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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,808 in Olsztyn.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $2,733 in Olsztyn.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $3,659 in Olsztyn.

Living in Ubud, Bali costs roughly 24% less than in Olsztyn, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Olsztyn 32% above.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$13.39 zł 50.8

-74.31%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

$51.9 zł 197

-30.00%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$9.10 zł 34.53

-37.25%

Cappuccino

$2.67 Rp 47.4K

$3.45 zł 13.10

-22.61%

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

$1.75 Rp 31.0K

$2.52 zł 9.57

-30.56%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$1.98 zł 7.53

-56.06%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$3.18 zł 12.06

-7.23%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

$3.98 zł 15.10

13.57%

Milk (1 liter)

$1.62 Rp 28.7K

$1.07 zł 4.07

51.40%

White Bread (500g)

$2.33 Rp 41.3K

$1.37 zł 5.21

70.07%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.50 zł 5.69

-26.00%

Eggs

$2.20 Rp 39.0K

$4.06 zł 15.42

-45.81%

Local Cheese (1kg)

$17.69 Rp 313.9K

$10.13 zł 38.45

74.63%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$7.73 zł 29.34

-46.96%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$15.62 zł 59.3

-22.02%

Apples (1kg)

$3.71 Rp 65.8K

$1.23 zł 4.68

201.63%

Banana (1kg)

$1.59 Rp 28.2K

$1.75 zł 6.62

-9.14%

Oranges (1kg)

$2.28 Rp 40.5K

$1.87 zł 7.09

21.93%

Tomato (1kg)

$1.95 Rp 34.7K

$3.49 zł 13.25

-44.13%

Potato (1kg)

$1.91 Rp 33.8K

$1.02 zł 3.87

87.25%

Onion (1kg)

$2.33 Rp 41.4K

$1.27 zł 4.83

83.46%

Lettuce (1 head)

$1.01 Rp 17.9K

$1.36 zł 5.15

-25.74%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$0.75 zł 2.86

-26.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$5.72 zł 21.72

-61.01%

Wine (Bottle)

$23.07 Rp 409.3K

$7.91 zł 30.02

191.66%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.15 zł 4.36

110.43%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$1.63 zł 6.17

84.05%

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$1.09 zł 4.13

-75.23%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

$26.74 zł 102

-66.42%

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$2.07 zł 7.86

-76.81%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

$0.77 zł 2.91

-44.16%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$10.58 zł 40.15

-46.69%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.61 zł 6.11

-50.31%

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

$24.9K Rp 442.5M

$33.2K zł 126.1K

-24.91%

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

$31.7K Rp 562.6M

$29.8K zł 113.3K

6.26%

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

$81.5 Rp 1.4M

$305 zł 1,157

-73.28%

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

$6.49 Rp 115.2K

$9.77 zł 37.09

-33.57%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$18.85 zł 71.6

-0.42%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$52.6 zł 200

8.14%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$23.45 zł 89.0

-20.13%

Cinema Ticket

$4.54 Rp 80.5K

$9.43 zł 35.78

-51.86%

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

$481 Rp 8.5M

$403 zł 1,531

19.16%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$14.6K zł 55.4K

-60.87%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$104 zł 393

-56.05%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$50.7 zł 192

-29.16%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$105 zł 398

-23.25%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$108 zł 408

-26.87%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$919 zł 3,487

21.33%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$735 zł 2,791

-5.12%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$1,785 zł 6,777

103.72%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$1,404 zł 5,329

23.76%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$3,850 zł 14.6K

-27.69%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$2,698 zł 10.2K

-15.15%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$1,456 zł 5,528

-88.46%

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: September 14, 2026

Last update for Olsztyn: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $919 in Olsztyn. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 767% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $52.0 in Olsztyn. Groceries flip the comparison at $295 vs $249, with Olsztyn cheaper for home cooking.

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 cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 32% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 767% lower in Olsztyn. 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: $1,115 in Ubud, Bali versus $919 in Olsztyn. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 18% 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 $36.00 versus $52.0 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $1,808 in Olsztyn, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Olsztyn. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Olsztyn, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Olsztyn 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 Ubud, Bali gentler on the wallet – expenses run 32% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.