Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Szczecinek

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,475 in Szczecinek, rent and utilities included – about $1,500 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
71

Cost of Living Index in Szczecinek
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Szczecinek Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Szczecinek

🇵🇱 Poland

$1,475

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,475 in Szczecinek.

Ubud, Bali $1,349
Szczecinek $1,475

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,128 in Szczecinek.

Ubud, Bali $2,305
Szczecinek $2,128

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,780 in Szczecinek.

Ubud, Bali $3,261
Szczecinek $2,780

Living in Ubud, Bali costs roughly 9% less than in Szczecinek, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$11.46 zł 45.32

-71.03%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$43.98 zł 174

-18.96%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$8.70 zł 34.38

-36.44%

Cappuccino

$2.72 Rp 49.3K

$3.46 zł 13.66

-21.39%

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

$1.70 Rp 30.9K

$1.10 zł 4.33

54.55%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.84 zł 3.32

-9.52%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$3.07 zł 12.12

-13.68%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.44 zł 5.70

204.17%

Milk (1 liter)

$1.49 Rp 27.0K

$0.89 zł 3.51

67.42%

White Bread (500g)

$2.28 Rp 41.3K

$1.19 zł 4.70

91.60%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.35 zł 5.35

-11.85%

Eggs

$2.04 Rp 36.9K

$3.48 zł 13.77

-41.38%

Local Cheese (1kg)

$17.70 Rp 321.1K

$7.69 zł 30.41

130.17%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$6.10 zł 24.10

-35.08%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$12.92 zł 51.1

-5.65%

Apples (1kg)

$3.66 Rp 66.3K

$1.23 zł 4.84

197.56%

Banana (1kg)

$1.52 Rp 27.5K

$1.12 zł 4.44

35.71%

Oranges (1kg)

$2.23 Rp 40.4K

$1.64 zł 6.49

35.98%

Tomato (1kg)

$1.97 Rp 35.8K

$2.50 zł 9.90

-21.20%

Potato (1kg)

$1.85 Rp 33.5K

$0.78 zł 3.07

137.18%

Onion (1kg)

$2.42 Rp 44.0K

$0.78 zł 3.09

210.26%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.27 zł 5.01

-22.05%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.70 zł 2.77

-27.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$5.73 zł 22.65

-61.26%

Wine (Bottle)

$22.24 Rp 403.4K

$7.64 zł 30.19

191.10%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.14 zł 4.52

98.25%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.42 zł 5.60

109.15%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$1.03 zł 4.08

-75.73%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$30.54 zł 121

-74.39%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$2.30 zł 9.08

-80.87%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.04 zł 4.13

-58.65%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$11.32 zł 44.74

-52.21%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.44 zł 5.69

-43.06%

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

$23.8K Rp 432.4M

$31.1K zł 122.8K

-23.23%

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

$31.7K Rp 575.9M

$28.4K zł 112.2K

11.85%

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

$79.1 Rp 1.4M

$295 zł 1,165

-73.17%

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

$6.45 Rp 116.9K

$7.67 zł 30.33

-15.91%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$18.39 zł 72.7

1.03%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$37.56 zł 148

31.74%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$23.63 zł 93.4

-25.31%

Cinema Ticket

$4.27 Rp 77.5K

$7.37 zł 29.14

-42.06%

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

$491 Rp 8.9M

$205 zł 811

138.98%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$7,514 zł 29.7K

-24.49%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$77.6 zł 307

-42.50%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$37.62 zł 149

-7.10%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$84.3 zł 333

-5.22%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$109 zł 432

-27.40%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$541 zł 2,138

107.98%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$530 zł 2,096

26.61%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,031 zł 4,074

245.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$852 zł 3,369

102.22%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,714 zł 10.7K

0.66%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,178 zł 8,611

4.85%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,255 zł 4,962

-86.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.2

228.10%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Szczecinek: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Szczecinek

$530 36% 21% $141

Groceries & Markets

Ubud, Bali

$288 21.4%

Szczecinek

$206 13.9% 28.7% $83

Eating Out

Ubud, Bali

$108 8%

Szczecinek

$185 12.6% 72% $78

Clothing & Footwear

Ubud, Bali

$108 8%

Szczecinek

$139 9.4% 29.3% $32

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Szczecinek

$321 21.7% 208% $217

Sport & Entertainment

Ubud, Bali

$58 4.3%

Szczecinek

$52 3.5% 9.9% $5.7

Getting Around

Ubud, Bali

$11 0.9%

Szczecinek

$42 2.9% 269% $31

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $541 in Szczecinek. Housing cost is often the main lever when comparing two cities.

Szczecinek pays about 7.7 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $44 in Szczecinek. Groceries flip the comparison at $288 vs $206, with Szczecinek cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Szczecinek

🕒 Local time

10:11 10:11 AM

03:11 3:11 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

39,705

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 PLN = 0.253 USD

1 PLN = 0.227 EUR

Exchange rates and currency converter

PLN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Polish Złoty exchange rates as of November 2, 2026: 1 USD = 3.95 PLN (1 PLN = 0.253 USD). 1 EUR = 4.41 PLN (1 PLN = 0.227 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Szczecinek 11,330 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Szczecinek

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 Szczecinek: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,475 in Szczecinek, so Ubud, Bali is about 9% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 87% 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 $541 in Szczecinek. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,475 in Szczecinek – Ubud, Bali is about 9% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 74% less than in Szczecinek. The price difference matters if you commute daily and watch your budget.

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

It comes down to priorities – Ubud, Bali wins on affordability, Szczecinek on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.