Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Saratoga, CA

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,471 in Saratoga, CA, rent and utilities included – about $13,700 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
119

Cost of Living Index in Saratoga, CA
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Saratoga, CA Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Saratoga, CA

🇺🇸 United States

$2,471

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Saratoga, CA

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 Saratoga, CA actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,471 in Saratoga, CA.

Ubud, Bali $1,331
Saratoga, CA $2,471

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,678 in Saratoga, CA.

Ubud, Bali $2,255
Saratoga, CA $3,678

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $4,886 in Saratoga, CA.

Ubud, Bali $3,180
Saratoga, CA $4,886

Living in Ubud, Bali costs roughly 46% less than in Saratoga, CA, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Saratoga, CA is 83% above.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$24.88 $24.88

-86.41%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$112 $112

-69.10%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$13.06 $13.06

-57.35%

Cappuccino

$2.62 Rp 47.5K

$5.11 $5.11

-48.73%

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

$1.54 Rp 27.9K

$2.03 $2.03

-24.14%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.02 $1.02

-37.25%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.04 $3.04

-12.17%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$5.87 $5.87

-27.43%

Milk (1 liter)

$1.46 Rp 26.5K

$1.35 $1.35

8.15%

White Bread (500g)

$2.29 Rp 41.6K

$3.29 $3.29

-30.40%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.38 $3.38

-67.16%

Eggs

$2.10 Rp 38.1K

$3.92 $3.92

-46.43%

Local Cheese (1kg)

$15.94 Rp 289.2K

$5.58 $5.58

185.66%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$4.36 $4.36

-11.01%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$10.94 $10.94

4.20%

Apples (1kg)

$3.55 Rp 64.4K

$4.73 $4.73

-24.95%

Banana (1kg)

$1.54 Rp 27.9K

$1.12 $1.12

37.50%

Oranges (1kg)

$2.23 Rp 40.5K

$1.07 $1.07

108.41%

Tomato (1kg)

$1.97 Rp 35.8K

$3.39 $3.39

-41.89%

Potato (1kg)

$1.86 Rp 33.7K

$0.79 $0.79

135.44%

Onion (1kg)

$2.42 Rp 43.9K

$0.75 $0.75

222.67%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.23 $1.23

-17.07%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$1.54 $1.54

-66.23%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$11.71 $11.71

-81.21%

Wine (Bottle)

$21.79 Rp 395.2K

$3.89 $3.89

460.15%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.70 $1.70

37.06%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$4.43 $4.43

-32.96%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$2.03 $2.03

-87.68%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$61.1 $61.1

-86.62%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$3.57 $3.57

-87.68%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.95 $0.95

-50.53%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$28.53 $28.53

-80.37%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.40 $1.40

-40.71%

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

$24.4K Rp 443.5M

$22.0K $22.0K

11.04%

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

$31.7K Rp 575.0M

$25.3K $25.3K

25.22%

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

$77.5 Rp 1.4M

$292 $292

-73.47%

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

$6.14 Rp 111.5K

$34.47 $34.47

-82.19%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$30.38 $30.38

-37.72%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$39.94 $39.94

27.67%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$15.07 $15.07

21.10%

Cinema Ticket

$4.38 Rp 79.5K

$7.86 $7.86

-44.27%

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

$492 Rp 8.9M

$1,381 $1,381

-64.34%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$20.8K $20.8K

-41.30%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$40.65 $40.65

11.09%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$25.48 $25.48

36.93%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$73.6 $73.6

6.37%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$149 $149

-47.77%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$1,586 $1,586

-32.05%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$1,261 $1,261

-47.28%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$2,599 $2,599

35.03%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$2,078 $2,078

-19.59%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,482 $2,482

-5.72%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,389 $2,389

-6.40%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$7,921 $7,921

-97.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

129.67%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Saratoga, CA: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Saratoga, CA

$1.3K 51% 89.7% $596

Groceries & Markets

Ubud, Bali

$279 21%

Saratoga, CA

$251 10.2% 10.2% $29

Clothing & Footwear

Ubud, Bali

$106 8%

Saratoga, CA

$130 5.3% 22.3% $24

Eating Out

Ubud, Bali

$106 8%

Saratoga, CA

$339 13.7% 220% $233

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Saratoga, CA

$357 14.4% 248% $254

Sport & Entertainment

Ubud, Bali

$60 4.5%

Saratoga, CA

$56 2.3% 6.9% $4.1

Getting Around

Ubud, Bali

$12 0.9%

Saratoga, CA

$78 3.1% 549% $66

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,586 in Saratoga, CA. Housing cost is often the main lever when comparing two cities.

Saratoga, CA pays about 48 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $112 in Saratoga, CA. Groceries flip the comparison at $279 vs $251, with Saratoga, CA cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Saratoga, CA

🕒 Local time

18:28 6:28 PM

02:28 2:28 AM

16 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

30,153

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 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 November 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,384 IDR (100,000 IDR = 4.91 EUR).

United States Dollar exchange rates as of November 5, 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 Saratoga, CA 13,450 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Saratoga, CA

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 Saratoga, CA: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 46% lower than in Saratoga, CA. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 98% lower in Ubud, Bali. 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: $1,078 in Ubud, Bali versus $1,586 in Saratoga, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $112 in Saratoga, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $2,471 in Saratoga, CA – Ubud, Bali is about 46% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Saratoga, CA are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Saratoga, CA on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.