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: $1,368 in Ubud, Bali versus $1,206 in Windhoek.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $2,057 in Windhoek.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,907 in Windhoek.

Living in Ubud, Bali is roughly 13% more expensive than in Windhoek, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Windhoek is 12% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$11.61 NAD 190

-70.37%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$62.1 NAD 1,017

-41.57%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$6.11 NAD 100

-6.55%

Cappuccino

$2.67 Rp 47.3K

$2.43 NAD 39.71

9.88%

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

$1.75 Rp 31.0K

$0.89 NAD 14.62

96.63%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.94 NAD 15.37

-7.45%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$2.05 NAD 33.51

43.90%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$2.28 NAD 37.38

98.25%

Milk (1 liter)

$1.62 Rp 28.7K

$1.64 NAD 26.93

-1.22%

White Bread (500g)

$2.33 Rp 41.3K

$0.90 NAD 14.79

158.89%

Rice (white) (1kg)

$1.11 Rp 19.6K

$2.18 NAD 35.66

-49.08%

Eggs

$2.20 Rp 39.0K

$3.11 NAD 50.8

-29.26%

Local Cheese (1kg)

$17.69 Rp 313.3K

$9.62 NAD 158

83.89%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$6.83 NAD 112

-39.97%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$7.52 NAD 123

61.97%

Apples (1kg)

$3.71 Rp 65.6K

$2.24 NAD 36.68

65.62%

Banana (1kg)

$1.59 Rp 28.1K

$1.95 NAD 32.00

-18.46%

Oranges (1kg)

$2.28 Rp 40.4K

$1.93 NAD 31.59

18.13%

Tomato (1kg)

$1.95 Rp 34.6K

$2.19 NAD 35.85

-10.96%

Potato (1kg)

$1.91 Rp 33.7K

$2.18 NAD 35.76

-12.39%

Onion (1kg)

$2.33 Rp 41.3K

$1.80 NAD 29.41

29.44%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.97 NAD 32.27

-48.73%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$1.15 NAD 18.80

-52.17%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.41 NAD 55.8

-34.60%

Wine (Bottle)

$23.07 Rp 408.6K

$7.13 NAD 117

223.56%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.45 NAD 23.74

66.90%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$1.47 NAD 24.06

104.08%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.83 NAD 13.65

-67.47%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$48.44 NAD 793

-81.46%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.84 NAD 13.73

-42.86%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.90 NAD 14.81

-52.22%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$15.77 NAD 258

-64.24%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.38 NAD 22.64

-42.03%

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

$24.9K Rp 441.7M

$24.4K NAD 399.8K

2.17%

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

$31.7K Rp 561.5M

$30.1K NAD 493.0K

5.33%

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

$81.5 Rp 1.4M

$141 NAD 2,310

-42.25%

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

$6.49 Rp 115.0K

$28.22 NAD 462

-77.00%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$48.44 NAD 793

-61.25%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$38.41 NAD 629

48.06%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$10.56 NAD 173

77.37%

Cinema Ticket

$4.54 Rp 80.4K

$5.60 NAD 91.6

-18.93%

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

$481 Rp 8.5M

$211 NAD 3,457

127.71%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$5,403 NAD 88.5K

5.70%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$57.1 NAD 936

-20.34%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$35.44 NAD 580

1.24%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$91.5 NAD 1,499

-12.18%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$101 NAD 1,652

-22.04%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$545 NAD 8,917

104.68%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$385 NAD 6,302

81.26%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$1,181 NAD 19.3K

207.92%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$963 NAD 15.8K

80.32%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$1,623 NAD 26.6K

71.54%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$619 NAD 10.1K

269.70%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$1,023 NAD 16.8K

-83.58%

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: September 14, 2026

Last update for Windhoek: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $545 in Windhoek. Housing cost is often the main lever when comparing two cities.

Windhoek pays 509% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $62.0 in Windhoek. Groceries flip the comparison at $295 vs $230, 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 13% 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 509% 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: $1,115 in Ubud, Bali versus $545 in Windhoek. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $481 in Ubud, Bali versus $211 in Windhoek. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,206 in Windhoek versus $1,368 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 $1,206 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 13% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.