Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Saint Cloud, MN

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,894 in Saint Cloud, MN, rent and utilities included – about $6,500 less a year. Other living expenses account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
91

Cost of Living Index in Saint Cloud, MN
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Saint Cloud, MN Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Saint Cloud, MN

🇺🇸 United States

$1,894

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Saint Cloud, MN

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 Cloud, MN actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,894 in Saint Cloud, MN.

Ubud, Bali $1,353
Saint Cloud, MN $1,894

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,718 in Saint Cloud, MN.

Ubud, Bali $2,297
Saint Cloud, MN $2,718

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $3,543 in Saint Cloud, MN.

Ubud, Bali $3,241
Saint Cloud, MN $3,543

Living in Ubud, Bali costs roughly 29% less than in Saint Cloud, MN, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Saint Cloud, MN 40% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$15.19 $15.19

-78.74%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$40.27 $40.27

-13.38%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.63 $8.63

-33.95%

Cappuccino

$2.62 Rp 47.1K

$4.47 $4.47

-41.39%

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

$1.72 Rp 31.0K

$2.88 $2.88

-40.28%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$2.25 $2.25

-64.00%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$6.08 $6.08

-56.41%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$4.85 $4.85

-9.90%

Milk (1 liter)

$1.57 Rp 28.3K

$0.92 $0.92

70.65%

White Bread (500g)

$2.19 Rp 39.5K

$1.50 $1.50

46.00%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.90 $1.90

-37.89%

Eggs

$2.16 Rp 38.8K

$3.78 $3.78

-42.86%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.54 $9.54

85.01%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$6.53 $6.53

-42.11%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$19.42 $19.42

-38.47%

Apples (1kg)

$3.60 Rp 64.8K

$3.66 $3.66

-1.64%

Banana (1kg)

$1.59 Rp 28.6K

$1.09 $1.09

45.87%

Oranges (1kg)

$2.31 Rp 41.6K

$2.82 $2.82

-18.09%

Tomato (1kg)

$1.91 Rp 34.3K

$3.63 $3.63

-47.38%

Potato (1kg)

$1.78 Rp 32.1K

$2.03 $2.03

-12.32%

Onion (1kg)

$2.33 Rp 41.9K

$2.91 $2.91

-19.93%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.99 $1.99

-49.75%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$3.08 $3.08

-82.79%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$11.38 $11.38

-79.88%

Wine (Bottle)

$22.07 Rp 397.3K

$15.07 $15.07

46.45%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.69 $1.69

39.05%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.04 $3.04

-1.97%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.71 $1.71

-86.55%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$59.8 $59.8

-85.12%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.48 $3.48

-86.49%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.84 $0.84

-48.81%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$12.16 $12.16

-55.02%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.92 $0.92

-9.78%

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

$23.9K Rp 429.8M

$30.2K $30.2K

-20.96%

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

$32.8K Rp 590.1M

$23.7K $23.7K

38.30%

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

$80.0 Rp 1.4M

$118 $118

-32.16%

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

$6.56 Rp 118.1K

$46.72 $46.72

-85.96%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$43.38 $43.38

-57.12%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$24.65 $24.65

119.55%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$28.09 $28.09

-34.92%

Cinema Ticket

$4.25 Rp 76.5K

$12.18 $12.18

-65.11%

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

$493 Rp 8.9M

$1,709 $1,709

-71.17%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$5,778 $5,778

-3.13%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$57.4 $57.4

-20.65%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$50.1 $50.1

-30.16%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$73.4 $73.4

5.94%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$78.9 $78.9

-0.51%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$931 $931

21.57%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$862 $862

-21.90%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,371 $1,371

163.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,290 $1,290

31.89%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$1,993 $1,993

36.34%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,745 $1,745

28.42%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,967 $3,967

-95.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.61

108.47%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Saint Cloud, MN: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Saint Cloud, MN

$862 45.5% 28% $189

Groceries & Markets

Ubud, Bali

$287 21.2%

Saint Cloud, MN

$322 17% 12.2% $35

Clothing & Footwear

Ubud, Bali

$107 7.9%

Saint Cloud, MN

$117 6.2% 9.7% $10

Eating Out

Ubud, Bali

$106 7.9%

Saint Cloud, MN

$262 13.8% 146% $155

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Saint Cloud, MN

$208 11% 97.8% $103

Sport & Entertainment

Ubud, Bali

$63 4.6%

Saint Cloud, MN

$49 2.6% 21.7% $14

Getting Around

Ubud, Bali

$12 0.9%

Saint Cloud, MN

$74 3.9% 498% $62

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $931 in Saint Cloud, MN. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 2284% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $40.00 in Saint Cloud, MN for a mid-range dinner for two. Groceries echo the gap at $287 vs $322 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Saint Cloud, MN

🕒 Local time

15:18 3:18 PM

02:18 2:18 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

67,109

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 21, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 21, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Saint Cloud, MN 15,030 km ≈ 19 h nonstop flight

From you

Ubud, Bali
Saint Cloud, MN

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 Cloud, MN: Cost of Living - Frequently Asked Questions

Ubud, Bali and Saint Cloud, MN differ by about 40% in total monthly costs ($1,353 vs $1,894 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 2284% lower in Saint Cloud, MN. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,131 in Ubud, Bali versus $931 in Saint Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,353 per month in Ubud, Bali versus $1,894 in Saint Cloud, MN – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 572% less than in Saint Cloud, MN. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,353 in Ubud, Bali versus $1,894 in Saint Cloud, MN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saint Cloud, MN. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Saint Cloud, MN are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 40% less than in Saint Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.