Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Toms River, NJ

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,884 in Toms River, NJ, rent and utilities included – about $18,400 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
138

Cost of Living Index in Toms River, NJ
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Toms River, NJ Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Toms River, NJ

🇺🇸 United States

$2,884

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Toms River, NJ

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 Toms River, NJ actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,884 in Toms River, NJ.

Ubud, Bali $1,349
Toms River, NJ $2,884

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $4,311 in Toms River, NJ.

Ubud, Bali $2,305
Toms River, NJ $4,311

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $5,738 in Toms River, NJ.

Ubud, Bali $3,261
Toms River, NJ $5,738

Living in Ubud, Bali costs roughly 53% less than in Toms River, NJ, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$19.87 $19.87

-83.29%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$74.2 $74.2

-51.98%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$12.05 $12.05

-54.11%

Cappuccino

$2.72 Rp 49.3K

$5.53 $5.53

-50.81%

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

$1.70 Rp 30.9K

$2.57 $2.57

-33.85%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.86 $1.86

-59.14%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$5.03 $5.03

-47.32%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$6.89 $6.89

-36.43%

Milk (1 liter)

$1.49 Rp 27.1K

$1.41 $1.41

5.67%

White Bread (500g)

$2.28 Rp 41.3K

$4.61 $4.61

-50.54%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.42 $2.42

-50.83%

Eggs

$2.04 Rp 36.9K

$4.61 $4.61

-55.75%

Local Cheese (1kg)

$17.70 Rp 321.2K

$16.29 $16.29

8.66%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$16.95 $16.95

-76.64%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$16.81 $16.81

-27.48%

Apples (1kg)

$3.66 Rp 66.3K

$5.98 $5.98

-38.80%

Banana (1kg)

$1.52 Rp 27.5K

$1.30 $1.30

16.92%

Oranges (1kg)

$2.23 Rp 40.4K

$5.15 $5.15

-56.70%

Tomato (1kg)

$1.97 Rp 35.8K

$5.92 $5.92

-66.72%

Potato (1kg)

$1.85 Rp 33.5K

$1.58 $1.58

17.09%

Onion (1kg)

$2.42 Rp 44.0K

$2.74 $2.74

-11.68%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.53 $2.53

-60.87%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.94 $1.94

-73.71%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$9.84 $9.84

-77.44%

Wine (Bottle)

$22.24 Rp 403.6K

$10.09 $10.09

120.42%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.80 $2.80

-19.29%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.42 $3.42

-13.16%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$2.99 $2.99

-85.28%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$2.13 $2.13

-79.81%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$41.41 $41.41

-86.94%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.92 $0.92

-10.87%

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

$23.8K Rp 432.6M

$30.8K $30.8K

-22.50%

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

$31.7K Rp 576.1M

$26.2K $26.2K

21.14%

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

$79.1 Rp 1.4M

$243 $243

-67.40%

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

$6.45 Rp 117.0K

$37.24 $37.24

-82.68%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$62.0 $62.0

-70.01%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$30.15 $30.15

64.11%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$4.27 Rp 77.6K

$17.15 $17.15

-75.10%

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

$491 Rp 8.9M

$3,103 $3,103

-84.19%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$34.4K $34.4K

-83.51%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$69.8 $69.8

-36.00%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$75.8 $75.8

-53.89%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$120 $120

-33.63%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$121 $121

-34.60%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,617 $1,617

-30.46%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,527 $1,527

-56.02%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$2,900 $2,900

22.92%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$2,766 $2,766

-37.71%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$5,268 $5,268

-96.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.67

106.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Toms River, NJ: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Toms River, NJ

$1.5K 53% 127% $855

Groceries & Markets

Ubud, Bali

$288 21.4%

Toms River, NJ

$445 15.4% 54.3% $157

Eating Out

Ubud, Bali

$108 8%

Toms River, NJ

$318 11% 195% $210

Clothing & Footwear

Ubud, Bali

$108 8%

Toms River, NJ

$174 6% 62.1% $67

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Toms River, NJ

$342 11.9% 228% $238

Sport & Entertainment

Ubud, Bali

$58 4.3%

Toms River, NJ

$64 2.2% 11.1% $6.4

Getting Around

Ubud, Bali

$11 0.9%

Toms River, NJ

$14 * 0.5% 19.3% $2.2

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 $1,125 in Ubud, Bali and $1,617 in Toms River, NJ. Housing cost is often the main lever when comparing two cities.

Toms River, NJ pays about 32 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $74 in Toms River, NJ for a mid-range dinner for two. Groceries echo the gap at $288 vs $445 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Toms River, NJ

🕒 Local time

08:48 8:48 AM

19:48 7:48 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

95,438

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

United States Dollar exchange rates as of November 3, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Toms River, NJ 16,390 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Toms River, NJ

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 Toms River, NJ: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 53% cheaper overall, especially in eating out, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 97% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,617 in Toms River, NJ. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 54% higher in Toms River, NJ. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $2,884 in Toms River, NJ – Ubud, Bali is about 53% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 Toms River, NJ are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Toms River, NJ on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.