Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Sagamu

For one person, living is cheaper in Sagamu: $484 a month against $1,331 in Ubud, Bali, rent and utilities included – about $10,200 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
23

Cost of Living Index in Sagamu
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Sagamu Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Sagamu

🇳🇬 Nigeria

$484

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $484 in Sagamu, rent included.

Ubud, Bali $1,331
Sagamu $484

A couple spends around $2,255 per month in Ubud, Bali vs $810 in Sagamu, rent included.

Ubud, Bali $2,255
Sagamu $810

A family of three spends $3,180 per month in Ubud, Bali vs $1,136 in Sagamu, rent included.

Ubud, Bali $3,180
Sagamu $1,136

Ubud, Bali costs about 175% more than Sagamu, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Sagamu are more affordable than the global median – Ubud, Bali 2% lower, Sagamu 64% lower.

Meal at Budget Restaurant

$3.38 Rp 61.1K

$3.83 ₦5,139

-11.75%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 627.3K

$49.05 ₦65.8K

-29.36%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.9K

$7.44 ₦9,981

-25.13%

Cappuccino

$2.62 Rp 47.4K

$2.85 ₦3,821

-8.07%

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

$1.54 Rp 27.9K

$0.43 ₦579

258.14%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.24 ₦322

166.67%

Local Beer (0.5 liter draught)

$2.67 Rp 48.3K

$0.98 ₦1,322

172.45%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.2K

$1.98 ₦2,660

115.15%

Milk (1 liter)

$1.46 Rp 26.5K

$3.07 ₦4,125

-52.44%

White Bread (500g)

$2.29 Rp 41.5K

$1.41 ₦1,890

62.41%

Rice (white) (1kg)

$1.11 Rp 20.0K

$1.22 ₦1,636

-9.02%

Eggs

$2.10 Rp 38.0K

$2.17 ₦2,910

-3.23%

Local Cheese (1kg)

$15.94 Rp 288.6K

$3.50 ₦4,693

355.43%

Chicken Fillets (1kg)

$3.88 Rp 70.3K

$3.84 ₦5,160

1.04%

Beef Round Steak (1kg)

$11.40 Rp 206.4K

$4.38 ₦5,883

160.27%

Apples (1kg)

$3.55 Rp 64.3K

$1.68 ₦2,259

111.31%

Banana (1kg)

$1.54 Rp 27.8K

$1.32 ₦1,771

16.67%

Oranges (1kg)

$2.23 Rp 40.4K

$1.12 ₦1,507

99.11%

Tomato (1kg)

$1.97 Rp 35.7K

$1.49 ₦2,006

32.21%

Potato (1kg)

$1.86 Rp 33.6K

$1.55 ₦2,075

20.00%

Onion (1kg)

$2.42 Rp 43.8K

$1.50 ₦2,010

61.33%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.89 ₦1,201

14.61%

Water (1.5 liter bottle)

$0.52 Rp 9,456

$0.36 ₦488

44.44%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.8K

$0.55 ₦737

300.00%

Wine (Bottle)

$21.79 Rp 394.4K

$2.44 ₦3,278

793.03%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.1K

$0.50 ₦676

366.00%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$0.46 ₦615

545.65%

One-way Ticket (Public Transport)

$0.25 Rp 4,533

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,925

$0.65 ₦870

-32.31%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,472

$0.96 ₦1,284

-51.04%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.4K

$2.10 ₦2,820

166.67%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.92 ₦1,234

-9.78%

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

$24.4K Rp 442.6M

$11.0K ₦14.7M

122.89%

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

$31.7K Rp 573.8M

$28.8K ₦38.6M

10.20%

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

$77.5 Rp 1.4M

$114 ₦152.8K

-31.92%

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

$6.14 Rp 111.2K

$14.85 ₦19.9K

-58.65%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 342.4K

$32.86 ₦44.1K

-42.42%

Gym Membership (Monthly)

$51.0 Rp 923.1K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

Cinema Ticket

$4.38 Rp 79.3K

$6.04 ₦8,111

-27.48%

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

$492 Rp 8.9M

$664 ₦891.7K

-25.88%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.2M

$19.9K ₦26.8M

-38.73%

Jeans (Levis 501 Or Similar)

$45.16 Rp 817.6K

$14.26 ₦19.1K

216.69%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 631.6K

$17.88 ₦24.0K

95.13%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$36.64 ₦49.2K

113.76%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$47.94 ₦64.3K

62.43%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.5M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

18.39

-25.07%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Sagamu: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Sagamu

- * 0% 100%

Groceries & Markets

Ubud, Bali

$279 21%

Sagamu

$153 31.7% 45.1% $126

Clothing & Footwear

Ubud, Bali

$106 8%

Sagamu

$53 10.9% 50.6% $54

Eating Out

Ubud, Bali

$106 8%

Sagamu

$99 20.4% 6.7% $7.1

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Sagamu

$162 33.4% 57.5% $59

Sport & Entertainment

Ubud, Bali

$60 4.5%

Sagamu

$12 * 2.5% 79.8% $48

Getting Around

Ubud, Bali

$12 0.9%

Sagamu

$5.4 * 1.1% 54.6% $6.5

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

Cost Breakdown

A mid-range dinner for two costs $35 in Ubud, Bali versus $49 in Sagamu. Groceries tell a different story – $279 in Ubud, Bali vs $153 in Sagamu – so Sagamu wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇳🇬 Sagamu

🕒 Local time

23:43 11:43 PM

16:43 4:43 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

214,558

💱 Currency

Indonesian Rupiah IDR Rp

Nigerian Naira NGN ₦

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 EUR

10,000 NGN = 7.45 USD

10,000 NGN = 6.63 EUR

Exchange rates and currency converter

NGN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,331 IDR (100,000 IDR = 4.92 EUR).

Nigerian Naira exchange rates as of November 6, 2026: 1 USD = 1,342 NGN (10,000 NGN = 7.45 USD). 1 EUR = 1,507 NGN (10,000 NGN = 6.63 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Sagamu 12,490 km ≈ 16 h nonstop flight

From you

Ubud, Bali
Sagamu

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 Sagamu: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,331 in Ubud, Bali, $484 in Sagamu – Sagamu comes out roughly 64% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $725 in Sagamu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $484 in Sagamu. That makes Sagamu about 64% cheaper.

Kindergarten costs $492 per month in Ubud, Bali and $664 in Sagamu. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,200 monthly budget goes further in Sagamu, where all-in costs run around $484, than in Ubud, Bali at $1,331. In Sagamu it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $484 in Sagamu to $1,331 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.