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

Monthly Cost of Living

A single person spends $1,408 per month in Ubud, Bali vs $742 in Ndola, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,740 in Ndola, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $2,738 in Ndola, rent included.

Ubud, Bali costs about 90% more than Ndola, driven mainly by Monthly Utilities & Internet.

Ubud, Bali sits 5% above the global median, while Ndola is 44% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$7.08 ZMW 129

-51.27%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$25.36 ZMW 462

27.52%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$3.68 ZMW 67.0

31.52%

Cappuccino

$2.75 Rp 49.4K

$1.96 ZMW 35.69

40.31%

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

$1.38 Rp 24.9K

$0.35 ZMW 6.34

294.29%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.18 ZMW 3.25

316.67%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$0.88 ZMW 15.98

239.77%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$1.74 ZMW 31.67

121.26%

Milk (1 liter)

$1.74 Rp 31.2K

$1.30 ZMW 23.62

33.85%

White Bread (500g)

$2.46 Rp 44.2K

$0.79 ZMW 14.39

211.39%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.65 ZMW 29.99

-29.09%

Eggs

$2.43 Rp 43.7K

$1.32 ZMW 24.09

84.09%

Local Cheese (1kg)

$14.50 Rp 260.6K

$7.82 ZMW 142

85.42%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$3.95 ZMW 71.9

10.13%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$4.67 ZMW 85.0

156.53%

Apples (1kg)

$3.72 Rp 66.8K

$1.23 ZMW 22.38

202.44%

Banana (1kg)

$1.63 Rp 29.2K

$1.60 ZMW 29.19

1.87%

Oranges (1kg)

$2.74 Rp 49.3K

$2.67 ZMW 48.58

2.62%

Tomato (1kg)

$2.24 Rp 40.3K

$1.17 ZMW 21.31

91.45%

Potato (1kg)

$1.92 Rp 34.5K

$1.82 ZMW 33.14

5.49%

Onion (1kg)

$2.28 Rp 40.9K

$1.32 ZMW 24.10

72.73%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.86 ZMW 15.57

23.26%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.52 ZMW 9.46

38.46%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$2.55 ZMW 46.49

29.02%

Wine (Bottle)

$23.19 Rp 416.8K

$10.79 ZMW 196

114.92%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.09 ZMW 19.93

155.05%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.58 ZMW 28.83

72.78%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.56 ZMW 10.19

-51.79%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.85 ZMW 33.69

-74.05%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$9.45 ZMW 172

-34.18%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.23 ZMW 22.37

-34.15%

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

$26.6K Rp 478.2M

$7,861 ZMW 143.1K

238.53%

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

$32.2K Rp 578.5M

$28.0K ZMW 510.0K

14.88%

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

$78.4 Rp 1.4M

$91.3 ZMW 1,662

-14.19%

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

$4.07 Rp 73.1K

$36.46 ZMW 664

-88.84%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$123 ZMW 2,241

-80.24%

Gym Membership (Monthly)

$98.6 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

Cinema Ticket

$3.99 Rp 71.6K

$4.25 ZMW 77.3

-6.12%

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

$305 Rp 5.5M

$178 ZMW 3,240

71.37%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$9,526 ZMW 173.4K

-30.27%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$18.59 ZMW 338

191.23%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$17.17 ZMW 312

120.21%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$84.8 ZMW 1,543

2.47%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$73.2 ZMW 1,333

4.26%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$126 ZMW 2,295

686.66%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$109 ZMW 1,979

518.55%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$276 ZMW 5,020

1123.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$1,485 ZMW 27.0K

38.05%

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

$608 ZMW 11.1K

-72.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-46.88%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Ndola: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $126 in Ndola. 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 264% higher in Ndola, 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 $25.00 in Ndola. Monthly groceries follow the same trend: $297 vs $170 – making Ndola 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 Ndola: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 90%, and the gap shows up most in Monthly Utilities & Internet. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $1,113 in Ndola. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ndola, 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 $25.00 in Ndola. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 74% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,500 monthly budget goes further in Ndola, where all-in costs run around $742, than in Ubud, Bali at $1,408. In Ndola it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Ndola – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Ndola. 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.