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

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $1,649 in Umag.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,450 in Umag.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $3,251 in Umag.

Living in Ubud, Bali costs roughly 16% less than in Umag, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Umag 20% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$13.40 €11.55

-75.15%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$60.6 €52.3

-40.90%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$8.20 €7.07

-31.34%

Cappuccino

$2.82 Rp 49.7K

$2.39 €2.06

17.99%

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

$1.75 Rp 30.8K

$3.02 €2.60

-42.05%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$2.25 €1.94

-64.44%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$3.46 €2.98

-12.14%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$4.58 €3.95

-6.11%

Milk (1 liter)

$1.61 Rp 28.3K

$1.40 €1.21

15.00%

White Bread (500g)

$2.27 Rp 39.9K

$1.72 €1.49

31.98%

Rice (white) (1kg)

$1.17 Rp 20.6K

$3.17 €2.73

-63.09%

Eggs

$2.17 Rp 38.2K

$4.05 €3.49

-46.42%

Local Cheese (1kg)

$17.63 Rp 310.5K

$16.08 €13.86

9.64%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$12.52 €10.80

-67.65%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$17.87 €15.40

-31.84%

Apples (1kg)

$3.62 Rp 63.7K

$2.34 €2.01

54.70%

Banana (1kg)

$1.64 Rp 28.8K

$1.90 €1.64

-13.68%

Oranges (1kg)

$2.31 Rp 40.6K

$2.16 €1.86

6.94%

Tomato (1kg)

$1.96 Rp 34.5K

$2.69 €2.32

-27.14%

Potato (1kg)

$1.84 Rp 32.5K

$1.40 €1.20

31.43%

Onion (1kg)

$2.37 Rp 41.7K

$1.11 €0.96

113.51%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.32 €1.14

-20.45%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.31 €1.13

-58.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$5.87 €5.06

-60.82%

Wine (Bottle)

$23.08 Rp 406.4K

$9.40 €8.10

145.53%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.72 €1.48

36.05%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.40 €2.06

27.92%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.55 €1.34

-83.87%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$40.90 €35.25

-76.97%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$2.29 €1.98

-78.60%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.47 €1.27

-68.03%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$11.08 €9.55

-49.46%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.94 €1.68

-58.25%

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

$25.0K Rp 440.3M

$27.7K €23.8K

-9.60%

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

$31.1K Rp 547.0M

$27.2K €23.5K

14.06%

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

$82.7 Rp 1.5M

$219 €189

-62.18%

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

$6.49 Rp 114.2K

$22.50 €19.39

-71.16%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$41.69 €35.94

-54.93%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$53.1 €45.80

3.95%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$15.90 €13.71

14.53%

Cinema Ticket

$4.30 Rp 75.7K

$8.73 €7.52

-50.74%

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

$494 Rp 8.7M

$551 €475

-10.35%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$10.7K €9,239

-44.79%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$107 €92.2

-56.71%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$46.15 €39.79

-21.04%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$99.1 €85.5

-18.60%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$112 €96.7

-29.74%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$710 €612

56.94%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$533 €459

30.07%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,221 €1,052

198.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$861 €742

98.93%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$4,179 €3,603

-33.95%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$2,976 €2,565

-22.97%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.25

324.00%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Umag: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $710 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $61.0 in Umag for a mid-range dinner for two. Groceries echo the gap at $294 vs $329 per month, with Ubud, Bali 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 Umag: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 20% 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 $2,067 in Ubud, Bali and $2,473 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: $1,114 in Ubud, Bali versus $710 in Umag. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $494 in Ubud, Bali versus $551 in Umag. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 12% higher in Umag. For households that cook at home regularly, that difference adds up over a month.

At $1,378 in Ubud, Bali versus $1,649 in Umag, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Umag. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,378 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 20% less than in Umag. Beyond cost, consider language, visa policies, and how big the international community is in each city.