Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Umluj

For one person, living is cheaper in Umluj: $1,230 a month against $1,331 in Ubud, Bali, rent and utilities included – about $1,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
58

Cost of Living Index in Umluj
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Umluj Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Umluj

🇸🇦 Saudi Arabia

$1,230

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,230 in Umluj.

Ubud, Bali $1,331
Umluj $1,230

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,824 in Umluj.

Ubud, Bali $2,255
Umluj $1,824

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $2,418 in Umluj.

Ubud, Bali $3,180
Umluj $2,418

Living in Ubud, Bali is roughly 8% more expensive than in Umluj, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, Umluj 9% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$6.59 SAR 24.75

-48.71%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$39.59 SAR 149

-12.48%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$8.45 SAR 31.71

-34.08%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.68 SAR 6.30

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.54 SAR 9.55

Cappuccino

$2.62 Rp 47.5K

$3.45 SAR 12.96

-24.06%

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

$1.54 Rp 27.9K

$0.83 SAR 3.12

85.54%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.27 SAR 1.03

137.04%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

Milk (1 liter)

$1.46 Rp 26.5K

$1.92 SAR 7.21

-23.96%

White Bread (500g)

$2.29 Rp 41.6K

$1.12 SAR 4.21

104.46%

Rice (white) (1kg)

$1.11 Rp 20.1K

$2.03 SAR 7.60

-45.32%

Eggs

$2.10 Rp 38.1K

$2.48 SAR 9.30

-15.32%

Local Cheese (1kg)

$15.94 Rp 289.2K

$6.36 SAR 23.88

150.63%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$8.73 SAR 32.76

-55.56%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$14.21 SAR 53.3

-19.77%

Apples (1kg)

$3.55 Rp 64.4K

$2.30 SAR 8.62

54.35%

Banana (1kg)

$1.54 Rp 27.9K

$1.96 SAR 7.35

-21.43%

Oranges (1kg)

$2.23 Rp 40.5K

$1.37 SAR 5.16

62.77%

Tomato (1kg)

$1.97 Rp 35.8K

$1.40 SAR 5.26

40.71%

Potato (1kg)

$1.86 Rp 33.7K

$1.08 SAR 4.04

72.22%

Onion (1kg)

$2.42 Rp 43.9K

$1.27 SAR 4.78

90.55%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.41 SAR 5.28

-27.66%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.48 SAR 1.82

8.33%

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.56 SAR 9.61

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.55 SAR 5.83

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.97 SAR 7.40

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$5.89 SAR 22.10

-62.65%

Wine (Bottle)

$21.79 Rp 395.2K

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$1.19 SAR 4.48

-78.99%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$39.20 SAR 147

-79.16%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$2.96 SAR 11.11

-85.14%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$1.57 SAR 5.90

-70.06%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$15.82 SAR 59.4

-64.60%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.53 SAR 1.99

56.60%

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

$24.4K Rp 443.5M

$33.3K SAR 125.1K

-26.62%

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

$31.7K Rp 575.0M

$21.3K SAR 79.8K

49.06%

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

$77.5 Rp 1.4M

$95.4 SAR 358

-18.74%

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

$6.14 Rp 111.5K

$35.71 SAR 134

-82.81%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$69.3 SAR 260

-72.69%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$80.5 SAR 302

-36.67%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

Cinema Ticket

$4.38 Rp 79.5K

$13.83 SAR 51.9

-68.33%

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

$492 Rp 8.9M

$378 SAR 1,420

30.17%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$11.6K SAR 43.4K

5.70%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$43.21 SAR 162

4.51%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$62.5 SAR 234

-44.15%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$92.6 SAR 348

-15.42%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$87.8 SAR 330

-11.35%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$558 SAR 2,093

93.26%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$407 SAR 1,528

63.35%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$875 SAR 3,286

300.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$611 SAR 2,292

173.63%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,201 SAR 8,261

6.32%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,179 SAR 4,427

89.62%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$4,181 SAR 15.7K

-96.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.54

148.74%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Umluj: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Umluj

$407 33.1% 38.8% $258

Groceries & Markets

Ubud, Bali

$279 21%

Umluj

$207 16.8% 26% $73

Clothing & Footwear

Ubud, Bali

$106 8%

Umluj

$129 10.5% 21.1% $22

Eating Out

Ubud, Bali

$106 8%

Umluj

$124 10.1% 17.2% $18

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Umluj

$200 16.3% 95.4% $98

Sport & Entertainment

Ubud, Bali

$60 4.5%

Umluj

$108 8.8% 81% $48

Getting Around

Ubud, Bali

$12 0.9%

Umluj

$55 4.5% 359% $43

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $558 in Umluj. Housing cost is often the main lever when comparing two cities.

Umluj pays about 25 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35 in Ubud, Bali vs $40 in Umluj. Groceries flip the comparison at $279 vs $207, with Umluj cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇸🇦 Umluj

🕒 Local time

12:11 12:11 PM

07:11 7:11 AM

5 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

37,757

💱 Currency

Indonesian Rupiah IDR Rp

Saudi Riyal SAR ر.س

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.9 EUR

1 SAR = 0.266 USD

1 SAR = 0.237 EUR

Exchange rates and currency converter

SAR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,421 IDR (100,000 IDR = 4.9 EUR).

Saudi Riyal exchange rates as of November 5, 2026: 1 USD = 3.75 SAR (1 SAR = 0.266 USD). 1 EUR = 4.23 SAR (1 SAR = 0.237 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Umluj 9,220 km ≈ 12 h nonstop flight

From you

Ubud, Bali
Umluj

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 Umluj: Cost of Living - Frequently Asked Questions

Umluj wins on cost – living expenses run 8% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Umluj the obvious pick if budget is a priority.

On paper, salaries run 96% 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: $1,078 in Ubud, Bali versus $558 in Umluj. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $378 in Umluj. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 35% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Either city works on $2,000 a month, though Umluj gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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