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

Monthly Cost of Living

A single person spends $1,408 per month in Ubud, Bali vs $1,172 in Nagano, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,938 in Nagano, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $2,704 in Nagano, rent included.

Ubud, Bali costs about 20% more than Nagano, driven mainly by Getting Around.

Ubud, Bali sits 5% above the global median, while Nagano is 12% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$6.78 ¥1,101

-49.12%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$34.31 ¥5,575

-5.74%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$4.06 ¥660

19.21%

Cappuccino

$2.75 Rp 49.4K

$3.56 ¥579

-22.75%

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

$1.38 Rp 24.9K

$1.14 ¥185

21.05%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.64 ¥104

17.19%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.04 ¥332

46.57%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.09 ¥340

84.21%

Milk (1 liter)

$1.74 Rp 31.2K

$1.26 ¥205

38.10%

White Bread (500g)

$2.46 Rp 44.2K

$1.27 ¥207

93.70%

Rice (white) (1kg)

$1.17 Rp 21.0K

$4.74 ¥771

-75.32%

Eggs

$2.43 Rp 43.7K

$1.58 ¥257

53.80%

Local Cheese (1kg)

$14.50 Rp 260.6K

$12.22 ¥1,986

18.66%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$12.22 ¥1,986

-64.40%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$16.77 ¥2,724

-28.56%

Apples (1kg)

$3.72 Rp 66.8K

$7.83 ¥1,273

-52.49%

Banana (1kg)

$1.63 Rp 29.2K

$2.54 ¥412

-35.83%

Oranges (1kg)

$2.74 Rp 49.3K

$4.62 ¥750

-40.69%

Tomato (1kg)

$2.24 Rp 40.3K

$4.64 ¥754

-51.72%

Potato (1kg)

$1.92 Rp 34.5K

$3.62 ¥588

-46.96%

Onion (1kg)

$2.28 Rp 40.9K

$3.59 ¥584

-36.49%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.03 ¥167

2.91%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.72 ¥117

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$5.46 ¥887

-39.74%

Wine (Bottle)

$23.19 Rp 416.8K

$9.13 ¥1,484

154.00%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$2.50 ¥407

11.20%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$3.50 ¥568

-22.00%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.44 ¥234

-81.25%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$55.2 ¥8,961

-85.29%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$3.04 ¥493

-84.21%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$3.03 ¥492

-86.14%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$21.20 ¥3,444

-70.66%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.20 ¥194

-32.50%

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

$26.6K Rp 478.2M

$24.3K ¥3.9M

9.49%

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

$32.2K Rp 578.5M

$17.4K ¥2.8M

85.49%

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

$78.4 Rp 1.4M

$84.1 ¥13.7K

-6.86%

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

$4.07 Rp 73.1K

$29.98 ¥4,872

-86.42%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$17.64 ¥2,866

37.93%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$54.5 ¥8,858

80.87%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$13.83 ¥2,248

-54.16%

Cinema Ticket

$3.99 Rp 71.6K

$11.35 ¥1,845

-64.85%

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

$305 Rp 5.5M

$279 ¥45.3K

9.31%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$13.6K ¥2.2M

-51.02%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$44.59 ¥7,245

21.42%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$29.09 ¥4,726

29.98%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$58.9 ¥9,576

47.34%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$95.3 ¥15.5K

-19.89%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$481 ¥78.2K

106.11%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$279 ¥45.3K

141.36%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$853 ¥138.6K

295.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$661 ¥107.5K

209.98%

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

$621 ¥101.0K

-73.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

564.00%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Nagano: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $481 in Nagano. 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 272% higher in Nagano, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $32.00 in Ubud, Bali versus $34.00 in Nagano. Monthly groceries follow the same trend: $297 vs $363 – making Ubud, Bali 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 Nagano: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 20% more than Nagano, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $1,759 in Nagano. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Nagano, 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 $34.00 in Nagano. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,408 in Ubud, Bali and $1,172 in Nagano. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,000 monthly budget goes further in Nagano, where all-in costs run around $1,172, than in Ubud, Bali at $1,408. In Nagano it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Nagano costs $1,172 versus $1,408 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Nagano. 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.