Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Waterloo

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,259 in Waterloo, rent and utilities included – about $10,700 less a year. Rent and utilities account for about half of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
110

Cost of Living Index in Waterloo
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Waterloo Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Waterloo

🇧🇪 Belgium

$2,259

/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: $1,368 in Ubud, Bali versus $2,259 in Waterloo.

Ubud, Bali $1,368
Waterloo $2,259

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $3,111 in Waterloo.

Ubud, Bali $2,314
Waterloo $3,111

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $3,962 in Waterloo.

Ubud, Bali $3,260
Waterloo $3,962

Living in Ubud, Bali costs roughly 39% less than in Waterloo, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Waterloo 67% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$22.30 €19.83

-85.07%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$101 €89.6

-65.08%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$14.79 €13.16

-60.78%

Cappuccino

$2.73 Rp 49.1K

$4.53 €4.03

-39.74%

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

$1.64 Rp 29.5K

$3.79 €3.37

-56.73%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$3.18 €2.83

-73.90%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$5.63 €5.00

-52.04%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$5.48 €4.87

-21.53%

Milk (1 liter)

$1.50 Rp 27.1K

$1.29 €1.15

16.28%

White Bread (500g)

$2.30 Rp 41.4K

$2.67 €2.38

-13.86%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.23 €1.99

-47.09%

Eggs

$2.14 Rp 38.6K

$3.99 €3.55

-46.37%

Local Cheese (1kg)

$17.48 Rp 314.6K

$17.65 €15.70

-0.96%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$12.25 €10.90

-67.10%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$19.60 €17.43

-37.60%

Apples (1kg)

$3.55 Rp 63.9K

$2.81 €2.50

26.33%

Banana (1kg)

$1.57 Rp 28.3K

$2.44 €2.17

-35.66%

Oranges (1kg)

$2.24 Rp 40.2K

$2.85 €2.54

-21.40%

Tomato (1kg)

$1.93 Rp 34.7K

$2.80 €2.49

-31.07%

Potato (1kg)

$1.88 Rp 33.9K

$2.17 €1.93

-13.36%

Onion (1kg)

$2.29 Rp 41.3K

$1.97 €1.75

16.24%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.33 €1.18

-25.56%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.04 €0.93

-49.04%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$12.93 €11.50

-82.37%

Wine (Bottle)

$23.01 Rp 414.2K

$8.74 €7.77

163.27%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.96 €1.75

19.39%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.40 €2.13

21.25%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$2.65 €2.36

-90.94%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$2.94 €2.61

-83.67%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$2.22 €1.98

-79.28%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$40.93 €36.41

-86.68%

Gasoline (1 liter)

$0.88 Rp 15.9K

$2.10 €1.86

-58.10%

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

$24.6K Rp 442.2M

$35.3K €31.4K

-30.32%

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

$31.2K Rp 561.4M

$33.7K €30.0K

-7.44%

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

$83.0 Rp 1.5M

$224 €199

-62.90%

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

$6.45 Rp 116.0K

$21.29 €18.94

-69.70%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$49.59 €44.11

-62.55%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$31.89 €28.37

75.04%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$20.37 €18.12

-11.09%

Cinema Ticket

$4.38 Rp 78.9K

$15.93 €14.17

-72.50%

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

$493 Rp 8.9M

$788 €701

-37.47%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$26.5K €23.6K

-78.28%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$101 €90.0

-54.37%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$45.40 €40.38

-22.18%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$110 €98.1

-28.31%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$147 €131

-46.84%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$1,061 €943

7.71%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$998 €888

-32.31%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$1,402 €1,247

149.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,014 €902

67.55%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$4,096 €3,644

-32.03%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,821 €2,509

-20.58%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$2,468 €2,195

-93.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.71

271.43%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Waterloo: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Waterloo

$998 44.2% 47.7% $323

Groceries & Markets

Ubud, Bali

$290 21.2%

Waterloo

$352 15.6% 21.2% $62

Eating Out

Ubud, Bali

$109 8%

Waterloo

$344 15.2% 216% $235

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Waterloo

$295 13% 173% $187

Clothing & Footwear

Ubud, Bali

$108 7.9%

Waterloo

$182 8.1% 69.2% $74

Sport & Entertainment

Ubud, Bali

$65 4.7%

Waterloo

$64 2.8% 1.3% $0.8

Getting Around

Ubud, Bali

$13 0.9%

Waterloo

$25 * 1.1% 96.4% $12

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 $1,142 in Ubud, Bali and $1,061 in Waterloo. Housing cost is often the main lever when comparing two cities.

Waterloo pays 1400% 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 $101 in Waterloo for a mid-range dinner for two. Groceries echo the gap at $290 vs $352 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇪 Waterloo

🕒 Local time

10:05 10:05 AM

04:05 4:05 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

29,649

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Waterloo 12,200 km ≈ 16 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 65% 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 1400% lower in Waterloo. 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: $1,142 in Ubud, Bali versus $1,061 in Waterloo. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 21% higher in Waterloo. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $2,259 in Waterloo – a 65% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,259 in Waterloo, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waterloo. 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 $1,368 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 Waterloo 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 65% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.