Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and St.James

For one person, living is cheaper in St.James: $917 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
44

Cost of Living Index in St.James
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St.James Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

St.James

🇹🇹 Trinidad And Tobago

$917

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in St.James

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

A single person spends $1,349 per month in Ubud, Bali vs $917 in St.James, rent included.

Ubud, Bali $1,349
St.James $917

A couple spends around $2,305 per month in Ubud, Bali vs $1,593 in St.James, rent included.

Ubud, Bali $2,305
St.James $1,593

A family of three spends $3,261 per month in Ubud, Bali vs $2,270 in St.James, rent included.

Ubud, Bali $3,261
St.James $2,270

Ubud, Bali costs about 47% more than St.James, and outside of rent the biggest gap is in leisure.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$10.13 TTD 68.0

-67.23%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$88.4 TTD 593

-59.67%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$9.03 TTD 60.6

-38.76%

Cappuccino

$2.72 Rp 49.3K

$3.65 TTD 24.49

-25.48%

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

$1.70 Rp 30.8K

$0.99 TTD 6.67

71.72%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.77 TTD 5.15

-1.30%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.25 TTD 15.06

17.78%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$3.67 TTD 24.62

19.35%

Milk (1 liter)

$1.49 Rp 27.0K

$2.51 TTD 16.85

-40.64%

White Bread (500g)

$2.28 Rp 41.2K

$2.48 TTD 16.67

-8.06%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.80 TTD 18.82

-57.50%

Eggs

$2.04 Rp 36.9K

$4.43 TTD 29.73

-53.95%

Local Cheese (1kg)

$17.70 Rp 320.8K

$6.57 TTD 44.06

169.41%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$9.90 TTD 66.4

-60.00%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$11.79 TTD 79.1

3.39%

Apples (1kg)

$3.66 Rp 66.2K

$5.66 TTD 37.97

-35.34%

Banana (1kg)

$1.52 Rp 27.5K

$2.97 TTD 19.90

-48.82%

Oranges (1kg)

$2.23 Rp 40.4K

$3.75 TTD 25.19

-40.53%

Tomato (1kg)

$1.97 Rp 35.7K

$4.28 TTD 28.70

-53.97%

Potato (1kg)

$1.85 Rp 33.5K

$2.21 TTD 14.84

-16.29%

Onion (1kg)

$2.42 Rp 43.9K

$1.87 TTD 12.54

29.41%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.91 TTD 12.84

-48.17%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$1.35 TTD 9.08

-62.22%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$5.73 TTD 38.48

-61.26%

Wine (Bottle)

$22.24 Rp 403.0K

$19.28 TTD 129

15.35%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.21 TTD 14.82

2.26%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$3.00 TTD 20.13

-1.00%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.01 TTD 6.78

-56.44%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.23 TTD 8.26

-65.04%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$14.65 TTD 98.3

-63.07%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.17 TTD 7.83

-29.91%

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

$23.8K Rp 432.0M

$37.2K TTD 249.9K

-35.99%

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

$31.7K Rp 575.3M

$40.7K TTD 273.4K

-22.09%

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

$79.1 Rp 1.4M

$90.2 TTD 605

-12.38%

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

$6.45 Rp 116.8K

$50.9 TTD 341

-87.33%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$56.0 TTD 376

-66.82%

Gym Membership (Monthly)

$49.48 Rp 896.7K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$9.06 TTD 60.8

-52.87%

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

$491 Rp 8.9M

$398 TTD 2,669

23.30%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$10.9K TTD 73.1K

-47.94%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$54.3 TTD 364

-17.82%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$51.3 TTD 344

-31.87%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$148 TTD 996

-46.15%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$103 TTD 693

-23.15%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.75

139.65%

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

Last update for Ubud, Bali: October 25, 2026

Last update for St.James: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

St.James

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

St.James

$356 38.8% 23.4% $67

Eating Out

Ubud, Bali

$108 8%

St.James

$178 19.4% 64.9% $70

Clothing & Footwear

Ubud, Bali

$108 8%

St.James

$161 17.5% 49.6% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

St.James

$197 21.5% 89.4% $93

Sport & Entertainment

Ubud, Bali

$58 4.3%

St.James

$18 * 2% 68.8% $40

Getting Around

Ubud, Bali

$11 0.9%

St.James

$7.2 * 0.8% 37.3% $4.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $36 in Ubud, Bali versus $88 in St.James. Monthly groceries follow the same trend: $288 vs $356 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇹🇹 St.James

🕒 Local time

11:56 11:56 AM

23:56 11:56 PM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

4,342

💱 Currency

Indonesian Rupiah IDR Rp

Trinidad and Tobago Dollar TTD $

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 TTD = 0.149 USD

1 TTD = 0.133 EUR

Exchange rates and currency converter

TTD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Trinidad and Tobago Dollar exchange rates as of November 1, 2026: 1 USD = 6.71 TTD (1 TTD = 0.149 USD). 1 EUR = 7.49 TTD (1 TTD = 0.133 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali St.James 19,590 km ≈ 25 h nonstop flight

From you

Ubud, Bali
St.James

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.James: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $917 in St.James – St.James comes out roughly 32% cheaper. Outside of rent, the biggest gap is in leisure.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,375 in St.James. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $917 in St.James. That makes St.James about 32% cheaper.

Kindergarten costs $491 per month in Ubud, Bali and $398 in St.James. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,200 monthly budget goes further in St.James, where all-in costs run around $917, than in Ubud, Bali at $1,349. In St.James it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.