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

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $615 in Oyo.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $1,120 in Oyo.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $1,625 in Oyo.

Living in Ubud, Bali is roughly 124% more expensive than in Oyo, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 1% above, Oyo is 55% below.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$3.79 ₦5,102

-12.66%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$50.7 ₦68.2K

-22.86%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$7.35 ₦9,894

-23.54%

Cappuccino

$2.64 Rp 46.9K

$2.73 ₦3,671

-3.30%

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

$1.58 Rp 28.2K

$0.44 ₦591

259.09%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.12 ₦162

491.67%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$0.39 ₦519

600.00%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$0.50 ₦671

764.00%

Milk (1 liter)

$1.54 Rp 27.4K

$3.10 ₦4,169

-50.32%

White Bread (500g)

$2.30 Rp 40.8K

$0.54 ₦730

325.93%

Rice (white) (1kg)

$1.03 Rp 18.3K

$0.86 ₦1,157

19.77%

Eggs

$2.12 Rp 37.7K

$2.15 ₦2,900

-1.40%

Local Cheese (1kg)

$17.30 Rp 307.5K

$3.42 ₦4,605

405.85%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$3.86 ₦5,198

4.40%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$4.38 ₦5,890

183.56%

Apples (1kg)

$3.70 Rp 65.7K

$1.70 ₦2,288

117.65%

Banana (1kg)

$1.62 Rp 28.7K

$1.23 ₦1,651

31.71%

Oranges (1kg)

$2.27 Rp 40.3K

$1.07 ₦1,441

112.15%

Tomato (1kg)

$1.99 Rp 35.4K

$1.26 ₦1,700

57.94%

Potato (1kg)

$1.83 Rp 32.5K

$1.35 ₦1,821

35.56%

Onion (1kg)

$2.25 Rp 40.1K

$1.33 ₦1,793

69.17%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.88 ₦1,189

18.18%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.31 ₦419

80.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$0.56 ₦759

296.43%

Wine (Bottle)

$23.22 Rp 412.7K

$2.61 ₦3,512

789.66%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$0.38 ₦517

528.95%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$0.46 ₦619

523.91%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$0.38 ₦517

-34.21%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$14.49 ₦19.5K

-50.52%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$0.68 ₦911

-32.35%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$0.88 ₦1,179

-47.73%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$2.10 ₦2,821

171.43%

Gasoline (1 liter)

$0.76 Rp 13.6K

$0.83 ₦1,123

-8.43%

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

$24.6K Rp 436.7M

$11.0K ₦14.8M

123.61%

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

$31.0K Rp 551.5M

$13.7K ₦18.4M

126.40%

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

$82.2 Rp 1.5M

$14.81 ₦19.9K

454.83%

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

$6.33 Rp 112.5K

$16.13 ₦21.7K

-60.76%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$25.03 ₦33.7K

-25.93%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$14.97 ₦20.2K

274.42%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$4.75 ₦6,400

287.58%

Cinema Ticket

$4.26 Rp 75.8K

$4.49 ₦6,041

-5.12%

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

$489 Rp 8.7M

$670 ₦901.5K

-26.94%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$19.8K ₦26.6M

-70.71%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$5.94 ₦7,997

674.07%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$20.33 ₦27.4K

76.39%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$14.57 ₦19.6K

445.78%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$10.41 ₦14.0K

677.43%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$435 ₦585.3K

163.15%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$252 ₦339.0K

174.76%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$1,110 ₦1.5M

218.27%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$672 ₦904.1K

154.49%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$734 ₦987.5K

279.59%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$184 ₦248.3K

1125.78%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$33.59 ₦45.2K

404.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

37.80%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Oyo: August 16, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $435 in Oyo. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 404% 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: $39.00 in Ubud, Bali vs $51.0 in Oyo. Groceries flip the comparison at $293 vs $140, with Oyo 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 Oyo: Cost of Living - Frequently Asked Questions

Oyo is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment. The 124% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 404% higher in Ubud, Bali, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,144 in Ubud, Bali versus $435 in Oyo. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Oyo – a meal for two runs $51.0 versus $39.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,379 per month in Ubud, Bali versus $615 in Oyo – a 124% gap that adds up to real savings over time for anyone picking the cheaper option.

At $615 in Oyo versus $1,379 in Ubud, Bali, a $1,500 budget is realistic in Oyo but tight or insufficient in Ubud, Bali. The gap between the two cities makes Oyo the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Oyo 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 Oyo gentler on the wallet – expenses run 124% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.