Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Somerset, KY

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,591 in Somerset, KY, rent and utilities included – about $2,900 less a year. The total is higher in Somerset, KY despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
77

Cost of Living Index in Somerset, KY
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Somerset, KY Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Somerset, KY

🇺🇸 United States

$1,591

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Somerset, KY

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,591 in Somerset, KY.

Ubud, Bali $1,353
Somerset, KY $1,591

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,440 in Somerset, KY.

Ubud, Bali $2,297
Somerset, KY $2,440

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $3,289 in Somerset, KY.

Ubud, Bali $3,241
Somerset, KY $3,289

Living in Ubud, Bali costs roughly 15% less than in Somerset, KY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Somerset, KY 17% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$14.84 $14.84

-78.23%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$49.92 $49.92

-30.13%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.42 $8.42

-32.30%

Cappuccino

$2.62 Rp 47.1K

$4.11 $4.11

-36.25%

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

$1.72 Rp 31.0K

$2.30 $2.30

-25.22%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.65 $1.65

-50.91%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.45 $3.45

-23.19%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$4.08 $4.08

7.11%

Milk (1 liter)

$1.57 Rp 28.3K

$0.88 $0.88

78.41%

White Bread (500g)

$2.19 Rp 39.5K

$2.83 $2.83

-22.61%

Rice (white) (1kg)

$1.18 Rp 21.2K

$3.80 $3.80

-68.95%

Eggs

$2.16 Rp 38.8K

$4.22 $4.22

-48.82%

Local Cheese (1kg)

$17.65 Rp 317.7K

$6.80 $6.80

159.56%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$8.59 $8.59

-56.00%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$13.43 $13.43

-11.02%

Apples (1kg)

$3.60 Rp 64.8K

$5.65 $5.65

-36.28%

Banana (1kg)

$1.59 Rp 28.6K

$1.18 $1.18

34.75%

Oranges (1kg)

$2.31 Rp 41.6K

$4.36 $4.36

-47.02%

Tomato (1kg)

$1.91 Rp 34.3K

$4.81 $4.81

-60.29%

Potato (1kg)

$1.78 Rp 32.1K

$2.63 $2.63

-32.32%

Onion (1kg)

$2.33 Rp 41.9K

$3.18 $3.18

-26.73%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.96 $1.96

-48.98%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$1.54 $1.54

-65.58%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.83 $5.83

-60.72%

Wine (Bottle)

$22.07 Rp 397.3K

$12.04 $12.04

83.31%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$2.16 $2.16

8.80%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.52 $1.52

96.05%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.80 $1.80

-87.22%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.70 $3.70

-87.30%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.22 $1.22

-64.75%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$24.77 $24.77

-77.92%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.98 $0.98

-15.31%

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

$23.9K Rp 429.8M

$25.3K $25.3K

-5.53%

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

$32.8K Rp 590.1M

$26.7K $26.7K

23.02%

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

$80.0 Rp 1.4M

$150 $150

-46.64%

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

$6.56 Rp 118.1K

$78.2 $78.2

-91.61%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$71.4 $71.4

-73.96%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$41.93 $41.93

29.07%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$8.08 $8.08

-47.40%

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

$493 Rp 8.9M

$648 $648

-23.97%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$19.3K $19.3K

-70.98%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$24.53 $24.53

85.81%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$30.24 $30.24

15.61%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$55.7 $55.7

39.51%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$101 $101

-22.01%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$618 $618

82.98%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$559 $559

20.39%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,072 $1,072

236.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,064 $1,064

59.91%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,734 $2,734

-0.61%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,404 $2,404

-6.76%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,640 $4,640

-96.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

175.60%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Somerset, KY: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Somerset, KY

$559 35.1% 16.9% $114

Groceries & Markets

Ubud, Bali

$287 21.2%

Somerset, KY

$328 20.6% 14.3% $41

Clothing & Footwear

Ubud, Bali

$107 7.9%

Somerset, KY

$95 6% 10.8% $12

Eating Out

Ubud, Bali

$106 7.9%

Somerset, KY

$235 14.7% 120% $128

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Somerset, KY

$300 18.8% 185% $194

Sport & Entertainment

Ubud, Bali

$63 4.6%

Somerset, KY

$58 3.7% 7.2% $4.5

Getting Around

Ubud, Bali

$12 0.9%

Somerset, KY

$17 * 1.1% 36.9% $4.6

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 $1,131 in Ubud, Bali and $618 in Somerset, KY. Housing cost is often the main lever when comparing two cities.

Somerset, KY pays 2689% 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 $50.0 in Somerset, KY for a mid-range dinner for two. Groceries echo the gap at $287 vs $328 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Somerset, KY

🕒 Local time

16:13 4:13 PM

04:13 4:13 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

11,924

💱 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 = 0.89 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 October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 22, 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 Somerset, KY 16,260 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Somerset, KY

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 Somerset, KY: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and utilities. The 18% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2689% lower in Somerset, KY. 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: $1,131 in Ubud, Bali versus $618 in Somerset, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $648 in Somerset, KY. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $50.0 in Somerset, KY. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,353 in Ubud, Bali versus $1,591 in Somerset, KY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Somerset, KY. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Somerset, KY, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Somerset, KY 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 18% less than in Somerset, KY. Beyond cost, consider language, visa policies, and how big the international community is in each city.