Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zambia

Name: Zambia
Address: ZM

For one person, living is cheaper in Zambia: $905 a month against $1,348 in Ubud, Bali, rent and utilities included – about $5,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
44

Cost of Living Index in Zambia
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Zambia Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

🇿🇲 Zambia

$905

/mo nomad

🙂 Solo nomad: Ubud, Bali is 19.4% cheaper than Zambia without rent, and 48.9% more expensive with rent.

🙂 Family of 3: Ubud, Bali is 5.2% cheaper than Zambia without rent, and 40.9% more expensive with rent.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$6.84 ZMW 136

-51.32%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$30.13 ZMW 597

17.56%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$5.20 ZMW 103

10.77%

Cappuccino

$2.63 Rp 47.0K

$3.03 ZMW 60.1

-13.20%

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

$1.74 Rp 31.0K

$0.78 ZMW 15.38

123.08%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$0.49 ZMW 9.72

57.14%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$1.30 ZMW 25.73

108.46%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$2.53 ZMW 50.3

78.66%

Milk (1 liter)

$1.53 Rp 27.4K

$1.88 ZMW 37.25

-18.62%

White Bread (500g)

$2.20 Rp 39.2K

$1.23 ZMW 24.32

78.86%

Rice (white) (1kg)

$1.22 Rp 21.8K

$2.44 ZMW 48.42

-50.00%

Eggs

$2.14 Rp 38.2K

$1.84 ZMW 36.42

16.30%

Local Cheese (1kg)

$17.73 Rp 316.9K

$10.44 ZMW 207

69.83%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$6.54 ZMW 130

-40.98%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$6.13 ZMW 122

96.25%

Apples (1kg)

$3.61 Rp 64.5K

$3.48 ZMW 68.9

3.74%

Banana (1kg)

$1.51 Rp 27.1K

$2.14 ZMW 42.42

-29.44%

Oranges (1kg)

$2.32 Rp 41.4K

$3.51 ZMW 69.5

-33.90%

Tomato (1kg)

$2.00 Rp 35.8K

$1.57 ZMW 31.15

27.39%

Potato (1kg)

$1.81 Rp 32.4K

$2.81 ZMW 55.7

-35.59%

Onion (1kg)

$2.39 Rp 42.7K

$1.90 ZMW 37.77

25.79%

Lettuce (1 head)

$0.99 Rp 17.8K

$1.15 ZMW 22.88

-13.91%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$0.71 ZMW 14.09

-26.76%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$2.84 ZMW 56.3

-23.24%

Wine (Bottle)

$22.98 Rp 410.7K

$10.13 ZMW 201

126.85%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.41 ZMW 27.94

70.21%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$2.10 ZMW 41.62

42.86%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$0.98 ZMW 19.52

-75.51%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$50.2 ZMW 995

-86.06%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$2.57 ZMW 50.9

-82.88%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.69 ZMW 33.60

-75.15%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$8.94 ZMW 177

-39.04%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.46 ZMW 28.88

-42.47%

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

$24.3K Rp 434.8M

$6,225 ZMW 123.4K

290.80%

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

$31.9K Rp 570.0M

$38.8K ZMW 768.5K

-17.71%

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

$80.8 Rp 1.4M

$89.7 ZMW 1,778

-9.85%

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

$6.58 Rp 117.6K

$10.95 ZMW 217

-39.91%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$58.9 ZMW 1,169

-69.05%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$50.3 ZMW 998

9.58%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$16.39 ZMW 325

12.93%

Cinema Ticket

$4.24 Rp 75.9K

$6.80 ZMW 135

-37.65%

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

$486 Rp 8.7M

$142 ZMW 2,821

241.35%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$16.8K ZMW 333.1K

-66.21%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$24.56 ZMW 487

83.96%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$14.64 ZMW 290

136.13%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$59.2 ZMW 1,174

33.68%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$75.9 ZMW 1,505

2.31%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$453 ZMW 8,980

148.81%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$174 ZMW 3,443

288.32%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$1,074 ZMW 21.3K

236.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$720 ZMW 14.3K

141.03%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$3,941 ZMW 78.1K

-28.21%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$6,414 ZMW 127.2K

-64.03%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$428 ZMW 8,485

-61.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

26.25

-47.50%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Zambia: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Zambia

$174 19.2% 74.2% $501

Groceries & Markets

Ubud, Bali

$290 21.4%

Zambia

$240 26.5% 17.4% $51

Eating Out

Ubud, Bali

$108 8%

Zambia

$123 13.7% 14.1% $15

Clothing & Footwear

Ubud, Bali

$106 7.8%

Zambia

$78 8.7% 26.3% $28

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Zambia

$160 17.7% 51% $54

Sport & Entertainment

Ubud, Bali

$64 4.7%

Zambia

$64 7.1% 0.4% $0.3

Getting Around

Ubud, Bali

$11 0.8%

Zambia

$65 7.2% 520% $55

Good to know

🇮🇩 Ubud, Bali

🇿🇲 Zambia

🕒 Local time

19:52 7:52 PM

13:52 1:52 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

19,610,769

💱 Currency

Indonesian Rupiah IDR Rp

Zambian Kwacha ZMW ZK

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

100 ZMW = 5.04 USD

100 ZMW = 4.5 EUR

Exchange rates and currency converter

ZMW, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Zambian Kwacha exchange rates as of October 10, 2026: 1 USD = 19.83 ZMW (100 ZMW = 5.04 USD). 1 EUR = 22.22 ZMW (100 ZMW = 4.5 EUR).

USD to IDR in detail →

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