Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zakopane

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,490 in Zakopane, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Zakopane outweigh lower spending on other living expenses.

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Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
73

Cost of Living Index in Zakopane
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Zakopane Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Zakopane

🇵🇱 Poland

$1,490

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,490 in Zakopane.

Ubud, Bali $1,368
Zakopane $1,490

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $2,250 in Zakopane.

Ubud, Bali $2,314
Zakopane $2,250

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $3,010 in Zakopane.

Ubud, Bali $3,260
Zakopane $3,010

Living in Ubud, Bali costs roughly 8% less than in Zakopane, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Ubud, Bali 1% above, Zakopane 10% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$8.30 zł 32.25

-59.88%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$28.27 zł 110

24.44%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$8.30 zł 32.26

-30.12%

Cappuccino

$2.73 Rp 49.1K

$3.53 zł 13.70

-22.66%

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

$1.64 Rp 29.5K

$2.63 zł 10.21

-37.64%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$1.98 zł 7.69

-58.08%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$2.45 zł 9.51

10.20%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$4.47 zł 17.36

-3.80%

Milk (1 liter)

$1.50 Rp 27.1K

$0.98 zł 3.80

53.06%

White Bread (500g)

$2.30 Rp 41.4K

$1.20 zł 4.67

91.67%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.24 zł 4.81

-4.84%

Eggs

$2.14 Rp 38.6K

$2.35 zł 9.14

-8.94%

Local Cheese (1kg)

$17.48 Rp 314.6K

$6.61 zł 25.67

164.45%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$5.01 zł 19.47

-19.56%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$5.24 zł 20.35

133.40%

Apples (1kg)

$3.55 Rp 63.9K

$0.73 zł 2.82

386.30%

Banana (1kg)

$1.57 Rp 28.3K

$1.38 zł 5.37

13.77%

Oranges (1kg)

$2.24 Rp 40.2K

$1.42 zł 5.52

57.75%

Tomato (1kg)

$1.93 Rp 34.7K

$2.50 zł 9.73

-22.80%

Potato (1kg)

$1.88 Rp 33.9K

$0.29 zł 1.15

548.28%

Onion (1kg)

$2.29 Rp 41.3K

$0.89 zł 3.47

157.30%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.67 zł 2.59

47.76%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.59 zł 2.29

-10.17%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$4.27 zł 16.59

-46.60%

Wine (Bottle)

$23.01 Rp 414.2K

$4.67 zł 18.16

392.72%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.04 zł 4.04

125.00%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.55 zł 6.04

87.74%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.26 zł 4.89

-80.95%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$43.21 zł 168

-79.59%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.52 zł 5.90

-68.42%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.73 zł 2.85

-36.99%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$5.05 zł 19.60

7.92%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.60 zł 6.20

-45.00%

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

$24.6K Rp 442.2M

$31.0K zł 120.6K

-20.88%

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

$31.2K Rp 561.4M

$23.7K zł 92.2K

31.45%

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

$83.0 Rp 1.5M

$244 zł 949

-66.01%

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

$6.45 Rp 116.0K

$7.80 zł 30.30

-17.31%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$17.08 zł 66.3

8.72%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$8.84 zł 34.35

531.45%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$13.61 zł 52.9

33.06%

Cinema Ticket

$4.38 Rp 78.9K

$7.32 zł 28.43

-40.16%

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

$493 Rp 8.9M

$310 zł 1,205

58.99%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$2,254 zł 8,759

155.21%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$53.9 zł 210

-14.37%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$18.93 zł 73.6

86.63%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$50.3 zł 195

57.24%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$46.60 zł 181

68.22%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$727 zł 2,823

57.25%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$737 zł 2,864

-8.34%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$1,278 zł 4,966

174.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,547 zł 6,010

9.88%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$5,876 zł 22.8K

-52.62%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$5,888 zł 22.9K

-61.95%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,568 zł 6,091

-89.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.5

112.00%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Zakopane: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Zakopane

$737 49.5% 9.1% $62

Groceries & Markets

Ubud, Bali

$290 21.2%

Zakopane

$157 10.5% 45.9% $133

Eating Out

Ubud, Bali

$109 8%

Zakopane

$173 11.6% 59.2% $64

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Zakopane

$269 18.1% 149% $161

Clothing & Footwear

Ubud, Bali

$108 7.9%

Zakopane

$76 5.1% 29% $31

Sport & Entertainment

Ubud, Bali

$65 4.7%

Zakopane

$23 1.6% 63.6% $41

Getting Around

Ubud, Bali

$13 0.9%

Zakopane

$53 3.6% 326% $41

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $727 in Zakopane. Housing cost is often the main lever when comparing two cities.

Zakopane pays 853% 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 $28.00 in Zakopane for a mid-range dinner for two. Groceries echo the gap at $290 vs $157 per month, with Zakopane cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Zakopane

🕒 Local time

14:10 2:10 PM

08:10 8:10 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

26,662

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

Exchange rates and currency converter

PLN, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

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

Polish Złoty exchange rates as of October 18, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zakopane 11,110 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Zakopane

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 Zakopane: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 9% lower than in Zakopane. 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 853% lower in Zakopane. 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: $1,142 in Ubud, Bali versus $727 in Zakopane. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $310 in Zakopane. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zakopane pay roughly 85% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,368 in Ubud, Bali versus $1,490 in Zakopane, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zakopane. 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 $1,368 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 Zakopane 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 9% less than in Zakopane. Beyond cost, consider language, visa policies, and how big the international community is in each city.