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

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $611 in Tema.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $989 in Tema.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,367 in Tema.

Living in Ubud, Bali is roughly 132% more expensive than Tema, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Tema is 54% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$7.50 GHS 88.0

-52.53%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$27.73 GHS 326

18.03%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$8.18 GHS 96.0

-39.49%

Cappuccino

$2.71 Rp 48.4K

$1.46 GHS 17.14

85.62%

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

$1.34 Rp 24.0K

$1.00 GHS 11.78

34.00%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.33 GHS 3.93

112.12%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$1.74 GHS 20.38

67.82%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.69 GHS 31.63

47.21%

Milk (1 liter)

$1.81 Rp 32.3K

$2.98 GHS 34.94

-39.26%

White Bread (500g)

$2.52 Rp 45.0K

$1.68 GHS 19.69

50.00%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.55 GHS 18.22

-25.16%

Eggs

$2.46 Rp 43.9K

$2.18 GHS 25.64

12.84%

Local Cheese (1kg)

$14.71 Rp 262.7K

$3.72 GHS 43.73

295.43%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$2.73 GHS 32.08

58.24%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$2.44 GHS 28.63

397.54%

Apples (1kg)

$3.84 Rp 68.6K

$2.71 GHS 31.76

41.70%

Banana (1kg)

$1.56 Rp 27.8K

$2.08 GHS 24.38

-25.00%

Oranges (1kg)

$2.83 Rp 50.6K

$2.07 GHS 24.27

36.71%

Tomato (1kg)

$2.33 Rp 41.5K

$2.89 GHS 33.97

-19.38%

Potato (1kg)

$1.91 Rp 34.2K

$1.84 GHS 21.60

3.80%

Onion (1kg)

$2.20 Rp 39.3K

$1.97 GHS 23.15

11.68%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.61 GHS 7.16

65.57%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.82 GHS 9.63

-4.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

Wine (Bottle)

$23.74 Rp 423.9K

$7.21 GHS 84.7

229.26%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$0.82 GHS 9.66

240.24%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$2.03 GHS 23.87

-86.70%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$39.80 GHS 467

-79.82%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$1.42 GHS 16.64

-67.61%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.77 GHS 9.00

-41.56%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.19 GHS 13.98

-33.61%

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

$26.1K Rp 467.0M

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

$32.1K Rp 573.6M

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

$79.9 Rp 1.4M

$30.84 GHS 362

159.21%

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

$4.06 Rp 72.6K

$12.26 GHS 144

-66.88%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$64.6 GHS 759

-63.60%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$19.37 GHS 227

409.55%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

Cinema Ticket

$4.15 Rp 74.1K

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

$304 Rp 5.4M

$82.4 GHS 967

269.06%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$25.07 GHS 294

121.54%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$24.67 GHS 290

55.29%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$45.82 GHS 538

93.37%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$60.6 GHS 712

28.46%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$117 GHS 1,371

761.89%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$66.6 GHS 782

913.55%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$139 GHS 1,629

1369.55%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$10.0K GHS 117.6K

-71.63%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$6,030 GHS 70.8K

-62.46%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$390 GHS 4,576

-57.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

32.5

-59.14%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Tema: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $117 in Tema. Housing cost is often the main lever when comparing two cities.

Tema pays 136% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $28.00 in Tema for a mid-range dinner for two. Groceries echo the gap at $302 vs $183 per month, with Tema 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 Tema: Cost of Living - Frequently Asked Questions

Tema wins on cost – living expenses run 132% 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, Tema earns 136% 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: $1,006 in Ubud, Bali versus $117 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,419 per month in Ubud, Bali versus $611 in Tema – a 132% gap that adds up to real savings over time for anyone picking the cheaper option.

At $611 in Tema versus $1,419 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 $611 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 132% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.