Cost of Living Comparison Between Ubud, Bali and Windhoek Cost of Living Comparison Between Ubud, Bali and Windhoek

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,124 in Windhoek.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,850 in Windhoek.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,577 in Windhoek.

Living in Ubud, Bali is roughly 25% more expensive than in Windhoek, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Windhoek is 16% below.

Meal at Budget Restaurant

$3.45 Rp 61.8K

$10.46 NAD 172

-67.02%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 578.5K

$39.12 NAD 645

-17.33%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.7K

$5.42 NAD 89.4

-10.70%

Cappuccino

$2.75 Rp 49.1K

$1.86 NAD 30.70

47.85%

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

$1.38 Rp 24.8K

$0.91 NAD 14.94

51.65%

Water (0.33 liter bottle)

$0.75 Rp 13.4K

$0.97 NAD 15.93

-22.68%

Local Beer (0.5 liter draught)

$2.99 Rp 53.5K

$1.80 NAD 29.61

66.11%

Imported Beer (0.33 liter bottle)

$3.85 Rp 68.9K

$2.27 NAD 37.48

69.60%

Milk (1 liter)

$1.74 Rp 31.1K

$1.44 NAD 23.71

20.83%

White Bread (500g)

$2.46 Rp 44.0K

$0.82 NAD 13.52

200.00%

Rice (white) (1kg)

$1.17 Rp 20.9K

$1.65 NAD 27.23

-29.09%

Eggs

$2.43 Rp 43.5K

$2.80 NAD 46.12

-13.21%

Local Cheese (1kg)

$14.50 Rp 259.5K

$6.28 NAD 104

130.89%

Chicken Fillets (1kg)

$4.35 Rp 77.8K

$5.38 NAD 88.8

-19.14%

Beef Round Steak (1kg)

$11.98 Rp 214.3K

$6.58 NAD 108

82.07%

Apples (1kg)

$3.72 Rp 66.5K

$1.80 NAD 29.72

106.67%

Banana (1kg)

$1.63 Rp 29.1K

$1.98 NAD 32.58

-17.68%

Oranges (1kg)

$2.74 Rp 49.1K

$1.62 NAD 26.74

69.14%

Tomato (1kg)

$2.24 Rp 40.1K

$1.74 NAD 28.68

28.74%

Potato (1kg)

$1.92 Rp 34.3K

$2.00 NAD 32.92

-4.00%

Onion (1kg)

$2.28 Rp 40.7K

$1.81 NAD 29.85

25.97%

Lettuce (1 head)

$1.06 Rp 19.0K

$1.94 NAD 31.94

-45.36%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.14 NAD 18.88

-36.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.8K

$2.72 NAD 44.85

20.96%

Wine (Bottle)

$23.19 Rp 414.9K

$6.98 NAD 115

232.23%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.7K

$1.40 NAD 23.03

98.57%

Imported Beer (0.33 liter bottle)

$2.73 Rp 48.9K

$1.84 NAD 30.38

48.37%

One-way Ticket (Public Transport)

$0.27 Rp 4,765

$0.71 NAD 11.65

-61.97%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.0K

$41.09 NAD 678

-80.26%

Taxi Start (Normal Tariff)

$0.48 Rp 8,636

$0.74 NAD 12.19

-35.14%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,511

$0.67 NAD 11.03

-37.31%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.3K

$11.73 NAD 193

-46.97%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.18 NAD 19.47

-31.36%

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

$26.6K Rp 476.1M

$21.1K NAD 348.7K

25.83%

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

$32.2K Rp 575.9M

$24.4K NAD 402.3K

31.93%

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

$78.4 Rp 1.4M

$119 NAD 1,960

-34.08%

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

$4.07 Rp 72.8K

$17.50 NAD 289

-76.74%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 435.2K

$50.1 NAD 827

-51.47%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$36.62 NAD 604

169.28%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.3K

$13.31 NAD 220

-52.37%

Cinema Ticket

$3.99 Rp 71.3K

$5.23 NAD 86.2

-23.71%

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

$305 Rp 5.5M

$218 NAD 3,595

39.89%

International Primary School, 1 Child (Yearly)

$6,642 Rp 118.8M

$5,275 NAD 87.0K

25.93%

Jeans (Levis 501 Or Similar)

$54.1 Rp 968.6K

$51.3 NAD 846

5.47%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 676.3K

$26.72 NAD 441

41.50%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$86.7 NAD 1,430

0.16%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$81.2 NAD 1,338

-5.93%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.7M

$494 NAD 8,146

100.77%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.0M

$382 NAD 6,297

76.16%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.4M

$1,291 NAD 21.3K

161.45%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.7M

$921 NAD 15.2K

122.56%

Buy Apartment in City Center (m2)

$2,805 Rp 50.2M

$1,592 NAD 26.2K

76.22%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.8M

$627 NAD 10.3K

255.39%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,009 NAD 16.6K

-83.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

11.69

13.60%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Windhoek: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $494 in Windhoek. Housing cost is often the main lever when comparing two cities.

Windhoek pays 505% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $39.00 in Windhoek. Groceries flip the comparison at $297 vs $198, with Windhoek cheaper for home cooking.

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 25% 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 505% lower in Windhoek. 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: $992 in Ubud, Bali versus $494 in Windhoek. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $218 in Windhoek. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 50% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,124 in Windhoek versus $1,408 in Ubud, Bali, a $1,000 budget is realistic in Windhoek but tight or insufficient in Ubud, Bali. The gap between the two cities makes Windhoek the clear choice for anyone on this budget.

Both work as nomad bases, but Windhoek delivers better value – similar infrastructure at $1,124 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Windhoek hard to pass up.

Safety-wise, Ubud, Bali and Windhoek 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 Windhoek gentler on the wallet – expenses run 25% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.