Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Severn, MD

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $2,441 in Severn, MD, rent and utilities included – about $13,300 less a year. Rent and utilities account for about half of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
124

Cost of Living Index in Severn, MD
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Severn, MD Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Severn, MD

🇺🇸 United States

$2,441

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Severn, MD

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $2,441 in Severn, MD.

Ubud, Bali $1,331
Severn, MD $2,441

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $3,690 in Severn, MD.

Ubud, Bali $2,255
Severn, MD $3,690

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $4,939 in Severn, MD.

Ubud, Bali $3,180
Severn, MD $4,939

Living in Ubud, Bali costs roughly 45% less than in Severn, MD, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Severn, MD is 81% above.

Meal at Budget Restaurant

$3.38 Rp 61.1K

$17.74 $17.74

-80.95%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 627.3K

$95.8 $95.8

-63.83%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.9K

$10.62 $10.62

-47.55%

Cappuccino

$2.62 Rp 47.4K

$5.23 $5.23

-49.90%

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

$1.54 Rp 27.9K

$3.10 $3.10

-50.32%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.50 $2.50

-74.40%

Local Beer (0.5 liter draught)

$2.67 Rp 48.3K

$7.18 $7.18

-62.81%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.2K

$7.82 $7.82

-45.52%

Milk (1 liter)

$1.46 Rp 26.5K

$1.11 $1.11

31.53%

White Bread (500g)

$2.29 Rp 41.5K

$4.01 $4.01

-42.89%

Rice (white) (1kg)

$1.11 Rp 20.0K

$4.22 $4.22

-73.70%

Eggs

$2.10 Rp 38.0K

$4.99 $4.99

-57.92%

Local Cheese (1kg)

$15.94 Rp 288.6K

$12.73 $12.73

25.22%

Chicken Fillets (1kg)

$3.88 Rp 70.3K

$12.80 $12.80

-69.69%

Beef Round Steak (1kg)

$11.40 Rp 206.4K

$18.70 $18.70

-39.04%

Apples (1kg)

$3.55 Rp 64.3K

$5.45 $5.45

-34.86%

Banana (1kg)

$1.54 Rp 27.8K

$1.57 $1.57

-1.91%

Oranges (1kg)

$2.23 Rp 40.4K

$4.63 $4.63

-51.84%

Tomato (1kg)

$1.97 Rp 35.7K

$4.81 $4.81

-59.04%

Potato (1kg)

$1.86 Rp 33.6K

$2.82 $2.82

-34.04%

Onion (1kg)

$2.42 Rp 43.8K

$2.81 $2.81

-13.88%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.27 $2.27

-55.07%

Water (1.5 liter bottle)

$0.52 Rp 9,456

$2.33 $2.33

-77.68%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.8K

$9.55 $9.55

-76.96%

Wine (Bottle)

$21.79 Rp 394.4K

$15.78 $15.78

38.09%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.1K

$2.59 $2.59

-10.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.91 $2.91

2.06%

One-way Ticket (Public Transport)

$0.25 Rp 4,533

$1.87 $1.87

-86.63%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.0K

$55.8 $55.8

-85.36%

Taxi Start (Normal Tariff)

$0.44 Rp 7,925

$1.83 $1.83

-75.96%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,472

$1.35 $1.35

-65.19%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.4K

$23.68 $23.68

-76.35%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.01 $1.01

-17.82%

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

$24.4K Rp 442.6M

$29.4K $29.4K

-16.80%

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

$31.7K Rp 573.8M

$26.1K $26.1K

21.47%

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

$77.5 Rp 1.4M

$166 $166

-53.38%

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

$6.14 Rp 111.2K

$51.6 $51.6

-88.10%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 342.4K

$63.0 $63.0

-69.94%

Gym Membership (Monthly)

$51.0 Rp 923.1K

$40.08 $40.08

27.22%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

Cinema Ticket

$4.38 Rp 79.3K

$14.72 $14.72

-70.24%

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

$492 Rp 8.9M

$1,856 $1,856

-73.47%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.2M

$23.8K $23.8K

-48.71%

Jeans (Levis 501 Or Similar)

$45.16 Rp 817.6K

$52.1 $52.1

-13.30%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 631.6K

$63.5 $63.5

-45.05%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$93.2 $93.2

-15.99%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$112 $112

-30.76%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$1,561 $1,561

-30.96%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$1,137 $1,137

-41.52%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.5M

$2,229 $2,229

57.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$1,921 $1,921

-13.00%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,703 $2,703

-13.44%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

$2,518 $2,518

-11.17%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.86

100.87%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Severn, MD: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Severn, MD

$1.1K 46.6% 71% $472

Groceries & Markets

Ubud, Bali

$279 21%

Severn, MD

$427 17.5% 52.8% $148

Clothing & Footwear

Ubud, Bali

$106 8%

Severn, MD

$145 5.9% 36% $38

Eating Out

Ubud, Bali

$106 8%

Severn, MD

$311 12.7% 194% $205

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Severn, MD

$281 11.5% 174% $178

Sport & Entertainment

Ubud, Bali

$60 4.5%

Severn, MD

$70 2.9% 16.3% $9.8

Getting Around

Ubud, Bali

$12 0.9%

Severn, MD

$72 2.9% 501% $60

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $1,561 in Severn, MD. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $96 in Severn, MD for a mid-range dinner for two. Groceries echo the gap at $279 vs $427 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Severn, MD

🕒 Local time

23:22 11:22 PM

10:22 10:22 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

44,231

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 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 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,331 IDR (100,000 IDR = 4.92 EUR).

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Severn, MD 16,410 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Severn, MD

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 Severn, MD: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 45% lower than in Severn, MD. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $1,996 in Ubud, Bali and $3,662 in Severn, MD to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,078 in Ubud, Bali versus $1,561 in Severn, MD. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Severn, MD. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $96 in Severn, MD. If you eat out regularly, this makes a real dent in your monthly spending.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 45% less than in Severn, MD. Beyond cost, consider language, visa policies, and how big the international community is in each city.