Cost of Living Comparison Between Ubud, Bali and Owensboro, KY Cost of Living Comparison Between Ubud, Bali and Owensboro, KY

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,916 in Owensboro, KY.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,723 in Owensboro, KY.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $3,530 in Owensboro, KY.

Living in Ubud, Bali costs roughly 27% less than in Owensboro, KY, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Owensboro, KY 43% above.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$17.89 $17.89

-80.72%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$59.8 $59.8

-45.94%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$9.86 $9.86

-50.91%

Cappuccino

$2.75 Rp 49.4K

$5.80 $5.80

-52.59%

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

$1.38 Rp 24.9K

$1.92 $1.92

-28.13%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$1.34 $1.34

-44.03%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$4.07 $4.07

-26.54%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$4.89 $4.89

-21.27%

Milk (1 liter)

$1.74 Rp 31.2K

$1.15 $1.15

51.30%

White Bread (500g)

$2.46 Rp 44.2K

$3.41 $3.41

-27.86%

Rice (white) (1kg)

$1.17 Rp 21.0K

$4.32 $4.32

-72.92%

Eggs

$2.43 Rp 43.7K

$3.77 $3.77

-35.54%

Local Cheese (1kg)

$14.50 Rp 260.6K

$6.51 $6.51

122.73%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$11.23 $11.23

-61.26%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$8.69 $8.69

37.86%

Apples (1kg)

$3.72 Rp 66.8K

$4.37 $4.37

-14.87%

Banana (1kg)

$1.63 Rp 29.2K

$1.34 $1.34

21.64%

Oranges (1kg)

$2.74 Rp 49.3K

$2.56 $2.56

7.03%

Tomato (1kg)

$2.24 Rp 40.3K

$3.46 $3.46

-35.26%

Potato (1kg)

$1.92 Rp 34.5K

$2.24 $2.24

-14.29%

Onion (1kg)

$2.28 Rp 40.9K

$2.21 $2.21

3.17%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.95 $1.95

-45.64%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.49 $1.49

-51.68%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$9.19 $9.19

-64.20%

Wine (Bottle)

$23.19 Rp 416.8K

$7.89 $7.89

193.92%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$2.02 $2.02

37.62%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$4.42 $4.42

-38.24%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.02 $1.02

-73.53%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$30.01 $30.01

-72.98%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$5.02 $5.02

-90.44%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.52 $1.52

-72.37%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$21.07 $21.07

-70.48%

Gasoline (1 liter)

$0.81 Rp 14.6K

$0.73 $0.73

10.96%

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

$26.6K Rp 478.2M

$32.3K $32.3K

-17.58%

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

$32.2K Rp 578.5M

$26.7K $26.7K

20.61%

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

$78.4 Rp 1.4M

$171 $171

-54.30%

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

$4.07 Rp 73.1K

$59.0 $59.0

-93.10%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$59.1 $59.1

-58.80%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$50.3 $50.3

95.97%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$10.03 $10.03

-36.79%

Cinema Ticket

$3.99 Rp 71.6K

$13.39 $13.39

-70.20%

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

$305 Rp 5.5M

$1,247 $1,247

-75.54%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$30.8K $30.8K

-78.45%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$60.4 $60.4

-10.33%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$47.94 $47.94

-21.13%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$94.1 $94.1

-7.70%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$133 $133

-42.43%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$730 $730

35.87%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$773 $773

-13.03%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$1,052 $1,052

220.86%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$942 $942

117.68%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$1,648 $1,648

70.22%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$1,698 $1,698

31.12%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$3,297 $3,297

-94.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.47

105.26%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Owensboro, KY: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $730 in Owensboro, KY. Housing cost is often the main lever when comparing two cities.

Owensboro, KY pays 1875% 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: $32.00 in Ubud, Bali vs $60.0 in Owensboro, KY for a mid-range dinner for two. Groceries echo the gap at $297 vs $309 per month, with Ubud, Bali cheaper across the board.

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 Owensboro, KY: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 36% lower than in Owensboro, KY. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 1875% lower in Owensboro, KY. 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: $992 in Ubud, Bali versus $730 in Owensboro, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,408 per month in Ubud, Bali versus $1,916 in Owensboro, KY – a 36% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 270% less than in Owensboro, KY. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,408 in Ubud, Bali versus $1,916 in Owensboro, KY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Owensboro, KY. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,408 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Owensboro, KY 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 36% less than in Owensboro, KY. Beyond cost, consider language, visa policies, and how big the international community is in each city.