Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Windhoek

For one person, living is cheaper in Windhoek: $1,182 a month against $1,349 in Ubud, Bali, rent and utilities included – about $2,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
57

Cost of Living Index in Windhoek
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Windhoek Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Windhoek

🇳🇦 Namibia

$1,182

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,182 in Windhoek.

Ubud, Bali $1,349
Windhoek $1,182

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,028 in Windhoek.

Ubud, Bali $2,305
Windhoek $2,028

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,875 in Windhoek.

Ubud, Bali $3,261
Windhoek $2,875

Living in Ubud, Bali is roughly 14% more expensive than in Windhoek, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$11.47 NAD 192

-71.05%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$64.4 NAD 1,076

-44.65%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$6.05 NAD 101

-8.60%

Cappuccino

$2.72 Rp 49.3K

$2.28 NAD 38.09

19.30%

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

$1.70 Rp 30.9K

$0.86 NAD 14.42

97.67%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.92 NAD 15.42

-17.39%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.92 NAD 32.14

38.02%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$2.09 NAD 34.88

109.57%

Milk (1 liter)

$1.49 Rp 27.0K

$1.57 NAD 26.30

-5.10%

White Bread (500g)

$2.28 Rp 41.3K

$0.88 NAD 14.73

159.09%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.96 NAD 32.68

-39.29%

Eggs

$2.04 Rp 36.9K

$3.14 NAD 52.4

-35.03%

Local Cheese (1kg)

$17.70 Rp 321.1K

$9.44 NAD 158

87.50%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$6.87 NAD 115

-42.36%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$7.66 NAD 128

59.14%

Apples (1kg)

$3.66 Rp 66.3K

$2.14 NAD 35.80

71.03%

Banana (1kg)

$1.52 Rp 27.5K

$1.98 NAD 33.06

-23.23%

Oranges (1kg)

$2.23 Rp 40.4K

$1.79 NAD 29.88

24.58%

Tomato (1kg)

$1.97 Rp 35.8K

$1.99 NAD 33.19

-1.01%

Potato (1kg)

$1.85 Rp 33.5K

$1.94 NAD 32.39

-4.64%

Onion (1kg)

$2.42 Rp 44.0K

$1.80 NAD 30.01

34.44%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.96 NAD 32.78

-49.49%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.07 NAD 17.81

-52.34%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$3.35 NAD 56.0

-33.73%

Wine (Bottle)

$22.24 Rp 403.4K

$6.48 NAD 108

243.21%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.43 NAD 23.91

58.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.38 NAD 23.13

115.22%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.80 NAD 13.30

-68.75%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$48.86 NAD 816

-84.00%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.75 NAD 12.58

-41.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.94 NAD 15.73

-54.26%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$15.38 NAD 257

-64.82%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.40 NAD 23.37

-41.43%

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

$23.8K Rp 432.4M

$24.6K NAD 410.2K

-2.91%

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

$31.7K Rp 575.9M

$31.7K NAD 529.2K

0.23%

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

$79.1 Rp 1.4M

$138 NAD 2,313

-42.90%

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

$6.45 Rp 116.9K

$26.65 NAD 445

-75.80%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$49.49 NAD 827

-62.46%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$36.77 NAD 614

34.57%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$10.40 NAD 174

69.71%

Cinema Ticket

$4.27 Rp 77.5K

$5.29 NAD 88.3

-19.28%

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

$491 Rp 8.9M

$210 NAD 3,516

133.07%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$5,340 NAD 89.2K

6.24%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$54.2 NAD 905

-17.61%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$34.80 NAD 581

0.43%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$88.4 NAD 1,476

-9.59%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$94.4 NAD 1,578

-15.90%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$502 NAD 8,384

124.13%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$358 NAD 5,986

87.40%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,456 NAD 24.3K

144.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$974 NAD 16.3K

76.84%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,617 NAD 27.0K

68.93%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$608 NAD 10.2K

275.54%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$997 NAD 16.7K

-83.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.42

20.67%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Windhoek: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Windhoek

$358 30.3% 46.6% $313

Groceries & Markets

Ubud, Bali

$288 21.4%

Windhoek

$223 18.9% 22.6% $65

Eating Out

Ubud, Bali

$108 8%

Windhoek

$158 13.4% 46.9% $51

Clothing & Footwear

Ubud, Bali

$108 8%

Windhoek

$122 10.4% 13.8% $15

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Windhoek

$215 18.2% 106% $111

Sport & Entertainment

Ubud, Bali

$58 4.3%

Windhoek

$47 4% 18.4% $11

Getting Around

Ubud, Bali

$11 0.9%

Windhoek

$58 4.9% 404% $46

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $502 in Windhoek. Housing cost is often the main lever when comparing two cities.

Windhoek pays about 6.1 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $64 in Windhoek. Groceries flip the comparison at $288 vs $223, with Windhoek cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇳🇦 Windhoek

🕒 Local time

16:31 4:31 PM

10:31 10:31 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

322,500 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Namibian Dollar NAD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 NAD = 5.99 USD

100 NAD = 5.36 EUR

Exchange rates and currency converter

NAD, 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).

Namibian Dollar exchange rates as of November 2, 2026: 1 USD = 16.71 NAD (100 NAD = 5.99 USD). 1 EUR = 18.64 NAD (100 NAD = 5.36 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Windhoek 10,480 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Windhoek

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 Windhoek: Cost of Living - Frequently Asked Questions

Windhoek wins on cost – living expenses run 12% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Windhoek the obvious pick if budget is a priority.

On paper, salaries run 84% 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 $502 in Windhoek. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $210 in Windhoek. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Windhoek 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.