Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and St Lawrence

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,179 in St Lawrence, rent and utilities included – about $22,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
153

Cost of Living Index in St Lawrence
Learn more

St Lawrence Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

St Lawrence

🇯🇪 Jersey

$3,179

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $3,179 in St Lawrence.

Ubud, Bali $1,349
St Lawrence $3,179

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $5,207 in St Lawrence.

Ubud, Bali $2,305
St Lawrence $5,207

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $7,234 in St Lawrence.

Ubud, Bali $3,261
St Lawrence $7,234

Living in Ubud, Bali costs roughly 58% less than in St Lawrence, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$40.12 JEP 29.97

-91.72%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$118 JEP 88.2

-69.81%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$10.70 JEP 7.99

-48.32%

Cappuccino

$2.72 Rp 49.3K

$4.92 JEP 3.67

-44.72%

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

$1.70 Rp 30.8K

$3.38 JEP 2.52

-49.70%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.45 JEP 1.83

-68.98%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$8.24 JEP 6.16

-67.84%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$6.42 JEP 4.79

-31.78%

Milk (1 liter)

$1.49 Rp 27.0K

$2.24 JEP 1.68

-33.48%

White Bread (500g)

$2.28 Rp 41.2K

$2.77 JEP 2.07

-17.69%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.62 JEP 1.96

-54.58%

Eggs

$2.04 Rp 36.9K

$5.60 JEP 4.18

-63.57%

Local Cheese (1kg)

$17.70 Rp 320.8K

$7.09 JEP 5.30

149.65%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$12.12 JEP 9.06

-67.33%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$18.43 JEP 13.77

-33.86%

Apples (1kg)

$3.66 Rp 66.2K

$4.19 JEP 3.13

-12.65%

Banana (1kg)

$1.52 Rp 27.5K

$3.51 JEP 2.62

-56.70%

Oranges (1kg)

$2.23 Rp 40.4K

$4.24 JEP 3.17

-47.41%

Tomato (1kg)

$1.97 Rp 35.7K

$4.46 JEP 3.33

-55.83%

Potato (1kg)

$1.85 Rp 33.5K

$3.29 JEP 2.45

-43.77%

Onion (1kg)

$2.42 Rp 43.9K

$3.13 JEP 2.34

-22.68%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.88 JEP 1.40

-47.34%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$2.53 JEP 1.89

-79.84%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$19.95 JEP 14.90

-88.87%

Wine (Bottle)

$22.24 Rp 403.0K

$10.51 JEP 7.85

111.61%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$4.78 JEP 3.57

-52.72%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$7.55 JEP 5.64

-60.66%

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

$5.37 JEP 4.01

-91.81%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$2.44 JEP 1.82

-82.38%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$52.7 JEP 39.36

-89.73%

Gasoline (1 liter)

$0.82 Rp 14.9K

$2.13 JEP 1.59

-61.50%

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

$23.8K Rp 432.0M

$26.7K JEP 19.9K

-10.68%

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

$31.7K Rp 575.3M

$37.2K JEP 27.8K

-14.70%

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

$79.1 Rp 1.4M

$319 JEP 238

-75.21%

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

$6.45 Rp 116.8K

$34.29 JEP 25.62

-81.19%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$74.0 JEP 55.3

-74.88%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$93.3 JEP 69.7

-46.96%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$20.22 JEP 15.10

-78.88%

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

$491 Rp 8.9M

$838 JEP 626

-41.49%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$11.8K JEP 8,827

-51.98%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$105 JEP 78.5

-57.54%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$74.4 JEP 55.6

-53.03%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$122 JEP 90.8

-34.28%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$210 JEP 157

-62.11%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,765 JEP 1,319

-36.28%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,466 JEP 1,095

-54.19%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$3,932 JEP 2,937

-9.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$3,393 JEP 2,535

-49.21%

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

4.08

237.75%

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 Lawrence: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

St Lawrence

$1.5K 46.1% 118% $794

Groceries & Markets

Ubud, Bali

$288 21.4%

St Lawrence

$416 13.1% 44% $127

Eating Out

Ubud, Bali

$108 8%

St Lawrence

$489 15.4% 355% $382

Clothing & Footwear

Ubud, Bali

$108 8%

St Lawrence

$230 7.2% 114% $122

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

St Lawrence

$427 13.4% 310% $323

Sport & Entertainment

Ubud, Bali

$58 4.3%

St Lawrence

$134 4.2% 130% $76

Getting Around

Ubud, Bali

$11 0.9%

St Lawrence

$18 * 0.6% 53.9% $6.2

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 $1,125 in Ubud, Bali and $1,765 in St Lawrence. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $118 in St Lawrence for a mid-range dinner for two. Groceries echo the gap at $288 vs $416 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇯🇪 St Lawrence

🕒 Local time

11:12 11:12 AM

03:12 3:12 AM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

5,500

💱 Currency

Indonesian Rupiah IDR Rp

Jersey Pound JEP £

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 JEP = 1.34 USD

1 JEP = 1.2 EUR

Exchange rates and currency converter

JEP, 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).

Jersey Pound exchange rates as of November 1, 2026: 1 USD = 0.747 JEP (1 JEP = 1.34 USD). 1 EUR = 0.834 JEP (1 JEP = 1.2 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali St Lawrence 12,690 km ≈ 16 h nonstop flight

From you

Ubud, Bali
St Lawrence

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 Lawrence: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 58% lower than in St Lawrence. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $2,023 in Ubud, Bali and $4,768 in St Lawrence 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: $1,125 in Ubud, Bali versus $1,765 in St Lawrence. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $838 in St Lawrence. 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 $36 versus $118 in St Lawrence. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Lawrence are both considered safe, so it’s unlikely to be the deciding factor between them.