Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tarnowskie Góry

For one person, living costs are similar in Ubud, Bali and in Tarnowskie Góry: $1,353 and $1,412 a month, rent and utilities included.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
68

Cost of Living Index in Tarnowskie Góry
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Tarnowskie Góry Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Tarnowskie Góry

🇵🇱 Poland

$1,412

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Tarnowskie Góry

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,412 in Tarnowskie Góry.

Ubud, Bali $1,353
Tarnowskie Góry $1,412

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,017 in Tarnowskie Góry.

Ubud, Bali $2,297
Tarnowskie Góry $2,017

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,622 in Tarnowskie Góry.

Ubud, Bali $3,241
Tarnowskie Góry $2,622

Living in Ubud, Bali costs roughly 4% less than in Tarnowskie Góry, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Ubud, Bali 0% above, Tarnowskie Góry 4% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$9.69 zł 37.66

-66.67%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$34.34 zł 133

1.57%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.94 zł 34.75

-36.24%

Cappuccino

$2.62 Rp 47.1K

$3.52 zł 13.66

-25.57%

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

$1.72 Rp 31.0K

$2.67 zł 10.38

-35.58%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$2.59 zł 10.07

-68.73%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.60 zł 13.99

-26.39%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$4.63 zł 18.00

-5.62%

Milk (1 liter)

$1.57 Rp 28.3K

$0.93 zł 3.61

68.82%

White Bread (500g)

$2.19 Rp 39.5K

$1.25 zł 4.87

75.20%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.33 zł 5.16

-11.28%

Eggs

$2.16 Rp 38.8K

$3.33 zł 12.94

-35.14%

Local Cheese (1kg)

$17.65 Rp 317.7K

$8.06 zł 31.30

118.98%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.48 zł 21.29

-31.02%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$11.54 zł 44.82

3.55%

Apples (1kg)

$3.60 Rp 64.8K

$1.07 zł 4.16

236.45%

Banana (1kg)

$1.59 Rp 28.6K

$1.37 zł 5.34

16.06%

Oranges (1kg)

$2.31 Rp 41.6K

$1.42 zł 5.51

62.68%

Tomato (1kg)

$1.91 Rp 34.3K

$2.61 zł 10.13

-26.82%

Potato (1kg)

$1.78 Rp 32.1K

$0.79 zł 3.07

125.32%

Onion (1kg)

$2.33 Rp 41.9K

$0.83 zł 3.21

180.72%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.29 zł 5.02

-22.48%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.65 zł 2.52

-18.46%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.76 zł 22.36

-60.24%

Wine (Bottle)

$22.07 Rp 397.3K

$6.28 zł 24.39

251.43%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.03 zł 4.02

128.16%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.64 zł 6.39

81.71%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.09 zł 4.24

-78.90%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$30.88 zł 120

-71.18%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.59 zł 6.16

-70.44%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.58 zł 2.26

-25.86%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$9.03 zł 35.09

-39.42%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.68 zł 6.52

-50.60%

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

$23.9K Rp 429.8M

$30.4K zł 118.2K

-21.53%

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

$32.8K Rp 590.1M

$26.3K zł 102.0K

24.87%

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

$80.0 Rp 1.4M

$274 zł 1,063

-70.76%

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

$6.56 Rp 118.1K

$8.09 zł 31.45

-18.91%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$17.21 zł 66.9

8.08%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$37.43 zł 145

44.59%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$21.94 zł 85.2

-16.68%

Cinema Ticket

$4.25 Rp 76.5K

$7.18 zł 27.88

-40.81%

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

$493 Rp 8.9M

$518 zł 2,014

-4.96%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$10.4K zł 40.3K

-46.00%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$69.7 zł 271

-34.61%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$30.86 zł 120

13.29%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$89.5 zł 348

-13.13%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$94.3 zł 366

-16.71%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$608 zł 2,362

86.15%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$502 zł 1,949

34.12%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$984 zł 3,824

266.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$807 zł 3,136

110.86%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,877 zł 11.2K

-5.56%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,185 zł 8,490

2.56%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.87

100.58%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Tarnowskie Góry: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Tarnowskie Góry

$502 35.5% 25.4% $171

Groceries & Markets

Ubud, Bali

$287 21.2%

Tarnowskie Góry

$197 14% 31.4% $90

Clothing & Footwear

Ubud, Bali

$107 7.9%

Tarnowskie Góry

$128 9.1% 20.1% $21

Eating Out

Ubud, Bali

$106 7.9%

Tarnowskie Góry

$195 13.8% 83.1% $88

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Tarnowskie Góry

$299 21.2% 184% $194

Sport & Entertainment

Ubud, Bali

$63 4.6%

Tarnowskie Góry

$52 3.7% 17.3% $11

Getting Around

Ubud, Bali

$12 0.9%

Tarnowskie Góry

$40 2.8% 220% $27

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $608 in Tarnowskie Góry. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $34.00 in Tarnowskie Góry for a mid-range dinner for two. Groceries echo the gap at $287 vs $197 per month, with Tarnowskie Góry cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Tarnowskie Góry

🕒 Local time

08:52 8:52 AM

02:52 2:52 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

61,789

💱 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 Tarnowskie Góry 11,190 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Tarnowskie Góry

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 Tarnowskie Góry: Cost of Living - Frequently Asked Questions

Ubud, Bali and Tarnowskie Góry differ by about 4% in total monthly costs ($1,353 vs $1,412 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,030 in Ubud, Bali and $2,118 in Tarnowskie Góry to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,131 in Ubud, Bali versus $608 in Tarnowskie Góry. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 247% less than in Tarnowskie Góry. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $493 in Ubud, Bali versus $518 in Tarnowskie Góry. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,353 in Ubud, Bali versus $1,412 in Tarnowskie Góry, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Tarnowskie Góry. The gap between the two cities makes Ubud, Bali 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 Tarnowskie Góry 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 Ubud, Bali gentler on the wallet – expenses run 4% less than in Tarnowskie Góry. Beyond cost, consider language, visa policies, and how big the international community is in each city.