Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Oyster Bay, NY

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,789 in Oyster Bay, NY, rent and utilities included – about $17,500 less a year. Rent and utilities account for about half of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
132

Cost of Living Index in Oyster Bay, NY
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Oyster Bay, NY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Oyster Bay, NY

🇺🇸 United States

$2,789

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Oyster Bay, NY

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 Oyster Bay, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,789 in Oyster Bay, NY.

Ubud, Bali $1,331
Oyster Bay, NY $2,789

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $4,148 in Oyster Bay, NY.

Ubud, Bali $2,255
Oyster Bay, NY $4,148

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $5,507 in Oyster Bay, NY.

Ubud, Bali $3,180
Oyster Bay, NY $5,507

Living in Ubud, Bali costs roughly 52% less than in Oyster Bay, NY, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Oyster Bay, NY is 106% above.

Meal at Budget Restaurant

$3.38 Rp 61.0K

$24.67 $24.67

-86.30%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 626.3K

$101 $101

-65.84%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.7K

$13.09 $13.09

-57.45%

Cappuccino

$2.62 Rp 47.3K

$5.43 $5.43

-51.75%

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

$1.54 Rp 27.8K

$2.24 $2.24

-31.25%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.58 $1.58

-59.49%

Local Beer (0.5 liter draught)

$2.67 Rp 48.2K

$9.14 $9.14

-70.79%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.1K

$8.11 $8.11

-47.47%

Milk (1 liter)

$1.46 Rp 26.4K

$1.30 $1.30

12.31%

White Bread (500g)

$2.29 Rp 41.4K

$4.25 $4.25

-46.12%

Rice (white) (1kg)

$1.11 Rp 20.0K

$6.05 $6.05

-81.65%

Eggs

$2.10 Rp 38.0K

$5.98 $5.98

-64.88%

Local Cheese (1kg)

$15.94 Rp 288.1K

$14.16 $14.16

12.57%

Chicken Fillets (1kg)

$3.88 Rp 70.2K

$10.24 $10.24

-62.11%

Beef Round Steak (1kg)

$11.40 Rp 206.1K

$20.11 $20.11

-43.31%

Apples (1kg)

$3.55 Rp 64.2K

$5.45 $5.45

-34.86%

Banana (1kg)

$1.54 Rp 27.8K

$1.74 $1.74

-11.49%

Oranges (1kg)

$2.23 Rp 40.3K

$4.24 $4.24

-47.41%

Tomato (1kg)

$1.97 Rp 35.6K

$5.26 $5.26

-62.55%

Potato (1kg)

$1.86 Rp 33.6K

$2.98 $2.98

-37.58%

Onion (1kg)

$2.42 Rp 43.7K

$3.36 $3.36

-27.98%

Lettuce (1 head)

$1.02 Rp 18.5K

$2.92 $2.92

-65.07%

Water (1.5 liter bottle)

$0.52 Rp 9,441

$2.93 $2.93

-82.25%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

$11.67 $11.67

-81.15%

Wine (Bottle)

$21.79 Rp 393.8K

$15.13 $15.13

44.02%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

$1.77 $1.77

31.64%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.7K

$3.56 $3.56

-16.57%

One-way Ticket (Public Transport)

$0.25 Rp 4,526

$2.29 $2.29

-89.08%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.8K

$66.8 $66.8

-87.76%

Taxi Start (Normal Tariff)

$0.44 Rp 7,912

$2.95 $2.95

-85.08%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,458

$2.10 $2.10

-77.62%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.2K

$23.60 $23.60

-76.27%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.16 $1.16

-28.45%

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

$24.4K Rp 441.9M

$27.8K $27.8K

-12.12%

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

$31.7K Rp 572.9M

$26.5K $26.5K

19.73%

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

$77.5 Rp 1.4M

$216 $216

-64.21%

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

$6.14 Rp 111.1K

$74.3 $74.3

-91.74%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.9K

$66.1 $66.1

-71.36%

Gym Membership (Monthly)

$51.0 Rp 921.7K

$39.46 $39.46

29.22%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.8K

Cinema Ticket

$4.38 Rp 79.2K

$15.24 $15.24

-71.26%

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

$492 Rp 8.9M

$1,732 $1,732

-71.57%

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.9M

$20.5K $20.5K

-40.37%

Jeans (Levis 501 Or Similar)

$45.16 Rp 816.3K

$49.05 $49.05

-7.93%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 630.6K

$58.5 $58.5

-40.35%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$88.2 $88.2

-11.21%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$148 $148

-47.40%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$1,588 $1,588

-32.13%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$1,292 $1,292

-48.54%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.4M

$2,544 $2,544

37.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$2,107 $2,107

-20.69%

Buy Apartment in City Center (m2)

$2,340 Rp 42.3M

$2,751 $2,751

-14.94%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.4M

$2,351 $2,351

-4.87%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$6,945 $6,945

-97.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.72

105.06%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Oyster Bay, NY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Oyster Bay, NY

$1.3K 46.3% 94.3% $627

Groceries & Markets

Ubud, Bali

$279 21%

Oyster Bay, NY

$447 16% 60.1% $168

Clothing & Footwear

Ubud, Bali

$106 8%

Oyster Bay, NY

$155 5.6% 45.5% $48

Eating Out

Ubud, Bali

$106 8%

Oyster Bay, NY

$379 13.6% 258% $273

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Oyster Bay, NY

$357 12.8% 248% $254

Sport & Entertainment

Ubud, Bali

$60 4.5%

Oyster Bay, NY

$70 2.5% 17% $10

Getting Around

Ubud, Bali

$12 0.9%

Oyster Bay, NY

$89 3.2% 648% $77

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,588 in Oyster Bay, NY. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays about 42 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $101 in Oyster Bay, NY for a mid-range dinner for two. Groceries echo the gap at $279 vs $447 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Oyster Bay, NY

🕒 Local time

22:43 10:43 PM

09:43 9:43 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

301,332

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.53 USD

100,000 IDR = 4.92 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 November 5, 2026: 1 USD = 18,075 IDR (100,000 IDR = 5.53 USD). 1 EUR = 20,311 IDR (100,000 IDR = 4.92 EUR).

United States Dollar exchange rates as of November 5, 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 Oyster Bay, NY 16,320 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Oyster Bay, NY

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 Oyster Bay, NY: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 52% cheaper overall, especially in eating out, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 98% 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: $1,078 in Ubud, Bali versus $1,588 in Oyster Bay, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $2,789 in Oyster Bay, NY – Ubud, Bali is about 52% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 88% less than in Oyster Bay, NY. 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.

Safety-wise, Ubud, Bali and Oyster Bay, NY are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 52% less than in Oyster Bay, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.