Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Xaghra

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,982 in Xaghra, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
95

Cost of Living Index in Xaghra
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Xaghra Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Xaghra

🇲🇹 Malta

$1,982

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,982 in Xaghra.

Ubud, Bali $1,349
Xaghra $1,982

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,979 in Xaghra.

Ubud, Bali $2,305
Xaghra $2,979

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,975 in Xaghra.

Ubud, Bali $3,261
Xaghra $3,975

Living in Ubud, Bali costs roughly 32% less than in Xaghra, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$10.02 €8.94

-66.87%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$88.2 €78.7

-59.60%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$13.56 €12.10

-59.22%

Cappuccino

$2.72 Rp 49.3K

$3.20 €2.85

-15.00%

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

$1.70 Rp 30.9K

$2.35 €2.10

-27.66%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.91 €1.70

-60.21%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$5.57 €4.97

-52.42%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$6.73 €6.00

-34.92%

Milk (1 liter)

$1.49 Rp 27.1K

$1.36 €1.22

9.56%

White Bread (500g)

$2.28 Rp 41.3K

$1.45 €1.29

57.24%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.42 €3.05

-65.20%

Eggs

$2.04 Rp 36.9K

$1.99 €1.77

2.51%

Local Cheese (1kg)

$17.70 Rp 321.2K

$10.44 €9.31

69.54%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$12.20 €10.89

-67.54%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$18.53 €16.53

-34.21%

Apples (1kg)

$3.66 Rp 66.3K

$3.76 €3.36

-2.66%

Banana (1kg)

$1.52 Rp 27.5K

$2.69 €2.40

-43.49%

Oranges (1kg)

$2.23 Rp 40.4K

$3.80 €3.39

-41.32%

Tomato (1kg)

$1.97 Rp 35.8K

$3.84 €3.43

-48.70%

Potato (1kg)

$1.85 Rp 33.5K

$1.93 €1.72

-4.15%

Onion (1kg)

$2.42 Rp 44.0K

$3.26 €2.90

-25.77%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.18 €1.94

-54.59%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$0.92 €0.82

-44.57%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$6.31 €5.63

-64.82%

Wine (Bottle)

$22.24 Rp 403.6K

$5.91 €5.28

276.31%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.38 €2.12

-5.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.37 €2.11

25.32%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$2.56 €2.29

-90.23%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$3.93 €3.51

-88.80%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$1.83 €1.64

-76.50%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$32.05 €28.59

-83.12%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.51 €1.35

-45.70%

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

$23.8K Rp 432.6M

$28.1K €25.1K

-15.21%

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

$31.7K Rp 576.1M

$38.7K €34.5K

-18.01%

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

$79.1 Rp 1.4M

$155 €138

-48.84%

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

$6.45 Rp 117.0K

$31.20 €27.84

-79.33%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$28.88 €25.77

-35.66%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$60.6 €54.1

-18.38%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

Cinema Ticket

$4.27 Rp 77.6K

$11.28 €10.06

-62.15%

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

$491 Rp 8.9M

$277 €247

77.35%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$12.2K €10.8K

-53.33%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$56.9 €50.7

-21.51%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$67.5 €60.3

-48.25%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$112 €100

-28.83%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$133 €118

-40.09%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,120 €999

0.42%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$950 €848

-29.32%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,745 €1,557

104.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,508 €1,346

14.26%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$4,078 €3,639

-33.02%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,542 €2,268

-10.14%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.05

240.25%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Xaghra: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Xaghra

$950 47.9% 41.5% $279

Groceries & Markets

Ubud, Bali

$288 21.4%

Xaghra

$328 16.5% 13.5% $39

Eating Out

Ubud, Bali

$108 8%

Xaghra

$217 11% 102% $110

Clothing & Footwear

Ubud, Bali

$108 8%

Xaghra

$166 8.4% 54.5% $59

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Xaghra

$215 10.8% 106% $111

Sport & Entertainment

Ubud, Bali

$58 4.3%

Xaghra

$83 4.2% 43.3% $25

Getting Around

Ubud, Bali

$11 0.9%

Xaghra

$23 * 1.2% 105% $12

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,120 in Xaghra. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $88 in Xaghra for a mid-range dinner for two. Groceries echo the gap at $288 vs $328 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇲🇹 Xaghra

🕒 Local time

04:08 4:08 AM

21:08 9:08 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

4,100

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Xaghra 11,550 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Xaghra

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 Xaghra: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 32% lower than in Xaghra. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $2,023 in Ubud, Bali and $2,974 in Xaghra to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,125 in Ubud, Bali versus $1,120 in Xaghra. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 14% higher in Xaghra. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,982 in Xaghra – Ubud, Bali is about 32% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali 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.

Safety-wise, Ubud, Bali and Xaghra are both considered safe, so it’s unlikely to be the deciding factor between them.