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 $1,392 per month in Ubud, Bali vs $1,348 in Saint Ann's Bay, rent included.

A couple spends around $2,557 per month in Ubud, Bali vs $2,019 in Saint Ann's Bay, rent included.

A family of three spends $3,723 per month in Ubud, Bali vs $2,690 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 5%, Saint Ann's Bay by 1%.

Meal at Budget Restaurant

$3.57 Rp 64.6K

$7.54 JMD 1,186

-52.65%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 584.4K

$49.85 JMD 7,840

-35.17%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.5K

$8.82 JMD 1,387

-43.20%

Cappuccino

$2.82 Rp 51.1K

$4.41 JMD 694

-36.05%

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

$1.35 Rp 24.4K

$1.35 JMD 213

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.75 JMD 118

-2.67%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$2.45 JMD 385

19.59%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.2K

$3.08 JMD 484

27.92%

Milk (1 liter)

$1.78 Rp 32.2K

$4.30 JMD 676

-58.60%

White Bread (500g)

$2.45 Rp 44.3K

$2.75 JMD 433

-10.91%

Rice (white) (1kg)

$1.15 Rp 20.8K

$1.55 JMD 244

-25.81%

Eggs

$2.41 Rp 43.7K

$3.61 JMD 568

-33.24%

Local Cheese (1kg)

$14.33 Rp 259.1K

$11.08 JMD 1,743

29.33%

Chicken Fillets (1kg)

$4.19 Rp 75.7K

$6.30 JMD 990

-33.49%

Beef Round Steak (1kg)

$12.06 Rp 218.1K

$7.51 JMD 1,181

60.59%

Apples (1kg)

$3.64 Rp 65.8K

$6.15 JMD 967

-40.81%

Banana (1kg)

$1.57 Rp 28.3K

$3.09 JMD 485

-49.19%

Oranges (1kg)

$2.79 Rp 50.4K

$4.20 JMD 660

-33.57%

Tomato (1kg)

$2.24 Rp 40.5K

$3.00 JMD 471

-25.33%

Potato (1kg)

$1.98 Rp 35.8K

$2.05 JMD 322

-3.41%

Onion (1kg)

$2.28 Rp 41.2K

$2.00 JMD 314

14.00%

Lettuce (1 head)

$1.05 Rp 19.1K

$3.11 JMD 489

-66.24%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.11 JMD 174

-28.83%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.7K

$8.98 JMD 1,413

-64.48%

Wine (Bottle)

$23.49 Rp 424.8K

$11.45 JMD 1,801

105.15%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.4K

$2.88 JMD 454

0.69%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.8K

$3.10 JMD 488

-10.97%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.3K

Taxi Start (Normal Tariff)

$0.45 Rp 8,180

$0.92 JMD 145

-51.09%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,311

$3.13 JMD 493

-85.30%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.7K

$6.22 JMD 979

-2.41%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.28 JMD 202

-32.81%

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

$26.6K Rp 480.7M

$23.8K JMD 3.7M

11.82%

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

$32.5K Rp 588.6M

$17.4K JMD 2.7M

87.19%

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

$79.0 Rp 1.4M

$164 JMD 25.8K

-51.89%

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

$4.09 Rp 74.0K

$21.88 JMD 3,441

-81.31%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 431.2K

$51.1 JMD 8,033

-53.30%

Gym Membership (Monthly)

$98.8 Rp 1.8M

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.9K

Cinema Ticket

$4.01 Rp 72.5K

$13.38 JMD 2,104

-70.03%

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

$297 Rp 5.4M

$223 JMD 35.1K

33.36%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.4M

$2,512 JMD 395.1K

162.84%

Jeans (Levis 501 Or Similar)

$53.4 Rp 966.0K

$26.02 JMD 4,092

105.34%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 689.2K

$25.86 JMD 4,068

47.37%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$68.0 JMD 10.7K

30.29%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$76.4 JMD 12.0K

0.24%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$511 JMD 80.3K

99.65%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$476 JMD 74.9K

42.78%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.7M

$991 JMD 155.9K

249.98%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.8M

$815 JMD 128.2K

156.49%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 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: July 28, 2026

Last update for Saint Ann's Bay: July 26, 2026

Cost Breakdown

A central one-bedroom costs $1,020 in Ubud, Bali versus $511 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 $32.00 in Ubud, Bali versus $50.0 in Saint Ann's Bay. Monthly groceries follow the same trend: $298 vs $339 – 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 $2,088 per month in Ubud, Bali and $2,022 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 $1,392 in Ubud, Bali and $1,348 in Saint Ann's Bay. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $297 per month in Ubud, Bali and $223 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 $1,348, than in Ubud, Bali at $1,392. 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 $1,348 versus $1,392 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.