Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,977 in Owensboro, KY, rent and utilities included – about $7,500 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
95

Cost of Living Index in Owensboro, KY
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Owensboro, KY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Owensboro, KY

🇺🇸 United States

$1,977

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Owensboro, KY

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,977 in Owensboro, KY.

Ubud, Bali $1,349
Owensboro, KY $1,977

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,919 in Owensboro, KY.

Ubud, Bali $2,305
Owensboro, KY $2,919

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,861 in Owensboro, KY.

Ubud, Bali $3,261
Owensboro, KY $3,861

Living in Ubud, Bali costs roughly 32% less than in Owensboro, KY, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$19.39 $19.39

-82.88%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$59.8 $59.8

-40.44%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$9.82 $9.82

-43.69%

Cappuccino

$2.72 Rp 49.4K

$5.53 $5.53

-50.81%

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

$1.70 Rp 30.9K

$1.88 $1.88

-9.57%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.35 $1.35

-43.70%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.99 $3.99

-33.58%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$4.96 $4.96

-11.69%

Milk (1 liter)

$1.49 Rp 27.1K

$0.79 $0.79

88.61%

White Bread (500g)

$2.28 Rp 41.4K

$3.24 $3.24

-29.63%

Rice (white) (1kg)

$1.19 Rp 21.6K

$4.28 $4.28

-72.20%

Eggs

$2.04 Rp 37.0K

$3.02 $3.02

-32.45%

Local Cheese (1kg)

$17.70 Rp 321.7K

$6.67 $6.67

165.37%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$11.01 $11.01

-64.03%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$12.10 $12.10

0.74%

Apples (1kg)

$3.66 Rp 66.4K

$4.34 $4.34

-15.67%

Banana (1kg)

$1.52 Rp 27.6K

$1.24 $1.24

22.58%

Oranges (1kg)

$2.23 Rp 40.5K

$2.69 $2.69

-17.10%

Tomato (1kg)

$1.97 Rp 35.9K

$3.56 $3.56

-44.66%

Potato (1kg)

$1.85 Rp 33.6K

$2.27 $2.27

-18.50%

Onion (1kg)

$2.42 Rp 44.1K

$2.17 $2.17

11.52%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.06 $2.06

-51.94%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.51 $1.51

-66.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$8.73 $8.73

-74.57%

Wine (Bottle)

$22.24 Rp 404.2K

$7.85 $7.85

183.31%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.86 $1.86

21.51%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$4.94 $4.94

-39.88%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.02 $1.02

-75.49%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$30.58 $30.58

-74.43%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$5.54 $5.54

-92.06%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.04 $1.04

-58.65%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$18.13 $18.13

-70.16%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.86 $0.86

-4.65%

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

$23.8K Rp 433.3M

$27.9K $27.9K

-14.52%

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

$31.7K Rp 577.0M

$27.2K $27.2K

16.75%

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

$79.1 Rp 1.4M

$172 $172

-54.01%

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

$6.45 Rp 117.2K

$60.9 $60.9

-89.41%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$59.7 $59.7

-68.89%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$49.91 $49.91

-0.86%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$10.17 $10.17

73.55%

Cinema Ticket

$4.27 Rp 77.7K

$13.19 $13.19

-67.63%

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

$491 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$74.5 $74.5

-40.06%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$43.29 $43.29

-19.27%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$68.0 $68.0

17.47%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$89.3 $89.3

-11.03%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$844 $844

33.30%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$834 $834

-19.52%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,441 $1,441

147.39%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,364 $1,364

26.38%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$1,744 $1,744

56.59%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,738 $1,738

31.40%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,362 $3,362

-95.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.55

110.38%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Owensboro, KY: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Owensboro, KY

$834 42.2% 24.3% $163

Groceries & Markets

Ubud, Bali

$288 21.4%

Owensboro, KY

$311 15.7% 7.8% $22

Eating Out

Ubud, Bali

$108 8%

Owensboro, KY

$294 14.9% 173% $186

Clothing & Footwear

Ubud, Bali

$108 8%

Owensboro, KY

$124 6.3% 15.1% $16

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Owensboro, KY

$293 14.8% 181% $188

Sport & Entertainment

Ubud, Bali

$58 4.3%

Owensboro, KY

$76 3.9% 31.5% $18

Getting Around

Ubud, Bali

$11 0.9%

Owensboro, KY

$45 2.3% 298% $34

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $844 in Owensboro, KY. Housing cost is often the main lever when comparing two cities.

Owensboro, KY pays about 21 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $60 in Owensboro, KY for a mid-range dinner for two. Groceries echo the gap at $288 vs $311 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Owensboro, KY

🕒 Local time

06:29 6:29 AM

17:29 5:29 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

55,525

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 USD = 0.898 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 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 28, 2026: 1 EUR = 1.11 USD (1 USD = 0.898 EUR).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Owensboro, KY 16,060 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Owensboro, KY

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 Owensboro, KY: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 32% 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 95% 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: $1,125 in Ubud, Bali versus $844 in Owensboro, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $60 in Owensboro, KY. If you eat out regularly, this makes a real dent in your monthly spending.

A monthly transit pass in Ubud, Bali runs roughly 74% less than in Owensboro, KY. The price difference matters if you commute daily and watch your budget.

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.

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