Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Otsego, MN

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,445 in Otsego, MN, rent and utilities included – about $13,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
119

Cost of Living Index in Otsego, MN
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Otsego, MN Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Otsego, MN

🇺🇸 United States

$2,445

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Otsego, MN

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,445 in Otsego, MN.

Ubud, Bali $1,353
Otsego, MN $2,445

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $3,532 in Otsego, MN.

Ubud, Bali $2,297
Otsego, MN $3,532

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $4,620 in Otsego, MN.

Ubud, Bali $3,241
Otsego, MN $4,620

Living in Ubud, Bali costs roughly 45% less than in Otsego, MN, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Otsego, MN 80% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$15.24 $15.24

-78.81%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$69.2 $69.2

-49.60%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$9.92 $9.92

-42.54%

Cappuccino

$2.62 Rp 47.1K

$3.90 $3.90

-32.82%

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

$1.72 Rp 31.0K

$3.13 $3.13

-45.05%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$2.60 $2.60

-68.85%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$5.48 $5.48

-51.64%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$7.54 $7.54

-42.04%

Milk (1 liter)

$1.57 Rp 28.3K

$0.91 $0.91

72.53%

White Bread (500g)

$2.19 Rp 39.5K

$2.73 $2.73

-19.78%

Rice (white) (1kg)

$1.18 Rp 21.2K

$3.34 $3.34

-64.67%

Eggs

$2.16 Rp 38.8K

$3.00 $3.00

-28.00%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.76 $9.76

80.84%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$9.68 $9.68

-60.95%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$13.45 $13.45

-11.15%

Apples (1kg)

$3.60 Rp 64.8K

$4.91 $4.91

-26.68%

Banana (1kg)

$1.59 Rp 28.6K

$1.11 $1.11

43.24%

Oranges (1kg)

$2.31 Rp 41.6K

$6.03 $6.03

-61.69%

Tomato (1kg)

$1.91 Rp 34.3K

$4.30 $4.30

-55.58%

Potato (1kg)

$1.78 Rp 32.1K

$3.93 $3.93

-54.71%

Onion (1kg)

$2.33 Rp 41.9K

$3.52 $3.52

-33.81%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.99 $1.99

-49.75%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$1.74 $1.74

-69.54%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$12.79 $12.79

-82.10%

Wine (Bottle)

$22.07 Rp 397.3K

$14.77 $14.77

49.42%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.76 $1.76

33.52%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.47 $3.47

-14.12%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$2.01 $2.01

-88.56%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.43 $2.43

-80.66%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.54 $1.54

-72.08%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$31.12 $31.12

-82.42%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.99 $0.99

-16.16%

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

$23.9K Rp 429.8M

$26.9K $26.9K

-11.20%

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

$32.8K Rp 590.1M

$25.7K $25.7K

27.39%

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

$80.0 Rp 1.4M

$229 $229

-65.13%

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

$6.56 Rp 118.1K

$45.44 $45.44

-85.56%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$59.3 $59.3

-68.63%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$42.09 $42.09

28.58%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$13.24 $13.24

-67.90%

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

$493 Rp 8.9M

$1,451 $1,451

-66.04%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$28.1K $28.1K

-80.09%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$42.34 $42.34

7.65%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$39.96 $39.96

-12.51%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$81.1 $81.1

-4.17%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$112 $112

-29.59%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,574 $1,574

-28.11%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,286 $1,286

-47.69%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,547 $2,547

41.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$2,115 $2,115

-19.53%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,398 $2,398

13.31%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,044 $2,044

9.62%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,457 $3,457

-95.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.31

118.38%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Otsego, MN: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Otsego, MN

$1.3K 52.6% 91.2% $614

Groceries & Markets

Ubud, Bali

$287 21.2%

Otsego, MN

$350 14.3% 21.7% $62

Clothing & Footwear

Ubud, Bali

$107 7.9%

Otsego, MN

$124 5.1% 16.1% $17

Eating Out

Ubud, Bali

$106 7.9%

Otsego, MN

$264 10.8% 148% $158

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Otsego, MN

$334 13.7% 218% $229

Sport & Entertainment

Ubud, Bali

$63 4.6%

Otsego, MN

$69 2.8% 9.5% $5.9

Getting Around

Ubud, Bali

$12 0.9%

Otsego, MN

$18 * 0.8% 46.5% $5.8

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,574 in Otsego, MN. Housing cost is often the main lever when comparing two cities.

Otsego, MN pays 1978% 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: $35.00 in Ubud, Bali vs $69.0 in Otsego, MN for a mid-range dinner for two. Groceries echo the gap at $287 vs $350 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Otsego, MN

🕒 Local time

16:10 4:10 PM

03:10 3:10 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

12,067

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Otsego, MN 15,080 km ≈ 19 h nonstop flight

From you

Ubud, Bali
Otsego, MN

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 Otsego, MN: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, clothing, and eating out. The 81% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1978% lower in Otsego, MN. 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: $1,131 in Ubud, Bali versus $1,574 in Otsego, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Otsego, MN. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,353 per month in Ubud, Bali versus $2,445 in Otsego, MN – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $2,445 in Otsego, MN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Otsego, MN. 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 Otsego, MN, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Otsego, MN 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 81% less than in Otsego, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.