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: $1,395 in Ubud, Bali versus $1,210 in Tarnow.

Estimated couple costs with rent: $2,559 in Ubud, Bali versus $1,704 in Tarnow.

Monthly costs for a family of three with rent: $3,724 in Ubud, Bali versus $2,197 in Tarnow.

Living in Ubud, Bali is roughly 15% more expensive than Tarnow, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Tarnow is 10% below.

Meal at Budget Restaurant

$3.48 Rp 59.7K

$9.68 zł 34.85

-64.05%

Three-Course Dinner for Two, Mid-Range

$32.88 Rp 564.0K

$27.18 zł 97.9

20.97%

Fast Food Meal (McDonalds, etc)

$5.09 Rp 87.3K

$6.88 zł 24.76

-26.02%

Cappuccino

$2.75 Rp 47.1K

$2.77 zł 9.98

-0.72%

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

$1.38 Rp 23.7K

$2.16 zł 7.78

-36.11%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$1.37 zł 4.94

-48.18%

Local Beer (0.5 liter draught)

$2.88 Rp 49.4K

$3.00 zł 10.82

-4.00%

Imported Beer (0.33 liter bottle)

$3.87 Rp 66.4K

$3.60 zł 12.95

7.50%

Milk (1 liter)

$1.79 Rp 30.7K

$1.03 zł 3.71

73.79%

White Bread (500g)

$2.45 Rp 42.0K

$1.20 zł 4.32

104.17%

Rice (white) (1kg)

$1.21 Rp 20.7K

$1.39 zł 5.00

-12.95%

Eggs

$2.39 Rp 40.9K

$2.54 zł 9.16

-5.91%

Local Cheese (1kg)

$14.70 Rp 252.1K

$7.97 zł 28.70

84.44%

Chicken Fillets (1kg)

$4.24 Rp 72.7K

$6.39 zł 22.99

-33.65%

Beef Round Steak (1kg)

$12.08 Rp 207.1K

$9.91 zł 35.69

21.90%

Apples (1kg)

$3.66 Rp 62.9K

$0.83 zł 2.99

340.96%

Banana (1kg)

$1.61 Rp 27.6K

$1.62 zł 5.82

-0.62%

Oranges (1kg)

$2.72 Rp 46.6K

$1.33 zł 4.78

104.51%

Tomato (1kg)

$2.27 Rp 39.0K

$2.14 zł 7.69

6.07%

Potato (1kg)

$1.90 Rp 32.6K

$0.84 zł 3.01

126.19%

Onion (1kg)

$2.30 Rp 39.4K

$1.12 zł 4.02

105.36%

Lettuce (1 head)

$1.02 Rp 17.4K

$1.07 zł 3.85

-4.67%

Water (1.5 liter bottle)

$0.78 Rp 13.4K

$0.62 zł 2.21

25.81%

Cigarettes 20 Pack (Marlboro, Camel)

$3.24 Rp 55.7K

$4.58 zł 16.47

-29.26%

Wine (Bottle)

$24.06 Rp 412.7K

$7.68 zł 27.64

213.28%

Local Beer (0.5 liter bottle)

$2.84 Rp 48.7K

$0.97 zł 3.49

192.78%

Imported Beer (0.33 liter bottle)

$2.79 Rp 47.8K

$1.46 zł 5.26

91.10%

One-way Ticket (Public Transport)

$0.27 Rp 4,610

$1.10 zł 3.97

-75.45%

Public Transport Monthly Pass (Regular Price)

$8.24 Rp 141.4K

$33.06 zł 119

-75.08%

Taxi Start (Normal Tariff)

$0.45 Rp 7,708

$1.33 zł 4.78

-66.17%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,305

$0.48 zł 1.73

-10.42%

Taxi 1hour Waiting (Normal Tariff)

$6.02 Rp 103.3K

$13.49 zł 48.57

-55.37%

Gasoline (1 liter)

$0.86 Rp 14.7K

$1.79 zł 6.43

-51.96%

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

$26.1K Rp 447.1M

$34.3K zł 123.5K

-24.04%

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

$31.7K Rp 543.7M

$24.8K zł 89.2K

27.93%

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

$78.3 Rp 1.3M

$250 zł 900

-68.66%

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

$4.00 Rp 68.5K

$7.65 zł 27.54

-47.71%

Internet (50+ Mbps, Unlimited Data)

$24.35 Rp 417.7K

$16.45 zł 59.2

48.02%

Gym Membership (Monthly)

$95.8 Rp 1.6M

$27.20 zł 97.9

252.10%

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.7K

$12.14 zł 43.71

-46.79%

Cinema Ticket

$4.01 Rp 68.7K

$5.00 zł 17.99

-19.80%

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

$302 Rp 5.2M

$325 zł 1,170

-7.22%

International Primary School, 1 Child (Yearly)

$6,545 Rp 112.3M

$4,867 zł 17.5K

34.48%

Jeans (Levis 501 Or Similar)

$53.4 Rp 916.3K

$85.4 zł 307

-37.45%

Summer Dress (H&M, Zara, etc)

$38.55 Rp 661.2K

$26.59 zł 95.7

44.98%

Sport Shoes (Adidas, Nike)

$89.1 Rp 1.5M

$80.0 zł 288

11.31%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$117 zł 423

-32.83%

1-bedroom Apartment, City Center (Monthly)

$1,016 Rp 17.4M

$467 zł 1,683

117.37%

1-bedroom Apartment, Outside City Center (Monthly)

$672 Rp 11.5M

$373 zł 1,344

80.05%

3-bedroom Apartment, City Center (Monthly)

$3,368 Rp 57.8M

$646 zł 2,326

421.28%

3-bedroom Apartment, Outside City Center (Monthly)

$2,108 Rp 36.2M

$488 zł 1,758

331.55%

Buy Apartment in City Center (m2)

$3,001 Rp 51.5M

$2,957 zł 10.6K

1.52%

Buy Apartment Outside City Center (m2)

$2,337 Rp 40.1M

$1,873 zł 6,743

24.75%

Average Monthly Net Salary (After Tax)

$178 Rp 3.0M

$1,069 zł 3,849

-83.40%

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: April 12, 2026

Last update for Tarnow: April 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,016 in Ubud, Bali and $467 in Tarnow. Housing cost is often the main lever when comparing two cities.

Tarnow pays 502% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33 in Ubud, Bali vs $27 in Tarnow for a mid-range dinner for two. Groceries echo the gap at $300 vs $193 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 15% 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, Tarnow earns 502% less. 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: $1,016 in Ubud, Bali versus $467 in Tarnow. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $302 in Ubud, Bali versus $325 in Tarnow. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 55% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,210 in Tarnow versus $1,395 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 $1,210 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 15% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.