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: $1,396 in Ubud, Bali versus $1,275 in Zatec.

Estimated couple costs with rent: $2,334 in Ubud, Bali versus $2,032 in Zatec.

Monthly costs for a family of three with rent: $3,273 in Ubud, Bali versus $2,790 in Zatec.

Living in Ubud, Bali is roughly 10% more expensive than in Zatec, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 2% above, Zatec is 7% below.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$7.31 Kč 152

-53.90%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$19.30 Kč 401

99.95%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$9.37 Kč 195

-41.09%

Cappuccino

$2.64 Rp 46.8K

$3.04 Kč 63.2

-13.16%

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

$1.67 Rp 29.6K

$0.73 Kč 15.21

128.77%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.97 Kč 20.17

-20.62%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

$2.42 Kč 50.2

8.68%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

$3.16 Kč 65.7

35.44%

Milk (1 liter)

$1.55 Rp 27.3K

$0.89 Kč 18.55

74.16%

White Bread (500g)

$2.22 Rp 39.3K

$1.46 Kč 30.35

52.05%

Rice (white) (1kg)

$1.13 Rp 19.9K

$2.45 Kč 50.9

-53.88%

Eggs

$2.09 Rp 36.9K

$2.61 Kč 54.3

-19.92%

Local Cheese (1kg)

$17.39 Rp 307.6K

$6.10 Kč 127

185.08%

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$5.65 Kč 117

-31.50%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$7.06 Kč 147

77.76%

Apples (1kg)

$3.62 Rp 63.9K

$1.32 Kč 27.48

174.24%

Banana (1kg)

$1.56 Rp 27.6K

$1.66 Kč 34.48

-6.02%

Oranges (1kg)

$2.35 Rp 41.6K

$2.25 Kč 46.72

4.44%

Tomato (1kg)

$2.06 Rp 36.4K

$3.51 Kč 73.0

-41.31%

Potato (1kg)

$1.90 Rp 33.6K

$0.99 Kč 20.65

91.92%

Onion (1kg)

$2.34 Rp 41.3K

$1.10 Kč 22.82

112.73%

Lettuce (1 head)

$1.03 Rp 18.2K

$1.68 Kč 34.86

-38.69%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$0.55 Kč 11.41

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$6.41 Kč 133

-64.90%

Wine (Bottle)

$23.81 Rp 421.0K

$5.67 Kč 118

319.93%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

$0.93 Kč 19.25

148.39%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

$1.74 Kč 36.07

60.92%

One-way Ticket (Public Transport)

$0.27 Rp 4,816

$0.32 Kč 6.73

-15.62%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

$27.20 Kč 565

-68.16%

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$2.93 Kč 60.9

-83.62%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$1.97 Kč 40.87

-77.16%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$17.35 Kč 361

-67.03%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.89 Kč 39.31

-59.79%

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

$24.5K Rp 433.0M

$32.8K Kč 681.1K

-25.29%

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

$32.1K Rp 568.0M

$30.7K Kč 638.9K

4.50%

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

$83.6 Rp 1.5M

$312 Kč 6,492

-73.25%

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

$6.46 Rp 114.2K

$23.42 Kč 487

-72.42%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$19.60 Kč 407

-3.11%

Gym Membership (Monthly)

$56.0 Rp 989.8K

$65.0 Kč 1,351

-13.91%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

$20.06 Kč 417

-7.18%

Cinema Ticket

$4.28 Rp 75.7K

$13.72 Kč 285

-68.80%

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

$487 Rp 8.6M

$766 Kč 15.9K

-36.53%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

$12.1K Kč 252.2K

-51.74%

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$94.2 Kč 1,958

-51.65%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$39.63 Kč 824

-8.20%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$48.61 Kč 1,010

68.61%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$127 Kč 2,644

-36.79%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$377 Kč 7,828

196.47%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$345 Kč 7,178

103.01%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$1,090 Kč 22.7K

224.39%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$1,003 Kč 20.9K

75.66%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

$5,182 Kč 107.7K

-45.46%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

$4,180 Kč 86.9K

-45.17%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$1,190 Kč 24.7K

-85.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.64

196.98%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Zatec: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,117 in Ubud, Bali and $377 in Zatec. Housing cost is often the main lever when comparing two cities.

Zatec pays 601% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $39.00 in Ubud, Bali vs $19.00 in Zatec for a mid-range dinner for two. Groceries echo the gap at $293 vs $193 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 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 601% 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: $1,117 in Ubud, Bali versus $377 in Zatec. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $487 in Ubud, Bali versus $766 in Zatec. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 52% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,275 in Zatec versus $1,396 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 $1,275 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.