Cost of Living Comparison Between Ubud, Bali and St. Cloud, MN Cost of Living Comparison Between Ubud, Bali and St. Cloud, MN

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $2,523 in St. Cloud, MN.

Estimated couple costs with rent: $2,582 in Ubud, Bali versus $3,609 in St. Cloud, MN.

Monthly costs for a family of three with rent: $3,757 in Ubud, Bali versus $4,695 in St. Cloud, MN.

Living in Ubud, Bali costs roughly 44% less than in St. Cloud, MN, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, St. Cloud, MN 88% above.

Meal at Budget Restaurant

$3.42 Rp 58.7K

$18.34 $18.34

-81.35%

Three-Course Dinner for Two, Mid-Range

$32.96 Rp 566.5K

$66.4 $66.4

-50.35%

Fast Food Meal (McDonalds, etc)

$5.08 Rp 87.3K

$10.16 $10.16

-50.00%

Cappuccino

$2.82 Rp 48.5K

$5.11 $5.11

-44.81%

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

$1.37 Rp 23.5K

$2.76 $2.76

-50.36%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$2.37 $2.37

-70.04%

Local Beer (0.5 liter draught)

$2.97 Rp 51.0K

$6.02 $6.02

-50.66%

Imported Beer (0.33 liter bottle)

$3.91 Rp 67.2K

$6.88 $6.88

-43.17%

Milk (1 liter)

$1.75 Rp 30.0K

$0.76 $0.76

130.26%

White Bread (500g)

$2.52 Rp 43.2K

$2.68 $2.68

-5.97%

Rice (white) (1kg)

$1.21 Rp 20.8K

$3.35 $3.35

-63.88%

Eggs

$2.33 Rp 40.1K

$2.26 $2.26

3.10%

Local Cheese (1kg)

$14.50 Rp 249.2K

$4.82 $4.82

200.83%

Chicken Fillets (1kg)

$4.36 Rp 74.9K

$9.58 $9.58

-54.49%

Beef Round Steak (1kg)

$12.05 Rp 207.0K

$14.36 $14.36

-16.09%

Apples (1kg)

$3.82 Rp 65.6K

$3.80 $3.80

0.53%

Banana (1kg)

$1.61 Rp 27.7K

$1.20 $1.20

34.17%

Oranges (1kg)

$2.70 Rp 46.5K

$3.34 $3.34

-19.16%

Tomato (1kg)

$2.23 Rp 38.3K

$2.18 $2.18

2.29%

Potato (1kg)

$1.90 Rp 32.6K

$0.78 $0.78

143.59%

Onion (1kg)

$2.18 Rp 37.5K

$1.63 $1.63

33.74%

Lettuce (1 head)

$1.03 Rp 17.7K

$2.05 $2.05

-49.76%

Water (1.5 liter bottle)

$0.77 Rp 13.3K

$1.90 $1.90

-59.47%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 54.7K

$10.19 $10.19

-68.79%

Wine (Bottle)

$23.23 Rp 399.2K

$11.98 $11.98

93.91%

Local Beer (0.5 liter bottle)

$2.85 Rp 48.9K

$1.76 $1.76

61.93%

Imported Beer (0.33 liter bottle)

$2.72 Rp 46.7K

$4.51 $4.51

-39.69%

One-way Ticket (Public Transport)

$0.29 Rp 5,022

$1.98 $1.98

-85.35%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

Taxi Start (Normal Tariff)

$0.49 Rp 8,344

$4.95 $4.95

-90.10%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,812

$1.37 $1.37

-67.15%

Taxi 1hour Waiting (Normal Tariff)

$6.28 Rp 107.8K

$29.34 $29.34

-78.60%

Gasoline (1 liter)

$0.85 Rp 14.6K

$0.85 $0.85

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

$26.1K Rp 447.8M

$36.0K $36.0K

-27.53%

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

$31.5K Rp 541.8M

$25.2K $25.2K

25.24%

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

$79.8 Rp 1.4M

$221 $221

-63.96%

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

$4.09 Rp 70.3K

$48.35 $48.35

-91.54%

Internet (50+ Mbps, Unlimited Data)

$24.06 Rp 413.6K

$49.30 $49.30

-51.20%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$43.38 $43.38

121.74%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 112.2K

Cinema Ticket

$4.13 Rp 71.1K

$14.20 $14.20

-70.92%

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

$297 Rp 5.1M

$1,474 $1,474

-79.87%

International Primary School, 1 Child (Yearly)

$6,661 Rp 114.5M

$30.1K $30.1K

-77.89%

Jeans (Levis 501 Or Similar)

$55.0 Rp 944.5K

$39.26 $39.26

39.99%

Summer Dress (H&M, Zara, etc)

$38.75 Rp 666.0K

$41.65 $41.65

-6.96%

Sport Shoes (Adidas, Nike)

$89.6 Rp 1.5M

$85.9 $85.9

4.38%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$126 $126

-37.47%

1-bedroom Apartment, City Center (Monthly)

$1,018 Rp 17.5M

$1,578 $1,578

-35.45%

1-bedroom Apartment, Outside City Center (Monthly)

$660 Rp 11.3M

$1,327 $1,327

-50.26%

3-bedroom Apartment, City Center (Monthly)

$3,435 Rp 59.0M

$2,679 $2,679

28.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,053 Rp 35.3M

$2,253 $2,253

-8.86%

Buy Apartment in City Center (m2)

$2,981 Rp 51.2M

Buy Apartment Outside City Center (m2)

$2,368 Rp 40.7M

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

$6,091 $6,091

-97.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.43

106.53%

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

Last update for Ubud, Bali: April 21, 2026

Last update for St. Cloud, MN: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,018 in Ubud, Bali and $1,578 in St. Cloud, MN. Housing cost is often the main lever when comparing two cities.

St. Cloud, MN pays 3440% 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: $33 in Ubud, Bali vs $66 in St. Cloud, MN. Groceries flip the comparison at $299 vs $291, with St. Cloud, MN 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 St. Cloud, MN: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 79% gap adds up to real monthly savings that compound significantly over time.

On paper, St. Cloud, MN earns 3440% less. 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: $1,018 in Ubud, Bali versus $1,578 in St. Cloud, MN. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $1,474 in St. Cloud, MN. 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 $33.00 versus $66.0 in St. Cloud, MN. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,408 in Ubud, Bali versus $2,523 in St. Cloud, MN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Cloud, MN. 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 St. Cloud, MN, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and St. Cloud, MN 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 79% less than in St. Cloud, MN. Beyond cost, consider language, visa policies, and how big the international community is in each city.