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

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $341 in Njombe.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $510 in Njombe.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $680 in Njombe.

Living in Ubud, Bali is roughly 317% more expensive than Njombe, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Njombe is 75% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

Cappuccino

$2.71 Rp 48.4K

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

$1.34 Rp 24.0K

Water (0.33 liter bottle)

$0.70 Rp 12.5K

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

Milk (1 liter)

$1.81 Rp 32.3K

$1.01 TZS 2,604

79.21%

White Bread (500g)

$2.52 Rp 45.0K

$0.60 TZS 1,557

320.00%

Rice (white) (1kg)

$1.16 Rp 20.7K

$0.93 TZS 2,406

24.73%

Eggs

$2.46 Rp 43.9K

$1.37 TZS 3,535

79.56%

Local Cheese (1kg)

$14.71 Rp 262.7K

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$3.85 TZS 9,924

12.21%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$3.05 TZS 7,878

298.03%

Apples (1kg)

$3.84 Rp 68.6K

$1.59 TZS 4,106

141.51%

Banana (1kg)

$1.56 Rp 27.8K

$1.73 TZS 4,459

-9.83%

Oranges (1kg)

$2.83 Rp 50.6K

$1.81 TZS 4,669

56.35%

Tomato (1kg)

$2.33 Rp 41.5K

$0.97 TZS 2,511

140.21%

Potato (1kg)

$1.91 Rp 34.2K

$1.37 TZS 3,540

39.42%

Onion (1kg)

$2.20 Rp 39.3K

$2.48 TZS 6,403

-11.29%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.37 TZS 961

172.97%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.38 TZS 974

105.26%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$1.77 TZS 4,557

87.57%

Wine (Bottle)

$23.74 Rp 423.9K

$1.88 TZS 4,846

1162.77%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.37 TZS 3,542

103.65%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$2.07 TZS 5,334

38.16%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.26 TZS 667

3.85%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$20.36 TZS 52.5K

-60.56%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$1.58 TZS 4,071

-70.89%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$1.12 TZS 2,882

-59.82%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$5.68 TZS 14.7K

7.39%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.27 TZS 3,263

-37.80%

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

$26.1K Rp 467.0M

$18.6K TZS 48.0M

40.38%

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

$32.1K Rp 573.6M

$11.8K TZS 30.5M

171.72%

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

$79.9 Rp 1.4M

$21.57 TZS 55.6K

270.61%

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

$4.06 Rp 72.6K

$15.20 TZS 39.2K

-73.29%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$57.9 TZS 149.3K

-59.38%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$22.78 TZS 58.8K

333.27%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$7.51 TZS 19.4K

-11.72%

Cinema Ticket

$4.15 Rp 74.1K

$3.94 TZS 10.2K

5.33%

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

$304 Rp 5.4M

$325 TZS 837.4K

-6.38%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$15.55 TZS 40.1K

257.17%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$20.90 TZS 53.9K

83.30%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$17.12 TZS 44.2K

417.52%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$15.59 TZS 40.2K

399.49%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$118 TZS 304.5K

752.33%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$38.33 TZS 98.9K

1661.88%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$190 TZS 489.1K

1714.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$114 TZS 294.7K

1684.91%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$262 TZS 676.0K

-36.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

10.67%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Njombe: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $118 in Njombe. Housing cost is often the main lever when comparing two cities.

Njombe pays 59% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

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 Njombe: Cost of Living - Frequently Asked Questions

Ubud, Bali and Njombe differ by about 317% in total monthly costs ($1,419 vs $341 including rent). Njombe is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Njombe earns 59% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,006 in Ubud, Bali versus $118 in Njombe. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $325 in Njombe. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

A monthly transit pass in Njombe runs roughly 154% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $341 in Njombe versus $1,419 in Ubud, Bali, a $2,000 budget is realistic in Njombe but tight or insufficient in Ubud, Bali. The gap between the two cities makes Njombe the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Njombe 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 Njombe gentler on the wallet – expenses run 317% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.