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

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $532 in Naivasha.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $876 in Naivasha.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $1,219 in Naivasha.

Living in Ubud, Bali is roughly 159% more expensive than in Naivasha, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 1% above, Naivasha is 61% below.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$5.30 KES 686

-37.55%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$34.49 KES 4,463

13.31%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$6.32 KES 818

-11.08%

Cappuccino

$2.64 Rp 46.9K

$2.84 KES 368

-7.04%

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

$1.58 Rp 28.2K

$0.59 KES 76.5

167.80%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.56 KES 71.9

26.79%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$2.28 KES 295

19.74%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$2.66 KES 344

62.41%

Milk (1 liter)

$1.54 Rp 27.4K

$0.89 KES 115

73.03%

White Bread (500g)

$2.30 Rp 40.8K

$0.52 KES 67.8

342.31%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.87 KES 241

-44.92%

Eggs

$2.12 Rp 37.7K

$1.70 KES 220

24.71%

Local Cheese (1kg)

$17.30 Rp 307.5K

$10.63 KES 1,375

62.75%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$6.40 KES 829

-37.03%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$6.10 KES 789

103.61%

Apples (1kg)

$3.70 Rp 65.7K

$3.27 KES 423

13.15%

Banana (1kg)

$1.62 Rp 28.7K

$0.98 KES 127

65.31%

Oranges (1kg)

$2.27 Rp 40.3K

$2.02 KES 262

12.38%

Tomato (1kg)

$1.99 Rp 35.4K

$1.01 KES 131

97.03%

Potato (1kg)

$1.83 Rp 32.5K

$1.02 KES 132

79.41%

Onion (1kg)

$2.25 Rp 40.1K

$0.94 KES 122

139.36%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.71 KES 91.6

46.48%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.76 KES 98.9

-26.32%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$3.55 KES 459

-37.46%

Wine (Bottle)

$23.22 Rp 412.7K

$11.81 KES 1,528

96.61%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$2.29 KES 296

4.37%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$2.70 KES 349

6.30%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.58 KES 205

-70.89%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.54 KES 199

-70.13%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$2.84 KES 367

100.70%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.56 KES 202

-51.28%

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

$24.6K Rp 436.7M

$19.0K KES 2.5M

29.22%

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

$31.0K Rp 551.5M

$19.0K KES 2.5M

63.10%

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

$82.2 Rp 1.5M

$57.1 KES 7,385

43.98%

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

$6.33 Rp 112.5K

$15.48 KES 2,003

-59.11%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$34.66 KES 4,485

-46.51%

Gym Membership (Monthly)

$56.1 Rp 996.2K

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$7.81 KES 1,011

-45.45%

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

$489 Rp 8.7M

$236 KES 30.6K

107.16%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$10.9K KES 1.4M

-46.70%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$27.61 KES 3,573

66.53%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$25.16 KES 3,256

42.53%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$63.6 KES 8,235

24.95%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$59.8 KES 7,737

35.36%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$778 KES 100.7K

257.77%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

Average Monthly Net Salary (After Tax)

$169 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: August 15, 2026

Last update for Naivasha: August 17, 2026

Cost Breakdown

Dining out: $39.00 in Ubud, Bali vs $34.00 in Naivasha for a mid-range dinner for two. Groceries echo the gap at $293 vs $203 per month, with Naivasha cheaper across the board.

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 & Markets, Clothing & Footwear, Sport & Entertainment, Getting Around. The 159% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,069 in Ubud, Bali and $799 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 $489 in Ubud, Bali versus $236 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 $39.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $532 in Naivasha versus $1,379 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 159% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.