Cost of Living Comparison Between Ubud, Bali and Papamoa Beach Cost of Living Comparison Between Ubud, Bali and Papamoa Beach

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $1,870 in Papamoa Beach.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,893 in Papamoa Beach.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $3,915 in Papamoa Beach.

Living in Ubud, Bali costs roughly 23% less than in Papamoa Beach, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 7% above, Papamoa Beach 40% above.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$15.06 NZ$25.75

-76.29%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$78.8 NZ$135

-58.63%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$9.73 NZ$16.65

-47.89%

Cappuccino

$2.83 Rp 49.0K

$3.51 NZ$5.99

-19.37%

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

$1.34 Rp 23.2K

$2.24 NZ$3.84

-40.18%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$2.20 NZ$3.77

-68.64%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$7.45 NZ$12.74

-59.87%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$7.27 NZ$12.44

-47.04%

Milk (1 liter)

$1.74 Rp 30.2K

$1.75 NZ$3.00

-0.57%

White Bread (500g)

$2.54 Rp 44.0K

$1.08 NZ$1.85

135.19%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.01 NZ$3.43

-40.80%

Eggs

$2.43 Rp 42.0K

$6.84 NZ$11.69

-64.47%

Local Cheese (1kg)

$14.66 Rp 254.1K

$8.84 NZ$15.12

65.84%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$9.73 NZ$16.64

-57.04%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$13.15 NZ$22.49

-9.20%

Apples (1kg)

$3.69 Rp 63.9K

$2.85 NZ$4.87

29.47%

Banana (1kg)

$1.61 Rp 27.8K

$2.23 NZ$3.81

-27.80%

Oranges (1kg)

$2.69 Rp 46.5K

$3.20 NZ$5.48

-15.94%

Tomato (1kg)

$2.33 Rp 40.4K

$4.11 NZ$7.03

-43.31%

Potato (1kg)

$1.91 Rp 33.0K

$2.04 NZ$3.49

-6.37%

Onion (1kg)

$2.19 Rp 37.9K

$1.65 NZ$2.82

32.73%

Lettuce (1 head)

$1.06 Rp 18.3K

$1.90 NZ$3.26

-44.21%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$1.29 NZ$2.20

-44.19%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$25.36 NZ$43.36

-87.66%

Wine (Bottle)

$23.49 Rp 407.1K

$10.17 NZ$17.39

130.97%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.98 NZ$5.09

-8.05%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$3.95 NZ$6.76

-27.09%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$2.13 NZ$3.64

-86.38%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$63.1 NZ$108

-87.05%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$2.09 NZ$3.58

-78.47%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$2.00 NZ$3.43

-79.00%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$35.97 NZ$61.5

-82.87%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.62 NZ$2.76

-48.15%

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

$26.2K Rp 454.9M

$28.1K NZ$48.0K

-6.60%

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

$32.5K Rp 562.9M

$22.1K NZ$37.7K

47.29%

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

$78.4 Rp 1.4M

$141 NZ$242

-44.54%

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

$3.95 Rp 68.5K

$30.30 NZ$51.8

-86.96%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$49.05 NZ$83.9

-50.25%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$36.29 NZ$62.1

166.02%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$12.26 NZ$20.97

-48.21%

Cinema Ticket

$4.04 Rp 70.0K

$15.23 NZ$26.04

-73.47%

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

$303 Rp 5.2M

$919 NZ$1,571

-67.06%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$13.6K NZ$23.3K

-52.11%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$63.3 NZ$108

-14.88%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$50.9 NZ$87.0

-25.38%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$85.9 NZ$147

0.97%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$119 NZ$203

-33.48%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$972 NZ$1,662

4.16%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$787 NZ$1,346

-14.35%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$1,571 NZ$2,687

115.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$1,402 NZ$2,398

49.62%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$4,918 NZ$8,409

-39.31%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$3,402 NZ$5,817

-31.23%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,672 NZ$2,859

-89.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.37

108.48%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Papamoa Beach: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $972 in Papamoa Beach. Housing cost is often the main lever when comparing two cities.

Papamoa Beach pays 866% 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: $33.00 in Ubud, Bali vs $79.0 in Papamoa Beach for a mid-range dinner for two. Groceries echo the gap at $298 vs $315 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 Papamoa Beach: Cost of Living - Frequently Asked Questions

Ubud, Bali and Papamoa Beach differ by about 30% in total monthly costs ($1,438 vs $1,870 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Papamoa Beach earns 866% less. 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: $1,012 in Ubud, Bali versus $972 in Papamoa Beach. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $919 in Papamoa Beach. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Papamoa Beach. For households that cook at home regularly, that difference adds up over a month.

At $1,438 in Ubud, Bali versus $1,870 in Papamoa Beach, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Papamoa Beach. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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 Papamoa Beach 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 30% less than in Papamoa Beach. Beyond cost, consider language, visa policies, and how big the international community is in each city.