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

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,271 in Zatec.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,909 in Zatec.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,546 in Zatec.

Living in Ubud, Bali is roughly 11% more expensive than in Zatec, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Zatec is 5% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$6.89 Kč 146

-49.93%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$18.94 Kč 401

70.75%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$9.24 Kč 196

-47.62%

Cappuccino

$2.75 Rp 49.4K

$3.07 Kč 65.1

-10.42%

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

$1.38 Rp 24.9K

$0.73 Kč 15.40

89.04%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.89 Kč 18.79

-15.73%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.29 Kč 48.44

30.57%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.63 Kč 55.7

46.39%

Milk (1 liter)

$1.74 Rp 31.2K

$0.82 Kč 17.32

112.20%

White Bread (500g)

$2.46 Rp 44.2K

$1.39 Kč 29.40

76.98%

Rice (white) (1kg)

$1.17 Rp 21.0K

$2.13 Kč 45.03

-45.07%

Eggs

$2.43 Rp 43.7K

$2.49 Kč 52.7

-2.41%

Local Cheese (1kg)

$14.50 Rp 260.6K

$5.68 Kč 120

155.28%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$5.56 Kč 118

-21.76%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$7.10 Kč 150

68.73%

Apples (1kg)

$3.72 Rp 66.8K

$1.34 Kč 28.40

177.61%

Banana (1kg)

$1.63 Rp 29.2K

$1.66 Kč 35.14

-1.81%

Oranges (1kg)

$2.74 Rp 49.3K

$2.11 Kč 44.68

29.86%

Tomato (1kg)

$2.24 Rp 40.3K

$3.99 Kč 84.5

-43.86%

Potato (1kg)

$1.92 Rp 34.5K

$0.90 Kč 19.02

113.33%

Onion (1kg)

$2.28 Rp 40.9K

$1.32 Kč 27.99

72.73%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.59 Kč 33.71

-33.33%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.53 Kč 11.22

35.85%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$5.97 Kč 127

-44.89%

Wine (Bottle)

$23.19 Rp 416.8K

$5.79 Kč 123

300.52%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$0.87 Kč 18.38

219.54%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.79 Kč 37.89

52.51%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.32 Kč 6.76

-15.62%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$26.10 Kč 553

-68.93%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$2.86 Kč 60.7

-83.22%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.54 Kč 32.73

-72.73%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$15.33 Kč 325

-59.43%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.73 Kč 36.70

-53.18%

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

$26.6K Rp 478.2M

$27.6K Kč 584.1K

-3.47%

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

$32.2K Rp 578.5M

$29.7K Kč 629.2K

8.40%

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

$78.4 Rp 1.4M

$303 Kč 6,429

-74.18%

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

$4.07 Rp 73.1K

$25.01 Kč 530

-83.73%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$21.07 Kč 447

15.47%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$54.0 Kč 1,145

82.51%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$16.53 Kč 350

-61.65%

Cinema Ticket

$3.99 Rp 71.6K

$11.56 Kč 245

-65.48%

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

$305 Rp 5.5M

$439 Kč 9,293

-30.45%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$14.4K Kč 304.3K

-53.76%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$88.0 Kč 1,864

-38.45%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$40.37 Kč 856

-6.34%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$47.00 Kč 996

84.77%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$113 Kč 2,402

-32.64%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$365 Kč 7,726

172.02%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$331 Kč 7,005

103.49%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$1,164 Kč 24.7K

189.99%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$882 Kč 18.7K

132.35%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$4,424 Kč 93.7K

-36.61%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$3,823 Kč 81.0K

-41.74%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,155 Kč 24.5K

-85.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.56

138.85%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Zatec: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $365 in Zatec. Housing cost is often the main lever when comparing two cities.

Zatec pays 592% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $19.00 in Zatec for a mid-range dinner for two. Groceries echo the gap at $297 vs $189 per month, with Zatec 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 Zatec: Cost of Living - Frequently Asked Questions

Zatec wins on cost – living expenses run 11% 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 592% 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: $992 in Ubud, Bali versus $365 in Zatec. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $439 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 $1,271 in Zatec versus $1,408 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 $1,271 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 11% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.