Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tortola

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,423 in Tortola, rent and utilities included – about $12,800 less a year. Rent and utilities account for about half of the difference.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Tortola

🇻🇬 British Virgin Islands

$2,423

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,423 in Tortola.

Ubud, Bali $1,353
Tortola $2,423

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $4,123 in Tortola.

Ubud, Bali $2,297
Tortola $4,123

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $5,823 in Tortola.

Ubud, Bali $3,241
Tortola $5,823

Living in Ubud, Bali costs roughly 44% less than in Tortola, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Tortola 79% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$21.64 $21.64

-85.07%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$84.4 $84.4

-58.69%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$14.77 $14.77

-61.41%

Cappuccino

$2.62 Rp 47.1K

$7.82 $7.82

-66.50%

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

$1.72 Rp 31.0K

$1.88 $1.88

-8.51%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.37 $1.37

-40.88%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$4.04 $4.04

-34.41%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$4.95 $4.95

-11.72%

Milk (1 liter)

$1.57 Rp 28.3K

$3.07 $3.07

-48.86%

White Bread (500g)

$2.19 Rp 39.5K

$4.79 $4.79

-54.28%

Rice (white) (1kg)

$1.18 Rp 21.2K

$6.75 $6.75

-82.52%

Eggs

$2.16 Rp 38.8K

$7.29 $7.29

-70.37%

Local Cheese (1kg)

$17.65 Rp 317.7K

$12.82 $12.82

37.68%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$12.81 $12.81

-70.49%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$20.11 $20.11

-40.58%

Apples (1kg)

$3.60 Rp 64.8K

$2.02 $2.02

78.22%

Banana (1kg)

$1.59 Rp 28.6K

$3.90 $3.90

-59.23%

Oranges (1kg)

$2.31 Rp 41.6K

$1.96 $1.96

17.86%

Tomato (1kg)

$1.91 Rp 34.3K

$7.36 $7.36

-74.05%

Potato (1kg)

$1.78 Rp 32.1K

$5.97 $5.97

-70.18%

Onion (1kg)

$2.33 Rp 41.9K

$4.92 $4.92

-52.64%

Lettuce (1 head)

$1.00 Rp 18.0K

$11.97 $11.97

-91.65%

Water (1.5 liter bottle)

$0.53 Rp 9,509

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.07 $5.07

-54.83%

Wine (Bottle)

$22.07 Rp 397.3K

$11.14 $11.14

98.11%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$4.06 $4.06

-42.12%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

Gasoline (1 liter)

$0.83 Rp 14.9K

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

$23.9K Rp 429.8M

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

$32.8K Rp 590.1M

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

$80.0 Rp 1.4M

$101 $101

-20.97%

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

$6.56 Rp 118.1K

$101 $101

-93.48%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$99.1 $99.1

-81.23%

Gym Membership (Monthly)

$54.1 Rp 974.1K

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

$19.99 $19.99

-78.74%

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

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

Men's Leather Business Shoes

$78.5 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,406 $1,406

-19.52%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,233 $1,233

-45.44%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$3,293 $3,293

9.69%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$3,061 $3,061

-44.41%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$10.9K $10.9K

-79.36%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,598 $1,598

-89.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: October 19, 2026

Last update for Tortola: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Tortola

–

Groceries & Markets

Ubud, Bali

$287 21.2%

Tortola

–

Clothing & Footwear

Ubud, Bali

$107 7.9%

Tortola

–

Eating Out

Ubud, Bali

$106 7.9%

Tortola

–

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Tortola

–

Sport & Entertainment

Ubud, Bali

$63 4.6%

Tortola

–

Getting Around

Ubud, Bali

$12 0.9%

Tortola

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,406 in Tortola. Housing cost is often the main lever when comparing two cities.

Tortola pays 860% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $84.0 in Tortola for a mid-range dinner for two. Groceries echo the gap at $287 vs $494 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇻🇬 Tortola

🕒 Local time

18:45 6:45 PM

06:45 6:45 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

8,449

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 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 October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 20, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Tortola 18,910 km ≈ 24 h nonstop flight

From you

Ubud, Bali
Tortola

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 Tortola: Cost of Living - Frequently Asked Questions

Ubud, Bali and Tortola differ by about 79% in total monthly costs ($1,353 vs $2,423 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 860% lower in Tortola. 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: $1,131 in Ubud, Bali versus $1,406 in Tortola. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $84.0 in Tortola. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,353 per month in Ubud, Bali versus $2,423 in Tortola – a 79% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,353 in Ubud, Bali versus $2,423 in Tortola, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Tortola. 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 Tortola 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 79% less than in Tortola. Beyond cost, consider language, visa policies, and how big the international community is in each city.