Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Waco, TX

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,447 in Waco, TX, rent and utilities included – about $13,200 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
117

Cost of Living Index in Waco, TX
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Waco, TX Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Waco, TX

🇺🇸 United States

$2,447

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Waco, TX

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $2,447 in Waco, TX.

Ubud, Bali $1,348
Waco, TX $2,447

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $3,090 in Waco, TX.

Ubud, Bali $2,312
Waco, TX $3,090

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $3,734 in Waco, TX.

Ubud, Bali $3,276
Waco, TX $3,734

Living in Ubud, Bali costs roughly 45% less than in Waco, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Waco, TX 83% above.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$15.21 $15.21

-78.11%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.3K

$59.0 $59.0

-39.98%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$12.18 $12.18

-52.71%

Cappuccino

$2.63 Rp 47.0K

$5.39 $5.39

-51.21%

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

$1.74 Rp 31.0K

$1.77 $1.77

-1.69%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.49 $1.49

-48.32%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$4.93 $4.93

-45.03%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$5.52 $5.52

-18.12%

Milk (1 liter)

$1.53 Rp 27.4K

$0.76 $0.76

101.32%

White Bread (500g)

$2.20 Rp 39.2K

$3.16 $3.16

-30.38%

Rice (white) (1kg)

$1.22 Rp 21.8K

$2.03 $2.03

-39.90%

Eggs

$2.14 Rp 38.2K

$2.78 $2.78

-23.02%

Local Cheese (1kg)

$17.73 Rp 317.0K

$12.06 $12.06

47.01%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$9.70 $9.70

-60.21%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$11.67 $11.67

3.08%

Apples (1kg)

$3.61 Rp 64.5K

$3.83 $3.83

-5.74%

Banana (1kg)

$1.51 Rp 27.1K

$1.12 $1.12

34.82%

Oranges (1kg)

$2.32 Rp 41.5K

$3.86 $3.86

-39.90%

Tomato (1kg)

$2.00 Rp 35.8K

$3.71 $3.71

-46.09%

Potato (1kg)

$1.81 Rp 32.4K

$2.27 $2.27

-20.26%

Onion (1kg)

$2.39 Rp 42.7K

$2.86 $2.86

-16.43%

Lettuce (1 head)

$0.99 Rp 17.8K

$1.76 $1.76

-43.75%

Water (1.5 liter bottle)

$0.52 Rp 9,375

$0.99 $0.99

-47.47%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$8.54 $8.54

-74.47%

Wine (Bottle)

$22.98 Rp 410.8K

$13.49 $13.49

70.35%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.68 $1.68

42.86%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$3.81 $3.81

-21.26%

One-way Ticket (Public Transport)

$0.24 Rp 4,256

$1.54 $1.54

-84.42%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$40.12 $40.12

-82.58%

Taxi Start (Normal Tariff)

$0.44 Rp 7,877

$9.93 $9.93

-95.57%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,584

$1.90 $1.90

-77.89%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$59.4 $59.4

-90.83%

Gasoline (1 liter)

$0.84 Rp 15.1K

$0.89 $0.89

-5.62%

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

$24.3K Rp 434.9M

$36.2K $36.2K

-32.84%

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

$31.9K Rp 570.1M

$25.0K $25.0K

27.48%

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

$80.8 Rp 1.4M

$175 $175

-53.93%

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

$6.58 Rp 117.6K

$40.53 $40.53

-83.77%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$54.7 $54.7

-66.67%

Gym Membership (Monthly)

$55.1 Rp 985.6K

$27.96 $27.96

97.17%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.0K

Cinema Ticket

$4.24 Rp 75.9K

$9.07 $9.07

-53.25%

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

$486 Rp 8.7M

$747 $747

-34.97%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$18.2K $18.2K

-68.77%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.8K

$47.91 $47.91

-5.70%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 618.1K

$38.27 $38.27

-9.67%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$85.3 $85.3

-7.21%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$95.4 $95.4

-18.65%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$1,244 $1,244

-9.41%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$1,328 $1,328

-49.24%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$1,541 $1,541

134.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,374 $1,374

26.25%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$1,970 $1,970

43.63%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,955 $1,955

17.98%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,156 $3,156

-94.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.49

112.33%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Waco, TX: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Waco, TX

$1.3K 55% 97% $654

Groceries & Markets

Ubud, Bali

$290 21.4%

Waco, TX

$312 12.9% 7.7% $22

Eating Out

Ubud, Bali

$108 8%

Waco, TX

$272 11.3% 151% $164

Clothing & Footwear

Ubud, Bali

$106 7.8%

Waco, TX

$120 5% 12.8% $14

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Waco, TX

$271 11.2% 156% $165

Sport & Entertainment

Ubud, Bali

$64 4.7%

Waco, TX

$46 1.9% 27.5% $18

Getting Around

Ubud, Bali

$11 0.8%

Waco, TX

$66 2.7% 526% $55

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $1,244 in Waco, TX. Housing cost is often the main lever when comparing two cities.

Waco, TX pays 1805% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $59.0 in Waco, TX for a mid-range dinner for two. Groceries echo the gap at $290 vs $312 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Waco, TX

🕒 Local time

23:46 11:46 PM

10:46 10:46 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

138,486

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 12, 2026: 1 USD = 17,879 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,037 IDR (100,000 IDR = 4.99 EUR).

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Waco, TX 15,800 km ≈ 20 h nonstop flight

From you

Ubud, Bali
Waco, TX

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 Waco, TX: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 82% lower than in Waco, TX. 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 1805% lower in Waco, TX. 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: $1,127 in Ubud, Bali versus $1,244 in Waco, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $486 in Ubud, Bali versus $747 in Waco, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 8% higher in Waco, TX. For households that cook at home regularly, that difference adds up over a month.

At $1,348 in Ubud, Bali versus $2,447 in Waco, TX, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waco, TX. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,348 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Waco, TX 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 Ubud, Bali gentler on the wallet – expenses run 82% less than in Waco, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.