Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Pembroke

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,374 in Pembroke, rent and utilities included – about $12,300 less a year. The total is higher in Pembroke despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
115

Cost of Living Index in Pembroke
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Pembroke Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Pembroke

🇧🇲 Bermuda

$2,374

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Pembroke

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,374 in Pembroke.

Ubud, Bali $1,353
Pembroke $2,374

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $3,871 in Pembroke.

Ubud, Bali $2,297
Pembroke $3,871

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $5,368 in Pembroke.

Ubud, Bali $3,241
Pembroke $5,368

Living in Ubud, Bali costs roughly 43% less than in Pembroke, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Pembroke 75% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$49.04 BMD 49.04

-93.41%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$152 BMD 152

-77.06%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$16.78 BMD 16.78

-66.03%

Cappuccino

$2.62 Rp 47.1K

$4.38 BMD 4.38

-40.18%

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

$1.72 Rp 31.0K

$3.02 BMD 3.02

-43.05%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$3.05 BMD 3.05

-73.44%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$7.63 BMD 7.63

-65.27%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$8.86 BMD 8.86

-50.68%

Milk (1 liter)

$1.57 Rp 28.3K

$4.80 BMD 4.80

-67.29%

White Bread (500g)

$2.19 Rp 39.5K

$8.14 BMD 8.14

-73.10%

Rice (white) (1kg)

$1.18 Rp 21.2K

$5.40 BMD 5.40

-78.15%

Eggs

$2.16 Rp 38.8K

$7.07 BMD 7.07

-69.45%

Local Cheese (1kg)

$17.65 Rp 317.7K

$23.42 BMD 23.42

-24.64%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$21.37 BMD 21.37

-82.31%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$19.80 BMD 19.80

-39.65%

Apples (1kg)

$3.60 Rp 64.8K

$8.94 BMD 8.94

-59.73%

Banana (1kg)

$1.59 Rp 28.6K

$6.75 BMD 6.75

-76.44%

Oranges (1kg)

$2.31 Rp 41.6K

$7.25 BMD 7.25

-68.14%

Tomato (1kg)

$1.91 Rp 34.3K

$8.46 BMD 8.46

-77.42%

Potato (1kg)

$1.78 Rp 32.1K

$5.78 BMD 5.78

-69.20%

Onion (1kg)

$2.33 Rp 41.9K

$4.05 BMD 4.05

-42.47%

Lettuce (1 head)

$1.00 Rp 18.0K

$6.34 BMD 6.34

-84.23%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$3.50 BMD 3.50

-84.86%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$17.99 BMD 17.99

-87.27%

Wine (Bottle)

$22.07 Rp 397.3K

$24.37 BMD 24.37

-9.44%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$5.17 BMD 5.17

-54.55%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$4.27 BMD 4.27

-30.21%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$131 BMD 131

-93.22%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$6.37 BMD 6.37

-92.62%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$2.54 BMD 2.54

-83.07%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$70.5 BMD 70.5

-92.24%

Gasoline (1 liter)

$0.83 Rp 14.9K

$2.42 BMD 2.42

-65.70%

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

$23.9K Rp 429.8M

$37.3K BMD 37.3K

-35.99%

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

$32.8K Rp 590.1M

$42.9K BMD 42.9K

-23.52%

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

$80.0 Rp 1.4M

$291 BMD 291

-72.48%

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

$6.56 Rp 118.1K

$150 BMD 150

-95.64%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$160 BMD 160

-88.39%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$78.1 BMD 78.1

-30.72%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$13.34 BMD 13.34

-68.14%

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

$493 Rp 8.9M

$1,303 BMD 1,303

-62.18%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$25.5K BMD 25.5K

-78.05%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$91.5 BMD 91.5

-50.18%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$71.1 BMD 71.1

-50.82%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$141 BMD 141

-45.02%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$127 BMD 127

-38.16%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$3,811 BMD 3,811

-70.31%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$8,056 BMD 8,056

-97.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.63

59.68%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Pembroke: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Pembroke

- * 0% 100%

Groceries & Markets

Ubud, Bali

$287 21.2%

Pembroke

$748 31.5% 161% $461

Clothing & Footwear

Ubud, Bali

$107 7.9%

Pembroke

$194 8.2% 82% $87

Eating Out

Ubud, Bali

$106 7.9%

Pembroke

$575 24.2% 441% $469

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Pembroke

$601 25.3% 472% $496

Sport & Entertainment

Ubud, Bali

$63 4.6%

Pembroke

$105 4.4% 67.3% $42

Getting Around

Ubud, Bali

$12 0.9%

Pembroke

$150 * 6.3% 1110% $138

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $3,811 in Pembroke. Housing cost is often the main lever when comparing two cities.

Pembroke pays 4742% 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: $35.00 in Ubud, Bali vs $152 in Pembroke for a mid-range dinner for two. Groceries echo the gap at $287 vs $748 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇲 Pembroke

🕒 Local time

09:08 9:08 AM

22:08 10:08 PM

11 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

11,160

💱 Currency

Indonesian Rupiah IDR Rp

Bermudian Dollar BMD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 BMD = 1 USD

1 BMD = 0.89 EUR

Exchange rates and currency converter

BMD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 25, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Bermudian Dollar exchange rates as of October 25, 2026: 1 USD = 1 BMD (1 BMD = 1 USD). 1 EUR = 1.12 BMD (1 BMD = 0.89 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Pembroke 17,370 km ≈ 22 h nonstop flight

From you

Ubud, Bali
Pembroke

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 Pembroke: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 75% lower than in Pembroke. 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 4742% lower in Pembroke. 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: $1,131 in Ubud, Bali versus $3,811 in Pembroke. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $1,303 in Pembroke. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 161% higher in Pembroke. For households that cook at home regularly, that difference adds up over a month.

At $1,353 in Ubud, Bali versus $2,374 in Pembroke, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Pembroke. 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 $1,353 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 Pembroke 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 75% less than in Pembroke. Beyond cost, consider language, visa policies, and how big the international community is in each city.