Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tema

For one person, living is cheaper in Tema: $734 a month against $1,368 in Ubud, Bali, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
36

Cost of Living Index in Tema
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Tema Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Tema

🇬🇭 Ghana

$734

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $734 in Tema.

Ubud, Bali $1,368
Tema $734

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,166 in Tema.

Ubud, Bali $2,314
Tema $1,166

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,598 in Tema.

Ubud, Bali $3,260
Tema $1,598

Living in Ubud, Bali is roughly 86% more expensive than in Tema, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Tema is 46% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$6.64 GHS 77.2

-49.85%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$28.26 GHS 329

24.49%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

Cappuccino

$2.73 Rp 49.1K

$4.97 GHS 57.9

-45.07%

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

$1.64 Rp 29.5K

$0.88 GHS 10.23

86.36%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.28 GHS 3.25

196.43%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$3.22 GHS 37.45

-16.15%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$2.57 GHS 29.85

67.32%

Milk (1 liter)

$1.50 Rp 27.1K

$3.11 GHS 36.13

-51.77%

White Bread (500g)

$2.30 Rp 41.4K

$1.52 GHS 17.72

51.32%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.02 GHS 23.45

-41.58%

Eggs

$2.14 Rp 38.6K

$2.33 GHS 27.08

-8.15%

Local Cheese (1kg)

$17.48 Rp 314.6K

$4.27 GHS 49.67

309.37%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$3.12 GHS 36.31

29.17%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$3.48 GHS 40.50

251.44%

Apples (1kg)

$3.55 Rp 63.9K

$2.52 GHS 29.29

40.87%

Banana (1kg)

$1.57 Rp 28.3K

$2.18 GHS 25.37

-27.98%

Oranges (1kg)

$2.24 Rp 40.2K

$2.08 GHS 24.19

7.69%

Tomato (1kg)

$1.93 Rp 34.7K

$3.32 GHS 38.65

-41.87%

Potato (1kg)

$1.88 Rp 33.9K

$3.43 GHS 39.94

-45.19%

Onion (1kg)

$2.29 Rp 41.3K

$2.78 GHS 32.37

-17.63%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.40 GHS 4.64

147.50%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.71 GHS 8.30

-25.35%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$1.24 GHS 14.37

83.87%

Wine (Bottle)

$23.01 Rp 414.2K

$8.72 GHS 101

163.88%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$2.15 GHS 24.97

8.84%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.95 GHS 34.30

-1.36%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.72 GHS 20.06

-86.05%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$40.78 GHS 474

-78.37%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$2.18 GHS 25.35

-77.98%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.44 GHS 5.11

4.55%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.19 GHS 13.84

-26.05%

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

$24.6K Rp 442.2M

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

$31.2K Rp 561.4M

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

$83.0 Rp 1.5M

$77.4 GHS 900

7.26%

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

$6.45 Rp 116.0K

$14.74 GHS 171

-56.24%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$80.4 GHS 935

-76.91%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$23.40 GHS 272

138.55%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

$8.70 GHS 101

-49.66%

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

$493 Rp 8.9M

$167 GHS 1,946

194.55%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$2,522 GHS 29.3K

128.14%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$13.00 GHS 151

255.31%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$15.35 GHS 179

130.16%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$42.57 GHS 495

85.79%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$31.35 GHS 365

150.05%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$129 GHS 1,503

784.17%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$70.7 GHS 823

855.39%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$433 GHS 5,037

708.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$206 GHS 2,401

723.24%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$10.2K GHS 118.1K

-72.57%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$6,098 GHS 70.9K

-63.26%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$423 GHS 4,924

-61.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-60.63%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Tema: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Tema

$71 9.6% 89.5% $605

Groceries & Markets

Ubud, Bali

$290 21.2%

Tema

$213 29.1% 26.6% $77

Eating Out

Ubud, Bali

$109 8%

Tema

$139 * 18.9% 27.5% $30

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Tema

$173 23.5% 59.7% $65

Clothing & Footwear

Ubud, Bali

$108 7.9%

Tema

$46 6.3% 57.2% $62

Sport & Entertainment

Ubud, Bali

$65 4.7%

Tema

$41 5.6% 36.8% $24

Getting Around

Ubud, Bali

$13 0.9%

Tema

$52 7.1% 315% $40

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $129 in Tema. Housing cost is often the main lever when comparing two cities.

Tema pays 157% 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 $28.00 in Tema for a mid-range dinner for two. Groceries echo the gap at $290 vs $213 per month, with Tema cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇭 Tema

🕒 Local time

20:33 8:33 PM

12:33 12:33 PM

8 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

160,000

💱 Currency

Indonesian Rupiah IDR Rp

Ghanaian Cedi GHS ₵

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 GHS = 8.6 USD

100 GHS = 7.65 EUR

Exchange rates and currency converter

GHS, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Ghanaian Cedi exchange rates as of October 19, 2026: 1 USD = 11.63 GHS (100 GHS = 8.6 USD). 1 EUR = 13.07 GHS (100 GHS = 7.65 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Tema 12,870 km ≈ 17 h nonstop flight

From you

Ubud, Bali
Tema

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 Tema: Cost of Living - Frequently Asked Questions

Tema wins on cost – living expenses run 86% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Tema the obvious pick if budget is a priority.

On paper, salaries run 157% lower in Tema. 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: $1,142 in Ubud, Bali versus $129 in Tema. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tema – a meal for two runs $28.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $734 in Tema – a 86% gap that adds up to real savings over time for anyone picking the cheaper option.

At $734 in Tema versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Tema but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tema the clear choice for anyone on this budget.

Both work as nomad bases, but Tema delivers better value – similar infrastructure at $734 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tema hard to pass up.

Safety-wise, Ubud, Bali and Tema 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 Tema gentler on the wallet – expenses run 86% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.