Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zutphen

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,468 in Zutphen, rent and utilities included – about $13,400 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
120

Cost of Living Index in Zutphen
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Zutphen Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Zutphen

🇳🇱 Netherlands

$2,468

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $2,468 in Zutphen.

Ubud, Bali $1,353
Zutphen $2,468

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $3,496 in Zutphen.

Ubud, Bali $2,297
Zutphen $3,496

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $4,525 in Zutphen.

Ubud, Bali $3,241
Zutphen $4,525

Living in Ubud, Bali costs roughly 45% less than in Zutphen, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Zutphen 82% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$19.74 €17.55

-83.64%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$45.16 €40.17

-22.76%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$12.47 €11.09

-54.29%

Cappuccino

$2.62 Rp 47.1K

$3.27 €2.91

-19.88%

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

$1.72 Rp 31.0K

$1.72 €1.53

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$3.13 €2.78

-74.12%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$8.26 €7.35

-67.92%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.56 €4.94

-21.40%

Milk (1 liter)

$1.57 Rp 28.3K

$1.30 €1.16

20.77%

White Bread (500g)

$2.19 Rp 39.5K

$2.27 €2.02

-3.52%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.48 €2.21

-52.42%

Eggs

$2.16 Rp 38.8K

$3.95 €3.51

-45.32%

Local Cheese (1kg)

$17.65 Rp 317.7K

$12.58 €11.19

40.30%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$5.44 €4.84

-30.51%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$13.19 €11.74

-9.40%

Apples (1kg)

$3.60 Rp 64.8K

$2.56 €2.28

40.63%

Banana (1kg)

$1.59 Rp 28.6K

$2.55 €2.27

-37.65%

Oranges (1kg)

$2.31 Rp 41.6K

$1.91 €1.69

20.94%

Tomato (1kg)

$1.91 Rp 34.3K

$4.34 €3.86

-55.99%

Potato (1kg)

$1.78 Rp 32.1K

$1.90 €1.69

-6.32%

Onion (1kg)

$2.33 Rp 41.9K

$2.28 €2.03

2.19%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.28 €1.14

-21.88%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.79 €0.71

-32.91%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$13.94 €12.40

-83.57%

Wine (Bottle)

$22.07 Rp 397.3K

$6.55 €5.83

236.95%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.48 €1.32

58.78%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.64 €2.35

12.88%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$3.66 €3.25

-93.72%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$86.2 €76.7

-89.67%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$4.08 €3.63

-88.48%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$3.36 €2.99

-87.20%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$28.18 €25.06

-80.59%

Gasoline (1 liter)

$0.83 Rp 14.9K

$2.42 €2.15

-65.70%

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

$23.9K Rp 429.8M

$42.1K €37.5K

-43.34%

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

$32.8K Rp 590.1M

$40.0K €35.6K

-18.07%

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

$80.0 Rp 1.4M

$296 €263

-72.97%

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

$6.56 Rp 118.1K

$17.39 €15.47

-62.28%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$49.06 €43.64

-62.09%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$40.64 €36.15

33.17%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$22.66 €20.15

-19.33%

Cinema Ticket

$4.25 Rp 76.5K

$15.34 €13.65

-72.29%

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

$493 Rp 8.9M

$1,260 €1,121

-60.90%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$11.0K €9,818

-49.29%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$82.3 €73.2

-44.60%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$38.44 €34.20

-9.05%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$113 €101

-31.24%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$126 €112

-37.82%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$1,428 €1,270

-20.76%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$1,170 €1,041

-42.51%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$2,449 €2,179

47.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,883 €1,675

-9.63%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$4,701 €4,182

-42.20%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$4,613 €4,104

-51.42%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$6,071 €5,400

-97.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.42

211.76%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Zutphen: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Zutphen

$1.2K 47.4% 73.9% $498

Groceries & Markets

Ubud, Bali

$287 21.2%

Zutphen

$274 11.1% 4.5% $13

Clothing & Footwear

Ubud, Bali

$107 7.9%

Zutphen

$162 6.6% 52.1% $55

Eating Out

Ubud, Bali

$106 7.9%

Zutphen

$306 12.4% 188% $200

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Zutphen

$362 14.7% 245% $257

Sport & Entertainment

Ubud, Bali

$63 4.6%

Zutphen

$71 2.9% 13.9% $8.7

Getting Around

Ubud, Bali

$12 0.9%

Zutphen

$122 4.9% 879% $109

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $1,428 in Zutphen. Housing cost is often the main lever when comparing two cities.

Zutphen pays 3549% 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: $35.00 in Ubud, Bali vs $45.00 in Zutphen. Groceries flip the comparison at $287 vs $274, with Zutphen cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇳🇱 Zutphen

🕒 Local time

21:57 9:57 PM

15:57 3:57 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

38,642

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zutphen 12,050 km ≈ 16 h nonstop flight

From you

Ubud, Bali
Zutphen

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 Zutphen: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 82% lower than in Zutphen. 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 3549% lower in Zutphen. 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 $1,428 in Zutphen. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $1,260 in Zutphen. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zutphen pay roughly 5% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $2,468 in Zutphen, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zutphen. 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 $1,353 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 Zutphen 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 82% less than in Zutphen. Beyond cost, consider language, visa policies, and how big the international community is in each city.