Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Nicholasville, KY

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,472 in Nicholasville, KY, rent and utilities included – about $13,400 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
120

Cost of Living Index in Nicholasville, KY
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Nicholasville, KY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Nicholasville, KY

🇺🇸 United States

$2,472

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Nicholasville, KY

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

A single person spends $1,353 per month in Ubud, Bali vs $2,472 in Nicholasville, KY, rent included.

Ubud, Bali $1,353
Nicholasville, KY $2,472

A couple spends around $2,297 per month in Ubud, Bali vs $3,559 in Nicholasville, KY, rent included.

Ubud, Bali $2,297
Nicholasville, KY $3,559

A family of three spends $3,241 per month in Ubud, Bali vs $4,646 in Nicholasville, KY, rent included.

Ubud, Bali $3,241
Nicholasville, KY $4,646

Ubud, Bali is about 45% cheaper than Nicholasville, KY, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Nicholasville, KY sit above the global median – Ubud, Bali by 0%, Nicholasville, KY by 82%.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$14.04 $14.04

-76.99%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$56.9 $56.9

-38.71%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.96 $8.96

-36.38%

Cappuccino

$2.62 Rp 47.1K

$4.90 $4.90

-46.53%

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

$1.72 Rp 31.0K

$2.44 $2.44

-29.51%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.85 $1.85

-56.22%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$5.01 $5.01

-47.11%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.92 $5.92

-26.18%

Milk (1 liter)

$1.57 Rp 28.3K

$0.75 $0.75

109.33%

White Bread (500g)

$2.19 Rp 39.5K

$2.82 $2.82

-22.34%

Rice (white) (1kg)

$1.18 Rp 21.2K

$3.77 $3.77

-68.70%

Eggs

$2.16 Rp 38.8K

$3.49 $3.49

-38.11%

Local Cheese (1kg)

$17.65 Rp 317.7K

$10.41 $10.41

69.55%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$10.40 $10.40

-63.65%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$14.42 $14.42

-17.13%

Apples (1kg)

$3.60 Rp 64.8K

$5.79 $5.79

-37.82%

Banana (1kg)

$1.59 Rp 28.6K

$1.88 $1.88

-15.43%

Oranges (1kg)

$2.31 Rp 41.6K

$7.14 $7.14

-67.65%

Tomato (1kg)

$1.91 Rp 34.3K

$4.48 $4.48

-57.37%

Potato (1kg)

$1.78 Rp 32.1K

$3.11 $3.11

-42.77%

Onion (1kg)

$2.33 Rp 41.9K

$3.16 $3.16

-26.27%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.11 $2.11

-52.61%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$2.81 $2.81

-81.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$9.18 $9.18

-75.05%

Wine (Bottle)

$22.07 Rp 397.3K

$15.72 $15.72

40.39%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.71 $1.71

37.43%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$6.10 $6.10

-51.15%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.75 $1.75

-86.86%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$4.96 $4.96

-90.52%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.72 $1.72

-75.00%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$26.71 $26.71

-79.52%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.93 $0.93

-10.75%

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

$23.9K Rp 429.8M

$27.7K $27.7K

-13.94%

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

$32.8K Rp 590.1M

$25.9K $25.9K

26.79%

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

$80.0 Rp 1.4M

$187 $187

-57.31%

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

$6.56 Rp 118.1K

$51.0 $51.0

-87.14%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$75.4 $75.4

-75.33%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$41.49 $41.49

30.44%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$14.39 $14.39

-70.47%

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

$493 Rp 8.9M

$531 $531

-7.21%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$6,531 $6,531

-14.30%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$40.25 $40.25

13.24%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$48.12 $48.12

-27.35%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$70.4 $70.4

10.48%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$123 $123

-36.30%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,589 $1,589

-28.81%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,296 $1,296

-48.09%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,513 $2,513

43.77%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$2,130 $2,130

-20.10%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,848 $2,848

-4.58%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,178 $2,178

2.88%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.74

104.45%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Nicholasville, KY: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Nicholasville, KY

$1.3K 52.4% 92.6% $623

Groceries & Markets

Ubud, Bali

$287 21.2%

Nicholasville, KY

$392 15.9% 36.7% $105

Clothing & Footwear

Ubud, Bali

$107 7.9%

Nicholasville, KY

$127 5.1% 19.1% $20

Eating Out

Ubud, Bali

$106 7.9%

Nicholasville, KY

$252 10.2% 137% $146

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Nicholasville, KY

$314 12.7% 198% $209

Sport & Entertainment

Ubud, Bali

$63 4.6%

Nicholasville, KY

$70 2.8% 12.2% $7.6

Getting Around

Ubud, Bali

$12 0.9%

Nicholasville, KY

$21 * 0.8% 65.6% $8.1

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 $1,589 in Nicholasville, KY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $57.0 in Nicholasville, KY. Monthly groceries follow the same trend: $287 vs $392 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Nicholasville, KY

🕒 Local time

15:37 3:37 PM

03:37 3:37 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

24,791

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

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).

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Nicholasville, KY 16,190 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Nicholasville, KY

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 Nicholasville, KY: Cost of Living - Frequently Asked Questions

Nicholasville, KY costs about 83% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $3,708 in Nicholasville, KY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,353 in Ubud, Bali and $2,472 in Nicholasville, KY. That's a gap of about 83%.

Kindergarten costs $493 per month in Ubud, Bali and $531 in Nicholasville, KY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in Nicholasville, KY at $2,472. In Ubud, Bali it covers expenses comfortably, while in Nicholasville, KY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,353 versus $2,472 in Nicholasville, KY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Nicholasville, KY makes more sense. Both are solid long-term options with distinct trade-offs.