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: $1,419 in Ubud, Bali versus $1,108 in Windhoek.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,797 in Windhoek.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $2,485 in Windhoek.

Living in Ubud, Bali is roughly 28% more expensive than Windhoek, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Windhoek is 17% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$10.55 NAD 172

-66.26%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$38.77 NAD 630

-15.58%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$5.35 NAD 87.0

-7.48%

Cappuccino

$2.71 Rp 48.4K

$1.94 NAD 31.53

39.69%

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

$1.34 Rp 24.0K

$0.96 NAD 15.57

39.58%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.95 NAD 15.37

-26.32%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$1.86 NAD 30.25

56.99%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.28 NAD 37.01

73.68%

Milk (1 liter)

$1.81 Rp 32.3K

$1.45 NAD 23.51

24.83%

White Bread (500g)

$2.52 Rp 45.0K

$0.86 NAD 13.94

193.02%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.66 NAD 27.04

-30.12%

Eggs

$2.46 Rp 43.9K

$2.80 NAD 45.47

-12.14%

Local Cheese (1kg)

$14.71 Rp 262.7K

$6.21 NAD 101

136.88%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$5.33 NAD 86.6

-18.95%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$6.79 NAD 110

78.79%

Apples (1kg)

$3.84 Rp 68.6K

$1.86 NAD 30.16

106.45%

Banana (1kg)

$1.56 Rp 27.8K

$1.90 NAD 30.84

-17.89%

Oranges (1kg)

$2.83 Rp 50.6K

$1.72 NAD 27.87

64.53%

Tomato (1kg)

$2.33 Rp 41.5K

$1.77 NAD 28.70

31.64%

Potato (1kg)

$1.91 Rp 34.2K

$2.04 NAD 33.17

-6.37%

Onion (1kg)

$2.20 Rp 39.3K

$1.81 NAD 29.47

21.55%

Lettuce (1 head)

$1.01 Rp 18.1K

$1.88 NAD 30.54

-46.28%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$1.14 NAD 18.59

-31.58%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$2.81 NAD 45.70

18.15%

Wine (Bottle)

$23.74 Rp 423.9K

$7.21 NAD 117

229.26%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.34 NAD 21.80

108.21%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$1.85 NAD 30.03

54.59%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.70 NAD 11.34

-61.43%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$40.64 NAD 661

-80.24%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$0.68 NAD 11.12

-32.35%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.73 NAD 11.89

-38.36%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$11.51 NAD 187

-47.00%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.23 NAD 19.93

-35.77%

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

$26.1K Rp 467.0M

$21.2K NAD 344.2K

23.45%

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

$32.1K Rp 573.6M

$24.0K NAD 389.7K

33.94%

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

$79.9 Rp 1.4M

$116 NAD 1,893

-31.38%

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

$4.06 Rp 72.6K

$17.47 NAD 284

-76.76%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$51.0 NAD 828

-53.84%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$37.28 NAD 606

164.75%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$13.37 NAD 217

-50.41%

Cinema Ticket

$4.15 Rp 74.1K

$5.42 NAD 88.1

-23.43%

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

$304 Rp 5.4M

$218 NAD 3,539

39.56%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$5,110 NAD 83.0K

29.41%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$51.7 NAD 840

7.49%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$26.89 NAD 437

42.47%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$89.3 NAD 1,451

-0.79%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$83.2 NAD 1,353

-6.45%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$490 NAD 7,970

105.22%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$389 NAD 6,326

73.50%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$1,257 NAD 20.4K

173.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$950 NAD 15.4K

114.63%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$1,660 NAD 27.0K

71.15%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$616 NAD 10.0K

267.53%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,037 NAD 16.8K

-84.06%

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: June 1, 2026

Last update for Windhoek: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $490 in Windhoek. Housing cost is often the main lever when comparing two cities.

Windhoek pays 527% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $39.00 in Windhoek. Groceries flip the comparison at $302 vs $199, 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 28% 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, Windhoek earns 527% less. 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: $1,006 in Ubud, Bali versus $490 in Windhoek. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 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 52% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,108 in Windhoek versus $1,419 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 $1,108 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 28% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.