Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Warsaw

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,045 in Warsaw, rent and utilities included – about $8,400 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
100

Cost of Living Index in Warsaw
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Warsaw Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Warsaw

🇵🇱 Poland

$2,045

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Warsaw

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $2,045 in Warsaw.

Ubud, Bali $1,348
Warsaw $2,045

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $2,944 in Warsaw.

Ubud, Bali $2,312
Warsaw $2,944

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $3,843 in Warsaw.

Ubud, Bali $3,276
Warsaw $3,843

Living in Ubud, Bali costs roughly 34% less than in Warsaw, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Warsaw 53% above.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$11.46 zł 44.81

-70.94%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$61.2 zł 239

-42.16%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$10.40 zł 40.64

-44.62%

Cappuccino

$2.63 Rp 47.0K

$4.36 zł 17.06

-39.68%

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

$1.74 Rp 31.0K

$2.22 zł 8.67

-21.62%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$2.24 zł 8.74

-65.63%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$4.67 zł 18.27

-41.97%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$5.20 zł 20.31

-13.08%

Milk (1 liter)

$1.53 Rp 27.4K

$1.05 zł 4.11

45.71%

White Bread (500g)

$2.20 Rp 39.2K

$1.54 zł 6.01

42.86%

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.58 zł 6.16

-22.78%

Eggs

$2.14 Rp 38.2K

$3.81 zł 14.91

-43.83%

Local Cheese (1kg)

$17.73 Rp 316.9K

$8.71 zł 34.05

103.56%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$6.49 zł 25.38

-40.52%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$14.86 zł 58.1

-19.04%

Apples (1kg)

$3.61 Rp 64.5K

$1.20 zł 4.71

200.83%

Banana (1kg)

$1.51 Rp 27.1K

$1.67 zł 6.52

-9.58%

Oranges (1kg)

$2.32 Rp 41.4K

$1.64 zł 6.39

41.46%

Tomato (1kg)

$2.00 Rp 35.8K

$4.25 zł 16.61

-52.94%

Potato (1kg)

$1.81 Rp 32.4K

$0.92 zł 3.60

96.74%

Onion (1kg)

$2.39 Rp 42.7K

$0.87 zł 3.40

174.71%

Lettuce (1 head)

$0.99 Rp 17.8K

$1.48 zł 5.78

-33.11%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$0.64 zł 2.52

-18.75%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$6.37 zł 24.90

-65.78%

Wine (Bottle)

$22.98 Rp 410.7K

$6.37 zł 24.88

260.75%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.09 zł 4.26

120.18%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$1.63 zł 6.38

84.05%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$1.12 zł 4.36

-78.57%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$28.30 zł 111

-75.30%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$2.63 zł 10.26

-83.27%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.26 zł 4.93

-66.67%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$12.86 zł 50.3

-57.62%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.70 zł 6.65

-50.59%

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

$24.3K Rp 434.8M

$30.2K zł 118.2K

-19.53%

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

$31.9K Rp 570.0M

$29.7K zł 116.2K

7.22%

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

$80.8 Rp 1.4M

$352 zł 1,377

-77.05%

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

$6.58 Rp 117.6K

$9.15 zł 35.77

-28.09%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$16.14 zł 63.1

13.01%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$45.94 zł 180

20.00%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$28.38 zł 111

-34.78%

Cinema Ticket

$4.24 Rp 75.9K

$8.95 zł 34.99

-52.63%

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

$486 Rp 8.7M

$600 zł 2,343

-18.99%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$14.3K zł 55.8K

-60.23%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$112 zł 437

-59.61%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$41.03 zł 160

-15.74%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$107 zł 419

-26.13%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$110 zł 432

-29.72%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$1,177 zł 4,602

-4.31%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$977 zł 3,818

-30.99%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$2,096 zł 8,194

72.59%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,580 zł 6,176

9.79%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$5,960 zł 23.3K

-52.53%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$3,860 zł 15.1K

-40.25%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,096 zł 8,191

-92.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.62

108.16%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Warsaw: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Warsaw

$977 46.8% 44.9% $303

Groceries & Markets

Ubud, Bali

$290 21.4%

Warsaw

$234 11.2% 19.3% $56

Eating Out

Ubud, Bali

$108 8%

Warsaw

$227 10.9% 110% $119

Clothing & Footwear

Ubud, Bali

$106 7.8%

Warsaw

$167 8% 56.6% $60

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Warsaw

$378 18.1% 257% $272

Sport & Entertainment

Ubud, Bali

$64 4.7%

Warsaw

$64 3.1% 0.3% $0.2

Getting Around

Ubud, Bali

$11 0.8%

Warsaw

$42 2% 297% $31

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $1,177 in Warsaw. Housing cost is often the main lever when comparing two cities.

Warsaw pays 1165% 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 $61.0 in Warsaw. Groceries flip the comparison at $290 vs $234, with Warsaw cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Warsaw

🕒 Local time

18:30 6:30 PM

12:30 12:30 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,861,599 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

PLN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Polish Złoty exchange rates as of October 10, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.38 PLN (1 PLN = 0.228 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Warsaw 11,040 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Warsaw

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 Warsaw: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 52% lower than in Warsaw. 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 1165% lower in Warsaw. 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 $1,177 in Warsaw. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $486 in Ubud, Bali versus $600 in Warsaw. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Warsaw pay roughly 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,348 in Ubud, Bali versus $2,045 in Warsaw, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Warsaw. 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 Warsaw 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 52% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.