Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Saginaw, MI

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,932 in Saginaw, MI, rent and utilities included – about $7,200 less a year. Other living expenses account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
93

Cost of Living Index in Saginaw, MI
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Saginaw, MI Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Saginaw, MI

🇺🇸 United States

$1,932

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Saginaw, MI

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,932 in Saginaw, MI.

Ubud, Bali $1,331
Saginaw, MI $1,932

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,135 in Saginaw, MI.

Ubud, Bali $2,255
Saginaw, MI $3,135

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $4,338 in Saginaw, MI.

Ubud, Bali $3,180
Saginaw, MI $4,338

Living in Ubud, Bali costs roughly 31% less than in Saginaw, MI, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Saginaw, MI is 43% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$20.28 $20.28

-83.33%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$64.4 $64.4

-46.15%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$10.19 $10.19

-45.34%

Cappuccino

$2.62 Rp 47.6K

$5.49 $5.49

-52.28%

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

$1.54 Rp 27.9K

$2.17 $2.17

-29.03%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.53 $1.53

-58.17%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$5.01 $5.01

-46.71%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$4.89 $4.89

-12.88%

Milk (1 liter)

$1.46 Rp 26.5K

$0.96 $0.96

52.08%

White Bread (500g)

$2.29 Rp 41.6K

$3.38 $3.38

-32.25%

Rice (white) (1kg)

$1.11 Rp 20.1K

$4.00 $4.00

-72.25%

Eggs

$2.10 Rp 38.1K

$3.15 $3.15

-33.33%

Local Cheese (1kg)

$15.94 Rp 289.4K

$11.27 $11.27

41.44%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$9.92 $9.92

-60.89%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$16.03 $16.03

-28.88%

Apples (1kg)

$3.55 Rp 64.5K

$3.25 $3.25

9.23%

Banana (1kg)

$1.54 Rp 27.9K

$1.50 $1.50

2.67%

Oranges (1kg)

$2.23 Rp 40.5K

$4.54 $4.54

-50.88%

Tomato (1kg)

$1.97 Rp 35.8K

$3.67 $3.67

-46.32%

Potato (1kg)

$1.86 Rp 33.7K

$2.63 $2.63

-29.28%

Onion (1kg)

$2.42 Rp 43.9K

$2.03 $2.03

19.21%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.53 $2.53

-59.68%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$2.27 $2.27

-77.09%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$9.75 $9.75

-77.44%

Wine (Bottle)

$21.79 Rp 395.6K

$13.57 $13.57

60.57%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$2.02 $2.02

15.35%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.07 $3.07

-3.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$1.54 $1.54

-83.77%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$40.25 $40.25

-79.70%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$2.56 $2.56

-82.81%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$2.43 $2.43

-80.66%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$39.56 $39.56

-85.84%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.02 $1.02

-18.63%

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

$24.4K Rp 443.8M

$31.2K $31.2K

-21.65%

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

$31.7K Rp 575.5M

$25.8K $25.8K

22.86%

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

$77.5 Rp 1.4M

$176 $176

-56.09%

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

$6.14 Rp 111.6K

$25.10 $25.10

-75.54%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$39.67 $39.67

-52.31%

Gym Membership (Monthly)

$51.0 Rp 925.8K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$4.38 Rp 79.6K

$11.98 $11.98

-63.44%

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

$492 Rp 8.9M

$1,689 $1,689

-70.84%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$19.7K $19.7K

-38.07%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$45.70 $45.70

-1.18%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$39.23 $39.23

-11.06%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$73.0 $73.0

7.32%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$77.2 $77.2

0.88%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$825 $825

30.64%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$833 $833

-20.21%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,310 $1,310

167.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$1,901 $1,901

-12.09%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$1,213 $1,213

92.96%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,225 $1,225

82.56%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.51

111.67%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Saginaw, MI: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Saginaw, MI

$833 43.1% 25.3% $168

Groceries & Markets

Ubud, Bali

$279 21%

Saginaw, MI

$358 18.5% 28.1% $79

Clothing & Footwear

Ubud, Bali

$106 8%

Saginaw, MI

$106 5.5% 0.5% $0.5

Eating Out

Ubud, Bali

$106 8%

Saginaw, MI

$308 16% 192% $203

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Saginaw, MI

$241 12.5% 135% $139

Sport & Entertainment

Ubud, Bali

$60 4.5%

Saginaw, MI

$24 * 1.2% 59.9% $36

Getting Around

Ubud, Bali

$12 0.9%

Saginaw, MI

$61 3.2% 412% $49

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 $1,078 in Ubud, Bali and $825 in Saginaw, MI. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $64 in Saginaw, MI for a mid-range dinner for two. Groceries echo the gap at $279 vs $358 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Saginaw, MI

🕒 Local time

02:40 2:40 AM

13:40 1:40 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

44,202

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

1 USD = 0.892 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 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,353 IDR (100,000 IDR = 4.91 EUR).

United States Dollar exchange rates as of November 4, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Saginaw, MI 15,710 km ≈ 20 h nonstop flight

From you

Ubud, Bali
Saginaw, MI

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 Saginaw, MI: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $1,932 in Saginaw, MI, so Ubud, Bali is about 31% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $2,898 in Saginaw, MI 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: $1,078 in Ubud, Bali versus $825 in Saginaw, MI. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 28% higher in Saginaw, MI. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $64 in Saginaw, MI. If you eat out regularly, this makes a real dent in your monthly spending.

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.