Cost of Living Comparison Between Ubud, Bali and Saint Ann's Bay Cost of Living Comparison Between Ubud, Bali and Saint Ann's Bay

Monthly Cost of Living

A single person spends $1,404 per month in Ubud, Bali vs $1,362 in Saint Ann's Bay, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $2,027 in Saint Ann's Bay, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $2,692 in Saint Ann's Bay, rent included.

Ubud, Bali costs about 3% more than Saint Ann's Bay, driven mainly by Sport & Entertainment.

Both Ubud, Bali and Saint Ann's Bay sit above the global median – Ubud, Bali by 4%, Saint Ann's Bay by 1%.

Meal at Budget Restaurant

$3.57 Rp 64.1K

$7.38 JMD 1,161

-51.63%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 584.0K

$50.3 JMD 7,909

-35.37%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.4K

$8.91 JMD 1,401

-45.45%

Cappuccino

$2.75 Rp 49.4K

$4.38 JMD 690

-37.21%

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

$1.32 Rp 23.8K

$1.36 JMD 214

-2.94%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.71 JMD 111

-1.41%

Local Beer (0.5 liter draught)

$2.91 Rp 52.3K

$2.46 JMD 386

18.29%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.2K

$3.10 JMD 488

22.26%

Milk (1 liter)

$1.71 Rp 30.7K

$4.34 JMD 682

-60.60%

White Bread (500g)

$2.47 Rp 44.5K

$2.75 JMD 433

-10.18%

Rice (white) (1kg)

$1.20 Rp 21.6K

$1.55 JMD 245

-22.58%

Eggs

$2.44 Rp 43.9K

$3.48 JMD 548

-29.89%

Local Cheese (1kg)

$14.38 Rp 258.4K

$11.20 JMD 1,762

28.39%

Chicken Fillets (1kg)

$4.31 Rp 77.3K

$6.22 JMD 978

-30.71%

Beef Round Steak (1kg)

$12.21 Rp 219.4K

$7.47 JMD 1,175

63.45%

Apples (1kg)

$3.68 Rp 66.2K

$6.15 JMD 968

-40.16%

Banana (1kg)

$1.55 Rp 27.9K

$3.04 JMD 479

-49.01%

Oranges (1kg)

$2.79 Rp 50.1K

$4.24 JMD 667

-34.20%

Tomato (1kg)

$2.33 Rp 41.9K

$3.03 JMD 477

-23.10%

Potato (1kg)

$1.97 Rp 35.4K

$2.09 JMD 328

-5.74%

Onion (1kg)

$2.31 Rp 41.5K

$1.98 JMD 312

16.67%

Lettuce (1 head)

$1.06 Rp 19.1K

$2.99 JMD 470

-64.55%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$1.15 JMD 182

-36.52%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.9K

$8.83 JMD 1,388

-62.85%

Wine (Bottle)

$22.79 Rp 409.5K

$11.49 JMD 1,807

98.35%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.4K

$2.75 JMD 432

2.18%

Imported Beer (0.33 liter bottle)

$2.78 Rp 50.0K

$3.17 JMD 498

-12.30%

One-way Ticket (Public Transport)

$0.29 Rp 5,232

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.8K

Taxi Start (Normal Tariff)

$0.45 Rp 8,069

$0.97 JMD 153

-53.61%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,117

$3.12 JMD 491

-85.58%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 112.1K

$6.38 JMD 1,004

-2.19%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.28 JMD 201

-33.59%

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

$26.0K Rp 466.7M

$23.9K JMD 3.8M

8.72%

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

$31.7K Rp 568.8M

$17.4K JMD 2.7M

81.63%

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

$80.8 Rp 1.5M

$165 JMD 25.9K

-51.00%

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

$4.06 Rp 72.9K

$22.42 JMD 3,527

-81.89%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 438.8K

$50.1 JMD 7,878

-51.24%

Gym Membership (Monthly)

$97.7 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.8K

Cinema Ticket

$4.04 Rp 72.6K

$13.37 JMD 2,103

-69.78%

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

$304 Rp 5.5M

$228 JMD 35.8K

33.47%

International Primary School, 1 Child (Yearly)

$6,621 Rp 119.0M

$2,501 JMD 393.4K

164.75%

Jeans (Levis 501 Or Similar)

$54.2 Rp 974.4K

$25.88 JMD 4,071

109.54%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 696.6K

$25.88 JMD 4,071

49.85%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$69.8 JMD 11.0K

23.36%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$75.8 JMD 11.9K

1.12%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$499 JMD 78.5K

97.43%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$474 JMD 74.6K

38.66%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.5M

$991 JMD 155.8K

240.10%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.1M

$829 JMD 130.5K

149.06%

Buy Apartment in City Center (m2)

$2,741 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,228 Rp 40.0M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

232.00%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Saint Ann's Bay: June 9, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $499 in Saint Ann's Bay. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $33.00 in Ubud, Bali versus $50.0 in Saint Ann's Bay. Monthly groceries follow the same trend: $297 vs $338 – making Ubud, Bali the more affordable choice for daily food spending.

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 Saint Ann's Bay: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 3% more than Saint Ann's Bay, with the gap driven mainly by Sport & Entertainment. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,106 per month in Ubud, Bali and $2,043 in Saint Ann's Bay. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Ann's Bay, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,404 in Ubud, Bali and $1,362 in Saint Ann's Bay. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $304 per month in Ubud, Bali and $228 in Saint Ann's Bay. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Saint Ann's Bay, where all-in costs run around $1,362, than in Ubud, Bali at $1,404. In Saint Ann's Bay it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saint Ann's Bay costs $1,362 versus $1,404 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Saint Ann's Bay. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.