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 $1,396 per month in Ubud, Bali vs $751 in Ndola, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $1,768 in Ndola, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $2,784 in Ndola, rent included.

Ubud, Bali costs about 86% more than Ndola, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Ndola is 45% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$5.75 ZMW 110

-41.39%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.4K

$31.73 ZMW 608

21.62%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$5.13 ZMW 98.2

7.60%

Cappuccino

$2.64 Rp 46.6K

$2.89 ZMW 55.4

-8.65%

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

$1.67 Rp 29.5K

$0.56 ZMW 10.63

198.21%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.25 ZMW 4.75

208.00%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

$1.29 ZMW 24.64

103.88%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

$2.35 ZMW 45.02

82.13%

Milk (1 liter)

$1.55 Rp 27.3K

$1.74 ZMW 33.29

-10.92%

White Bread (500g)

$2.22 Rp 39.2K

$1.19 ZMW 22.76

86.55%

Rice (white) (1kg)

$1.13 Rp 19.8K

$2.14 ZMW 41.01

-47.20%

Eggs

$2.09 Rp 36.8K

$1.65 ZMW 31.56

26.67%

Local Cheese (1kg)

$17.39 Rp 306.7K

$10.73 ZMW 205

62.07%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$6.47 ZMW 124

-40.19%

Beef Round Steak (1kg)

$12.55 Rp 221.3K

$6.81 ZMW 130

84.29%

Apples (1kg)

$3.62 Rp 63.8K

$1.59 ZMW 30.49

127.67%

Banana (1kg)

$1.56 Rp 27.5K

$2.51 ZMW 48.00

-37.85%

Oranges (1kg)

$2.35 Rp 41.5K

$3.76 ZMW 72.0

-37.50%

Tomato (1kg)

$2.06 Rp 36.2K

$1.65 ZMW 31.61

24.85%

Potato (1kg)

$1.90 Rp 33.5K

$2.61 ZMW 49.89

-27.20%

Onion (1kg)

$2.34 Rp 41.2K

$1.95 ZMW 37.32

20.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$1.16 ZMW 22.22

-11.21%

Water (1.5 liter bottle)

$0.55 Rp 9,781

$0.66 ZMW 12.54

-16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$3.12 ZMW 59.7

-27.88%

Wine (Bottle)

$23.81 Rp 419.8K

$10.45 ZMW 200

127.85%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

$1.52 ZMW 29.17

51.97%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

$2.42 ZMW 46.43

15.70%

One-way Ticket (Public Transport)

$0.27 Rp 4,803

$0.75 ZMW 14.41

-64.00%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,490

$2.60 ZMW 49.81

-81.54%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,865

$1.56 ZMW 29.85

-71.15%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$5.22 ZMW 99.9

9.58%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.47 ZMW 28.20

-48.30%

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

$24.5K Rp 431.7M

$7,874 ZMW 150.8K

210.95%

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

$32.1K Rp 566.4M

$27.2K ZMW 520.4K

18.20%

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

$83.6 Rp 1.5M

$84.6 ZMW 1,620

-1.23%

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

$6.46 Rp 113.8K

$10.89 ZMW 209

-40.68%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.9K

$57.9 ZMW 1,109

-67.21%

Gym Membership (Monthly)

$56.0 Rp 987.0K

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.3K

Cinema Ticket

$4.28 Rp 75.5K

$6.17 ZMW 118

-30.63%

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

$487 Rp 8.6M

$143 ZMW 2,732

240.96%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.3M

$16.7K ZMW 320.4K

-65.00%

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.3K

$24.07 ZMW 461

89.28%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.5K

$16.45 ZMW 315

121.16%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$47.47 ZMW 909

72.66%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$75.9 ZMW 1,453

5.96%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$181 ZMW 3,474

515.44%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$157 ZMW 3,009

346.21%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

$388 ZMW 7,439

810.39%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

$1,519 ZMW 29.1K

16.06%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$591 ZMW 11.3K

-71.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-52.48%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Ndola: September 1, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $181 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 248% 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 $39.00 in Ubud, Bali versus $32.00 in Ndola. Monthly groceries follow the same trend: $293 vs $233 – 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 86%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $1,127 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 $39.00 in Ubud, Bali and $32.00 in Ndola. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 26% 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 $751, than in Ubud, Bali at $1,396. 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.