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: $1,408 in Ubud, Bali versus $343 in Njombe.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $524 in Njombe.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $705 in Njombe.

Living in Ubud, Bali is roughly 310% more expensive than in Njombe, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Njombe is 74% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

Cappuccino

$2.75 Rp 49.4K

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

$1.38 Rp 24.9K

Water (0.33 liter bottle)

$0.75 Rp 13.5K

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

Milk (1 liter)

$1.74 Rp 31.2K

$0.96 TZS 2,510

81.25%

White Bread (500g)

$2.46 Rp 44.2K

$0.55 TZS 1,452

347.27%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.95 TZS 2,482

23.16%

Eggs

$2.43 Rp 43.7K

$1.38 TZS 3,614

76.09%

Local Cheese (1kg)

$14.50 Rp 260.6K

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$3.92 TZS 10.3K

10.97%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$3.01 TZS 7,897

298.01%

Apples (1kg)

$3.72 Rp 66.8K

$1.51 TZS 3,960

146.36%

Banana (1kg)

$1.63 Rp 29.2K

$1.70 TZS 4,468

-4.12%

Oranges (1kg)

$2.74 Rp 49.3K

$1.90 TZS 4,983

44.21%

Tomato (1kg)

$2.24 Rp 40.3K

$0.98 TZS 2,560

128.57%

Potato (1kg)

$1.92 Rp 34.5K

$1.31 TZS 3,450

46.56%

Onion (1kg)

$2.28 Rp 40.9K

$2.53 TZS 6,631

-9.88%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.41 TZS 1,073

158.54%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.37 TZS 976

94.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$1.71 TZS 4,488

92.40%

Wine (Bottle)

$23.19 Rp 416.8K

$1.88 TZS 4,930

1133.51%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.32 TZS 3,466

110.61%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$2.16 TZS 5,676

26.39%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.26 TZS 681

3.85%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$20.36 TZS 53.4K

-60.17%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.53 TZS 4,008

-68.63%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.17 TZS 3,077

-64.10%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$5.88 TZS 15.4K

5.78%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.25 TZS 3,284

-35.20%

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

$26.6K Rp 478.2M

$18.3K TZS 47.9M

45.70%

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

$32.2K Rp 578.5M

$11.4K TZS 30.0M

181.93%

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

$78.4 Rp 1.4M

$20.93 TZS 54.9K

274.34%

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

$4.07 Rp 73.1K

$15.20 TZS 39.9K

-73.22%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$57.2 TZS 150.0K

-57.44%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$23.08 TZS 60.6K

327.25%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$7.58 TZS 19.9K

-16.36%

Cinema Ticket

$3.99 Rp 71.6K

$3.90 TZS 10.2K

2.31%

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

$305 Rp 5.5M

$333 TZS 873.7K

-8.39%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$15.33 TZS 40.2K

253.16%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$21.54 TZS 56.5K

75.53%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$17.47 TZS 45.9K

397.08%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$15.60 TZS 40.9K

389.42%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$115 TZS 301.7K

762.82%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$38.96 TZS 102.2K

1626.72%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$193 TZS 506.0K

1650.05%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$115 TZS 301.9K

1681.84%

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

$260 TZS 682.9K

-35.85%

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: July 11, 2026

Last update for Njombe: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $115 in Njombe. Housing cost is often the main lever when comparing two cities.

Njombe pays 56% 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 310% in total monthly costs ($1,408 vs $343 including rent). Njombe is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 56% lower in Njombe. 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: $992 in Ubud, Bali versus $115 in Njombe. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $333 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 151% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $343 in Njombe versus $1,408 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 310% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.