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: $1,368 in Ubud, Bali versus $1,052 in St Francis Bay.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,736 in St Francis Bay.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,421 in St Francis Bay.

Living in Ubud, Bali is roughly 30% more expensive than in St Francis Bay, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, St Francis Bay is 23% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$11.21 R 182

-69.31%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

$43.44 R 706

-16.41%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$3.69 R 59.9

54.74%

Cappuccino

$2.67 Rp 47.4K

$2.13 R 34.63

25.35%

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

$1.75 Rp 31.0K

$1.10 R 17.81

59.09%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.79 R 12.85

10.13%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$2.14 R 34.83

37.85%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

$1.86 R 30.23

143.01%

Milk (1 liter)

$1.62 Rp 28.7K

$0.92 R 14.88

76.09%

White Bread (500g)

$2.33 Rp 41.3K

$1.08 R 17.56

115.74%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.55 R 25.21

-28.39%

Eggs

$2.20 Rp 39.0K

$2.87 R 46.62

-23.34%

Local Cheese (1kg)

$17.69 Rp 313.9K

$7.56 R 123

133.99%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$5.49 R 89.1

-25.32%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$8.90 R 145

36.85%

Apples (1kg)

$3.71 Rp 65.8K

$2.19 R 35.58

69.41%

Banana (1kg)

$1.59 Rp 28.2K

$1.60 R 26.03

-0.63%

Oranges (1kg)

$2.28 Rp 40.5K

$1.74 R 28.34

31.03%

Tomato (1kg)

$1.95 Rp 34.7K

$1.80 R 29.24

8.33%

Potato (1kg)

$1.91 Rp 33.8K

$1.74 R 28.21

9.77%

Onion (1kg)

$2.33 Rp 41.4K

$1.44 R 23.35

61.81%

Lettuce (1 head)

$1.01 Rp 17.9K

$1.30 R 21.08

-22.31%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$1.01 R 16.42

-45.54%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$3.28 R 53.2

-32.01%

Wine (Bottle)

$23.07 Rp 409.3K

$5.04 R 81.8

357.74%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.27 R 20.70

90.55%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$1.81 R 29.47

65.75%

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$1.59 R 25.79

-83.02%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$0.61 R 9.88

-21.31%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

$0.51 R 8.33

-15.69%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$8.50 R 138

-33.65%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.36 R 22.15

-41.18%

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

$24.9K Rp 442.5M

$21.1K R 342.6K

18.28%

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

$31.7K Rp 562.6M

$35.1K R 570.9K

-9.76%

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

$81.5 Rp 1.4M

$62.8 R 1,021

29.67%

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

$6.49 Rp 115.2K

$35.85 R 582

-81.90%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$44.63 R 725

-57.94%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$33.06 R 537

72.02%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$12.37 R 201

51.41%

Cinema Ticket

$4.54 Rp 80.5K

$9.20 R 149

-50.65%

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

$481 Rp 8.5M

$183 R 2,972

162.79%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$6,461 R 105.0K

-11.61%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$73.2 R 1,189

-37.78%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$38.76 R 630

-7.43%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$117 R 1,893

-31.01%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$98.1 R 1,593

-19.77%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$434 R 7,054

156.70%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$368 R 5,982

89.48%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$815 R 13.2K

346.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$788 R 12.8K

120.42%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$909 R 14.8K

206.23%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$696 R 11.3K

228.76%

Average Monthly Net Salary (After Tax)

$168 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: September 14, 2026

Last update for St Francis Bay: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $434 in St Francis Bay. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $43.00 in St Francis Bay. Groceries flip the comparison at $295 vs $196, 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 30% in total monthly costs ($1,368 vs $1,052 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 $2,052 in Ubud, Bali and $1,578 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: $1,115 in Ubud, Bali versus $434 in St Francis Bay. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $481 in Ubud, Bali versus $183 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 $43.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,052 in St Francis Bay versus $1,368 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 30% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.