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

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $1,203 in Umluj.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,846 in Umluj.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $2,489 in Umluj.

Living in Ubud, Bali is roughly 16% more expensive than in Umluj, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Umluj is 10% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$6.57 SAR 24.67

-45.66%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$44.50 SAR 167

-27.37%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$7.94 SAR 29.83

-36.90%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.69 SAR 6.36

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.82 SAR 6.85

Cappuccino

$2.82 Rp 51.0K

$3.74 SAR 14.03

-24.60%

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

$1.35 Rp 24.4K

$0.80 SAR 3.00

68.75%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.29 SAR 1.07

151.72%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

Milk (1 liter)

$1.78 Rp 32.1K

$1.71 SAR 6.41

4.09%

White Bread (500g)

$2.45 Rp 44.2K

$0.94 SAR 3.51

160.64%

Rice (white) (1kg)

$1.15 Rp 20.7K

$2.28 SAR 8.56

-49.56%

Eggs

$2.41 Rp 43.6K

$2.44 SAR 9.16

-1.23%

Local Cheese (1kg)

$14.33 Rp 258.7K

$6.84 SAR 25.67

109.50%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$7.63 SAR 28.65

-45.09%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$12.88 SAR 48.37

-6.37%

Apples (1kg)

$3.64 Rp 65.7K

$2.25 SAR 8.46

61.78%

Banana (1kg)

$1.57 Rp 28.3K

$1.65 SAR 6.21

-4.85%

Oranges (1kg)

$2.79 Rp 50.3K

$1.72 SAR 6.47

62.21%

Tomato (1kg)

$2.24 Rp 40.5K

$1.55 SAR 5.81

44.52%

Potato (1kg)

$1.98 Rp 35.7K

$1.25 SAR 4.69

58.40%

Onion (1kg)

$2.28 Rp 41.1K

$1.28 SAR 4.81

78.12%

Lettuce (1 head)

$1.05 Rp 19.0K

$1.19 SAR 4.49

-11.76%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.56 SAR 2.10

41.07%

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.73 SAR 10.24

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.71 SAR 6.44

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.00 SAR 7.51

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$7.06 SAR 26.51

-54.82%

Wine (Bottle)

$23.49 Rp 424.1K

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$1.08 SAR 4.06

-75.00%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$40.31 SAR 151

-79.24%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$2.69 SAR 10.11

-83.27%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$1.88 SAR 7.07

-75.53%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$13.34 SAR 50.1

-54.50%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.65 SAR 2.44

32.31%

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

$26.6K Rp 480.0M

$26.5K SAR 99.4K

0.41%

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

$32.5K Rp 587.6M

$21.9K SAR 82.4K

48.34%

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

$79.0 Rp 1.4M

$107 SAR 402

-26.11%

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

$4.09 Rp 73.9K

$34.12 SAR 128

-88.01%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$71.5 SAR 269

-66.65%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$87.1 SAR 327

13.45%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$36.17 SAR 136

-82.44%

Cinema Ticket

$4.01 Rp 72.3K

$15.56 SAR 58.4

-74.23%

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

$297 Rp 5.4M

$353 SAR 1,324

-15.68%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$6,914 SAR 26.0K

-4.52%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$60.0 SAR 225

-10.95%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$59.7 SAR 224

-36.12%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$79.9 SAR 300

10.98%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$82.1 SAR 308

-6.66%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$438 SAR 1,644

132.90%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$380 SAR 1,428

78.89%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$836 SAR 3,139

314.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$621 SAR 2,331

236.73%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$2,392 SAR 8,983

14.07%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,226 SAR 4,605

87.18%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,239 SAR 15.9K

-96.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.42

200.45%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Umluj: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $438 in Umluj. Housing cost is often the main lever when comparing two cities.

Umluj pays 2490% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $44.00 in Umluj. Groceries flip the comparison at $298 vs $196, with Umluj 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 Umluj: Cost of Living - Frequently Asked Questions

Umluj wins on cost – living expenses run 16% 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 2490% lower in Umluj. 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: $1,020 in Ubud, Bali versus $438 in Umluj. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $353 in Umluj. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 52% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,203 in Umluj versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in Umluj but tight or insufficient in Ubud, Bali. The gap between the two cities makes Umluj the clear choice for anyone on this budget.

Both work as nomad bases, but Umluj delivers better value – similar infrastructure at $1,203 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Umluj hard to pass up.

Safety-wise, Ubud, Bali and Umluj 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 Umluj gentler on the wallet – expenses run 16% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.