Cost of Living Comparison Between Ubud, Bali and Zephyrhills, FL Cost of Living Comparison Between Ubud, Bali and Zephyrhills, FL

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $2,611 in Zephyrhills, FL.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $3,655 in Zephyrhills, FL.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $4,699 in Zephyrhills, FL.

Living in Ubud, Bali costs roughly 47% less than in Zephyrhills, FL, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Zephyrhills, FL 91% above.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$19.86 $19.86

-83.33%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$74.4 $74.4

-47.44%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$11.66 $11.66

-51.80%

Cappuccino

$2.64 Rp 46.9K

$5.20 $5.20

-49.23%

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

$1.58 Rp 28.2K

$2.62 $2.62

-39.69%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$2.04 $2.04

-65.20%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$5.89 $5.89

-53.65%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$7.20 $7.20

-40.00%

Milk (1 liter)

$1.54 Rp 27.4K

$1.18 $1.18

30.51%

White Bread (500g)

$2.30 Rp 40.8K

$2.31 $2.31

-0.43%

Rice (white) (1kg)

$1.03 Rp 18.3K

$2.67 $2.67

-61.42%

Eggs

$2.12 Rp 37.7K

$3.24 $3.24

-34.57%

Local Cheese (1kg)

$17.30 Rp 307.5K

$12.17 $12.17

42.15%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$13.06 $13.06

-69.14%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$34.22 $34.22

-63.71%

Apples (1kg)

$3.70 Rp 65.7K

$4.55 $4.55

-18.68%

Banana (1kg)

$1.62 Rp 28.7K

$1.52 $1.52

6.58%

Oranges (1kg)

$2.27 Rp 40.3K

$3.29 $3.29

-31.00%

Tomato (1kg)

$1.99 Rp 35.4K

$6.46 $6.46

-69.20%

Potato (1kg)

$1.83 Rp 32.5K

$3.44 $3.44

-46.80%

Onion (1kg)

$2.25 Rp 40.1K

$3.81 $3.81

-40.94%

Lettuce (1 head)

$1.04 Rp 18.6K

$3.82 $3.82

-72.77%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$2.24 $2.24

-75.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$9.85 $9.85

-77.46%

Wine (Bottle)

$23.22 Rp 412.7K

$15.13 $15.13

53.47%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$1.93 $1.93

23.83%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$3.44 $3.44

-16.57%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$2.04 $2.04

-87.75%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$2.97 $2.97

-84.51%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.79 $1.79

-74.30%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$28.50 $28.50

-80.00%

Gasoline (1 liter)

$0.76 Rp 13.6K

$0.87 $0.87

-12.64%

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

$24.6K Rp 436.7M

$35.4K $35.4K

-30.56%

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

$31.0K Rp 551.5M

$25.9K $25.9K

19.94%

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

$82.2 Rp 1.5M

$202 $202

-59.36%

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

$6.33 Rp 112.5K

$58.3 $58.3

-89.14%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$69.1 $69.1

-73.16%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$40.80 $40.80

37.38%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$13.80 $13.80

-69.13%

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

$489 Rp 8.7M

$1,450 $1,450

-66.27%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$23.2K $23.2K

-75.05%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$53.3 $53.3

-13.77%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$41.01 $41.01

-12.56%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$90.0 $90.0

-11.64%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$118 $118

-31.64%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$1,597 $1,597

-28.38%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$1,312 $1,312

-47.26%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$1,796 $1,796

96.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$1,770 $1,770

-3.46%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$2,745 $2,745

1.44%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$2,344 $2,344

-3.53%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$3,625 $3,625

-95.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.12

125.16%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Zephyrhills, FL: August 17, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $1,597 in Zephyrhills, FL. Housing cost is often the main lever when comparing two cities.

Zephyrhills, FL pays 2041% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $39.00 in Ubud, Bali vs $74.0 in Zephyrhills, FL for a mid-range dinner for two. Groceries echo the gap at $293 vs $447 per month, with Ubud, Bali 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 Zephyrhills, FL: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 89% lower than in Zephyrhills, FL. 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 2041% lower in Zephyrhills, FL. 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: $1,144 in Ubud, Bali versus $1,597 in Zephyrhills, FL. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Zephyrhills, FL. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,379 per month in Ubud, Bali versus $2,611 in Zephyrhills, FL – a 89% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,379 in Ubud, Bali versus $2,611 in Zephyrhills, FL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zephyrhills, FL. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,379 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Zephyrhills, FL 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 Ubud, Bali gentler on the wallet – expenses run 89% less than in Zephyrhills, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.