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: $1,368 in Ubud, Bali versus $1,168 in Umluj.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,752 in Umluj.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,336 in Umluj.

Living in Ubud, Bali is roughly 17% more expensive than in Umluj, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Umluj is 15% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$6.71 SAR 25.22

-48.73%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.2K

$36.73 SAR 138

-1.14%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$8.07 SAR 30.30

-29.24%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.85 SAR 6.94

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.09 SAR 7.87

Cappuccino

$2.67 Rp 47.4K

$3.48 SAR 13.06

-23.28%

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

$1.75 Rp 31.0K

$0.90 SAR 3.38

94.44%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.26 SAR 0.98

234.62%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

Milk (1 liter)

$1.62 Rp 28.7K

$1.67 SAR 6.26

-2.99%

White Bread (500g)

$2.33 Rp 41.3K

$1.16 SAR 4.34

100.86%

Rice (white) (1kg)

$1.11 Rp 19.6K

$2.16 SAR 8.11

-48.61%

Eggs

$2.20 Rp 39.0K

$2.39 SAR 8.97

-7.95%

Local Cheese (1kg)

$17.69 Rp 313.9K

$7.34 SAR 27.58

141.01%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$7.99 SAR 30.01

-48.69%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

$12.98 SAR 48.77

-6.16%

Apples (1kg)

$3.71 Rp 65.8K

$2.08 SAR 7.82

78.37%

Banana (1kg)

$1.59 Rp 28.2K

$1.71 SAR 6.40

-7.02%

Oranges (1kg)

$2.28 Rp 40.5K

$1.57 SAR 5.89

45.22%

Tomato (1kg)

$1.95 Rp 34.7K

$1.63 SAR 6.14

19.63%

Potato (1kg)

$1.91 Rp 33.8K

$1.14 SAR 4.28

67.54%

Onion (1kg)

$2.33 Rp 41.4K

$1.30 SAR 4.88

79.23%

Lettuce (1 head)

$1.01 Rp 17.9K

$1.14 SAR 4.27

-11.40%

Water (1.5 liter bottle)

$0.55 Rp 9,791

$0.55 SAR 2.06

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.87 SAR 10.80

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.68 SAR 6.31

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.08 SAR 7.81

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$6.47 SAR 24.30

-65.53%

Wine (Bottle)

$23.07 Rp 409.3K

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

One-way Ticket (Public Transport)

$0.27 Rp 4,823

$1.05 SAR 3.96

-74.29%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

$35.76 SAR 134

-74.89%

Taxi Start (Normal Tariff)

$0.48 Rp 8,582

$2.96 SAR 11.14

-83.78%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,693

$1.83 SAR 6.86

-76.50%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$13.29 SAR 49.91

-57.56%

Gasoline (1 liter)

$0.80 Rp 14.3K

$0.65 SAR 2.44

23.08%

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

$24.9K Rp 442.5M

$45.8K SAR 172.1K

-45.56%

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

$31.7K Rp 562.6M

$21.7K SAR 81.5K

46.20%

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

$81.5 Rp 1.4M

$98.6 SAR 371

-17.42%

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

$6.49 Rp 115.2K

$32.02 SAR 120

-79.73%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.0K

$68.1 SAR 256

-72.45%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$84.1 SAR 316

-32.38%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.3K

$37.21 SAR 140

-49.66%

Cinema Ticket

$4.54 Rp 80.5K

$13.07 SAR 49.10

-65.26%

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

$481 Rp 8.5M

$341 SAR 1,279

41.13%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$6,614 SAR 24.8K

-13.65%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.5K

$49.91 SAR 187

-8.80%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.6K

$58.3 SAR 219

-38.45%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$97.0 SAR 364

-17.08%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$87.9 SAR 330

-10.46%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$588 SAR 2,210

89.40%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$349 SAR 1,311

99.86%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$883 SAR 3,315

312.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$553 SAR 2,078

214.04%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$2,391 SAR 8,982

16.44%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$1,395 SAR 5,240

64.15%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$4,205 SAR 15.8K

-96.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.47

151.92%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Umluj: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $588 in Umluj. Housing cost is often the main lever when comparing two cities.

Umluj pays 2403% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $37.00 in Umluj. Groceries flip the comparison at $295 vs $200, 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 17% 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 2403% 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: $1,115 in Ubud, Bali versus $588 in Umluj. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $481 in Ubud, Bali versus $341 in Umluj. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 48% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,168 in Umluj versus $1,368 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 $1,168 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 17% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.