kg)

$2.42 Rp 43.9K

$1.83 €1.64

32.24%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.50 €1.34

-34.00%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.86 €0.77

-40.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$11.22 €10.05

-80.21%

Wine (Bottle)

$22.24 Rp 403.0K

$6.67 €5.97

233.43%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.29 €1.16

75.19%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.60 €1.44

85.63%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$4.74 €4.24

-94.73%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$70.1 €62.7

-88.84%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$6.76 €6.06

-93.49%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$3.09 €2.77

-86.08%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$43.44 €38.90

-87.55%

Gasoline (1 liter)

$0.82 Rp 14.9K

$2.31 €2.07

-64.50%

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

$23.8K Rp 432.0M

$33.9K €30.3K

-29.64%

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

$31.7K Rp 575.3M

$39.3K €35.2K

-19.17%

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

$79.1 Rp 1.4M

$350 €313

-77.38%

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

$6.45 Rp 116.8K

$18.57 €16.63

-65.27%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$39.33 €35.22

-52.76%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$51.8 €46.39

-4.48%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$33.64 €30.13

-47.53%

Cinema Ticket

$4.27 Rp 77.4K

$15.92 €14.26

-73.18%

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

$491 Rp 8.9M

$868 €778

-43.49%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$16.5K €14.7K

-65.52%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$87.7 €78.6

-49.11%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$42.09 €37.70

-16.96%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$102 €91.2

-21.54%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$114 €102

-30.44%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,664 €1,490

-32.40%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,254 €1,123

-46.45%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$3,113 €2,788

14.52%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$2,352 €2,107

-26.74%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$12.5K €11.2K

-78.06%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$8,605 €7,707

-73.46%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,072 €3,647

-95.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.82

260.73%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Munich: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Munich

$1.3K 46.8% 86.7% $582

Groceries & Markets

Ubud, Bali

$288 21.4%

Munich

$361 13.5% 25.3% $73

Eating Out

Ubud, Bali

$108 8%

Munich

$308 11.5% 186% $200

Clothing & Footwear

Ubud, Bali

$108 8%

Munich

$156 5.8% 44.8% $48

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Munich

$407 15.2% 292% $303

Sport & Entertainment

Ubud, Bali

$58 4.3%

Munich

$84 3.1% 44.1% $26

Getting Around

Ubud, Bali

$11 0.9%

Munich

$111 4.2% 874% $100

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $1,664 in Munich. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Munich are about 25 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $89 in Munich. Monthly groceries follow the same trend: $288 vs $361 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇩🇪 Munich

🕒 Local time

00:58 12:58 AM

17:58 5:58 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,484,226

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of November 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Munich 11,730 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Munich

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 Munich: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $2,681 in Munich – Ubud, Bali comes out roughly 50% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $4,021 in Munich. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,125 there versus $1,664 in Munich.

Public transport costs about 89% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $491 per month in Ubud, Bali and $868 in Munich. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $2,681 in Munich. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Ubud, Bali costs $1,349 versus $2,681 in Munich. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Munich makes more sense. Both are solid long-term options with distinct trade-offs.