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: $1,408 in Ubud, Bali versus $1,508 in Umag.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,303 in Umag.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $3,098 in Umag.

Living in Ubud, Bali costs roughly 7% less than in Umag, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Umag 13% above.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$11.68 €10.22

-70.46%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$69.1 €60.4

-53.19%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$9.22 €8.07

-47.51%

Cappuccino

$2.75 Rp 49.3K

$2.25 €1.97

22.22%

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

$1.38 Rp 24.8K

$3.13 €2.74

-55.91%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$2.32 €2.03

-67.67%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$3.77 €3.30

-20.69%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$4.67 €4.09

-17.56%

Milk (1 liter)

$1.74 Rp 31.1K

$1.34 €1.17

29.85%

White Bread (500g)

$2.46 Rp 44.1K

$1.89 €1.65

30.16%

Rice (white) (1kg)

$1.17 Rp 21.0K

$2.73 €2.39

-57.14%

Eggs

$2.43 Rp 43.6K

$3.76 €3.29

-35.37%

Local Cheese (1kg)

$14.50 Rp 260.2K

$10.95 €9.58

32.42%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$9.85 €8.62

-55.84%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

$12.92 €11.31

-7.28%

Apples (1kg)

$3.72 Rp 66.7K

$1.85 €1.62

101.08%

Banana (1kg)

$1.63 Rp 29.2K

$1.67 €1.46

-2.40%

Oranges (1kg)

$2.74 Rp 49.2K

$2.04 €1.79

34.31%

Tomato (1kg)

$2.24 Rp 40.2K

$3.10 €2.71

-27.74%

Potato (1kg)

$1.92 Rp 34.4K

$1.37 €1.20

40.15%

Onion (1kg)

$2.28 Rp 40.8K

$1.46 €1.28

56.16%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.30 €1.14

-18.46%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.28 €1.12

-43.75%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$5.93 €5.19

-44.52%

Wine (Bottle)

$23.19 Rp 416.1K

$8.99 €7.86

157.95%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$1.84 €1.61

51.09%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$2.24 €1.96

21.87%

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$1.78 €1.56

-84.83%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$43.66 €38.20

-81.42%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$2.34 €2.04

-79.49%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$1.07 €0.93

-60.75%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$10.33 €9.04

-39.79%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.80 €1.57

-55.00%

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

$26.6K Rp 477.4M

$34.7K €30.4K

-23.38%

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

$32.2K Rp 577.4M

$26.8K €23.4K

20.17%

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

$78.4 Rp 1.4M

$211 €185

-62.85%

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

$4.07 Rp 73.0K

$19.60 €17.15

-79.23%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$32.88 €28.76

-26.00%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$52.8 €46.19

86.76%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$14.85 €12.99

-57.31%

Cinema Ticket

$3.99 Rp 71.5K

$8.67 €7.59

-53.98%

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

$305 Rp 5.5M

$240 €210

27.28%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$13.4K €11.7K

-50.47%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$102 €89.3

-46.97%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$39.49 €34.55

-4.25%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$98.4 €86.1

-11.72%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$117 €102

-34.51%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$672 €588

47.59%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$472 €413

42.49%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$1,052 €920

220.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$770 €674

166.14%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$3,485 €3,049

-19.52%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$3,519 €3,079

-36.72%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.72

256.99%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Umag: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $672 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $69.0 in Umag. Groceries flip the comparison at $297 vs $281, with Umag cheaper for home cooking.

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 7% 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 $2,112 in Ubud, Bali and $2,262 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: $992 in Ubud, Bali versus $672 in Umag. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $240 in Umag. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Umag pay roughly 6% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,408 in Ubud, Bali versus $1,508 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 $1,408 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 7% less than in Umag. Beyond cost, consider language, visa policies, and how big the international community is in each city.