Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Nagano

For one person, living is cheaper in Nagano: $1,231 a month against $1,353 in Ubud, Bali, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
58

Cost of Living Index in Nagano
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Nagano Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Nagano

🇯🇵 Japan

$1,231

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $1,231 in Nagano, rent included.

Ubud, Bali $1,353
Nagano $1,231

A couple spends around $2,297 per month in Ubud, Bali vs $1,891 in Nagano, rent included.

Ubud, Bali $2,297
Nagano $1,891

A family of three spends $3,241 per month in Ubud, Bali vs $2,550 in Nagano, rent included.

Ubud, Bali $3,241
Nagano $2,550

Ubud, Bali costs about 10% more than Nagano, and outside of rent the biggest gap is in transport.

Ubud, Bali sits 0% above the global median, while Nagano is 9% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$6.45 ¥1,019

-49.92%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$40.32 ¥6,370

-13.49%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.13 ¥810

11.11%

Cappuccino

$2.62 Rp 47.1K

$3.37 ¥532

-22.26%

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

$1.72 Rp 31.0K

$1.06 ¥167

62.26%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.80 ¥126

1.25%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$2.59 ¥409

2.32%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.06 ¥483

42.81%

Milk (1 liter)

$1.57 Rp 28.3K

$1.45 ¥228

8.28%

White Bread (500g)

$2.19 Rp 39.5K

$1.64 ¥260

33.54%

Rice (white) (1kg)

$1.18 Rp 21.2K

$3.57 ¥564

-66.95%

Eggs

$2.16 Rp 38.8K

$1.99 ¥315

8.54%

Local Cheese (1kg)

$17.65 Rp 317.7K

$10.32 ¥1,630

71.03%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$6.17 ¥975

-38.74%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$14.40 ¥2,275

-17.01%

Apples (1kg)

$3.60 Rp 64.8K

$5.82 ¥919

-38.14%

Banana (1kg)

$1.59 Rp 28.6K

$2.69 ¥425

-40.89%

Oranges (1kg)

$2.31 Rp 41.6K

$2.84 ¥448

-18.66%

Tomato (1kg)

$1.91 Rp 34.3K

$4.06 ¥642

-52.96%

Potato (1kg)

$1.78 Rp 32.1K

$2.50 ¥396

-28.80%

Onion (1kg)

$2.33 Rp 41.9K

$2.54 ¥401

-8.27%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.25 ¥197

-20.00%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.76 ¥121

-30.26%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$3.68 ¥582

-37.77%

Wine (Bottle)

$22.07 Rp 397.3K

$6.21 ¥982

255.39%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.82 ¥287

29.12%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.01 ¥317

48.26%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.31 ¥207

-82.44%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$51.2 ¥8,082

-82.60%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.17 ¥501

-85.17%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$2.70 ¥427

-84.07%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$20.17 ¥3,187

-72.88%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.05 ¥166

-20.95%

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

$23.9K Rp 429.8M

$21.6K ¥3.4M

10.55%

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

$32.8K Rp 590.1M

$15.5K ¥2.4M

111.86%

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

$80.0 Rp 1.4M

$130 ¥20.6K

-38.54%

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

$6.56 Rp 118.1K

$23.91 ¥3,778

-72.56%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$12.76 ¥2,016

45.77%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$53.1 ¥8,387

1.94%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$12.71 ¥2,008

-66.56%

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

$493 Rp 8.9M

$622 ¥98.3K

-20.78%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$14.9K ¥2.4M

-62.49%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$61.8 ¥9,759

-26.21%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$36.29 ¥5,733

-3.66%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$62.0 ¥9,797

25.33%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$100 ¥15.8K

-21.64%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$557 ¥88.0K

103.08%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$375 ¥59.2K

79.54%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,142 ¥180.4K

216.46%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$648 ¥102.4K

162.47%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$4,188 ¥661.7K

-35.12%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,974 ¥311.9K

13.52%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$627 ¥99.0K

-73.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.64

421.97%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Nagano: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Nagano

$375 30.4% 44.3% $298

Groceries & Markets

Ubud, Bali

$287 21.2%

Nagano

$287 23.3% 0% $0.1

Clothing & Footwear

Ubud, Bali

$107 7.9%

Nagano

$117 9.5% 9.9% $11

Eating Out

Ubud, Bali

$106 7.9%

Nagano

$134 10.9% 25.8% $27

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Nagano

$167 13.6% 58.6% $62

Sport & Entertainment

Ubud, Bali

$63 4.6%

Nagano

$79 6.4% 25.4% $16

Getting Around

Ubud, Bali

$12 0.9%

Nagano

$73 5.9% 488% $61

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $557 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 277% 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 $35.00 in Ubud, Bali versus $40.00 in Nagano. Monthly groceries follow the same trend: $287 vs $287 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇯🇵 Nagano

🕒 Local time

11:53 11:53 AM

12:53 12:53 PM

1 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

372,760

💱 Currency

Indonesian Rupiah IDR Rp

Japanese Yen JPY ¥

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 21, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Japanese Yen exchange rates as of October 21, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Nagano 5,560 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Nagano

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 Nagano: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 10% more than Nagano, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,847 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 $35.00 in Ubud, Bali and $40.00 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 $1,353 in Ubud, Bali and $1,231 in Nagano. That's a gap of about 10%.

A $1,000 monthly budget goes further in Nagano, where all-in costs run around $1,231, than in Ubud, Bali at $1,353. 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 $1,231 versus $1,353 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.