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

Monthly Cost of Living

Monthly costs for one person with rent: $1,504 in Umag versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $2,254 in Umag versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,003 in Umag versus $3,660 in Ubud, Bali.

Living in Umag is roughly 6% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Umag 12% above, Ubud, Bali 6% above.

Meal at Budget Restaurant

$11.64 €10.02

$3.56 Rp 63.7K

226.97%

Three-Course Dinner for Two, Mid-Range

$68.2 €58.7

$32.73 Rp 584.5K

108.34%

Fast Food Meal (McDonalds, etc)

$9.37 €8.06

$4.95 Rp 88.4K

89.29%

Cappuccino

$2.26 €1.94

$2.71 Rp 48.4K

-16.61%

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

$3.03 €2.60

$1.34 Rp 24.0K

126.12%

Water (0.33 liter bottle)

$2.34 €2.01

$0.70 Rp 12.5K

234.29%

Local Beer (0.5 liter draught)

$3.71 €3.19

$2.92 Rp 52.1K

27.05%

Imported Beer (0.33 liter bottle)

$4.54 €3.91

$3.96 Rp 70.7K

14.65%

Milk (1 liter)

$1.28 €1.10

$1.81 Rp 32.3K

-29.28%

White Bread (500g)

$1.93 €1.66

$2.52 Rp 45.0K

-23.41%

Rice (white) (1kg)

$2.75 €2.37

$1.16 Rp 20.7K

137.07%

Eggs

$3.81 €3.28

$2.46 Rp 43.9K

54.88%

Local Cheese (1kg)

$11.16 €9.60

$14.71 Rp 262.7K

-24.13%

Chicken Fillets (1kg)

$9.96 €8.57

$4.32 Rp 77.1K

130.56%

Beef Round Steak (1kg)

$12.50 €10.75

$12.14 Rp 216.7K

2.97%

Apples (1kg)

$1.88 €1.61

$3.84 Rp 68.6K

-51.04%

Banana (1kg)

$1.72 €1.48

$1.56 Rp 27.8K

10.26%

Oranges (1kg)

$2.06 €1.77

$2.83 Rp 50.6K

-27.21%

Tomato (1kg)

$2.98 €2.56

$2.33 Rp 41.5K

27.90%

Potato (1kg)

$1.40 €1.20

$1.91 Rp 34.2K

-26.70%

Onion (1kg)

$1.44 €1.24

$2.20 Rp 39.3K

-34.55%

Lettuce (1 head)

$1.26 €1.08

$1.01 Rp 18.1K

24.75%

Water (1.5 liter bottle)

$1.32 €1.13

$0.78 Rp 13.8K

69.23%

Cigarettes 20 Pack (Marlboro, Camel)

$5.77 €4.96

$3.32 Rp 59.2K

73.80%

Wine (Bottle)

$9.51 €8.18

$23.74 Rp 423.9K

-59.94%

Local Beer (0.5 liter bottle)

$1.77 €1.53

$2.79 Rp 49.8K

-36.56%

Imported Beer (0.33 liter bottle)

$2.30 €1.97

$2.86 Rp 51.1K

-19.58%

One-way Ticket (Public Transport)

$1.75 €1.51

$0.27 Rp 4,800

548.15%

Public Transport Monthly Pass (Regular Price)

$42.76 €36.78

$8.03 Rp 143.4K

432.50%

Taxi Start (Normal Tariff)

$2.35 €2.02

$0.46 Rp 8,150

410.87%

Taxi (Normal Tariff) (1km)

$1.06 €0.91

$0.45 Rp 8,037

135.56%

Taxi 1hour Waiting (Normal Tariff)

$10.47 €9.01

$6.10 Rp 108.9K

71.64%

Gasoline (1 liter)

$1.79 €1.54

$0.79 Rp 14.2K

126.58%

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

$34.4K €29.6K

$26.1K Rp 467.0M

31.45%

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

$26.1K €22.5K

$32.1K Rp 573.6M

-18.68%

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

$206 €177

$79.9 Rp 1.4M

157.08%

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

$19.50 €16.77

$4.06 Rp 72.6K

380.30%

Internet (50+ Mbps, Unlimited Data)

$32.40 €27.87

$23.52 Rp 420.0K

37.76%

Gym Membership (Monthly)

$51.5 €44.34

$98.7 Rp 1.8M

-47.78%

Tennis Court (1 Hour on Weekend)

$14.89 €12.81

$6.63 Rp 118.4K

124.59%

Cinema Ticket

$8.63 €7.42

$4.15 Rp 74.1K

107.95%

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

$239 €205

$304 Rp 5.4M

-21.52%

International Primary School, 1 Child (Yearly)

$13.2K €11.4K

$6,613 Rp 118.1M

99.83%

Jeans (Levis 501 Or Similar)

$99.7 €85.8

$55.5 Rp 991.8K

79.49%

Summer Dress (H&M, Zara, etc)

$39.84 €34.27

$38.31 Rp 684.1K

3.99%

Sport Shoes (Adidas, Nike)

$95.5 €82.1

$88.6 Rp 1.6M

7.74%

Men's Leather Business Shoes

$117 €100

$77.9 Rp 1.4M

49.99%

1-bedroom Apartment, City Center (Monthly)

$670 €577

$1,006 Rp 18.0M

-33.40%

1-bedroom Apartment, Outside City Center (Monthly)

$465 €400

$675 Rp 12.1M

-31.14%

3-bedroom Apartment, City Center (Monthly)

$1,059 €911

$3,442 Rp 61.5M

-69.23%

3-bedroom Apartment, Outside City Center (Monthly)

$766 €659

$2,039 Rp 36.4M

-62.45%

Buy Apartment in City Center (m2)

$4,720 €4,060

$2,841 Rp 50.7M

66.14%

Buy Apartment Outside City Center (m2)

$2,879 €2,476

$2,264 Rp 40.4M

27.16%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

13.28

-71.99%

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

Last update for Umag: June 2, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $670 in Umag and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $68.0 in Umag vs $33.00 in Ubud, Bali. Groceries flip the comparison at $282 vs $302, with Umag cheaper for home cooking.

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

Umag vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 6% lower than in Umag. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You'd need roughly $2,256 in Umag and $2,129 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $670 in Umag versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $239 in Umag versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Umag pay roughly 7% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,419 in Ubud, Bali versus $1,504 in Umag, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Umag. 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 $1,419 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Umag and Ubud, Bali 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 6% less than in Umag. Beyond cost, consider language, visa policies, and how big the international community is in each city.