Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Zamosc

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,394 in Zamosc, rent and utilities included – about $760 less a year. Other living expenses account for most of the difference.

64

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
67

Cost of Living Index in Zamosc
Learn more

Zamosc Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Zamosc

🇵🇱 Poland

$1,394

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,394 in Zamosc.

Ubud, Bali $1,331
Zamosc $1,394

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $2,005 in Zamosc.

Ubud, Bali $2,255
Zamosc $2,005

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $2,616 in Zamosc.

Ubud, Bali $3,180
Zamosc $2,616

Living in Ubud, Bali costs roughly 5% less than in Zamosc, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Zamosc is 3% above.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$9.30 zł 36.77

-63.66%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$37.44 zł 148

-7.45%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$7.06 zł 27.91

-21.10%

Cappuccino

$2.62 Rp 47.5K

$2.93 zł 11.58

-10.58%

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

$1.54 Rp 27.9K

$1.87 zł 7.41

-17.65%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.49 zł 5.90

-57.05%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.38 zł 13.36

-21.01%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$3.10 zł 12.24

37.42%

Milk (1 liter)

$1.46 Rp 26.5K

$1.01 zł 4.01

44.55%

White Bread (500g)

$2.29 Rp 41.6K

$0.97 zł 3.84

136.08%

Rice (white) (1kg)

$1.11 Rp 20.1K

$2.14 zł 8.48

-48.13%

Eggs

$2.10 Rp 38.1K

$3.37 zł 13.32

-37.69%

Local Cheese (1kg)

$15.94 Rp 289.2K

$9.46 zł 37.40

68.50%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$5.24 zł 20.70

-25.95%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$14.77 zł 58.4

-22.82%

Apples (1kg)

$3.55 Rp 64.4K

$1.11 zł 4.39

219.82%

Banana (1kg)

$1.54 Rp 27.9K

$1.53 zł 6.06

0.65%

Oranges (1kg)

$2.23 Rp 40.5K

$1.44 zł 5.68

54.86%

Tomato (1kg)

$1.97 Rp 35.8K

$1.93 zł 7.63

2.07%

Potato (1kg)

$1.86 Rp 33.7K

$0.67 zł 2.63

177.61%

Onion (1kg)

$2.42 Rp 43.9K

$1.19 zł 4.71

103.36%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.74 zł 2.94

37.84%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.40 zł 1.57

30.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$4.95 zł 19.59

-55.56%

Wine (Bottle)

$21.79 Rp 395.2K

$5.14 zł 20.32

323.93%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.02 zł 4.02

128.43%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.30 zł 5.16

128.46%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$1.08 zł 4.27

-76.85%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$30.10 zł 119

-72.86%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$1.99 zł 7.86

-77.89%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.67 zł 2.65

-29.85%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$12.74 zł 50.4

-56.04%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.49 zł 5.89

-44.30%

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

$24.4K Rp 443.5M

$30.9K zł 122.0K

-20.78%

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

$31.7K Rp 575.0M

$28.2K zł 111.7K

12.20%

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

$77.5 Rp 1.4M

$254 zł 1,003

-69.44%

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

$6.14 Rp 111.5K

$8.10 zł 32.03

-24.20%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$17.90 zł 70.8

5.70%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$37.94 zł 150

34.40%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$21.68 zł 85.7

-15.82%

Cinema Ticket

$4.38 Rp 79.5K

$6.41 zł 25.35

-31.67%

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

$492 Rp 8.9M

$350 zł 1,383

40.81%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$4,256 zł 16.8K

187.17%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$97.8 zł 387

-53.84%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$36.81 zł 146

-5.22%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$84.8 zł 335

-7.61%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$88.5 zł 350

-11.98%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$598 zł 2,366

80.14%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$517 zł 2,046

28.51%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$983 zł 3,889

256.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$817 zł 3,229

104.64%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,947 zł 11.7K

-20.61%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,168 zł 8,576

3.13%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$772 zł 3,052

-78.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.07

94.91%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Zamosc: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Zamosc

$517 37.1% 22.2% $148

Groceries & Markets

Ubud, Bali

$279 21%

Zamosc

$201 14.4% 28.1% $79

Clothing & Footwear

Ubud, Bali

$106 8%

Zamosc

$139 9.9% 30.3% $32

Eating Out

Ubud, Bali

$106 8%

Zamosc

$167 12% 58.1% $61

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Zamosc

$280 20.1% 173% $177

Sport & Entertainment

Ubud, Bali

$60 4.5%

Zamosc

$51 3.6% 15.1% $9

Getting Around

Ubud, Bali

$12 0.9%

Zamosc

$40 2.9% 233% $28

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $598 in Zamosc. Housing cost is often the main lever when comparing two cities.

Zamosc pays about 4.6 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $35 in Ubud, Bali vs $37 in Zamosc. Groceries flip the comparison at $279 vs $201, with Zamosc cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇵🇱 Zamosc

🕒 Local time

04:16 4:16 AM

21:16 9:16 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

62,368

💱 Currency

Indonesian Rupiah IDR Rp

Polish Złoty PLN zł

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

1 PLN = 0.253 USD

1 PLN = 0.226 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 November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

Polish Złoty exchange rates as of November 3, 2026: 1 USD = 3.95 PLN (1 PLN = 0.253 USD). 1 EUR = 4.42 PLN (1 PLN = 0.226 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zamosc 10,880 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Zamosc

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 Zamosc: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 5% lower than in Zamosc. 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 78% lower in Ubud, Bali. 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: $1,078 in Ubud, Bali versus $598 in Zamosc. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $350 in Zamosc. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zamosc pay roughly 28% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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 Zamosc are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Zamosc on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.