Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Naivasha

For one person, living is cheaper in Naivasha: $542 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
26

Cost of Living Index in Naivasha
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Naivasha Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Naivasha

🇰🇪 Kenya

$542

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $542 in Naivasha.

Ubud, Bali $1,368
Naivasha $542

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $886 in Naivasha.

Ubud, Bali $2,314
Naivasha $886

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,230 in Naivasha.

Ubud, Bali $3,260
Naivasha $1,230

Living in Ubud, Bali is roughly 152% more expensive than in Naivasha, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Naivasha is 60% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$6.48 KES 840

-48.61%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$34.08 KES 4,419

3.23%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$6.24 KES 809

-7.05%

Cappuccino

$2.73 Rp 49.1K

$2.59 KES 336

5.41%

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

$1.64 Rp 29.5K

$0.66 KES 85.2

148.48%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.60 KES 78.4

38.33%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$2.25 KES 292

20.00%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$2.64 KES 342

62.88%

Milk (1 liter)

$1.50 Rp 27.1K

$0.84 KES 109

78.57%

White Bread (500g)

$2.30 Rp 41.4K

$0.52 KES 68.0

342.31%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.91 KES 247

-38.22%

Eggs

$2.14 Rp 38.6K

$1.71 KES 222

25.15%

Local Cheese (1kg)

$17.48 Rp 314.6K

$10.46 KES 1,357

67.11%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$6.51 KES 844

-38.10%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$6.31 KES 818

93.82%

Apples (1kg)

$3.55 Rp 63.9K

$3.31 KES 429

7.25%

Banana (1kg)

$1.57 Rp 28.3K

$1.10 KES 142

42.73%

Oranges (1kg)

$2.24 Rp 40.2K

$1.95 KES 253

14.87%

Tomato (1kg)

$1.93 Rp 34.7K

$1.14 KES 148

69.30%

Potato (1kg)

$1.88 Rp 33.9K

$1.12 KES 145

67.86%

Onion (1kg)

$2.29 Rp 41.3K

$1.05 KES 136

118.10%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.69 KES 89.5

43.48%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.75 KES 96.7

-29.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$3.45 KES 447

-33.91%

Wine (Bottle)

$23.01 Rp 414.2K

$11.51 KES 1,493

99.91%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$2.33 KES 302

0.43%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.78 KES 360

4.68%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.52 KES 197

-68.42%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.52 KES 198

-69.74%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$2.92 KES 378

86.64%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.56 KES 202

-43.59%

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

$24.6K Rp 442.2M

$21.6K KES 2.8M

13.99%

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

$31.2K Rp 561.4M

$20.1K KES 2.6M

54.84%

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

$83.0 Rp 1.5M

$55.6 KES 7,204

49.38%

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

$6.45 Rp 116.0K

$15.22 KES 1,973

-57.62%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$34.82 KES 4,515

-46.67%

Gym Membership (Monthly)

$55.8 Rp 1.0M

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

$7.56 KES 980

-42.06%

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

$493 Rp 8.9M

$251 KES 32.5K

96.61%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$12.4K KES 1.6M

-53.78%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$27.97 KES 3,626

65.14%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$28.68 KES 3,718

23.19%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$70.8 KES 9,176

11.76%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$58.7 KES 7,606

33.61%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$757 KES 98.1K

267.93%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

14.71

-6.32%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Naivasha: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Naivasha

- * 0% 100%

Groceries & Markets

Ubud, Bali

$290 21.2%

Naivasha

$205 37.8% 29.4% $85

Eating Out

Ubud, Bali

$109 8%

Naivasha

$123 22.7% 13.2% $14

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Naivasha

$106 19.5% 2.2% $2.4

Clothing & Footwear

Ubud, Bali

$108 7.9%

Naivasha

$84 15.5% 22.1% $24

Sport & Entertainment

Ubud, Bali

$65 4.7%

Naivasha

$15 * 2.8% 76.6% $49

Getting Around

Ubud, Bali

$13 0.9%

Naivasha

$9.1 * 1.7% 27.2% $3.4

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

Cost Breakdown

Dining out: $35.00 in Ubud, Bali vs $34.00 in Naivasha for a mid-range dinner for two. Groceries echo the gap at $290 vs $205 per month, with Naivasha cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇰🇪 Naivasha

🕒 Local time

18:29 6:29 PM

13:29 1:29 PM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

14,563

💱 Currency

Indonesian Rupiah IDR Rp

Kenyan Shilling KES Sh

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 KES = 7.71 USD

1,000 KES = 6.86 EUR

Exchange rates and currency converter

KES, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

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

Kenyan Shilling exchange rates as of October 18, 2026: 1 USD = 130 KES (1,000 KES = 7.71 USD). 1 EUR = 146 KES (1,000 KES = 6.86 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Naivasha 8,770 km ≈ 11 h nonstop flight

From you

Ubud, Bali
Naivasha

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 Naivasha: Cost of Living - Frequently Asked Questions

Naivasha is cheaper overall, especially in groceries, clothing, and leisure. The 152% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,051 in Ubud, Bali and $813 in Naivasha to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $493 in Ubud, Bali versus $251 in Naivasha. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Naivasha – a meal for two runs $34.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $542 in Naivasha versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Naivasha but tight or insufficient in Ubud, Bali. The gap between the two cities makes Naivasha the clear choice for anyone on this budget.

For families, Naivasha is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Naivasha 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 Naivasha gentler on the wallet – expenses run 152% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.