Cost of Living Comparison Between Ubud, Bali and St Francis Bay Cost of Living Comparison Between Ubud, Bali and St Francis Bay

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $1,017 in St Francis Bay.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,580 in St Francis Bay.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $2,143 in St Francis Bay.

Living in Ubud, Bali is roughly 37% more expensive than in St Francis Bay, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, St Francis Bay is 24% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$8.64 R 142

-58.68%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$33.34 R 549

-3.06%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$4.94 R 81.4

1.42%

Cappuccino

$2.82 Rp 51.0K

$2.11 R 34.73

33.65%

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

$1.35 Rp 24.4K

$1.02 R 16.86

32.35%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.78 R 12.78

-6.41%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$2.31 R 37.95

26.84%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$2.59 R 42.62

52.12%

Milk (1 liter)

$1.78 Rp 32.1K

$1.14 R 18.84

56.14%

White Bread (500g)

$2.45 Rp 44.2K

$1.05 R 17.29

133.33%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.57 R 25.80

-26.75%

Eggs

$2.41 Rp 43.6K

$2.39 R 39.32

0.84%

Local Cheese (1kg)

$14.33 Rp 258.7K

$7.92 R 130

80.93%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$4.63 R 76.3

-9.50%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$6.76 R 111

78.40%

Apples (1kg)

$3.64 Rp 65.7K

$1.66 R 27.40

119.28%

Banana (1kg)

$1.57 Rp 28.3K

$1.52 R 25.02

3.29%

Oranges (1kg)

$2.79 Rp 50.3K

$1.48 R 24.30

88.51%

Tomato (1kg)

$2.24 Rp 40.5K

$1.65 R 27.18

35.76%

Potato (1kg)

$1.98 Rp 35.7K

$1.37 R 22.54

44.53%

Onion (1kg)

$2.28 Rp 41.1K

$1.22 R 20.11

86.89%

Lettuce (1 head)

$1.05 Rp 19.0K

$1.09 R 17.90

-3.67%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.90 R 14.74

-12.22%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$2.77 R 45.60

15.16%

Wine (Bottle)

$23.49 Rp 424.1K

$4.65 R 76.5

405.16%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.34 R 22.05

116.42%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.72 R 28.35

60.47%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$1.67 R 27.54

-83.83%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$1.09 R 18.00

-58.72%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.91 R 14.97

-49.45%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$3.98 R 65.6

52.51%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.27 R 20.97

-32.28%

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

$26.6K Rp 480.0M

$21.6K R 356.2K

22.87%

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

$32.5K Rp 587.6M

$23.4K R 385.8K

38.89%

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

$79.0 Rp 1.4M

$118 R 1,944

-33.09%

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

$4.09 Rp 73.9K

$34.99 R 576

-88.31%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$41.92 R 690

-43.11%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$30.80 R 507

220.71%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$10.99 R 181

-42.22%

Cinema Ticket

$4.01 Rp 72.3K

$6.55 R 108

-38.78%

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

$297 Rp 5.4M

$195 R 3,203

52.75%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$4,292 R 70.7K

53.83%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$51.0 R 839

4.85%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$31.75 R 523

20.03%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$89.4 R 1,472

-0.87%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$79.5 R 1,309

-3.61%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$360 R 5,923

183.41%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$339 R 5,580

100.68%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$682 R 11.2K

408.49%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$693 R 11.4K

201.77%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$755 R 12.4K

261.40%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$645 R 10.6K

256.10%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

11.51

15.38%

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

Last update for Ubud, Bali: July 28, 2026

Last update for St Francis Bay: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $360 in St Francis Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $33.00 in St Francis Bay. Groceries flip the comparison at $298 vs $178, with St Francis Bay 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 Francis Bay: Cost of Living - Frequently Asked Questions

Ubud, Bali and St Francis Bay differ by about 37% in total monthly costs ($1,392 vs $1,017 including rent). St Francis Bay is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,088 in Ubud, Bali and $1,525 in St Francis Bay 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: $1,020 in Ubud, Bali versus $360 in St Francis Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $195 in St Francis Bay. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in St Francis Bay – a meal for two runs $33.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,017 in St Francis Bay versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in St Francis Bay but tight or insufficient in Ubud, Bali. The gap between the two cities makes St Francis Bay 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 St Francis Bay 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 St Francis Bay gentler on the wallet – expenses run 37% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.