Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Surat

For one person, living is cheaper in Surat: $799 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,600 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
39

Cost of Living Index in Surat
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Surat Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Surat

🇮🇳 India

$799

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Surat

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $799 in Surat.

Ubud, Bali $1,349
Surat $799

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $853 in Surat.

Ubud, Bali $2,305
Surat $853

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $906 in Surat.

Ubud, Bali $3,261
Surat $906

Living in Ubud, Bali is roughly 69% more expensive than in Surat, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$3.14 ₹298

5.73%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$10.59 ₹1,005

236.54%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$3.22 ₹305

71.74%

Cappuccino

$2.72 Rp 49.3K

$1.76 ₹167

54.55%

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

$1.70 Rp 30.9K

$0.39 ₹37.11

335.90%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.14 ₹13.58

442.86%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.21 ₹305

-17.45%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$3.39 ₹322

29.20%

Milk (1 liter)

$1.49 Rp 27.1K

$0.72 ₹68.1

106.94%

White Bread (500g)

$2.28 Rp 41.3K

$0.46 ₹43.76

395.65%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.72 ₹68.5

65.28%

Eggs

$2.04 Rp 36.9K

$0.90 ₹85.5

126.67%

Local Cheese (1kg)

$17.70 Rp 321.2K

$4.63 ₹439

282.29%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$2.74 ₹260

44.53%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

Apples (1kg)

$3.66 Rp 66.3K

$1.67 ₹158

119.16%

Banana (1kg)

$1.52 Rp 27.5K

$0.57 ₹54.5

166.67%

Oranges (1kg)

$2.23 Rp 40.4K

$0.76 ₹71.9

193.42%

Tomato (1kg)

$1.97 Rp 35.8K

$0.55 ₹52.1

258.18%

Potato (1kg)

$1.85 Rp 33.5K

$0.39 ₹36.76

374.36%

Onion (1kg)

$2.42 Rp 44.0K

$0.43 ₹40.97

462.79%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.46 ₹44.13

115.22%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$0.30 ₹28.03

70.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$4.94 ₹469

-55.06%

Wine (Bottle)

$22.24 Rp 403.6K

$7.81 ₹741

184.76%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.86 ₹177

21.51%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.05 ₹289

-2.62%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.18 ₹587

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$0.20 ₹18.97

25.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$3.21 ₹305

143.61%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$0.56 ₹53.5

-21.43%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$0.22 ₹20.89

95.45%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$1.08 ₹102

400.93%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.13 ₹108

-27.43%

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

$23.8K Rp 432.6M

$11.4K ₹1.1M

109.66%

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

$31.7K Rp 576.1M

$18.3K ₹1.7M

73.26%

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

$79.1 Rp 1.4M

$36.87 ₹3,499

114.43%

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

$6.45 Rp 117.0K

$3.56 ₹337

81.18%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$7.44 ₹706

149.73%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$18.56 ₹1,761

166.59%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$5.45 ₹517

223.85%

Cinema Ticket

$4.27 Rp 77.6K

$2.98 ₹283

43.29%

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

$491 Rp 8.9M

$32.79 ₹3,112

1396.00%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$937 ₹88.9K

505.59%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$22.65 ₹2,150

97.09%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$24.76 ₹2,349

41.16%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$40.73 ₹3,865

96.17%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$32.31 ₹3,067

145.81%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$208 ₹19.7K

440.72%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$484 ₹45.9K

38.71%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$387 ₹36.7K

820.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$241 ₹22.9K

613.82%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$645 ₹61.2K

323.58%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$364 ₹34.5K

528.30%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$319 ₹30.3K

-48.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

9.17

50.27%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Surat: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Surat

$484 60.6% 27.9% $187

Groceries & Markets

Ubud, Bali

$288 21.4%

Surat

$102 12.8% 64.7% $187

Eating Out

Ubud, Bali

$108 8%

Surat

$81 10.1% 25% $27

Clothing & Footwear

Ubud, Bali

$108 8%

Surat

$54 6.8% 49.6% $53

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Surat

$48 6% 54% $56

Sport & Entertainment

Ubud, Bali

$58 4.3%

Surat

$25 3.1% 57.7% $34

Getting Around

Ubud, Bali

$11 0.9%

Surat

$5.7 0.7% 50.3% $5.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $208 in Surat. Housing cost is often the main lever when comparing two cities.

Surat pays 95% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $11 in Surat for a mid-range dinner for two. Groceries echo the gap at $288 vs $102 per month, with Surat cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Surat

🕒 Local time

22:29 10:29 PM

19:59 7:59 PM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

6,936,534

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1,000 INR = 10.54 USD

1,000 INR = 9.44 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

Indian Rupee exchange rates as of November 2, 2026: 1 USD = 94.9 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.44 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Surat 5,690 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Surat

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 Surat: Cost of Living - Frequently Asked Questions

Surat is about 41% cheaper overall, especially in groceries, clothing, and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 49% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,125 in Ubud, Bali versus $208 in Surat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $33 in Surat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 183% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $799 in Surat versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Surat but tight or insufficient in Ubud, Bali. The gap between the two cities makes Surat 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 Surat are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Surat gentler on the wallet – expenses run 41% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.