Last update: Oct 2026

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

For one person, living costs are similar in Ubud, Bali and in Santa Cruz: $1,349 and $1,285 a month, rent and utilities included.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
62

Cost of Living Index in Santa Cruz
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Santa Cruz Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Santa Cruz

🇯🇲 Jamaica

$1,285

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Santa Cruz

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 Santa Cruz actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $1,285 in Santa Cruz, rent included.

Ubud, Bali $1,349
Santa Cruz $1,285

A couple spends around $2,305 per month in Ubud, Bali vs $1,988 in Santa Cruz, rent included.

Ubud, Bali $2,305
Santa Cruz $1,988

A family of three spends $3,261 per month in Ubud, Bali vs $2,690 in Santa Cruz, rent included.

Ubud, Bali $3,261
Santa Cruz $2,690

Ubud, Bali costs about 5% more than Santa Cruz.

Meal at Budget Restaurant

$3.32 Rp 59.9K

$7.37 JMD 1,163

-54.95%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 642.4K

$63.6 JMD 10.0K

-43.93%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 99.7K

$6.45 JMD 1,016

-14.26%

Cappuccino

$2.72 Rp 49.0K

$5.34 JMD 842

-49.06%

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

$1.70 Rp 30.7K

$1.16 JMD 182

46.55%

Water (0.33 liter bottle)

$0.76 Rp 13.7K

$0.75 JMD 119

1.33%

Local Beer (0.5 liter draught)

$2.65 Rp 47.8K

$2.26 JMD 357

17.26%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.0K

$3.08 JMD 485

42.21%

Milk (1 liter)

$1.49 Rp 26.9K

$4.04 JMD 638

-63.12%

White Bread (500g)

$2.28 Rp 41.0K

$2.58 JMD 406

-11.63%

Rice (white) (1kg)

$1.19 Rp 21.5K

$1.57 JMD 248

-24.20%

Eggs

$2.04 Rp 36.7K

$3.47 JMD 548

-41.21%

Local Cheese (1kg)

$17.70 Rp 319.1K

$11.33 JMD 1,787

56.22%

Chicken Fillets (1kg)

$3.96 Rp 71.4K

$6.40 JMD 1,010

-38.13%

Beef Round Steak (1kg)

$12.19 Rp 219.7K

$10.41 JMD 1,641

17.10%

Apples (1kg)

$3.66 Rp 65.9K

$5.97 JMD 941

-38.69%

Banana (1kg)

$1.52 Rp 27.4K

$3.83 JMD 604

-60.31%

Oranges (1kg)

$2.23 Rp 40.2K

$7.43 JMD 1,171

-69.99%

Tomato (1kg)

$1.97 Rp 35.6K

$3.01 JMD 474

-34.55%

Potato (1kg)

$1.85 Rp 33.3K

$3.32 JMD 523

-44.28%

Onion (1kg)

$2.42 Rp 43.7K

$2.64 JMD 416

-8.33%

Lettuce (1 head)

$0.99 Rp 17.8K

$3.01 JMD 475

-67.11%

Water (1.5 liter bottle)

$0.51 Rp 9,255

$1.45 JMD 229

-64.83%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.0K

$9.47 JMD 1,494

-76.56%

Wine (Bottle)

$22.24 Rp 400.9K

$11.53 JMD 1,818

92.89%

Local Beer (0.5 liter bottle)

$2.26 Rp 40.7K

$2.89 JMD 456

-21.80%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.5K

$4.01 JMD 632

-25.94%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,923

$1.27 JMD 201

-65.35%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,753

$3.12 JMD 492

-86.22%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 97.5K

$6.12 JMD 966

-11.60%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.39 JMD 220

-41.01%

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

$23.8K Rp 429.7M

$44.8K JMD 7.1M

-46.84%

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

$31.7K Rp 572.3M

$32.6K JMD 5.1M

-2.47%

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

$79.1 Rp 1.4M

$166 JMD 26.2K

-52.42%

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

$6.45 Rp 116.2K

$29.57 JMD 4,664

-78.19%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 334.9K

$51.8 JMD 8,165

-64.12%

Gym Membership (Monthly)

$49.48 Rp 892.0K

$38.40 JMD 6,055

28.85%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

Cinema Ticket

$4.27 Rp 77.0K

$13.44 JMD 2,119

-68.23%

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

$491 Rp 8.8M

$359 JMD 56.6K

36.69%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.3M

$8,104 JMD 1.3M

-29.99%

Jeans (Levis 501 Or Similar)

$44.64 Rp 804.7K

$23.66 JMD 3,731

88.67%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 630.1K

$31.85 JMD 5,022

9.73%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$78.3 JMD 12.3K

2.04%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$101 JMD 15.9K

-21.24%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

$311 JMD 49.0K

116.02%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.3M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

$499 JMD 78.8K

245.03%

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$408 JMD 64.3K

-59.85%

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: October 25, 2026

Last update for Santa Cruz: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Santa Cruz

$311 24.2% 53.7% $361

Groceries & Markets

Ubud, Bali

$288 21.4%

Santa Cruz

$371 28.9% 28.8% $83

Eating Out

Ubud, Bali

$108 8%

Santa Cruz

$168 13% 55.6% $60

Clothing & Footwear

Ubud, Bali

$108 8%

Santa Cruz

$106 8.2% 1.8% $1.9

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Santa Cruz

$248 19.3% 138% $143

Sport & Entertainment

Ubud, Bali

$58 4.3%

Santa Cruz

$65 5.1% 12.5% $7.2

Getting Around

Ubud, Bali

$11 0.9%

Santa Cruz

$17 * 1.3% 47.9% $5.5

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries in Santa Cruz are about 2.5 times higher, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36 in Ubud, Bali versus $64 in Santa Cruz. Monthly groceries follow the same trend: $288 vs $371 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇯🇲 Santa Cruz

🕒 Local time

22:11 10:11 PM

09:11 9:11 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

8,217

💱 Currency

Indonesian Rupiah IDR Rp

Jamaican Dollar JMD $

📈 Exchange rate

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

1,000 JMD = 6.34 USD

1,000 JMD = 5.7 EUR

Exchange rates and currency converter

JMD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

Jamaican Dollar exchange rates as of October 28, 2026: 1 USD = 158 JMD (1,000 JMD = 6.34 USD). 1 EUR = 176 JMD (1,000 JMD = 5.7 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Santa Cruz 18,260 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Santa Cruz

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 Santa Cruz: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 5% more than Santa Cruz, and outside of rent the gap comes mainly from clothing. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,928 in Santa Cruz. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $1,285 in Santa Cruz. That’s a gap of about 5%.

Kindergarten costs $491 per month in Ubud, Bali and $359 in Santa Cruz. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$1,500 covers both cities comfortably – all-in costs are $1,349 in Ubud, Bali and $1,285 in Santa Cruz, leaving budget for savings and extras in both cases.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,285 in Santa Cruz to $1,349 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.