Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,455 in Saratoga Springs, UT,, rent and utilities included – about $13,000 less a year. Rent and utilities account for about half of the difference.

67

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

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

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Saratoga Springs, UT,

🇺🇸 United States

$2,455

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $2,455 in Saratoga Springs, UT,.

Ubud, Bali $1,368
Saratoga Springs, UT, $2,455

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $3,722 in Saratoga Springs, UT,.

Ubud, Bali $2,314
Saratoga Springs, UT, $3,722

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $4,988 in Saratoga Springs, UT,.

Ubud, Bali $3,260
Saratoga Springs, UT, $4,988

Living in Ubud, Bali costs roughly 44% less than in Saratoga Springs, UT,, 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, UT, 82% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$20.11 $20.11

-83.44%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$81.2 $81.2

-56.69%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$11.56 $11.56

-49.83%

Cappuccino

$2.73 Rp 49.1K

$5.21 $5.21

-47.60%

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

$1.64 Rp 29.5K

$2.69 $2.69

-39.03%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.03 $2.03

-59.11%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$6.06 $6.06

-55.45%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$7.32 $7.32

-41.26%

Milk (1 liter)

$1.50 Rp 27.1K

$0.97 $0.97

54.64%

White Bread (500g)

$2.30 Rp 41.4K

$3.51 $3.51

-34.47%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.54 $2.54

-53.54%

Eggs

$2.14 Rp 38.6K

$4.65 $4.65

-53.98%

Local Cheese (1kg)

$17.48 Rp 314.6K

$16.52 $16.52

5.81%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$13.49 $13.49

-70.13%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$14.32 $14.32

-14.59%

Apples (1kg)

$3.55 Rp 63.9K

$6.52 $6.52

-45.55%

Banana (1kg)

$1.57 Rp 28.3K

$1.57 $1.57

Oranges (1kg)

$2.24 Rp 40.2K

$5.72 $5.72

-60.84%

Tomato (1kg)

$1.93 Rp 34.7K

$4.69 $4.69

-58.85%

Potato (1kg)

$1.88 Rp 33.9K

$4.73 $4.73

-60.25%

Onion (1kg)

$2.29 Rp 41.3K

$4.21 $4.21

-45.61%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.91 $1.91

-48.17%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$3.02 $3.02

-82.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$8.52 $8.52

-73.24%

Wine (Bottle)

$23.01 Rp 414.2K

$14.88 $14.88

54.64%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.79 $1.79

30.73%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$3.50 $3.50

-16.86%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$2.04 $2.04

-88.24%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$45.60 $45.60

-80.66%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$3.06 $3.06

-84.31%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.91 $1.91

-75.92%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$31.13 $31.13

-82.49%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.13 $1.13

-22.12%

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

$24.6K Rp 442.2M

$31.6K $31.6K

-22.14%

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

$31.2K Rp 561.4M

$22.0K $22.0K

41.99%

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

$83.0 Rp 1.5M

$202 $202

-58.98%

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

$6.45 Rp 116.0K

$58.5 $58.5

-88.98%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$69.9 $69.9

-73.44%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$65.1 $65.1

-14.23%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

$10.83 $10.83

-59.56%

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

$493 Rp 8.9M

$1,393 $1,393

-64.61%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$21.1K $21.1K

-72.77%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$54.0 $54.0

-14.40%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$40.82 $40.82

-13.45%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$88.2 $88.2

-10.28%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$113 $113

-30.79%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$1,184 $1,184

-3.54%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$1,082 $1,082

-37.56%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$2,042 $2,042

71.51%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,933 $1,933

-12.06%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$2,527 $2,527

10.17%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,543 $2,543

-11.88%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$4,863 $4,863

-96.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.57

109.74%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Saratoga Springs, UT,: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Saratoga Springs, UT,

$1.1K 44.1% 60.2% $406

Groceries & Markets

Ubud, Bali

$290 21.2%

Saratoga Springs, UT,

$434 17.7% 49.5% $144

Eating Out

Ubud, Bali

$109 8%

Saratoga Springs, UT,

$322 13.1% 196% $213

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Saratoga Springs, UT,

$331 13.5% 206% $223

Clothing & Footwear

Ubud, Bali

$108 7.9%

Saratoga Springs, UT,

$133 5.4% 23.9% $26

Sport & Entertainment

Ubud, Bali

$65 4.7%

Saratoga Springs, UT,

$87 3.5% 34.3% $22

Getting Around

Ubud, Bali

$13 0.9%

Saratoga Springs, UT,

$66 2.7% 429% $54

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $1,184 in Saratoga Springs, UT,. Housing cost is often the main lever when comparing two cities.

Saratoga Springs, UT, pays 2855% 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 $81.0 in Saratoga Springs, UT, for a mid-range dinner for two. Groceries echo the gap at $290 vs $434 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Saratoga Springs, UT,

🕒 Local time

02:34 2:34 AM

12:34 12:34 PM

14 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

28,491

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.889 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 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Saratoga Springs, UT, 14,170 km ≈ 18 h nonstop flight

From you

Ubud, Bali
Saratoga Springs, UT,

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, UT,: Cost of Living - Frequently Asked Questions

Ubud, Bali and Saratoga Springs, UT, differ by about 80% in total monthly costs ($1,368 vs $2,455 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 2855% lower in Saratoga Springs, UT,. 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: $1,142 in Ubud, Bali versus $1,184 in Saratoga Springs, UT,. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $1,393 in Saratoga Springs, UT,. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 49% higher in Saratoga Springs, UT,. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $2,455 in Saratoga Springs, UT,, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Saratoga Springs, UT,. 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 Saratoga Springs, UT, 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 80% less than in Saratoga Springs, UT,. Beyond cost, consider language, visa policies, and how big the international community is in each city.