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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $2,546 in Saratoga, CA.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $3,744 in Saratoga, CA.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $4,942 in Saratoga, CA.

Living in Ubud, Bali costs roughly 46% less than in Saratoga, CA, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Saratoga, CA 86% above.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$24.66 $24.66

-86.05%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

$111 $111

-67.16%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$13.11 $13.11

-56.45%

Cappuccino

$2.67 Rp 47.4K

$4.97 $4.97

-46.28%

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

$1.75 Rp 31.0K

$1.98 $1.98

-11.62%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.98 $0.98

-11.22%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$2.95 $2.95

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

$5.89 $5.89

-23.26%

Milk (1 liter)

$1.62 Rp 28.7K

$1.34 $1.34

20.90%

White Bread (500g)

$2.33 Rp 41.3K

$3.25 $3.25

-28.31%

Rice (white) (1kg)

$1.11 Rp 19.6K

$3.40 $3.40

-67.35%

Eggs

$2.20 Rp 39.0K

$3.96 $3.96

-44.44%

Local Cheese (1kg)

$17.69 Rp 313.9K

$5.38 $5.38

228.81%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$4.53 $4.53

-9.49%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$10.91 $10.91

11.64%

Apples (1kg)

$3.71 Rp 65.8K

$4.66 $4.66

-20.39%

Banana (1kg)

$1.59 Rp 28.2K

$1.09 $1.09

45.87%

Oranges (1kg)

$2.28 Rp 40.5K

$1.11 $1.11

105.41%

Tomato (1kg)

$1.95 Rp 34.7K

$3.24 $3.24

-39.81%

Potato (1kg)

$1.91 Rp 33.8K

$0.74 $0.74

158.11%

Onion (1kg)

$2.33 Rp 41.4K

$0.75 $0.75

210.67%

Lettuce (1 head)

$1.01 Rp 17.9K

$1.23 $1.23

-17.89%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$1.51 $1.51

-63.58%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$20.26 $20.26

-88.99%

Wine (Bottle)

$23.07 Rp 409.3K

$4.07 $4.07

466.83%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.71 $1.71

41.52%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$4.53 $4.53

-33.77%

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$1.96 $1.96

-86.22%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

$65.7 $65.7

-86.34%

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$3.55 $3.55

-86.48%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

$0.89 $0.89

-51.69%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$27.98 $27.98

-79.84%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.30 $1.30

-38.46%

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

$24.9K Rp 442.5M

$22.3K $22.3K

11.79%

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

$31.7K Rp 562.6M

$25.3K $25.3K

25.56%

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

$81.5 Rp 1.4M

$287 $287

-71.65%

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

$6.49 Rp 115.2K

$35.50 $35.50

-81.72%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$30.05 $30.05

-37.54%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$41.22 $41.22

37.97%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$15.17 $15.17

23.47%

Cinema Ticket

$4.54 Rp 80.5K

$7.94 $7.94

-42.82%

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

$481 Rp 8.5M

$1,397 $1,397

-65.59%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$42.2K $42.2K

-86.46%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$40.32 $40.32

12.90%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$25.19 $25.19

42.44%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$74.7 $74.7

7.56%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$148 $148

-46.98%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$1,596 $1,596

-30.16%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$1,283 $1,283

-45.63%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$2,473 $2,473

47.08%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$2,166 $2,166

-19.80%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$3,103 $3,103

-10.26%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$2,648 $2,648

-13.53%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$7,847 $7,847

-97.86%

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: September 14, 2026

Last update for Saratoga, CA: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $1,596 in Saratoga, CA. Housing cost is often the main lever when comparing two cities.

Saratoga, CA pays 4570% 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: $36.00 in Ubud, Bali vs $111 in Saratoga, CA. Groceries flip the comparison at $295 vs $250, with Saratoga, CA cheaper for home cooking.

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 86% 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 4570% lower in Saratoga, CA. 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 $1,596 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 $36.00 versus $111 in Saratoga, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $2,546 in Saratoga, CA – a 86% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,546 in Saratoga, CA, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saratoga, CA. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Saratoga, CA 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 86% less than in Saratoga, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.