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: $1,419 in Ubud, Bali versus $1,464 in Olsztyn.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,997 in Olsztyn.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $2,531 in Olsztyn.

Living in Ubud, Bali costs roughly 3% less than in Olsztyn, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Ubud, Bali 6% above, Olsztyn 9% above.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$10.65 zł 38.84

-66.57%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$46.46 zł 169

-29.55%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$7.51 zł 27.37

-34.09%

Cappuccino

$2.71 Rp 48.4K

$2.96 zł 10.80

-8.45%

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

$1.34 Rp 24.0K

$1.69 zł 6.16

-20.71%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$1.84 zł 6.69

-61.96%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$3.27 zł 11.94

-10.70%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$3.82 zł 13.93

3.66%

Milk (1 liter)

$1.81 Rp 32.3K

$1.10 zł 4.03

64.55%

White Bread (500g)

$2.52 Rp 45.0K

$1.32 zł 4.82

90.91%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.50 zł 5.46

-22.67%

Eggs

$2.46 Rp 43.9K

$3.45 zł 12.59

-28.70%

Local Cheese (1kg)

$14.71 Rp 262.7K

$8.89 zł 32.40

65.47%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$6.01 zł 21.92

-28.12%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$10.06 zł 36.69

20.68%

Apples (1kg)

$3.84 Rp 68.6K

$1.10 zł 4.00

249.09%

Banana (1kg)

$1.56 Rp 27.8K

$1.58 zł 5.75

-1.27%

Oranges (1kg)

$2.83 Rp 50.6K

$2.04 zł 7.43

38.73%

Tomato (1kg)

$2.33 Rp 41.5K

$2.78 zł 10.14

-16.19%

Potato (1kg)

$1.91 Rp 34.2K

$0.79 zł 2.89

141.77%

Onion (1kg)

$2.20 Rp 39.3K

$1.24 zł 4.50

77.42%

Lettuce (1 head)

$1.01 Rp 18.1K

$1.15 zł 4.19

-12.17%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.68 zł 2.46

14.71%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$5.57 zł 20.30

-40.39%

Wine (Bottle)

$23.74 Rp 423.9K

$8.14 zł 29.68

191.65%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.02 zł 3.71

173.53%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$1.71 zł 6.23

67.25%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$1.12 zł 4.08

-75.89%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$27.10 zł 98.8

-70.37%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$1.98 zł 7.21

-76.77%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.74 zł 2.69

-39.19%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$13.79 zł 50.3

-55.77%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.78 zł 6.48

-55.62%

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

$26.1K Rp 467.0M

$32.8K zł 119.4K

-20.16%

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

$32.1K Rp 573.6M

$30.8K zł 112.3K

4.27%

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

$79.9 Rp 1.4M

$271 zł 989

-70.54%

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

$4.06 Rp 72.6K

$9.10 zł 33.18

-55.38%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$17.49 zł 63.7

34.48%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$32.68 zł 119

202.02%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$16.36 zł 59.6

-59.47%

Cinema Ticket

$4.15 Rp 74.1K

$8.01 zł 29.18

-48.19%

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

$304 Rp 5.4M

$133 zł 486

127.86%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$15.6K zł 56.8K

-57.54%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$96.0 zł 350

-42.14%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$46.72 zł 170

-18.00%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$82.9 zł 302

6.85%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$108 zł 394

-27.87%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$640 zł 2,332

57.34%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$551 zł 2,007

22.65%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$979 zł 3,568

251.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$608 zł 2,218

235.19%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$3,992 zł 14.6K

-28.82%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$2,823 zł 10.3K

-19.80%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,472 zł 5,364

-88.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.81

128.57%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Olsztyn: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $640 in Olsztyn. Housing cost is often the main lever when comparing two cities.

Olsztyn pays 791% 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: $33.00 in Ubud, Bali vs $46.00 in Olsztyn. Groceries flip the comparison at $302 vs $210, 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 Clothing & Footwear, Eating Out, Getting Around. The 3% gap adds up to real monthly savings that compound significantly over time.

On paper, Olsztyn earns 791% less. 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: $1,006 in Ubud, Bali versus $640 in Olsztyn. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Olsztyn pay roughly 44% 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 $33.00 versus $46.00 in Olsztyn. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,419 in Ubud, Bali versus $1,464 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 3% less than in Olsztyn. Beyond cost, consider language, visa policies, and how big the international community is in each city.