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 $1,378 per month in Ubud, Bali vs $1,029 in Saint Ann's Bay, rent included.

A couple spends around $2,327 per month in Ubud, Bali vs $1,626 in Saint Ann's Bay, rent included.

A family of three spends $3,275 per month in Ubud, Bali vs $2,223 in Saint Ann's Bay, rent included.

Ubud, Bali costs about 34% more than Saint Ann's Bay, driven mainly by Eating Out.

Ubud, Bali sits 0% above the global median, while Saint Ann's Bay is 25% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$15.54 JMD 2,441

-78.57%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$49.54 JMD 7,781

-27.69%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$8.64 JMD 1,357

-34.84%

Cappuccino

$2.82 Rp 49.7K

$5.19 JMD 815

-45.66%

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

$1.75 Rp 30.8K

$1.20 JMD 188

45.83%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.73 JMD 114

9.59%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$2.26 JMD 355

34.51%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$3.10 JMD 487

38.71%

Milk (1 liter)

$1.61 Rp 28.3K

$4.21 JMD 662

-61.76%

White Bread (500g)

$2.27 Rp 39.9K

$3.84 JMD 604

-40.89%

Rice (white) (1kg)

$1.17 Rp 20.6K

$1.62 JMD 254

-27.78%

Eggs

$2.17 Rp 38.2K

$3.52 JMD 553

-38.35%

Local Cheese (1kg)

$17.63 Rp 310.5K

$11.31 JMD 1,776

55.88%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$6.39 JMD 1,003

-36.62%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$10.43 JMD 1,638

16.78%

Apples (1kg)

$3.62 Rp 63.7K

$5.92 JMD 929

-38.85%

Banana (1kg)

$1.64 Rp 28.8K

$3.78 JMD 594

-56.61%

Oranges (1kg)

$2.31 Rp 40.6K

$7.59 JMD 1,193

-69.57%

Tomato (1kg)

$1.96 Rp 34.5K

$3.13 JMD 491

-37.38%

Potato (1kg)

$1.84 Rp 32.5K

$3.29 JMD 516

-44.07%

Onion (1kg)

$2.37 Rp 41.7K

$2.63 JMD 413

-9.89%

Lettuce (1 head)

$1.05 Rp 18.5K

$3.03 JMD 476

-65.35%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.47 JMD 231

-63.27%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$9.37 JMD 1,472

-75.45%

Wine (Bottle)

$23.08 Rp 406.4K

$11.52 JMD 1,809

100.35%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$2.92 JMD 459

-19.86%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$3.91 JMD 614

-21.48%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$1.17 JMD 184

-58.12%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$3.12 JMD 491

-84.94%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$6.38 JMD 1,002

-12.23%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.32 JMD 207

-38.64%

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

$25.0K Rp 440.3M

$44.9K JMD 7.1M

-44.29%

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

$31.1K Rp 547.0M

$32.5K JMD 5.1M

-4.46%

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

$82.7 Rp 1.5M

$178 JMD 28.0K

-53.63%

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

$6.49 Rp 114.2K

$29.66 JMD 4,659

-78.12%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$53.6 JMD 8,426

-64.97%

Gym Membership (Monthly)

$55.2 Rp 972.6K

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$4.30 Rp 75.7K

$13.17 JMD 2,069

-67.35%

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

$494 Rp 8.7M

$356 JMD 55.9K

38.83%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$8,294 JMD 1.3M

-28.66%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$24.11 JMD 3,787

91.95%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$32.22 JMD 5,061

13.10%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$76.9 JMD 12.1K

4.91%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$101 JMD 15.9K

-22.27%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

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: September 6, 2026

Last update for Saint Ann's Bay: September 7, 2026

Cost Breakdown

A mid-range dinner for two costs $36.00 in Ubud, Bali versus $50.0 in Saint Ann's Bay. Monthly groceries follow the same trend: $294 vs $387 – 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 34% more than Saint Ann's Bay, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,067 per month in Ubud, Bali and $1,544 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 $1,378 in Ubud, Bali and $1,029 in Saint Ann's Bay. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $494 per month in Ubud, Bali and $356 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 $1,029, than in Ubud, Bali at $1,378. 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 $1,029 versus $1,378 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.