Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Umm Al Quwain

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,447 in Umm Al Quwain, rent and utilities included – about $1,200 less a year. The total is higher in Umm Al Quwain despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
70

Cost of Living Index in Umm Al Quwain
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Umm Al Quwain Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Umm Al Quwain

🇦🇪 United Arab Emirates

$1,447

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Umm Al Quwain

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 Umm Al Quwain actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,447 in Umm Al Quwain.

Ubud, Bali $1,349
Umm Al Quwain $1,447

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,034 in Umm Al Quwain.

Ubud, Bali $2,305
Umm Al Quwain $2,034

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,620 in Umm Al Quwain.

Ubud, Bali $3,261
Umm Al Quwain $2,620

Living in Ubud, Bali costs roughly 7% less than in Umm Al Quwain, and outside of rent the biggest gap is in utilities.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$5.76 AED 21.15

-42.36%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$26.98 AED 99.1

32.10%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.39 AED 30.80

-34.09%

Cappuccino

$2.72 Rp 49.3K

$3.86 AED 14.19

-29.53%

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

$1.70 Rp 30.8K

$0.86 AED 3.16

97.67%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.36 AED 1.33

111.11%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$11.04 AED 40.54

-76.00%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$12.29 AED 45.14

-64.36%

Milk (1 liter)

$1.49 Rp 27.0K

$1.86 AED 6.84

-19.89%

White Bread (500g)

$2.28 Rp 41.2K

$1.36 AED 4.99

67.65%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.46 AED 5.37

-18.49%

Eggs

$2.04 Rp 36.9K

$2.11 AED 7.76

-3.32%

Local Cheese (1kg)

$17.70 Rp 320.8K

$7.61 AED 27.94

132.59%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$6.52 AED 23.94

-39.26%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$9.42 AED 34.59

29.41%

Apples (1kg)

$3.66 Rp 66.2K

$1.90 AED 6.99

92.63%

Banana (1kg)

$1.52 Rp 27.5K

$1.39 AED 5.12

9.35%

Oranges (1kg)

$2.23 Rp 40.4K

$1.56 AED 5.73

42.95%

Tomato (1kg)

$1.97 Rp 35.7K

$0.98 AED 3.60

101.02%

Potato (1kg)

$1.85 Rp 33.5K

$1.01 AED 3.71

83.17%

Onion (1kg)

$2.42 Rp 43.9K

$1.00 AED 3.66

142.00%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.19 AED 4.38

-16.81%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.51 AED 1.87

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$6.16 AED 22.63

-63.96%

Wine (Bottle)

$22.24 Rp 403.0K

$10.95 AED 40.20

103.11%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.68 AED 6.17

34.52%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.31 AED 8.49

28.57%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$3.28 AED 12.06

-86.59%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.66 AED 2.42

-34.85%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$8.01 AED 29.40

-32.46%

Gasoline (1 liter)

$0.82 Rp 14.9K

$0.83 AED 3.06

-1.20%

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

$23.8K Rp 432.0M

$25.8K AED 94.6K

-7.48%

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

$31.7K Rp 575.3M

$22.0K AED 80.7K

44.47%

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

$79.1 Rp 1.4M

$150 AED 550

-47.21%

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

$6.45 Rp 116.8K

$50.0 AED 184

-87.10%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$86.6 AED 318

-78.54%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$44.50 AED 163

11.19%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$13.53 AED 49.69

-68.44%

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

$491 Rp 8.9M

$491 AED 1,803

-0.10%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$5,705 AED 21.0K

-0.55%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$58.3 AED 214

-23.44%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$61.5 AED 226

-43.14%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$86.5 AED 318

-7.66%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$95.2 AED 349

-16.53%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$683 AED 2,509

64.64%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$534 AED 1,962

25.67%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,037 AED 3,807

243.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$829 AED 3,045

107.83%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,327 AED 12.2K

-95.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.75

190.11%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Umm Al Quwain: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Umm Al Quwain

$534 36.9% 20.4% $137

Groceries & Markets

Ubud, Bali

$288 21.4%

Umm Al Quwain

$210 14.5% 27.2% $78

Eating Out

Ubud, Bali

$108 8%

Umm Al Quwain

$202 14% 87.8% $95

Clothing & Footwear

Ubud, Bali

$108 8%

Umm Al Quwain

$136 9.4% 26.2% $28

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Umm Al Quwain

$286 19.8% 175% $182

Sport & Entertainment

Ubud, Bali

$58 4.3%

Umm Al Quwain

$72 5% 23.3% $14

Getting Around

Ubud, Bali

$11 0.9%

Umm Al Quwain

$6.6 * 0.5% 42.5% $4.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $683 in Umm Al Quwain. Housing cost is often the main lever when comparing two cities.

Umm Al Quwain pays about 20 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $27 in Umm Al Quwain for a mid-range dinner for two. Groceries echo the gap at $288 vs $210 per month, with Umm Al Quwain cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇦🇪 Umm Al Quwain

🕒 Local time

23:51 11:51 PM

19:51 7:51 PM

4 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

34,637

💱 Currency

Indonesian Rupiah IDR Rp

UAE Dirham AED د.إ

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 AED = 0.272 USD

1 AED = 0.244 EUR

Exchange rates and currency converter

AED, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

UAE Dirham exchange rates as of November 1, 2026: 1 USD = 3.67 AED (1 AED = 0.272 USD). 1 EUR = 4.1 AED (1 AED = 0.244 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Umm Al Quwain 7,480 km ≈ 10 h nonstop flight

From you

Ubud, Bali
Umm Al Quwain

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 Umm Al Quwain: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 7% lower than in Umm Al Quwain. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 95% 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: $1,125 in Ubud, Bali versus $683 in Umm Al Quwain. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Umm Al Quwain pay roughly 27% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,447 in Umm Al Quwain – Ubud, Bali is about 7% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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

It comes down to priorities – Ubud, Bali wins on affordability, Umm Al Quwain on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.