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

Monthly Cost of Living

Monthly costs for one person with rent: $1,395 in Ubud, Bali versus $2,475 in Saint Cloud, MN.

Estimated couple costs with rent: $2,559 in Ubud, Bali versus $3,534 in Saint Cloud, MN.

Monthly costs for a family of three with rent: $3,724 in Ubud, Bali versus $4,592 in Saint Cloud, MN.

Living in Ubud, Bali costs roughly 44% less than in Saint Cloud, MN, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 4% above, Saint Cloud, MN 84% above.

Meal at Budget Restaurant

$3.48 Rp 59.7K

$18.32 $18.32

-81.00%

Three-Course Dinner for Two, Mid-Range

$32.88 Rp 564.0K

$66.2 $66.2

-50.31%

Fast Food Meal (McDonalds, etc)

$5.09 Rp 87.3K

$8.74 $8.74

-41.76%

Cappuccino

$2.75 Rp 47.1K

$4.70 $4.70

-41.49%

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

$1.38 Rp 23.7K

$2.70 $2.70

-48.89%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$2.27 $2.27

-68.72%

Local Beer (0.5 liter draught)

$2.88 Rp 49.4K

$5.40 $5.40

-46.67%

Imported Beer (0.33 liter bottle)

$3.87 Rp 66.4K

$4.93 $4.93

-21.50%

Milk (1 liter)

$1.79 Rp 30.7K

$0.94 $0.94

90.43%

White Bread (500g)

$2.45 Rp 42.0K

$2.49 $2.49

-1.61%

Rice (white) (1kg)

$1.21 Rp 20.7K

$3.62 $3.62

-66.57%

Eggs

$2.39 Rp 40.9K

$3.21 $3.21

-25.55%

Local Cheese (1kg)

$14.70 Rp 252.1K

$9.40 $9.40

56.38%

Chicken Fillets (1kg)

$4.24 Rp 72.7K

$7.65 $7.65

-44.58%

Beef Round Steak (1kg)

$12.08 Rp 207.1K

$14.35 $14.35

-15.82%

Apples (1kg)

$3.66 Rp 62.9K

$3.35 $3.35

9.25%

Banana (1kg)

$1.61 Rp 27.6K

$1.19 $1.19

35.29%

Oranges (1kg)

$2.72 Rp 46.6K

$4.23 $4.23

-35.70%

Tomato (1kg)

$2.27 Rp 39.0K

$5.30 $5.30

-57.17%

Potato (1kg)

$1.90 Rp 32.6K

$2.76 $2.76

-31.16%

Onion (1kg)

$2.30 Rp 39.4K

$3.13 $3.13

-26.52%

Lettuce (1 head)

$1.02 Rp 17.4K

$1.98 $1.98

-48.48%

Water (1.5 liter bottle)

$0.78 Rp 13.4K

$1.92 $1.92

-59.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.24 Rp 55.7K

$10.30 $10.30

-68.54%

Wine (Bottle)

$24.06 Rp 412.7K

$11.60 $11.60

107.41%

Local Beer (0.5 liter bottle)

$2.84 Rp 48.7K

$1.77 $1.77

60.45%

Imported Beer (0.33 liter bottle)

$2.79 Rp 47.8K

$3.40 $3.40

-17.94%

One-way Ticket (Public Transport)

$0.27 Rp 4,610

$2.05 $2.05

-86.83%

Public Transport Monthly Pass (Regular Price)

$8.24 Rp 141.4K

$58.9 $58.9

-86.01%

Taxi Start (Normal Tariff)

$0.45 Rp 7,708

$5.06 $5.06

-91.11%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,305

$1.37 $1.37

-68.61%

Taxi 1hour Waiting (Normal Tariff)

$6.02 Rp 103.3K

$29.05 $29.05

-79.28%

Gasoline (1 liter)

$0.86 Rp 14.7K

$0.85 $0.85

1.18%

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

$26.1K Rp 447.1M

$35.8K $35.8K

-27.29%

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

$31.7K Rp 543.7M

$25.2K $25.2K

25.80%

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

$78.3 Rp 1.3M

$105 $105

-25.40%

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

$4.00 Rp 68.5K

$48.52 $48.52

-91.76%

Internet (50+ Mbps, Unlimited Data)

$24.35 Rp 417.7K

$64.7 $64.7

-62.34%

Gym Membership (Monthly)

$95.8 Rp 1.6M

$42.49 $42.49

125.39%

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.7K

Cinema Ticket

$4.01 Rp 68.7K

$11.80 $11.80

-66.02%

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

$302 Rp 5.2M

$1,443 $1,443

-79.10%

International Primary School, 1 Child (Yearly)

$6,545 Rp 112.3M

$29.9K $29.9K

-78.11%

Jeans (Levis 501 Or Similar)

$53.4 Rp 916.3K

$39.39 $39.39

35.62%

Summer Dress (H&M, Zara, etc)

$38.55 Rp 661.2K

$41.89 $41.89

-7.97%

Sport Shoes (Adidas, Nike)

$89.1 Rp 1.5M

$75.3 $75.3

18.37%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$79.8 $79.8

-1.16%

1-bedroom Apartment, City Center (Monthly)

$1,016 Rp 17.4M

$1,609 $1,609

-36.86%

1-bedroom Apartment, Outside City Center (Monthly)

$672 Rp 11.5M

$1,340 $1,340

-49.85%

3-bedroom Apartment, City Center (Monthly)

$3,368 Rp 57.8M

$2,625 $2,625

28.34%

3-bedroom Apartment, Outside City Center (Monthly)

$2,108 Rp 36.2M

$2,205 $2,205

-4.41%

Buy Apartment in City Center (m2)

$3,001 Rp 51.5M

$2,040 $2,040

47.13%

Buy Apartment Outside City Center (m2)

$2,337 Rp 40.1M

$1,758 $1,758

32.95%

Average Monthly Net Salary (After Tax)

$178 Rp 3.0M

$3,961 $3,961

-95.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.3

110.79%

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 Cloud, MN: April 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,016 in Ubud, Bali and $1,609 in Saint Cloud, MN. Housing cost is often the main lever when comparing two cities.

Saint Cloud, MN pays 2132% 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: $33 in Ubud, Bali vs $66 in Saint Cloud, MN for a mid-range dinner for two. Groceries echo the gap at $300 vs $323 per month, with Ubud, Bali cheaper across the board.

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 77% in total monthly costs ($1,395 vs $2,475 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Saint Cloud, MN earns 2132% less. 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: $1,016 in Ubud, Bali versus $1,609 in Saint Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,395 per month in Ubud, Bali versus $2,475 in Saint Cloud, MN – a 77% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 615% less than in Saint Cloud, MN. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,395 in Ubud, Bali versus $2,475 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 77% less than in Saint Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.