Last update: Oct 2026

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

For one person, living is cheaper in Saint Ann’s Bay: $1,006 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
48

Cost of Living Index in Saint Ann's Bay
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Saint Ann's Bay Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Saint Ann's Bay

🇯🇲 Jamaica

$1,006

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Saint Ann's Bay

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 Saint Ann's Bay actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $1,006 in Saint Ann’s Bay, rent included.

Ubud, Bali $1,349
Saint Ann's Bay $1,006

A couple spends around $2,305 per month in Ubud, Bali vs $1,600 in Saint Ann’s Bay, rent included.

Ubud, Bali $2,305
Saint Ann's Bay $1,600

A family of three spends $3,261 per month in Ubud, Bali vs $2,195 in Saint Ann’s Bay, rent included.

Ubud, Bali $3,261
Saint Ann's Bay $2,195

Ubud, Bali costs about 34% more than Saint Ann’s Bay, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$13.35 JMD 2,105

-75.13%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$50.2 JMD 7,922

-29.06%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$8.31 JMD 1,311

-33.45%

Cappuccino

$2.72 Rp 49.4K

$5.46 JMD 862

-50.18%

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

$1.70 Rp 30.9K

$1.20 JMD 190

41.67%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.70 JMD 110

8.57%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$2.25 JMD 354

17.78%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$3.12 JMD 492

40.38%

Milk (1 liter)

$1.49 Rp 27.1K

$4.07 JMD 641

-63.39%

White Bread (500g)

$2.28 Rp 41.4K

$3.74 JMD 589

-39.04%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.63 JMD 258

-26.99%

Eggs

$2.04 Rp 37.0K

$3.47 JMD 547

-41.21%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.20 JMD 1,766

58.04%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$6.20 JMD 978

-36.13%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$10.09 JMD 1,591

20.81%

Apples (1kg)

$3.66 Rp 66.4K

$6.00 JMD 946

-39.00%

Banana (1kg)

$1.52 Rp 27.6K

$3.99 JMD 629

-61.90%

Oranges (1kg)

$2.23 Rp 40.5K

$7.53 JMD 1,187

-70.39%

Tomato (1kg)

$1.97 Rp 35.9K

$2.98 JMD 469

-33.89%

Potato (1kg)

$1.85 Rp 33.6K

$3.28 JMD 518

-43.60%

Onion (1kg)

$2.42 Rp 44.1K

$2.62 JMD 414

-7.63%

Lettuce (1 head)

$0.99 Rp 18.0K

$3.15 JMD 497

-68.57%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.44 JMD 226

-64.58%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$9.30 JMD 1,467

-76.13%

Wine (Bottle)

$22.24 Rp 404.2K

$11.43 JMD 1,802

94.58%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$2.95 JMD 464

-23.39%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$4.03 JMD 636

-26.30%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.30 JMD 204

-66.15%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$3.17 JMD 501

-86.44%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$6.44 JMD 1,016

-15.99%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.30 JMD 205

-36.92%

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

$23.8K Rp 433.3M

$43.4K JMD 6.8M

-45.08%

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

$31.7K Rp 577.0M

$32.7K JMD 5.2M

-2.84%

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

$79.1 Rp 1.4M

$169 JMD 26.6K

-53.17%

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

$6.45 Rp 117.2K

$29.03 JMD 4,577

-77.78%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$52.9 JMD 8,346

-64.90%

Gym Membership (Monthly)

$49.48 Rp 899.4K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.27 Rp 77.7K

$13.41 JMD 2,114

-68.16%

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

$491 Rp 8.9M

$366 JMD 57.7K

34.03%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$8,305 JMD 1.3M

-31.68%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$23.59 JMD 3,719

89.23%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$31.44 JMD 4,957

11.16%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$78.3 JMD 12.4K

2.00%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$101 JMD 16.0K

-21.66%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

9.45

45.82%

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

Last update for Ubud, Bali: October 25, 2026

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

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Saint Ann's Bay

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Saint Ann's Bay

$383 38.1% 32.7% $94

Eating Out

Ubud, Bali

$108 8%

Saint Ann's Bay

$222 22.1% 107% $115

Clothing & Footwear

Ubud, Bali

$108 8%

Saint Ann's Bay

$106 10.5% 1.7% $1.9

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Saint Ann's Bay

$251 24.9% 141% $147

Sport & Entertainment

Ubud, Bali

$58 4.3%

Saint Ann's Bay

$27 * 2.7% 53.8% $31

Getting Around

Ubud, Bali

$11 0.9%

Saint Ann's Bay

$17 * 1.7% 50.4% $5.8

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 $36 in Ubud, Bali versus $50 in Saint Ann’s Bay. Monthly groceries follow the same trend: $288 vs $383 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇯🇲 Saint Ann's Bay

🕒 Local time

05:38 5:38 AM

16:38 4:38 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

13,671

💱 Currency

Indonesian Rupiah IDR Rp

Jamaican Dollar JMD $

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1,000 JMD = 6.34 USD

1,000 JMD = 5.7 EUR

Exchange rates and currency converter

JMD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Jamaican Dollar exchange rates as of October 28, 2026: 1 USD = 158 JMD (1,000 JMD = 6.34 USD). 1 EUR = 176 JMD (1,000 JMD = 5.7 EUR).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Saint Ann's Bay 18,270 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Saint Ann's Bay

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

Ubud, Bali costs about 34% more than Saint Ann’s Bay, and outside of rent the gap comes mainly from leisure. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,508 in Saint Ann’s Bay. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $1,006 in Saint Ann’s Bay. That makes Saint Ann’s Bay about 25% cheaper.

Kindergarten costs $491 per month in Ubud, Bali and $366 in Saint Ann’s Bay. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,006 in Saint Ann’s Bay. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,006 in Saint Ann’s Bay to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.