Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ndola

For one person, living is cheaper in Ndola: $719 a month against $1,353 in Ubud, Bali, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
35

Cost of Living Index in Ndola
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Ndola Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Ndola

🇿🇲 Zambia

$719

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $719 in Ndola, rent included.

Ubud, Bali $1,353
Ndola $719

A couple spends around $2,297 per month in Ubud, Bali vs $1,721 in Ndola, rent included.

Ubud, Bali $2,297
Ndola $1,721

A family of three spends $3,241 per month in Ubud, Bali vs $2,723 in Ndola, rent included.

Ubud, Bali $3,241
Ndola $2,723

Ubud, Bali costs about 88% more than Ndola, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Ndola is 47% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$5.58 ZMW 111

-42.11%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$30.02 ZMW 597

16.19%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.00 ZMW 99.4

14.00%

Cappuccino

$2.62 Rp 47.1K

$2.76 ZMW 54.8

-5.07%

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

$1.72 Rp 31.0K

$0.52 ZMW 10.25

230.77%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.24 ZMW 4.73

237.50%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.22 ZMW 24.31

117.21%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$2.21 ZMW 44.02

97.74%

Milk (1 liter)

$1.57 Rp 28.3K

$1.65 ZMW 32.92

-4.85%

White Bread (500g)

$2.19 Rp 39.5K

$1.18 ZMW 23.56

85.59%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.13 ZMW 42.31

-44.60%

Eggs

$2.16 Rp 38.8K

$1.56 ZMW 31.07

38.46%

Local Cheese (1kg)

$17.65 Rp 317.7K

$10.15 ZMW 202

73.89%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$6.18 ZMW 123

-38.83%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$6.71 ZMW 133

78.09%

Apples (1kg)

$3.60 Rp 64.8K

$1.47 ZMW 29.27

144.90%

Banana (1kg)

$1.59 Rp 28.6K

$2.41 ZMW 48.00

-34.02%

Oranges (1kg)

$2.31 Rp 41.6K

$3.74 ZMW 74.3

-38.24%

Tomato (1kg)

$1.91 Rp 34.3K

$1.54 ZMW 30.72

24.03%

Potato (1kg)

$1.78 Rp 32.1K

$2.53 ZMW 50.4

-29.64%

Onion (1kg)

$2.33 Rp 41.9K

$1.80 ZMW 35.84

29.44%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.10 ZMW 21.93

-9.09%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.58 ZMW 11.60

-8.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$3.09 ZMW 61.5

-25.89%

Wine (Bottle)

$22.07 Rp 397.3K

$9.83 ZMW 196

124.52%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.46 ZMW 28.97

60.96%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.35 ZMW 46.73

26.81%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.72 ZMW 14.29

-68.06%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.57 ZMW 51.2

-81.71%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.53 ZMW 30.41

-71.90%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$5.03 ZMW 100

8.75%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.35 ZMW 26.78

-38.52%

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

$23.9K Rp 429.8M

$7,392 ZMW 147.0K

222.98%

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

$32.8K Rp 590.1M

$26.9K ZMW 534.7K

21.95%

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

$80.0 Rp 1.4M

$80.2 ZMW 1,596

-0.31%

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

$6.56 Rp 118.1K

$10.45 ZMW 208

-37.22%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$55.2 ZMW 1,098

-66.32%

Gym Membership (Monthly)

$54.1 Rp 974.1K

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$6.04 ZMW 120

-29.64%

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

$493 Rp 8.9M

$135 ZMW 2,692

264.07%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$16.3K ZMW 324.7K

-65.71%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$23.64 ZMW 470

92.81%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$15.39 ZMW 306

127.16%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$45.69 ZMW 909

70.10%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$71.4 ZMW 1,421

9.94%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$177 ZMW 3,526

538.28%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$148 ZMW 2,948

353.94%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$370 ZMW 7,365

875.66%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,482 ZMW 29.5K

14.86%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$596 ZMW 11.9K

-72.10%

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: October 19, 2026

Last update for Ndola: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Ndola

$148 20.6% 78% $525

Groceries & Markets

Ubud, Bali

$287 21.2%

Ndola

$223 31.1% 22.2% $64

Clothing & Footwear

Ubud, Bali

$107 7.9%

Ndola

$70 9.8% 34.1% $36

Eating Out

Ubud, Bali

$106 7.9%

Ndola

$106 14.8% 0.2% $0.2

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Ndola

$146 20.3% 38.8% $41

Sport & Entertainment

Ubud, Bali

$63 4.6%

Ndola

$12 * 1.7% 80.7% $51

Getting Around

Ubud, Bali

$12 0.9%

Ndola

$13 * 1.8% 5.3% $0.7

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

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $177 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 258% 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 $35.00 in Ubud, Bali versus $30.00 in Ndola. Monthly groceries follow the same trend: $287 vs $223 – making Ndola the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇿🇲 Ndola

🕒 Local time

22:54 10:54 PM

16:54 4:54 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

455,194

💱 Currency

Indonesian Rupiah IDR Rp

Zambian Kwacha ZMW ZK

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 ZMW = 5.03 USD

100 ZMW = 4.47 EUR

Exchange rates and currency converter

ZMW, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Zambian Kwacha exchange rates as of October 22, 2026: 1 USD = 19.89 ZMW (100 ZMW = 5.03 USD). 1 EUR = 22.36 ZMW (100 ZMW = 4.47 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ndola 9,430 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Ndola

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 Ndola: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 88%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $1,079 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 $35.00 in Ubud, Bali and $30.00 in Ndola. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 29% 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 $719, than in Ubud, Bali at $1,353. 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.