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: $1,368 in Ubud, Bali versus $1,858 in Santa Cruz.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $2,852 in Santa Cruz.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $3,845 in Santa Cruz.

Living in Ubud, Bali costs roughly 26% less than in Santa Cruz, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Ubud, Bali 0% above, Santa Cruz 36% above.

Meal at Budget Restaurant

$3.44 Rp 61.0K

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

Cappuccino

$2.67 Rp 47.4K

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

$1.75 Rp 31.0K

Water (0.33 liter bottle)

$0.87 Rp 15.5K

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

Milk (1 liter)

$1.62 Rp 28.7K

$2.19 AWG 3.92

-26.03%

White Bread (500g)

$2.33 Rp 41.3K

$2.66 AWG 4.75

-12.41%

Rice (white) (1kg)

$1.11 Rp 19.6K

$4.47 AWG 7.99

-75.17%

Eggs

$2.20 Rp 39.0K

$4.59 AWG 8.22

-52.07%

Local Cheese (1kg)

$17.69 Rp 313.9K

$7.93 AWG 14.19

123.08%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$7.40 AWG 13.24

-44.59%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$6.83 AWG 12.22

78.33%

Apples (1kg)

$3.71 Rp 65.8K

$4.47 AWG 8.00

-17.00%

Banana (1kg)

$1.59 Rp 28.2K

$4.53 AWG 8.10

-64.90%

Oranges (1kg)

$2.28 Rp 40.5K

$8.40 AWG 15.04

-72.86%

Tomato (1kg)

$1.95 Rp 34.7K

$6.58 AWG 11.78

-70.36%

Potato (1kg)

$1.91 Rp 33.8K

$6.89 AWG 12.33

-72.28%

Onion (1kg)

$2.33 Rp 41.4K

$1.89 AWG 3.38

23.28%

Lettuce (1 head)

$1.01 Rp 17.9K

$3.11 AWG 5.56

-67.52%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$4.31 AWG 7.71

-87.24%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$10.20 AWG 18.26

-78.14%

Wine (Bottle)

$23.07 Rp 409.3K

$19.73 AWG 35.31

16.93%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$2.45 AWG 4.39

-1.22%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$3.03 AWG 5.43

-0.99%

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$1.91 AWG 3.42

-85.86%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

$154 AWG 276

-94.18%

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$19.74 AWG 35.33

-97.57%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$19.22 AWG 34.39

-70.66%

Gasoline (1 liter)

$0.80 Rp 14.3K

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

$24.9K Rp 442.5M

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

$31.7K Rp 562.6M

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

$81.5 Rp 1.4M

$141 AWG 252

-42.05%

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

$6.49 Rp 115.2K

$71.2 AWG 127

-90.88%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$207 AWG 371

-90.95%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$68.4 AWG 122

-16.87%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$46.86 AWG 83.9

-60.03%

Cinema Ticket

$4.54 Rp 80.5K

$8.53 AWG 15.27

-46.78%

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

$481 Rp 8.5M

$138 AWG 247

248.36%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$79.0 AWG 141

-42.39%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$111 AWG 198

-67.57%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$140 AWG 250

-42.47%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$138 AWG 247

-42.94%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$1,272 AWG 2,276

-12.35%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$566 AWG 1,013

23.32%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$1,557 AWG 2,787

133.59%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$1,402 AWG 2,510

23.88%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$3,591 AWG 6,428

-95.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: September 14, 2026

Last update for Santa Cruz: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $1,272 in Santa Cruz. Housing cost is often the main lever when comparing two cities.

Santa Cruz pays 2038% 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 36% in total monthly costs ($1,368 vs $1,858 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 2038% lower in Santa Cruz. 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: $1,115 in Ubud, Bali versus $1,272 in Santa Cruz. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $481 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 1619% less than in Santa Cruz. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,368 in Ubud, Bali versus $1,858 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 36% less than in Santa Cruz. Beyond cost, consider language, visa policies, and how big the international community is in each city.