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: $1,396 in Ubud, Bali versus $336 in Njombe.

Estimated couple costs with rent: $2,334 in Ubud, Bali versus $516 in Njombe.

Monthly costs for a family of three with rent: $3,273 in Ubud, Bali versus $696 in Njombe.

Living in Ubud, Bali is roughly 315% more expensive than in Njombe, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 2% above, Njombe is 76% below.

Meal at Budget Restaurant

$3.37 Rp 59.7K

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

Cappuccino

$2.64 Rp 46.8K

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

$1.67 Rp 29.6K

Water (0.33 liter bottle)

$0.77 Rp 13.6K

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

Milk (1 liter)

$1.55 Rp 27.3K

$0.96 TZS 2,525

61.46%

White Bread (500g)

$2.22 Rp 39.3K

$0.59 TZS 1,548

276.27%

Rice (white) (1kg)

$1.13 Rp 19.9K

$0.98 TZS 2,578

15.31%

Eggs

$2.09 Rp 36.9K

$1.38 TZS 3,637

51.45%

Local Cheese (1kg)

$17.39 Rp 307.6K

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$3.76 TZS 9,875

2.93%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$3.05 TZS 8,009

311.48%

Apples (1kg)

$3.62 Rp 63.9K

$1.54 TZS 4,054

135.06%

Banana (1kg)

$1.56 Rp 27.6K

$1.75 TZS 4,596

-10.86%

Oranges (1kg)

$2.35 Rp 41.6K

$1.78 TZS 4,670

32.02%

Tomato (1kg)

$2.06 Rp 36.4K

$2.14 TZS 5,613

-3.74%

Potato (1kg)

$1.90 Rp 33.6K

$1.36 TZS 3,574

39.71%

Onion (1kg)

$2.34 Rp 41.3K

$2.41 TZS 6,333

-2.90%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.40 TZS 1,047

157.50%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$0.40 TZS 1,046

37.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$1.68 TZS 4,426

33.93%

Wine (Bottle)

$23.81 Rp 421.0K

$1.88 TZS 4,941

1166.49%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

$1.31 TZS 3,438

76.34%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

$2.07 TZS 5,439

35.27%

One-way Ticket (Public Transport)

$0.27 Rp 4,816

$0.27 TZS 715

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

$19.71 TZS 51.8K

-56.06%

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$1.47 TZS 3,864

-67.35%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$1.10 TZS 2,894

-59.09%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$5.61 TZS 14.7K

1.96%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.23 TZS 3,228

-38.21%

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

$24.5K Rp 433.0M

$17.8K TZS 46.8M

37.45%

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

$32.1K Rp 568.0M

$11.2K TZS 29.6M

185.66%

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

$83.6 Rp 1.5M

$20.40 TZS 53.6K

309.56%

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

$6.46 Rp 114.2K

$15.27 TZS 40.2K

-57.69%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$56.6 TZS 148.9K

-66.46%

Gym Membership (Monthly)

$56.0 Rp 989.8K

$22.60 TZS 59.4K

147.65%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

$7.39 TZS 19.4K

151.96%

Cinema Ticket

$4.28 Rp 75.7K

$3.70 TZS 9,738

15.68%

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

$487 Rp 8.6M

$315 TZS 828.3K

54.42%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$15.27 TZS 40.2K

198.36%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$20.84 TZS 54.8K

74.57%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$16.93 TZS 44.5K

384.11%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$14.97 TZS 39.4K

437.07%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$114 TZS 300.0K

878.35%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$37.47 TZS 98.5K

1771.04%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$192 TZS 504.1K

1744.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$112 TZS 293.7K

1477.77%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$256 TZS 672.3K

-33.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

14.83%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Njombe: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,117 in Ubud, Bali and $114 in Njombe. Housing cost is often the main lever when comparing two cities.

Njombe pays 51% 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 315% in total monthly costs ($1,396 vs $336 including rent). Njombe is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 51% 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: $1,117 in Ubud, Bali versus $114 in Njombe. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $487 in Ubud, Bali versus $315 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 128% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $336 in Njombe versus $1,396 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 315% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.