Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ocotal

For one person, living is cheaper in Ocotal: $823 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
39

Cost of Living Index in Ocotal
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Ocotal Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ocotal

🇳🇮 Nicaragua

$823

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $823 in Ocotal, rent included.

Ubud, Bali $1,349
Ocotal $823

A couple spends around $2,305 per month in Ubud, Bali vs $1,290 in Ocotal, rent included.

Ubud, Bali $2,305
Ocotal $1,290

A family of three spends $3,261 per month in Ubud, Bali vs $1,757 in Ocotal, rent included.

Ubud, Bali $3,261
Ocotal $1,757

Ubud, Bali costs about 64% more than Ocotal, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$10.07 NIO 369

-67.03%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$35.65 NIO 1,306

-0.03%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$7.83 NIO 287

-29.37%

Cappuccino

$2.72 Rp 49.3K

$2.56 NIO 93.8

6.25%

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

$1.70 Rp 30.9K

$0.90 NIO 32.79

88.89%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.70 NIO 25.58

8.57%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.47 NIO 53.8

80.27%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$2.29 NIO 83.8

91.27%

Milk (1 liter)

$1.49 Rp 27.1K

$1.26 NIO 46.07

18.25%

White Bread (500g)

$2.28 Rp 41.3K

$2.39 NIO 87.6

-4.60%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.87 NIO 68.4

-36.36%

Eggs

$2.04 Rp 36.9K

$2.42 NIO 88.5

-15.70%

Local Cheese (1kg)

$17.70 Rp 321.2K

$11.77 NIO 431

50.38%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$6.48 NIO 237

-38.89%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$7.76 NIO 284

57.09%

Apples (1kg)

$3.66 Rp 66.3K

$3.99 NIO 146

-8.27%

Banana (1kg)

$1.52 Rp 27.5K

$0.58 NIO 21.36

162.07%

Oranges (1kg)

$2.23 Rp 40.4K

$1.75 NIO 64.2

27.43%

Tomato (1kg)

$1.97 Rp 35.8K

$2.51 NIO 91.9

-21.51%

Potato (1kg)

$1.85 Rp 33.5K

$4.02 NIO 147

-53.98%

Onion (1kg)

$2.42 Rp 44.0K

$2.28 NIO 83.4

6.14%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.08 NIO 39.63

-8.33%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.05 NIO 38.62

-51.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.67 NIO 97.8

-16.85%

Wine (Bottle)

$22.24 Rp 403.6K

$14.63 NIO 536

52.02%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.41 NIO 51.6

60.28%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.21 NIO 80.8

34.39%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$1.60 NIO 58.4

-72.50%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$1.61 NIO 58.8

-73.29%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$6.75 NIO 247

-19.85%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.30 NIO 47.78

-36.92%

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

$23.8K Rp 432.6M

$23.0K NIO 842.2K

3.68%

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

$31.7K Rp 576.1M

$26.2K NIO 961.2K

20.97%

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

$79.1 Rp 1.4M

$150 NIO 5,498

-47.34%

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

$6.45 Rp 117.0K

$19.84 NIO 726

-67.49%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$32.08 NIO 1,175

-42.08%

Gym Membership (Monthly)

$49.48 Rp 897.9K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$4.27 Rp 77.6K

$9.22 NIO 338

-53.69%

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

$491 Rp 8.9M

$236 NIO 8,654

107.61%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$5,977 NIO 218.9K

-5.08%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$60.3 NIO 2,208

-25.97%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$64.8 NIO 2,373

-46.06%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$125 NIO 4,575

-36.04%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$145 NIO 5,321

-45.33%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.92

15.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Ocotal: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ocotal

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Ocotal

$262 31.8% 9.2% $27

Eating Out

Ubud, Bali

$108 8%

Ocotal

$153 18.6% 42.2% $45

Clothing & Footwear

Ubud, Bali

$108 8%

Ocotal

$178 21.6% 65.5% $70

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ocotal

$202 24.6% 94.1% $98

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ocotal

$18 * 2.2% 68.2% $40

Getting Around

Ubud, Bali

$11 0.9%

Ocotal

$9.6 * 1.2% 15.8% $1.8

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

Cost Breakdown

A mid-range dinner for two costs $36 in Ubud, Bali versus $36 in Ocotal. Groceries tell a different story – $288 in Ubud, Bali vs $262 in Ocotal – so Ocotal wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇳🇮 Ocotal

🕒 Local time

11:15 11:15 AM

21:15 9:15 PM

14 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

34,580

💱 Currency

Indonesian Rupiah IDR Rp

Nicaraguan Córdoba NIO C$

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 NIO = 2.73 USD

100 NIO = 2.44 EUR

Exchange rates and currency converter

NIO, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

Nicaraguan Córdoba exchange rates as of November 3, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 41.05 NIO (100 NIO = 2.44 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ocotal 17,570 km ≈ 22 h nonstop flight

From you

Ubud, Bali
Ocotal

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 Ocotal: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 64%, and outside of rent the gap shows up most in leisure.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,234 in Ocotal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 10% more in Ubud, Bali, though the gap depends on what you buy.

Kindergarten costs $491 per month in Ubud, Bali and $236 in Ocotal. 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 Ocotal, where all-in costs run around $823, than in Ubud, Bali at $1,349. In Ocotal it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $823 in Ocotal to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.