Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zatec

For one person, living is cheaper in Zatec: $1,232 a month against $1,353 in Ubud, Bali, rent and utilities included – about $1,500 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
60

Cost of Living Index in Zatec
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Zatec Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Zatec

🇨🇿 Czech Republic

$1,232

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,232 in Zatec.

Ubud, Bali $1,353
Zatec $1,232

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,931 in Zatec.

Ubud, Bali $2,297
Zatec $1,931

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,630 in Zatec.

Ubud, Bali $3,241
Zatec $2,630

Living in Ubud, Bali is roughly 10% more expensive than in Zatec, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Zatec is 9% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$6.77 Kč 146

-52.29%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$18.11 Kč 392

92.60%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.92 Kč 193

-36.10%

Cappuccino

$2.62 Rp 47.1K

$2.95 Kč 63.9

-11.19%

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

$1.72 Rp 31.0K

$0.71 Kč 15.31

142.25%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.88 Kč 18.98

-7.95%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$2.33 Kč 50.5

13.73%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$2.71 Kč 58.5

61.25%

Milk (1 liter)

$1.57 Rp 28.3K

$0.83 Kč 17.85

89.16%

White Bread (500g)

$2.19 Rp 39.5K

$1.33 Kč 28.76

64.66%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.24 Kč 48.54

-47.32%

Eggs

$2.16 Rp 38.8K

$2.45 Kč 53.0

-11.84%

Local Cheese (1kg)

$17.65 Rp 317.7K

$5.88 Kč 127

200.17%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.50 Kč 119

-31.27%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$7.07 Kč 153

69.02%

Apples (1kg)

$3.60 Rp 64.8K

$1.26 Kč 27.29

185.71%

Banana (1kg)

$1.59 Rp 28.6K

$1.56 Kč 33.84

1.92%

Oranges (1kg)

$2.31 Rp 41.6K

$2.06 Kč 44.60

12.14%

Tomato (1kg)

$1.91 Rp 34.3K

$3.29 Kč 71.2

-41.95%

Potato (1kg)

$1.78 Rp 32.1K

$0.94 Kč 20.25

89.36%

Onion (1kg)

$2.33 Rp 41.9K

$1.09 Kč 23.63

113.76%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.54 Kč 33.38

-35.06%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.55 Kč 11.99

-3.64%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$5.92 Kč 128

-61.32%

Wine (Bottle)

$22.07 Rp 397.3K

$5.36 Kč 116

311.75%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$0.89 Kč 19.21

164.04%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.70 Kč 36.86

75.29%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.33 Kč 7.22

-30.30%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$25.19 Kč 545

-64.67%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.79 Kč 60.4

-83.15%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.85 Kč 39.96

-76.76%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$16.44 Kč 355

-66.73%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.86 Kč 40.18

-55.38%

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

$23.9K Rp 429.8M

$31.5K Kč 680.6K

-24.13%

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

$32.8K Rp 590.1M

$30.1K Kč 651.7K

8.79%

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

$80.0 Rp 1.4M

$299 Kč 6,474

-73.28%

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

$6.56 Rp 118.1K

$22.74 Kč 492

-71.15%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$18.72 Kč 405

-0.64%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$54.6 Kč 1,181

-0.86%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$17.30 Kč 374

5.66%

Cinema Ticket

$4.25 Rp 76.5K

$12.95 Kč 280

-67.18%

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

$493 Rp 8.9M

$726 Kč 15.7K

-32.15%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$11.4K Kč 247.4K

-51.08%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$86.8 Kč 1,877

-47.49%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$36.82 Kč 796

-5.05%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$45.55 Kč 985

70.63%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$120 Kč 2,602

-34.75%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$360 Kč 7,792

214.02%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$318 Kč 6,886

111.33%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,210 Kč 26.2K

198.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$928 Kč 20.1K

83.40%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$4,620 Kč 99.9K

-41.18%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,448 Kč 74.6K

-35.00%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,146 Kč 24.8K

-85.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.67

195.07%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Zatec: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Zatec

$318 25.9% 52.7% $354

Groceries & Markets

Ubud, Bali

$287 21.2%

Zatec

$183 14.9% 36.1% $104

Clothing & Footwear

Ubud, Bali

$107 7.9%

Zatec

$130 10.6% 22.3% $24

Eating Out

Ubud, Bali

$106 7.9%

Zatec

$140 11.4% 31.4% $33

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Zatec

$341 27.7% 224% $236

Sport & Entertainment

Ubud, Bali

$63 4.6%

Zatec

$80 6.5% 28.5% $18

Getting Around

Ubud, Bali

$12 0.9%

Zatec

$39 3.1% 210% $26

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $360 in Zatec. Housing cost is often the main lever when comparing two cities.

Zatec pays 589% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $18.00 in Zatec for a mid-range dinner for two. Groceries echo the gap at $287 vs $183 per month, with Zatec cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇨🇿 Zatec

🕒 Local time

19:39 7:39 PM

13:39 1:39 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

19,522

💱 Currency

Indonesian Rupiah IDR Rp

Czech Koruna CZK Kč

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

Exchange rates and currency converter

CZK, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

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

Czech Koruna exchange rates as of October 20, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zatec 11,570 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Zatec

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 Zatec: Cost of Living - Frequently Asked Questions

Zatec wins on cost – living expenses run 10% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Zatec the obvious pick if budget is a priority.

On paper, salaries run 589% lower in Zatec. 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: $1,131 in Ubud, Bali versus $360 in Zatec. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $726 in Zatec. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 57% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,232 in Zatec versus $1,353 in Ubud, Bali, a $1,500 budget is realistic in Zatec but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zatec the clear choice for anyone on this budget.

Both work as nomad bases, but Zatec delivers better value – similar infrastructure at $1,232 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zatec hard to pass up.

Safety-wise, Ubud, Bali and Zatec 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 Zatec gentler on the wallet – expenses run 10% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.