Cost of Living Comparison Between Ubud, Bali and Penshurst, NSW Cost of Living Comparison Between Ubud, Bali and Penshurst, NSW

Monthly Cost of Living

Monthly costs for one person with rent: $1,396 in Ubud, Bali versus $2,678 in Penshurst, NSW.

Estimated couple costs with rent: $2,334 in Ubud, Bali versus $3,805 in Penshurst, NSW.

Monthly costs for a family of three with rent: $3,273 in Ubud, Bali versus $4,932 in Penshurst, NSW.

Living in Ubud, Bali costs roughly 48% less than in Penshurst, NSW, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 2% above, Penshurst, NSW 95% above.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$16.61 A$23.06

-79.71%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$96.6 A$134

-60.05%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$11.19 A$15.54

-50.67%

Cappuccino

$2.64 Rp 46.8K

$4.38 A$6.08

-39.73%

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

$1.67 Rp 29.6K

$2.61 A$3.62

-36.02%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$2.38 A$3.30

-67.65%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

$7.18 A$9.96

-63.37%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

$7.60 A$10.55

-43.68%

Milk (1 liter)

$1.55 Rp 27.3K

$1.70 A$2.36

-8.82%

White Bread (500g)

$2.22 Rp 39.3K

$2.78 A$3.87

-20.14%

Rice (white) (1kg)

$1.13 Rp 19.9K

$2.34 A$3.25

-51.71%

Eggs

$2.09 Rp 36.9K

$4.96 A$6.89

-57.86%

Local Cheese (1kg)

$17.39 Rp 307.6K

$9.48 A$13.16

83.44%

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$9.71 A$13.48

-60.14%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$14.93 A$20.72

-15.94%

Apples (1kg)

$3.62 Rp 63.9K

$3.60 A$4.99

0.56%

Banana (1kg)

$1.56 Rp 27.6K

$3.12 A$4.33

-50.00%

Oranges (1kg)

$2.35 Rp 41.6K

$3.37 A$4.68

-30.27%

Tomato (1kg)

$2.06 Rp 36.4K

$4.81 A$6.68

-57.17%

Potato (1kg)

$1.90 Rp 33.6K

$2.77 A$3.84

-31.41%

Onion (1kg)

$2.34 Rp 41.3K

$2.43 A$3.37

-3.70%

Lettuce (1 head)

$1.03 Rp 18.2K

$2.47 A$3.43

-58.30%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$1.69 A$2.34

-67.46%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$39.11 A$54.3

-94.25%

Wine (Bottle)

$23.81 Rp 421.0K

$14.27 A$19.82

66.85%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

$5.11 A$7.10

-54.79%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

$5.51 A$7.65

-49.18%

One-way Ticket (Public Transport)

$0.27 Rp 4,816

$3.01 A$4.18

-91.03%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

$95.4 A$132

-90.92%

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$3.76 A$5.22

-87.23%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$1.85 A$2.57

-75.68%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$38.64 A$53.7

-85.20%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.28 A$1.77

-40.63%

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

$24.5K Rp 433.0M

$31.3K A$43.4K

-21.70%

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

$32.1K Rp 568.0M

$29.6K A$41.1K

8.54%

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

$83.6 Rp 1.5M

$214 A$297

-60.99%

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

$6.46 Rp 114.2K

$31.06 A$43.12

-79.20%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$55.7 A$77.3

-65.89%

Gym Membership (Monthly)

$56.0 Rp 989.8K

$57.2 A$79.4

-2.10%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

$16.14 A$22.40

15.37%

Cinema Ticket

$4.28 Rp 75.7K

$18.05 A$25.06

-76.29%

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

$487 Rp 8.6M

$2,101 A$2,917

-76.85%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

$19.7K A$27.3K

-70.25%

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$81.5 A$113

-44.07%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$63.2 A$87.7

-42.42%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$125 A$173

-34.17%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$130 A$180

-38.01%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$1,298 A$1,803

-14.01%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$1,232 A$1,710

-43.10%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$2,321 A$3,222

52.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$1,958 A$2,718

-10.00%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

$6,420 A$8,913

-55.98%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

$4,474 A$6,210

-48.77%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.85

135.56%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Penshurst, NSW: August 29, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,117 in Ubud, Bali and $1,298 in Penshurst, NSW. Housing cost is often the main lever when comparing two cities.

Dining out: $39.00 in Ubud, Bali vs $97.0 in Penshurst, NSW for a mid-range dinner for two. Groceries echo the gap at $293 vs $379 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 Penshurst, NSW: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Monthly Utilities & Internet. The 92% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,095 in Ubud, Bali and $4,017 in Penshurst, NSW to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,117 in Ubud, Bali versus $1,298 in Penshurst, NSW. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,396 per month in Ubud, Bali versus $2,678 in Penshurst, NSW – a 92% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 1002% less than in Penshurst, NSW. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,396 in Ubud, Bali versus $2,678 in Penshurst, NSW, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Penshurst, NSW. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Penshurst, NSW 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 92% less than in Penshurst, NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.