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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $782 in Xiamen.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,265 in Xiamen.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,748 in Xiamen.

Living in Ubud, Bali is roughly 84% more expensive than Xiamen, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Xiamen is 42% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$2.73 ¥18.73

30.77%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$23.25 ¥159

40.13%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$5.43 ¥37.21

-6.63%

Cappuccino

$2.83 Rp 49.0K

$2.84 ¥19.44

-0.35%

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

$1.34 Rp 23.2K

$0.50 ¥3.43

168.00%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.29 ¥1.97

137.93%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.37 ¥9.40

118.25%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$3.38 ¥23.16

13.91%

Milk (1 liter)

$1.74 Rp 30.2K

$1.79 ¥12.24

-2.79%

White Bread (500g)

$2.54 Rp 44.0K

$2.06 ¥14.14

23.30%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.80 ¥5.50

48.75%

Eggs

$2.43 Rp 42.0K

$1.40 ¥9.56

73.57%

Local Cheese (1kg)

$14.66 Rp 254.1K

$10.99 ¥75.3

33.39%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$2.35 ¥16.11

77.87%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$11.05 ¥75.7

8.05%

Apples (1kg)

$3.69 Rp 63.9K

$2.35 ¥16.07

57.02%

Banana (1kg)

$1.61 Rp 27.8K

$1.32 ¥9.06

21.97%

Oranges (1kg)

$2.69 Rp 46.5K

$1.52 ¥10.41

76.97%

Tomato (1kg)

$2.33 Rp 40.4K

$1.84 ¥12.57

26.63%

Potato (1kg)

$1.91 Rp 33.0K

$0.91 ¥6.21

109.89%

Onion (1kg)

$2.19 Rp 37.9K

$1.72 ¥11.76

27.33%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.88 ¥6.02

20.45%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.55 ¥3.76

30.91%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$2.73 ¥18.69

14.65%

Wine (Bottle)

$23.49 Rp 407.1K

$10.95 ¥75.0

114.52%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$0.78 ¥5.35

251.28%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.65 ¥11.29

74.55%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.20 ¥1.37

45.00%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$11.13 ¥76.2

-26.59%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$1.37 ¥9.42

-67.15%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.26 ¥1.78

61.54%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$6.80 ¥46.55

-9.41%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.17 ¥8.04

-28.21%

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

$26.2K Rp 454.9M

$16.8K ¥114.8K

56.61%

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

$32.5K Rp 562.9M

$17.2K ¥118.1K

88.42%

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

$78.4 Rp 1.4M

$39.51 ¥271

98.48%

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

$3.95 Rp 68.5K

$9.98 ¥68.4

-60.42%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$9.64 ¥66.1

153.11%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$43.58 ¥299

121.52%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$9.87 ¥67.6

-35.66%

Cinema Ticket

$4.04 Rp 70.0K

$9.52 ¥65.2

-57.56%

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

$303 Rp 5.2M

$453 ¥3,104

-33.21%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$22.7K ¥155.3K

-71.24%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$43.65 ¥299

23.34%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$26.95 ¥185

40.93%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$85.4 ¥585

1.65%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$79.9 ¥547

-1.26%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$328 ¥2,249

208.34%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$252 ¥1,729

167.16%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$849 ¥5,814

299.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$514 ¥3,518

308.56%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$9,027 ¥61.8K

-66.94%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$5,094 ¥34.9K

-54.08%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$1,134 ¥7,764

-84.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.56

273.03%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Xiamen: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $328 in Xiamen. Housing cost is often the main lever when comparing two cities.

Xiamen pays 555% 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 $23.00 in Xiamen for a mid-range dinner for two. Groceries echo the gap at $298 vs $205 per month, with Xiamen cheaper across the board.

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 Xiamen: Cost of Living - Frequently Asked Questions

Xiamen wins on cost – living expenses run 84% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Xiamen the obvious pick if budget is a priority.

On paper, Xiamen earns 555% 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: $1,012 in Ubud, Bali versus $328 in Xiamen. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $453 in Xiamen. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 45% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $782 in Xiamen versus $1,438 in Ubud, Bali, a $1,500 budget is realistic in Xiamen but tight or insufficient in Ubud, Bali. The gap between the two cities makes Xiamen the clear choice for anyone on this budget.

Both work as nomad bases, but Xiamen delivers better value – similar infrastructure at $782 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Xiamen hard to pass up.

Safety-wise, Ubud, Bali and Xiamen 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 Xiamen gentler on the wallet – expenses run 84% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.