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 $1,395 per month in Ubud, Bali vs $1,360 in Saint Ann's Bay, rent included.

A couple spends around $2,559 per month in Ubud, Bali vs $2,028 in Saint Ann's Bay, rent included.

A family of three spends $3,724 per month in Ubud, Bali vs $2,695 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

$3.48 Rp 59.7K

$7.52 JMD 1,190

-53.72%

Three-Course Dinner for Two, Mid-Range

$32.88 Rp 563.4K

$49.83 JMD 7,887

-34.02%

Fast Food Meal (McDonalds, etc)

$5.09 Rp 87.2K

$8.91 JMD 1,410

-42.87%

Cappuccino

$2.75 Rp 47.1K

$4.41 JMD 698

-37.64%

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

$1.38 Rp 23.7K

$1.36 JMD 215

1.47%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$0.72 JMD 114

-1.39%

Local Beer (0.5 liter draught)

$2.88 Rp 49.3K

$2.46 JMD 389

17.07%

Imported Beer (0.33 liter bottle)

$3.87 Rp 66.3K

$3.21 JMD 509

20.56%

Milk (1 liter)

$1.79 Rp 30.7K

$4.43 JMD 701

-59.59%

White Bread (500g)

$2.45 Rp 41.9K

$2.65 JMD 420

-7.55%

Rice (white) (1kg)

$1.21 Rp 20.7K

$1.60 JMD 253

-24.38%

Eggs

$2.39 Rp 40.9K

$3.44 JMD 545

-30.52%

Local Cheese (1kg)

$14.70 Rp 251.9K

$11.25 JMD 1,780

30.67%

Chicken Fillets (1kg)

$4.24 Rp 72.7K

$6.53 JMD 1,033

-35.07%

Beef Round Steak (1kg)

$12.08 Rp 206.9K

$7.55 JMD 1,195

60.00%

Apples (1kg)

$3.66 Rp 62.8K

$6.05 JMD 957

-39.50%

Banana (1kg)

$1.61 Rp 27.5K

$3.10 JMD 491

-48.06%

Oranges (1kg)

$2.72 Rp 46.6K

$4.16 JMD 658

-34.62%

Tomato (1kg)

$2.27 Rp 38.9K

$3.02 JMD 478

-24.83%

Potato (1kg)

$1.90 Rp 32.6K

$2.10 JMD 332

-9.52%

Onion (1kg)

$2.30 Rp 39.4K

$2.00 JMD 316

15.00%

Lettuce (1 head)

$1.02 Rp 17.4K

$2.97 JMD 469

-65.66%

Water (1.5 liter bottle)

$0.78 Rp 13.3K

$1.16 JMD 183

-32.76%

Cigarettes 20 Pack (Marlboro, Camel)

$3.24 Rp 55.6K

$8.80 JMD 1,393

-63.18%

Wine (Bottle)

$24.06 Rp 412.3K

$11.35 JMD 1,796

111.98%

Local Beer (0.5 liter bottle)

$2.84 Rp 48.7K

$2.81 JMD 445

1.07%

Imported Beer (0.33 liter bottle)

$2.79 Rp 47.8K

$3.15 JMD 499

-11.43%

One-way Ticket (Public Transport)

$0.27 Rp 4,606

Public Transport Monthly Pass (Regular Price)

$8.24 Rp 141.2K

Taxi Start (Normal Tariff)

$0.45 Rp 7,700

$0.97 JMD 153

-53.61%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,298

$3.27 JMD 517

-86.85%

Taxi 1hour Waiting (Normal Tariff)

$6.02 Rp 103.2K

$6.31 JMD 999

-4.60%

Gasoline (1 liter)

$0.86 Rp 14.7K

$1.24 JMD 195

-30.65%

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

$26.1K Rp 446.6M

$23.6K JMD 3.7M

10.21%

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

$31.7K Rp 543.2M

$17.2K JMD 2.7M

84.44%

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

$78.3 Rp 1.3M

$166 JMD 26.3K

-52.87%

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

$4.00 Rp 68.5K

$22.26 JMD 3,523

-82.03%

Internet (50+ Mbps, Unlimited Data)

$24.35 Rp 417.3K

$51.9 JMD 8,211

-53.06%

Gym Membership (Monthly)

$95.8 Rp 1.6M

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.6K

Cinema Ticket

$4.01 Rp 68.7K

$12.92 JMD 2,045

-68.96%

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

$302 Rp 5.2M

$230 JMD 36.4K

31.30%

International Primary School, 1 Child (Yearly)

$6,545 Rp 112.2M

$2,517 JMD 398.4K

159.98%

Jeans (Levis 501 Or Similar)

$53.4 Rp 915.5K

$26.36 JMD 4,172

102.66%

Summer Dress (H&M, Zara, etc)

$38.55 Rp 660.6K

$26.02 JMD 4,118

48.16%

Sport Shoes (Adidas, Nike)

$89.1 Rp 1.5M

$68.9 JMD 10.9K

29.20%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$76.6 JMD 12.1K

3.06%

1-bedroom Apartment, City Center (Monthly)

$1,016 Rp 17.4M

$495 JMD 78.4K

105.15%

1-bedroom Apartment, Outside City Center (Monthly)

$672 Rp 11.5M

$475 JMD 75.2K

41.49%

3-bedroom Apartment, City Center (Monthly)

$3,368 Rp 57.7M

$1,000 JMD 158.2K

237.00%

3-bedroom Apartment, Outside City Center (Monthly)

$2,108 Rp 36.1M

$829 JMD 131.3K

154.13%

Buy Apartment in City Center (m2)

$3,001 Rp 51.4M

Buy Apartment Outside City Center (m2)

$2,337 Rp 40.0M

Average Monthly Net Salary (After Tax)

$178 Rp 3.0M

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: April 12, 2026

Last update for Saint Ann's Bay: April 13, 2026

Cost Breakdown

A central one-bedroom costs $1,016 in Ubud, Bali versus $495 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 in Ubud, Bali versus $50 in Saint Ann's Bay. Monthly groceries follow the same trend: $300 vs $340 – 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 $2,092 per month in Ubud, Bali and $2,040 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 $1,395 in Ubud, Bali and $1,360 in Saint Ann's Bay. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $302 per month in Ubud, Bali and $230 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 $1,360, than in Ubud, Bali at $1,395. 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 $1,360 versus $1,395 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.