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: $1,438 in Ubud, Bali versus $1,237 in Umluj.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,848 in Umluj.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $2,460 in Umluj.

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

The two cities straddle the global median: Ubud, Bali is 7% above, Umluj is 8% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$6.58 SAR 24.68

-45.74%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$45.36 SAR 170

-28.17%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$8.21 SAR 30.78

-38.25%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.76 SAR 6.60

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.79 SAR 6.71

Cappuccino

$2.83 Rp 49.0K

$3.75 SAR 14.08

-24.53%

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

$1.34 Rp 23.2K

$0.80 SAR 2.99

67.50%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.31 SAR 1.18

122.58%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

Milk (1 liter)

$1.74 Rp 30.2K

$1.70 SAR 6.37

2.35%

White Bread (500g)

$2.54 Rp 44.0K

$0.95 SAR 3.55

167.37%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.36 SAR 8.86

-49.58%

Eggs

$2.43 Rp 42.0K

$2.48 SAR 9.31

-2.02%

Local Cheese (1kg)

$14.66 Rp 254.1K

$6.76 SAR 25.35

116.86%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$7.32 SAR 27.44

-42.90%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$13.24 SAR 49.64

-9.82%

Apples (1kg)

$3.69 Rp 63.9K

$2.27 SAR 8.51

62.56%

Banana (1kg)

$1.61 Rp 27.8K

$1.62 SAR 6.08

-0.62%

Oranges (1kg)

$2.69 Rp 46.5K

$1.67 SAR 6.28

61.08%

Tomato (1kg)

$2.33 Rp 40.4K

$1.61 SAR 6.03

44.72%

Potato (1kg)

$1.91 Rp 33.0K

$1.28 SAR 4.81

49.22%

Onion (1kg)

$2.19 Rp 37.9K

$1.28 SAR 4.81

71.09%

Lettuce (1 head)

$1.06 Rp 18.3K

$1.17 SAR 4.40

-9.40%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.55 SAR 2.07

30.91%

Bottle of Non-Alcoholic Wine (Mid-Range)

$3.22 SAR 12.07

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.70 SAR 6.36

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.10 SAR 7.87

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$7.13 SAR 26.75

-56.10%

Wine (Bottle)

$23.49 Rp 407.1K

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$1.06 SAR 3.97

-72.64%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$39.24 SAR 147

-79.18%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$2.69 SAR 10.10

-83.27%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$1.90 SAR 7.13

-77.89%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$13.40 SAR 50.3

-54.03%

Gasoline (1 liter)

$0.84 Rp 14.6K

$0.60 SAR 2.24

40.00%

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

$26.2K Rp 454.9M

$26.3K SAR 98.7K

-0.24%

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

$32.5K Rp 562.9M

$22.7K SAR 85.1K

43.11%

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

$78.4 Rp 1.4M

$106 SAR 398

-26.17%

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

$3.95 Rp 68.5K

$33.78 SAR 127

-88.31%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$72.8 SAR 273

-66.48%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$88.6 SAR 332

8.97%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$36.32 SAR 136

-82.52%

Cinema Ticket

$4.04 Rp 70.0K

$15.81 SAR 59.3

-74.45%

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

$303 Rp 5.2M

$350 SAR 1,312

-13.51%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$6,866 SAR 25.7K

-4.99%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$58.5 SAR 219

-7.89%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$59.9 SAR 225

-36.64%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$80.6 SAR 302

7.60%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$81.3 SAR 305

-3.05%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$440 SAR 1,649

130.22%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$388 SAR 1,456

73.69%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$861 SAR 3,229

293.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$633 SAR 2,372

231.69%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$2,328 SAR 8,731

28.19%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,358 SAR 5,093

72.24%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$4,303 SAR 16.1K

-95.98%

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: April 28, 2026

Last update for Umluj: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $440 in Umluj. Housing cost is often the main lever when comparing two cities.

Umluj pays 2385% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $45.00 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, Umluj earns 2385% less. 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: $1,012 in Ubud, Bali versus $440 in Umluj. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $350 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 $1,237 in Umluj versus $1,438 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 $1,237 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.