Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Waterloo, Canada

Name: Waterloo
Address: Waterloo, CA

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,234 in Waterloo, rent and utilities included – about $10,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
107

Cost of Living Index in Waterloo
Learn more

Waterloo Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Waterloo

🇨🇦 Canada

$2,234

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,234 in Waterloo.

Ubud, Bali $1,349
Waterloo $2,234

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,295 in Waterloo.

Ubud, Bali $2,305
Waterloo $3,295

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,356 in Waterloo.

Ubud, Bali $3,261
Waterloo $4,356

Living in Ubud, Bali costs roughly 40% less than in Waterloo, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$17.55 CA$24.52

-81.08%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$57.2 CA$79.9

-37.70%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$10.71 CA$14.97

-48.37%

Cappuccino

$2.72 Rp 49.3K

$3.18 CA$4.45

-14.47%

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

$1.70 Rp 30.9K

$1.95 CA$2.73

-12.82%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.24 CA$1.73

-38.71%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$5.13 CA$7.17

-48.34%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$5.76 CA$8.05

-23.96%

Milk (1 liter)

$1.49 Rp 27.0K

$2.04 CA$2.85

-26.96%

White Bread (500g)

$2.28 Rp 41.3K

$2.49 CA$3.48

-8.43%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.47 CA$3.44

-51.82%

Eggs

$2.04 Rp 36.9K

$2.92 CA$4.08

-30.14%

Local Cheese (1kg)

$17.70 Rp 321.1K

$11.35 CA$15.86

55.95%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$15.00 CA$20.96

-73.60%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$16.02 CA$22.38

-23.91%

Apples (1kg)

$3.66 Rp 66.3K

$3.46 CA$4.83

5.78%

Banana (1kg)

$1.52 Rp 27.5K

$1.29 CA$1.81

17.83%

Oranges (1kg)

$2.23 Rp 40.4K

$3.19 CA$4.46

-30.09%

Tomato (1kg)

$1.97 Rp 35.8K

$3.42 CA$4.78

-42.40%

Potato (1kg)

$1.85 Rp 33.5K

$1.39 CA$1.94

33.09%

Onion (1kg)

$2.42 Rp 44.0K

$1.92 CA$2.68

26.04%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.66 CA$2.32

-40.36%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.22 CA$1.71

-58.20%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$12.80 CA$17.88

-82.66%

Wine (Bottle)

$22.24 Rp 403.4K

$9.80 CA$13.69

126.94%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.61 CA$3.64

-13.41%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.69 CA$3.76

10.41%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$2.88 CA$4.03

-91.32%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$75.6 CA$106

-89.66%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$2.47 CA$3.45

-82.19%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.81 CA$2.54

-76.24%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$28.17 CA$39.36

-80.80%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.19 CA$1.67

-31.09%

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

$23.8K Rp 432.4M

$26.9K CA$37.6K

-11.38%

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

$31.7K Rp 575.9M

$20.6K CA$28.7K

54.32%

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

$79.1 Rp 1.4M

$147 CA$205

-46.04%

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

$6.45 Rp 116.9K

$27.82 CA$38.86

-76.82%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$42.76 CA$59.7

-56.55%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$33.77 CA$47.19

46.52%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$19.23 CA$26.86

-8.22%

Cinema Ticket

$4.27 Rp 77.5K

$10.90 CA$15.22

-60.83%

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

$491 Rp 8.9M

$444 CA$620

10.51%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$15.7K CA$21.9K

-63.77%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$64.4 CA$90.0

-30.72%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$32.79 CA$45.82

6.59%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$81.9 CA$114

-2.45%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$76.6 CA$107

3.67%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,443 CA$2,016

-22.03%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,141 CA$1,594

-41.15%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$2,161 CA$3,019

64.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,905 CA$2,661

-9.52%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$5,280 CA$7,377

-48.26%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$4,609 CA$6,440

-50.45%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,129 CA$4,371

-94.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.22

163.98%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Waterloo: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Waterloo

$1.1K 51.1% 69.9% $470

Groceries & Markets

Ubud, Bali

$288 21.4%

Waterloo

$346 15.5% 20.1% $58

Eating Out

Ubud, Bali

$108 8%

Waterloo

$261 11.7% 142% $153

Clothing & Footwear

Ubud, Bali

$108 8%

Waterloo

$115 5.2% 7.1% $7.6

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Waterloo

$217 9.7% 109% $113

Sport & Entertainment

Ubud, Bali

$58 4.3%

Waterloo

$56 2.5% 4.2% $2.5

Getting Around

Ubud, Bali

$11 0.9%

Waterloo

$99 4.4% 764% $87

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,443 in Waterloo. Housing cost is often the main lever when comparing two cities.

Waterloo pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $57 in Waterloo for a mid-range dinner for two. Groceries echo the gap at $288 vs $346 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇨🇦 Waterloo

🕒 Local time

15:32 3:32 PM

02:32 2:32 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

121,436

💱 Currency

Indonesian Rupiah IDR Rp

Canadian Dollar CAD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

Exchange rates and currency converter

CAD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

Canadian Dollar exchange rates as of November 2, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.56 CAD (1 CAD = 0.641 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Waterloo 15,840 km ≈ 20 h nonstop flight

From you

Ubud, Bali
Waterloo

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 Waterloo: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 40% lower than in Waterloo. 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 $1,443 in Waterloo. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $444 in Waterloo. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 20% higher in Waterloo. For households that cook at home regularly, that difference adds up over a month.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 40% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.