Cost of Living Comparison Between Ubud, Bali and Santa Cruz Cost of Living Comparison Between Ubud, Bali and Santa Cruz

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $1,871 in Santa Cruz.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,862 in Santa Cruz.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $3,854 in Santa Cruz.

Living in Ubud, Bali costs roughly 23% less than in Santa Cruz, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Ubud, Bali 7% above, Santa Cruz 40% above.

Meal at Budget Restaurant

$3.57 Rp 61.9K

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

Cappuccino

$2.83 Rp 49.0K

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

$1.34 Rp 23.2K

Water (0.33 liter bottle)

$0.69 Rp 12.0K

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

Milk (1 liter)

$1.74 Rp 30.2K

$2.19 AWG 3.92

-20.55%

White Bread (500g)

$2.54 Rp 44.0K

$2.62 AWG 4.69

-3.05%

Rice (white) (1kg)

$1.19 Rp 20.6K

$4.50 AWG 8.06

-73.56%

Eggs

$2.43 Rp 42.0K

$4.60 AWG 8.24

-47.17%

Local Cheese (1kg)

$14.66 Rp 254.1K

$7.98 AWG 14.29

83.71%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$7.51 AWG 13.45

-44.34%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$6.53 AWG 11.69

82.85%

Apples (1kg)

$3.69 Rp 63.9K

$4.46 AWG 7.99

-17.26%

Banana (1kg)

$1.61 Rp 27.8K

$4.47 AWG 8.01

-63.98%

Oranges (1kg)

$2.69 Rp 46.5K

$8.43 AWG 15.09

-68.09%

Tomato (1kg)

$2.33 Rp 40.4K

$6.83 AWG 12.22

-65.89%

Potato (1kg)

$1.91 Rp 33.0K

$6.85 AWG 12.25

-72.12%

Onion (1kg)

$2.19 Rp 37.9K

$1.93 AWG 3.45

13.47%

Lettuce (1 head)

$1.06 Rp 18.3K

$3.10 AWG 5.56

-65.81%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$4.50 AWG 8.06

-84.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$10.11 AWG 18.10

-69.04%

Wine (Bottle)

$23.49 Rp 407.1K

$19.55 AWG 34.99

20.15%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.46 AWG 4.40

11.38%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.98 AWG 5.33

-3.36%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$1.97 AWG 3.52

-85.28%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$154 AWG 276

-94.69%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$19.67 AWG 35.22

-97.71%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$19.64 AWG 35.16

-68.64%

Gasoline (1 liter)

$0.84 Rp 14.6K

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

$26.2K Rp 454.9M

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

$32.5K Rp 562.9M

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

$78.4 Rp 1.4M

$139 AWG 249

-43.53%

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

$3.95 Rp 68.5K

$71.4 AWG 128

-94.47%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$201 AWG 361

-87.89%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$70.7 AWG 126

36.63%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$46.41 AWG 83.1

-86.32%

Cinema Ticket

$4.04 Rp 70.0K

$8.42 AWG 15.07

-52.02%

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

$303 Rp 5.2M

$138 AWG 247

118.92%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$77.0 AWG 138

-30.03%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$109 AWG 195

-65.20%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$140 AWG 250

-37.91%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$139 AWG 249

-43.26%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$1,291 AWG 2,311

-21.61%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$556 AWG 995

21.28%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$1,546 AWG 2,767

119.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$1,366 AWG 2,445

53.57%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$3,557 AWG 6,367

-95.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

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

Last update for Ubud, Bali: April 28, 2026

Last update for Santa Cruz: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $1,291 in Santa Cruz. Housing cost is often the main lever when comparing two cities.

Santa Cruz pays 1955% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

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 Santa Cruz: Cost of Living - Frequently Asked Questions

Ubud, Bali and Santa Cruz differ by about 30% in total monthly costs ($1,438 vs $1,871 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Santa Cruz earns 1955% 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: $1,012 in Ubud, Bali versus $1,291 in Santa Cruz. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $138 in Santa Cruz. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

A monthly transit pass in Ubud, Bali runs roughly 1785% less than in Santa Cruz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,438 in Ubud, Bali versus $1,871 in Santa Cruz, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Santa Cruz. 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 Santa Cruz 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 30% less than in Santa Cruz. Beyond cost, consider language, visa policies, and how big the international community is in each city.