Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Saratoga Springs, NY

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,870 in Saratoga Springs, NY, rent and utilities included – about $18,300 less a year. Rent and utilities account for about half of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
140

Cost of Living Index in Saratoga Springs, NY
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Saratoga Springs, NY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Saratoga Springs, NY

🇺🇸 United States

$2,870

/mo nomad

Monthly Cost of Living

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

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 Springs, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $2,870 in Saratoga Springs, NY.

Ubud, Bali $1,348
Saratoga Springs, NY $2,870

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $4,028 in Saratoga Springs, NY.

Ubud, Bali $2,312
Saratoga Springs, NY $4,028

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $5,185 in Saratoga Springs, NY.

Ubud, Bali $3,276
Saratoga Springs, NY $5,185

Living in Ubud, Bali costs roughly 53% less than in Saratoga Springs, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Saratoga Springs, NY 114% above.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$17.82 $17.82

-81.31%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$77.8 $77.8

-54.47%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$8.23 $8.23

-30.01%

Cappuccino

$2.63 Rp 47.0K

$5.33 $5.33

-50.66%

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

$1.74 Rp 31.0K

$2.65 $2.65

-34.34%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.93 $1.93

-60.10%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$6.68 $6.68

-59.43%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$7.35 $7.35

-38.50%

Milk (1 liter)

$1.53 Rp 27.4K

$0.88 $0.88

73.86%

White Bread (500g)

$2.20 Rp 39.2K

$3.36 $3.36

-34.52%

Rice (white) (1kg)

$1.22 Rp 21.8K

$4.50 $4.50

-72.89%

Eggs

$2.14 Rp 38.2K

$3.92 $3.92

-45.41%

Local Cheese (1kg)

$17.73 Rp 316.9K

$10.86 $10.86

63.26%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$13.76 $13.76

-71.95%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$18.00 $18.00

-33.17%

Apples (1kg)

$3.61 Rp 64.5K

$6.48 $6.48

-44.29%

Banana (1kg)

$1.51 Rp 27.1K

$1.43 $1.43

5.59%

Oranges (1kg)

$2.32 Rp 41.4K

$5.27 $5.27

-55.98%

Tomato (1kg)

$2.00 Rp 35.8K

$6.97 $6.97

-71.31%

Potato (1kg)

$1.81 Rp 32.4K

$3.00 $3.00

-39.67%

Onion (1kg)

$2.39 Rp 42.7K

$3.36 $3.36

-28.87%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.42 $2.42

-59.09%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$2.74 $2.74

-81.02%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$12.86 $12.86

-83.05%

Wine (Bottle)

$22.98 Rp 410.7K

$14.77 $14.77

55.59%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$2.95 $2.95

-18.64%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$4.79 $4.79

-37.37%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$3.82 $3.82

-88.48%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$2.17 $2.17

-80.65%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$29.63 $29.63

-81.61%

Gasoline (1 liter)

$0.84 Rp 15.1K

$0.96 $0.96

-12.50%

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

$24.3K Rp 434.8M

$33.9K $33.9K

-28.21%

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

$31.9K Rp 570.0M

$24.9K $24.9K

28.13%

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

$80.8 Rp 1.4M

$236 $236

-65.70%

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

$6.58 Rp 117.6K

$52.4 $52.4

-87.45%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$58.4 $58.4

-68.78%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$59.6 $59.6

-7.42%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$20.12 $20.12

-8.00%

Cinema Ticket

$4.24 Rp 75.9K

$14.95 $14.95

-71.64%

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

$486 Rp 8.7M

$1,387 $1,387

-64.98%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$17.7K $17.7K

-67.95%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$53.8 $53.8

-15.98%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$48.61 $48.61

-28.88%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$93.2 $93.2

-15.05%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$101 $101

-23.49%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$2,517 $2,517

-55.23%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$1,543 $1,543

-56.31%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$3,051 $3,051

18.58%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$2,169 $2,169

-20.02%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,942 $4,942

-96.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.66

106.91%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Saratoga Springs, NY: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Saratoga Springs, NY

$1.5K 53.9% 129% $869

Groceries & Markets

Ubud, Bali

$290 21.4%

Saratoga Springs, NY

$441 15.4% 51.9% $150

Eating Out

Ubud, Bali

$108 8%

Saratoga Springs, NY

$298 10.4% 176% $190

Clothing & Footwear

Ubud, Bali

$106 7.8%

Saratoga Springs, NY

$134 4.7% 25.6% $27

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Saratoga Springs, NY

$346 12.1% 228% $241

Sport & Entertainment

Ubud, Bali

$64 4.7%

Saratoga Springs, NY

$89 3.1% 40.6% $26

Getting Around

Ubud, Bali

$11 0.8%

Saratoga Springs, NY

$15 * 0.5% 39.8% $4.2

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $2,517 in Saratoga Springs, NY. Housing cost is often the main lever when comparing two cities.

Saratoga Springs, NY pays 2883% 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: $35.00 in Ubud, Bali vs $78.0 in Saratoga Springs, NY for a mid-range dinner for two. Groceries echo the gap at $290 vs $441 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Saratoga Springs, NY

🕒 Local time

15:32 3:32 PM

03:32 3:32 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

28,491

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 USD = 0.892 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 October 11, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Saratoga Springs, NY 16,070 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Saratoga Springs, NY

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 Springs, NY: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 113% lower than in Saratoga Springs, NY. 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 2883% lower in Saratoga Springs, NY. 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: $1,127 in Ubud, Bali versus $2,517 in Saratoga Springs, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 52% higher in Saratoga Springs, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,348 per month in Ubud, Bali versus $2,870 in Saratoga Springs, NY – a 113% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,348 in Ubud, Bali versus $2,870 in Saratoga Springs, NY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saratoga Springs, NY. 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 $1,348 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 Springs, NY 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 113% less than in Saratoga Springs, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.