Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tarnow

For one person, living is cheaper in Tarnow: $1,182 a month against $1,353 in Ubud, Bali, rent and utilities included – about $2,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
57

Cost of Living Index in Tarnow
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Tarnow Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Tarnow

🇵🇱 Poland

$1,182

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,182 in Tarnow.

Ubud, Bali $1,353
Tarnow $1,182

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,638 in Tarnow.

Ubud, Bali $2,297
Tarnow $1,638

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,093 in Tarnow.

Ubud, Bali $3,241
Tarnow $2,093

Living in Ubud, Bali is roughly 14% more expensive than in Tarnow, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Tarnow is 13% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$10.34 zł 40.16

-68.76%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$25.16 zł 97.8

38.63%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$6.43 zł 24.96

-11.35%

Cappuccino

$2.62 Rp 47.1K

$2.55 zł 9.91

2.75%

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

$1.72 Rp 31.0K

$2.21 zł 8.57

-22.17%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.29 zł 5.03

-37.21%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.79 zł 14.73

-30.08%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.74 zł 14.54

16.84%

Milk (1 liter)

$1.57 Rp 28.3K

$0.93 zł 3.60

68.82%

White Bread (500g)

$2.19 Rp 39.5K

$1.15 zł 4.45

90.43%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.25 zł 4.87

-5.60%

Eggs

$2.16 Rp 38.8K

$2.44 zł 9.48

-11.48%

Local Cheese (1kg)

$17.65 Rp 317.7K

$7.86 zł 30.55

124.55%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.84 zł 22.70

-35.27%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$9.78 zł 37.98

22.19%

Apples (1kg)

$3.60 Rp 64.8K

$0.73 zł 2.84

393.15%

Banana (1kg)

$1.59 Rp 28.6K

$1.55 zł 6.04

2.58%

Oranges (1kg)

$2.31 Rp 41.6K

$1.29 zł 5.01

79.07%

Tomato (1kg)

$1.91 Rp 34.3K

$1.91 zł 7.42

Potato (1kg)

$1.78 Rp 32.1K

$0.79 zł 3.06

125.32%

Onion (1kg)

$2.33 Rp 41.9K

$1.02 zł 3.96

128.43%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.06 zł 4.12

-5.66%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.75 zł 2.91

-29.33%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.31 zł 16.75

-46.87%

Wine (Bottle)

$22.07 Rp 397.3K

$6.28 zł 24.41

251.43%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$0.90 zł 3.50

161.11%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.35 zł 5.26

120.74%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.97 zł 3.76

-76.29%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$30.58 zł 119

-70.90%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.30 zł 5.06

-63.85%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.75 zł 2.92

-42.67%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$10.45 zł 40.59

-47.66%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.62 zł 6.31

-48.77%

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

$23.9K Rp 429.8M

$31.2K zł 121.2K

-23.48%

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

$32.8K Rp 590.1M

$24.6K zł 95.8K

33.00%

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

$80.0 Rp 1.4M

$242 zł 940

-66.94%

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

$6.56 Rp 118.1K

$9.49 zł 36.86

-30.87%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$16.41 zł 63.8

13.35%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$25.48 zł 99.0

112.40%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$11.65 zł 45.27

56.91%

Cinema Ticket

$4.25 Rp 76.5K

$4.52 zł 17.55

-5.97%

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

$493 Rp 8.9M

$287 zł 1,117

71.38%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$2,538 zł 9,859

120.57%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$79.4 zł 309

-42.62%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$25.87 zł 101

35.14%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$77.5 zł 301

0.34%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$111 zł 430

-29.06%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$437 zł 1,700

158.64%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$352 zł 1,369

91.00%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$624 zł 2,423

479.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$463 zł 1,799

267.60%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,657 zł 10.3K

2.27%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$1,750 zł 6,799

28.07%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,000 zł 3,884

-83.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.68

106.29%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Tarnow: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Tarnow

$352 29.8% 47.6% $321

Groceries & Markets

Ubud, Bali

$287 21.2%

Tarnow

$183 15.5% 36.4% $104

Clothing & Footwear

Ubud, Bali

$107 7.9%

Tarnow

$132 11.2% 23.9% $26

Eating Out

Ubud, Bali

$106 7.9%

Tarnow

$173 14.6% 62.6% $67

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Tarnow

$268 22.7% 155% $163

Sport & Entertainment

Ubud, Bali

$63 4.6%

Tarnow

$35 2.9% 44.9% $28

Getting Around

Ubud, Bali

$12 0.9%

Tarnow

$40 3.3% 218% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $437 in Tarnow. Housing cost is often the main lever when comparing two cities.

Tarnow pays 501% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $25.00 in Tarnow for a mid-range dinner for two. Groceries echo the gap at $287 vs $183 per month, with Tarnow cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Tarnow

🕒 Local time

08:52 8:52 AM

02:52 2:52 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

106,748

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 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 October 21, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Polish Złoty exchange rates as of October 21, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Tarnow 11,040 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Tarnow

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 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 501% 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: $1,131 in Ubud, Bali versus $437 in Tarnow. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $287 in Tarnow. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 57% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,182 in Tarnow versus $1,353 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 $1,182 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.