Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Olsztyn

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,703 in Olsztyn, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
81

Cost of Living Index in Olsztyn
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Olsztyn Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Olsztyn

🇵🇱 Poland

$1,703

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,703 in Olsztyn.

Ubud, Bali $1,331
Olsztyn $1,703

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $2,449 in Olsztyn.

Ubud, Bali $2,255
Olsztyn $2,449

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $3,196 in Olsztyn.

Ubud, Bali $3,180
Olsztyn $3,196

Living in Ubud, Bali costs roughly 22% less than in Olsztyn, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Olsztyn is 26% above.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$12.63 zł 49.27

-73.24%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$50.3 zł 196

-31.11%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$8.70 zł 33.94

-35.98%

Cappuccino

$2.62 Rp 47.5K

$3.29 zł 12.82

-20.36%

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

$1.54 Rp 27.9K

$2.48 zł 9.66

-37.90%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.85 zł 7.21

-65.41%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.09 zł 12.04

-13.59%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$3.75 zł 14.64

13.60%

Milk (1 liter)

$1.46 Rp 26.5K

$1.02 zł 3.99

43.14%

White Bread (500g)

$2.29 Rp 41.6K

$1.25 zł 4.88

83.20%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.38 zł 5.37

-19.57%

Eggs

$2.10 Rp 38.1K

$3.87 zł 15.11

-45.74%

Local Cheese (1kg)

$15.94 Rp 289.2K

$9.61 zł 37.51

65.87%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$7.55 zł 29.47

-48.61%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$14.51 zł 56.6

-21.43%

Apples (1kg)

$3.55 Rp 64.4K

$1.19 zł 4.64

198.32%

Banana (1kg)

$1.54 Rp 27.9K

$1.66 zł 6.46

-7.23%

Oranges (1kg)

$2.23 Rp 40.5K

$1.82 zł 7.08

22.53%

Tomato (1kg)

$1.97 Rp 35.8K

$3.44 zł 13.42

-42.73%

Potato (1kg)

$1.86 Rp 33.7K

$0.91 zł 3.55

104.40%

Onion (1kg)

$2.42 Rp 43.9K

$1.18 zł 4.61

105.08%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.34 zł 5.24

-23.88%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.72 zł 2.81

-27.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$5.49 zł 21.40

-59.93%

Wine (Bottle)

$21.79 Rp 395.2K

$7.81 zł 30.47

179.00%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.13 zł 4.42

106.19%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.56 zł 6.09

90.38%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$1.04 zł 4.05

-75.96%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$25.18 zł 98.3

-67.55%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$1.98 zł 7.72

-77.78%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.73 zł 2.85

-35.62%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$10.27 zł 40.07

-45.47%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.64 zł 6.40

-49.39%

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

$24.4K Rp 443.5M

$31.2K zł 121.9K

-21.76%

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

$31.7K Rp 575.0M

$28.9K zł 112.8K

9.62%

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

$77.5 Rp 1.4M

$336 zł 1,312

-76.96%

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

$6.14 Rp 111.5K

$9.64 zł 37.62

-36.31%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$18.98 zł 74.1

-0.32%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$45.06 zł 176

13.16%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$22.38 zł 87.3

-18.45%

Cinema Ticket

$4.38 Rp 79.5K

$8.70 zł 33.96

-49.66%

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

$492 Rp 8.9M

$374 zł 1,458

31.81%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$14.0K zł 54.6K

-12.69%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$98.8 zł 385

-54.27%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$47.62 zł 186

-26.73%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$99.9 zł 390

-21.57%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$104 zł 404

-24.79%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$820 zł 3,198

31.47%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$638 zł 2,491

4.16%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,308 zł 5,104

168.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$1,025 zł 3,998

63.06%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$3,616 zł 14.1K

-35.29%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,519 zł 9,827

-11.22%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,491 zł 5,816

-88.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.52

83.24%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Olsztyn: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Olsztyn

$638 37.5% 4% $27

Groceries & Markets

Ubud, Bali

$279 21%

Olsztyn

$238 14% 14.9% $42

Clothing & Footwear

Ubud, Bali

$106 8%

Olsztyn

$157 9.2% 48% $51

Eating Out

Ubud, Bali

$106 8%

Olsztyn

$207 12.1% 95.5% $101

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Olsztyn

$365 21.4% 256% $262

Sport & Entertainment

Ubud, Bali

$60 4.5%

Olsztyn

$62 3.7% 4.5% $2.7

Getting Around

Ubud, Bali

$12 0.9%

Olsztyn

$35 2.1% 193% $23

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $820 in Olsztyn. Housing cost is often the main lever when comparing two cities.

Olsztyn pays about 9 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $50 in Olsztyn. Groceries flip the comparison at $279 vs $238, with Olsztyn cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Olsztyn

🕒 Local time

08:57 8:57 AM

01:57 1:57 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

174,675

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.9 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

PLN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,421 IDR (100,000 IDR = 4.9 EUR).

Polish Złoty exchange rates as of November 5, 2026: 1 USD = 3.9 PLN (1 PLN = 0.256 USD). 1 EUR = 4.39 PLN (1 PLN = 0.228 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Olsztyn 11,080 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Olsztyn

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 Olsztyn: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 22% cheaper overall, especially in eating out, clothing, and transport. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 89% lower in Ubud, Bali. 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: $1,078 in Ubud, Bali versus $820 in Olsztyn. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 15% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $50 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Olsztyn are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Olsztyn on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.