Last update: Nov 2026

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

For one person, living is cheaper in St Francis Bay: $979 a month against $1,331 in Ubud, Bali, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
49

Cost of Living Index in St Francis Bay
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St Francis Bay Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

St Francis Bay

🇿🇦 South Africa

$979

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in St Francis Bay

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 St Francis Bay actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $979 in St Francis Bay.

Ubud, Bali $1,331
St Francis Bay $979

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,629 in St Francis Bay.

Ubud, Bali $2,255
St Francis Bay $1,629

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $2,279 in St Francis Bay.

Ubud, Bali $3,180
St Francis Bay $2,279

Living in Ubud, Bali is roughly 36% more expensive than in St Francis Bay, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, St Francis Bay 28% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$10.81 R 178

-68.73%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$41.74 R 687

-16.99%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$3.53 R 58.1

57.79%

Cappuccino

$2.62 Rp 47.6K

$2.14 R 35.16

22.43%

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

$1.54 Rp 27.9K

$1.01 R 16.66

52.48%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.72 R 11.93

-11.11%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$2.06 R 33.81

29.61%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$1.84 R 30.32

131.52%

Milk (1 liter)

$1.46 Rp 26.5K

$0.94 R 15.47

55.32%

White Bread (500g)

$2.29 Rp 41.6K

$1.00 R 16.37

129.00%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.50 R 24.70

-26.00%

Eggs

$2.10 Rp 38.1K

$2.70 R 44.44

-22.22%

Local Cheese (1kg)

$15.94 Rp 289.4K

$7.11 R 117

124.19%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$5.22 R 85.9

-25.67%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$8.63 R 142

32.10%

Apples (1kg)

$3.55 Rp 64.5K

$2.18 R 35.80

62.84%

Banana (1kg)

$1.54 Rp 27.9K

$1.46 R 23.99

5.48%

Oranges (1kg)

$2.23 Rp 40.5K

$1.70 R 28.03

31.18%

Tomato (1kg)

$1.97 Rp 35.8K

$1.81 R 29.70

8.84%

Potato (1kg)

$1.86 Rp 33.7K

$1.74 R 28.56

6.90%

Onion (1kg)

$2.42 Rp 43.9K

$1.37 R 22.62

76.64%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.24 R 20.35

-17.74%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$1.03 R 16.88

-49.51%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.14 R 51.6

-29.94%

Wine (Bottle)

$21.79 Rp 395.6K

$4.74 R 77.9

359.70%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.27 R 20.90

83.46%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.81 R 29.80

64.09%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$1.78 R 29.24

-85.96%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$0.82 R 13.47

-46.34%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$0.46 R 7.53

2.17%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$8.62 R 142

-35.03%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.31 R 21.50

-36.64%

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

$24.4K Rp 443.8M

$21.0K R 345.5K

16.40%

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

$31.7K Rp 575.5M

$35.2K R 578.5K

-9.86%

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

$77.5 Rp 1.4M

$60.8 R 999

27.54%

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

$6.14 Rp 111.6K

$34.39 R 566

-82.15%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$41.35 R 680

-54.24%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$28.64 R 471

78.04%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$12.00 R 197

52.08%

Cinema Ticket

$4.38 Rp 79.6K

$9.20 R 151

-52.39%

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

$492 Rp 8.9M

$179 R 2,941

175.40%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$6,135 R 100.9K

99.22%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$71.9 R 1,182

-37.16%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$39.31 R 647

-11.24%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$112 R 1,846

-30.22%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$95.1 R 1,564

-18.10%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$420 R 6,910

156.54%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$308 R 5,069

115.78%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$834 R 13.7K

321.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$711 R 11.7K

135.15%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$784 R 12.9K

198.41%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$648 R 10.7K

245.22%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.94

15.41%

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

Last update for Ubud, Bali: November 1, 2026

Last update for St Francis Bay: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

St Francis Bay

$308 31.5% 53.7% $357

Groceries & Markets

Ubud, Bali

$279 21%

St Francis Bay

$190 19.4% 32.1% $90

Clothing & Footwear

Ubud, Bali

$106 8%

St Francis Bay

$143 14.7% 34.8% $37

Eating Out

Ubud, Bali

$106 8%

St Francis Bay

$144 14.7% 35.8% $38

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

St Francis Bay

$136 14% 33.1% $34

Sport & Entertainment

Ubud, Bali

$60 4.5%

St Francis Bay

$47 4.8% 21.3% $13

Getting Around

Ubud, Bali

$12 0.9%

St Francis Bay

$10 * 1% 14.5% $1.7

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 $1,078 in Ubud, Bali and $420 in St Francis Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $42 in St Francis Bay. Groceries flip the comparison at $279 vs $190, with St Francis Bay cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇿🇦 St Francis Bay

🕒 Local time

20:53 8:53 PM

14:53 2:53 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

5,910

💱 Currency

Indonesian Rupiah IDR Rp

South African Rand ZAR R

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

100 ZAR = 6.08 USD

100 ZAR = 5.42 EUR

Exchange rates and currency converter

ZAR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,353 IDR (100,000 IDR = 4.91 EUR).

South African Rand exchange rates as of November 4, 2026: 1 USD = 16.45 ZAR (100 ZAR = 6.08 USD). 1 EUR = 18.44 ZAR (100 ZAR = 5.42 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali St Francis Bay 9,520 km ≈ 12 h nonstop flight

From you

Ubud, Bali
St Francis Bay

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 St Francis Bay: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $979 in St Francis Bay, so St Francis Bay is about 26% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $1,468 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: $1,078 in Ubud, Bali versus $420 in St Francis Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $179 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 Ubud, Bali – a meal for two runs $35 versus $42 in St Francis Bay. If you eat out regularly, this makes a real dent in your monthly spending.

At $979 in St Francis Bay versus $1,331 in Ubud, Bali, a $1,200 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 both considered safe, so it’s unlikely to be the deciding factor between them.