Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Umag

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,562 in Umag, rent and utilities included – about $2,600 less a year. The total is higher in Umag despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
77

Cost of Living Index in Umag
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Umag Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Umag

🇭🇷 Croatia

$1,562

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,562 in Umag.

Ubud, Bali $1,349
Umag $1,562

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,448 in Umag.

Ubud, Bali $2,305
Umag $2,448

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,333 in Umag.

Ubud, Bali $3,261
Umag $3,333

Living in Ubud, Bali costs roughly 14% less than in Umag, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$12.16 €10.92

-72.70%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$65.3 €58.6

-45.38%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$8.29 €7.44

-33.29%

Cappuccino

$2.72 Rp 49.4K

$2.26 €2.03

20.35%

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

$1.70 Rp 30.9K

$2.99 €2.69

-43.14%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.28 €2.05

-66.67%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.34 €3.00

-20.66%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$4.35 €3.91

0.69%

Milk (1 liter)

$1.49 Rp 27.1K

$1.30 €1.17

14.62%

White Bread (500g)

$2.28 Rp 41.4K

$1.57 €1.41

45.22%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.80 €2.51

-57.50%

Eggs

$2.04 Rp 37.0K

$3.83 €3.44

-46.74%

Local Cheese (1kg)

$17.70 Rp 321.7K

$14.69 €13.19

20.49%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$11.49 €10.32

-65.54%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$17.63 €15.84

-30.86%

Apples (1kg)

$3.66 Rp 66.4K

$2.23 €2.00

64.13%

Banana (1kg)

$1.52 Rp 27.6K

$1.64 €1.48

-7.32%

Oranges (1kg)

$2.23 Rp 40.5K

$2.21 €1.98

0.90%

Tomato (1kg)

$1.97 Rp 35.9K

$2.45 €2.20

-19.59%

Potato (1kg)

$1.85 Rp 33.6K

$1.36 €1.22

36.03%

Onion (1kg)

$2.42 Rp 44.1K

$1.26 €1.13

92.06%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.19 €1.07

-16.81%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.28 €1.15

-60.16%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$6.09 €5.47

-63.55%

Wine (Bottle)

$22.24 Rp 404.2K

$11.15 €10.01

99.46%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.68 €1.51

34.52%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.45 €2.20

21.22%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.82 €1.64

-86.26%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$47.33 €42.51

-83.48%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$2.27 €2.04

-80.62%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.42 €1.27

-69.72%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$12.15 €10.91

-55.47%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.89 €1.70

-56.61%

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

$23.8K Rp 433.3M

$27.1K €24.4K

-12.12%

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

$31.7K Rp 577.0M

$25.5K €22.9K

24.54%

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

$79.1 Rp 1.4M

$210 €189

-62.37%

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

$6.45 Rp 117.2K

$22.03 €19.79

-70.72%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$37.86 €34.01

-50.92%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$51.4 €46.14

-3.66%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$15.08 €13.54

17.04%

Cinema Ticket

$4.27 Rp 77.7K

$8.56 €7.69

-50.12%

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

$491 Rp 8.9M

$489 €439

0.31%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$9,869 €8,865

-42.51%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$111 €99.9

-59.86%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$42.52 €38.20

-17.80%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$103 €92.2

-22.19%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$114 €103

-30.47%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$602 €541

86.81%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$483 €434

38.95%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,252 €1,125

184.61%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$941 €846

83.07%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$4,602 €4,134

-40.64%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$3,282 €2,948

-30.41%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.3

317.58%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Umag: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Umag

$483 30.9% 28% $188

Groceries & Markets

Ubud, Bali

$288 21.4%

Umag

$314 20.1% 8.8% $26

Eating Out

Ubud, Bali

$108 8%

Umag

$196 12.5% 81.8% $88

Clothing & Footwear

Ubud, Bali

$108 8%

Umag

$167 10.7% 55.1% $59

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Umag

$270 17.3% 159% $166

Sport & Entertainment

Ubud, Bali

$58 4.3%

Umag

$68 4.4% 18% $10

Getting Around

Ubud, Bali

$11 0.9%

Umag

$64 4.1% 460% $53

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $602 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $65 in Umag for a mid-range dinner for two. Groceries echo the gap at $288 vs $314 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Umag

🕒 Local time

01:48 1:48 AM

18:48 6:48 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

13,000

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.11 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Umag 11,600 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Umag

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 Umag: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 14% lower than in Umag. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $2,023 in Ubud, Bali and $2,343 in Umag 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: $1,125 in Ubud, Bali versus $602 in Umag. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $489 in Umag. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Umag. For households that cook at home regularly, that difference adds up over a month.

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 Umag are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.