Cost of Living Comparison Between Ubud, Bali and Tarnow Cost of Living Comparison Between Ubud, Bali and Tarnow

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,240 in Tarnow.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,691 in Tarnow.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,142 in Tarnow.

Living in Ubud, Bali is roughly 14% more expensive than in Tarnow, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Tarnow is 7% below.

Meal at Budget Restaurant

$3.45 Rp 61.8K

$9.65 zł 36.61

-64.25%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 579.0K

$26.76 zł 102

20.85%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.7K

$6.78 zł 25.75

-28.61%

Cappuccino

$2.75 Rp 49.2K

$2.76 zł 10.47

-0.36%

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

$1.38 Rp 24.8K

$2.15 zł 8.16

-35.81%

Water (0.33 liter bottle)

$0.75 Rp 13.4K

$1.35 zł 5.12

-44.44%

Local Beer (0.5 liter draught)

$2.99 Rp 53.6K

$2.96 zł 11.25

1.01%

Imported Beer (0.33 liter bottle)

$3.85 Rp 68.9K

$3.76 zł 14.28

2.39%

Milk (1 liter)

$1.74 Rp 31.1K

$1.00 zł 3.80

74.00%

White Bread (500g)

$2.46 Rp 44.0K

$1.19 zł 4.50

106.72%

Rice (white) (1kg)

$1.17 Rp 20.9K

$1.33 zł 5.04

-12.03%

Eggs

$2.43 Rp 43.5K

$2.62 zł 9.95

-7.25%

Local Cheese (1kg)

$14.50 Rp 259.7K

$7.73 zł 29.34

87.58%

Chicken Fillets (1kg)

$4.35 Rp 77.9K

$6.56 zł 24.90

-33.69%

Beef Round Steak (1kg)

$11.98 Rp 214.5K

$9.60 zł 36.41

24.79%

Apples (1kg)

$3.72 Rp 66.6K

$0.85 zł 3.22

337.65%

Banana (1kg)

$1.63 Rp 29.1K

$1.56 zł 5.93

4.49%

Oranges (1kg)

$2.74 Rp 49.1K

$1.38 zł 5.23

98.55%

Tomato (1kg)

$2.24 Rp 40.1K

$2.14 zł 8.10

4.67%

Potato (1kg)

$1.92 Rp 34.3K

$0.78 zł 2.94

146.15%

Onion (1kg)

$2.28 Rp 40.7K

$1.08 zł 4.09

111.11%

Lettuce (1 head)

$1.06 Rp 19.0K

$1.10 zł 4.18

-3.64%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.60 zł 2.29

20.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.8K

$4.48 zł 16.99

-26.56%

Wine (Bottle)

$23.19 Rp 415.3K

$7.27 zł 27.60

218.98%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.7K

$0.96 zł 3.66

189.58%

Imported Beer (0.33 liter bottle)

$2.73 Rp 48.9K

$1.47 zł 5.60

85.71%

One-way Ticket (Public Transport)

$0.27 Rp 4,768

$1.07 zł 4.06

-74.77%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.1K

$32.96 zł 125

-75.39%

Taxi Start (Normal Tariff)

$0.48 Rp 8,643

$1.35 zł 5.11

-64.44%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,517

$0.49 zł 1.85

-14.29%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.4K

$13.72 zł 52.1

-54.66%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.69 zł 6.41

-52.07%

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

$26.6K Rp 476.4M

$33.3K zł 126.3K

-20.03%

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

$32.2K Rp 576.3M

$24.5K zł 92.8K

31.56%

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

$78.4 Rp 1.4M

$259 zł 983

-69.74%

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

$4.07 Rp 72.8K

$7.50 zł 28.46

-45.73%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 435.5K

$15.95 zł 60.5

52.54%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$27.24 zł 103

262.00%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.4K

$12.11 zł 45.95

-47.65%

Cinema Ticket

$3.99 Rp 71.4K

$4.90 zł 18.59

-18.57%

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

$305 Rp 5.5M

$327 zł 1,240

-6.68%

International Primary School, 1 Child (Yearly)

$6,642 Rp 118.9M

$4,707 zł 17.9K

41.12%

Jeans (Levis 501 Or Similar)

$54.1 Rp 969.3K

$84.7 zł 321

-36.09%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 676.9K

$27.01 zł 103

39.99%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$81.6 zł 310

6.40%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$119 zł 453

-36.09%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$456 zł 1,732

117.34%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.0M

$367 zł 1,394

83.10%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.4M

$659 zł 2,499

412.39%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.7M

$486 zł 1,845

321.59%

Buy Apartment in City Center (m2)

$2,805 Rp 50.2M

$2,727 zł 10.3K

2.86%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$1,810 zł 6,867

23.05%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,027 zł 3,896

-83.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.28

111.46%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Tarnow: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $456 in Tarnow. Housing cost is often the main lever when comparing two cities.

Tarnow pays 515% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $27.00 in Tarnow for a mid-range dinner for two. Groceries echo the gap at $297 vs $191 per month, with Tarnow cheaper across the board.

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 Tarnow: Cost of Living - Frequently Asked Questions

Tarnow wins on cost – living expenses run 14% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Tarnow the obvious pick if budget is a priority.

On paper, salaries run 515% lower in Tarnow. 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: $992 in Ubud, Bali versus $456 in Tarnow. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $327 in Tarnow. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 56% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,240 in Tarnow versus $1,408 in Ubud, Bali, a $1,000 budget is realistic in Tarnow but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tarnow the clear choice for anyone on this budget.

Both work as nomad bases, but Tarnow delivers better value – similar infrastructure at $1,240 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tarnow hard to pass up.

Safety-wise, Ubud, Bali and Tarnow 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 Tarnow gentler on the wallet – expenses run 14% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.