Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Winter Haven, FL

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,478 in Winter Haven, FL, rent and utilities included – about $13,500 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
121

Cost of Living Index in Winter Haven, FL
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Winter Haven, FL Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Winter Haven, FL

🇺🇸 United States

$2,478

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Winter Haven, FL

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 Winter Haven, FL actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,478 in Winter Haven, FL.

Ubud, Bali $1,353
Winter Haven, FL $2,478

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $3,641 in Winter Haven, FL.

Ubud, Bali $2,297
Winter Haven, FL $3,641

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $4,805 in Winter Haven, FL.

Ubud, Bali $3,241
Winter Haven, FL $4,805

Living in Ubud, Bali costs roughly 45% less than in Winter Haven, FL, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Winter Haven, FL 83% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$19.19 $19.19

-83.17%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$73.5 $73.5

-52.56%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$9.52 $9.52

-40.13%

Cappuccino

$2.62 Rp 47.1K

$2.97 $2.97

-11.78%

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

$1.72 Rp 31.0K

$2.14 $2.14

-19.63%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.78 $1.78

-54.49%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$5.38 $5.38

-50.74%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.64 $5.64

-22.52%

Milk (1 liter)

$1.57 Rp 28.3K

$1.00 $1.00

57.00%

White Bread (500g)

$2.19 Rp 39.5K

$3.56 $3.56

-38.48%

Rice (white) (1kg)

$1.18 Rp 21.2K

$5.82 $5.82

-79.73%

Eggs

$2.16 Rp 38.8K

$4.56 $4.56

-52.63%

Local Cheese (1kg)

$17.65 Rp 317.7K

$14.21 $14.21

24.21%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$10.31 $10.31

-63.34%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$14.48 $14.48

-17.47%

Apples (1kg)

$3.60 Rp 64.8K

$5.04 $5.04

-28.57%

Banana (1kg)

$1.59 Rp 28.6K

$1.47 $1.47

8.16%

Oranges (1kg)

$2.31 Rp 41.6K

$5.69 $5.69

-59.40%

Tomato (1kg)

$1.91 Rp 34.3K

$3.73 $3.73

-48.79%

Potato (1kg)

$1.78 Rp 32.1K

$3.95 $3.95

-54.94%

Onion (1kg)

$2.33 Rp 41.9K

$3.75 $3.75

-37.87%

Lettuce (1 head)

$1.00 Rp 18.0K

$2.47 $2.47

-59.51%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$2.22 $2.22

-76.13%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$7.75 $7.75

-70.45%

Wine (Bottle)

$22.07 Rp 397.3K

$11.11 $11.11

98.65%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.75 $1.75

34.29%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.29 $3.29

-9.42%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$3.08 $3.08

-92.53%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$49.06 $49.06

-81.86%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.46 $3.46

-86.42%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.20 $1.20

-64.17%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$29.79 $29.79

-81.64%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.79 $0.79

5.06%

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

$23.9K Rp 429.8M

$23.1K $23.1K

3.40%

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

$32.8K Rp 590.1M

$22.7K $22.7K

44.71%

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

$80.0 Rp 1.4M

$241 $241

-66.84%

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

$6.56 Rp 118.1K

$46.27 $46.27

-85.82%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$69.6 $69.6

-73.28%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$30.09 $30.09

79.86%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$15.24 $15.24

19.95%

Cinema Ticket

$4.25 Rp 76.5K

$11.12 $11.12

-61.78%

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

$493 Rp 8.9M

$592 $592

-16.75%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$10.0K $10.0K

-44.06%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$45.74 $45.74

-0.35%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$41.08 $41.08

-14.90%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$74.1 $74.1

4.87%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$74.5 $74.5

5.37%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,410 $1,410

-19.78%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,226 $1,226

-45.13%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,230 $2,230

61.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$2,071 $2,071

-17.85%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$2,092 $2,092

29.89%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,092 $2,092

7.14%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$3,459 $3,459

-95.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.57

109.74%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Winter Haven, FL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Winter Haven, FL

$1.2K 49.5% 82.2% $553

Groceries & Markets

Ubud, Bali

$287 21.2%

Winter Haven, FL

$394 15.9% 37.1% $106

Clothing & Footwear

Ubud, Bali

$107 7.9%

Winter Haven, FL

$106 4.3% 0.6% $0.6

Eating Out

Ubud, Bali

$106 7.9%

Winter Haven, FL

$272 11% 155% $165

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Winter Haven, FL

$357 14.4% 240% $252

Sport & Entertainment

Ubud, Bali

$63 4.6%

Winter Haven, FL

$52 2.1% 16.4% $10

Getting Around

Ubud, Bali

$12 0.9%

Winter Haven, FL

$71 2.9% 470% $58

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,410 in Winter Haven, FL. Housing cost is often the main lever when comparing two cities.

Winter Haven, FL pays 1979% 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 $74.0 in Winter Haven, FL for a mid-range dinner for two. Groceries echo the gap at $287 vs $394 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Winter Haven, FL

🕒 Local time

22:54 10:54 PM

10:54 10:54 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

49,219

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Winter Haven, FL 17,210 km ≈ 22 h nonstop flight

From you

Ubud, Bali
Winter Haven, FL

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 Winter Haven, FL: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 83% lower than in Winter Haven, FL. 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 1979% lower in Winter Haven, FL. 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: $1,131 in Ubud, Bali versus $1,410 in Winter Haven, FL. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $592 in Winter Haven, FL. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 37% higher in Winter Haven, FL. For households that cook at home regularly, that difference adds up over a month.

At $1,353 in Ubud, Bali versus $2,478 in Winter Haven, FL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Winter Haven, FL. 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 $1,353 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 Winter Haven, FL 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 83% less than in Winter Haven, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.