Last update: Nov 2026

Cost of Living Comparison Between Umluj and Ubud, Bali

For one person, living is cheaper in Umluj: $1,230 a month against $1,331 in Ubud, Bali, rent and utilities included – about $1,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

58

Cost of Living Index in Umluj
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Umluj Living Index
64

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

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Umluj

🇸🇦 Saudi Arabia

$1,230

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Umluj and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,230 in Umluj versus $1,331 in Ubud, Bali.

Umluj $1,230
Ubud, Bali $1,331

Estimated couple costs with rent: $1,824 in Umluj versus $2,255 in Ubud, Bali.

Umluj $1,824
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $2,418 in Umluj versus $3,180 in Ubud, Bali.

Umluj $2,418
Ubud, Bali $3,180

Living in Umluj costs roughly 8% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Umluj 9% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$6.59 SAR 24.75

$3.38 Rp 61.3K

94.97%

Three-Course Dinner for Two, Mid-Range

$39.59 SAR 149

$34.65 Rp 629.1K

14.26%

Fast Food Meal (McDonalds, etc)

$8.45 SAR 31.71

$5.57 Rp 101.2K

51.71%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.68 SAR 6.30

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.54 SAR 9.55

Cappuccino

$3.45 SAR 12.96

$2.62 Rp 47.6K

31.68%

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

$0.83 SAR 3.12

$1.54 Rp 27.9K

-46.10%

Water (0.33 liter bottle)

$0.27 SAR 1.03

$0.64 Rp 11.6K

-57.81%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

Milk (1 liter)

$1.92 SAR 7.21

$1.46 Rp 26.5K

31.51%

White Bread (500g)

$1.12 SAR 4.21

$2.29 Rp 41.6K

-51.09%

Rice (white) (1kg)

$2.03 SAR 7.60

$1.11 Rp 20.1K

82.88%

Eggs

$2.48 SAR 9.30

$2.10 Rp 38.1K

18.10%

Local Cheese (1kg)

$6.36 SAR 23.88

$15.94 Rp 289.4K

-60.10%

Chicken Fillets (1kg)

$8.73 SAR 32.75

$3.88 Rp 70.5K

125.00%

Beef Round Steak (1kg)

$14.21 SAR 53.3

$11.40 Rp 207.0K

24.65%

Apples (1kg)

$2.30 SAR 8.62

$3.55 Rp 64.5K

-35.21%

Banana (1kg)

$1.96 SAR 7.35

$1.54 Rp 27.9K

27.27%

Oranges (1kg)

$1.37 SAR 5.16

$2.23 Rp 40.5K

-38.57%

Tomato (1kg)

$1.40 SAR 5.26

$1.97 Rp 35.8K

-28.93%

Potato (1kg)

$1.08 SAR 4.04

$1.86 Rp 33.7K

-41.94%

Onion (1kg)

$1.27 SAR 4.78

$2.42 Rp 43.9K

-47.52%

Lettuce (1 head)

$1.41 SAR 5.28

$1.02 Rp 18.6K

38.24%

Water (1.5 liter bottle)

$0.48 SAR 1.82

$0.52 Rp 9,483

-7.69%

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.56 SAR 9.61

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.55 SAR 5.83

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.97 SAR 7.40

Cigarettes 20 Pack (Marlboro, Camel)

$5.89 SAR 22.10

$2.20 Rp 39.9K

167.73%

Wine (Bottle)

$21.79 Rp 395.6K

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$1.19 SAR 4.48

$0.25 Rp 4,546

376.00%

Public Transport Monthly Pass (Regular Price)

$39.20 SAR 147

$8.17 Rp 148.4K

379.80%

Taxi Start (Normal Tariff)

$2.96 SAR 11.11

$0.44 Rp 7,947

572.73%

Taxi (Normal Tariff) (1km)

$1.57 SAR 5.90

$0.47 Rp 8,496

234.04%

Taxi 1hour Waiting (Normal Tariff)

$15.82 SAR 59.4

$5.60 Rp 101.7K

182.50%

Gasoline (1 liter)

$0.53 SAR 1.99

$0.83 Rp 15.0K

-36.14%

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

$33.3K SAR 125.1K

$24.4K Rp 443.8M

36.28%

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

$21.3K SAR 79.8K

$31.7K Rp 575.5M

-32.91%

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

$95.4 SAR 358

$77.5 Rp 1.4M

23.06%

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

$35.71 SAR 134

$6.14 Rp 111.6K

481.60%

Internet (50+ Mbps, Unlimited Data)

$69.3 SAR 260

$18.92 Rp 343.4K

266.17%

Gym Membership (Monthly)

$80.5 SAR 302

$51.0 Rp 925.8K

57.89%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

Cinema Ticket

$13.83 SAR 51.9

$4.38 Rp 79.6K

215.75%

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

$378 SAR 1,420

$492 Rp 8.9M

-23.18%

International Primary School, 1 Child (Yearly)

$11.6K SAR 43.4K

$12.2K Rp 221.9M

-5.39%

Jeans (Levis 501 Or Similar)

$43.21 SAR 162

$45.16 Rp 819.9K

-4.32%

Summer Dress (H&M, Zara, etc)

$62.5 SAR 234

$34.89 Rp 633.4K

79.05%

Sport Shoes (Adidas, Nike)

$92.6 SAR 348

$78.3 Rp 1.4M

18.23%

Men's Leather Business Shoes

$87.8 SAR 330

$77.9 Rp 1.4M

12.80%

1-bedroom Apartment, City Center (Monthly)

$558 SAR 2,093

$1,078 Rp 19.6M

-48.26%

1-bedroom Apartment, Outside City Center (Monthly)

$407 SAR 1,528

$665 Rp 12.1M

-38.78%

3-bedroom Apartment, City Center (Monthly)

$875 SAR 3,286

$3,510 Rp 63.7M

-75.06%

3-bedroom Apartment, Outside City Center (Monthly)

$611 SAR 2,292

$1,671 Rp 30.3M

-63.45%

Buy Apartment in City Center (m2)

$2,201 SAR 8,261

$2,340 Rp 42.5M

-5.95%

Buy Apartment Outside City Center (m2)

$1,179 SAR 4,426

$2,236 Rp 40.6M

-47.26%

Average Monthly Net Salary (After Tax)

$4,181 SAR 15.7K

$166 Rp 3.0M

2413.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.54

13.78

-59.80%

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

Last update for Umluj: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Umluj

$407 33.1%

Ubud, Bali

$665 50% 63.4% $258

Groceries & Markets

Umluj

$207 16.8%

Ubud, Bali

$279 21% 35.2% $73

Monthly Utilities & Internet

Umluj

$200 16.3%

Ubud, Bali

$103 7.7% 48.8% $98

Clothing & Footwear

Umluj

$129 10.5%

Ubud, Bali

$106 8% 17.4% $22

Eating Out

Umluj

$124 10.1%

Ubud, Bali

$106 8% 14.7% $18

Sport & Entertainment

Umluj

$108 8.8%

Ubud, Bali

$60 4.5% 44.8% $48

Getting Around

Umluj

$55 4.5%

Ubud, Bali

$12 0.9% 78.2% $43

Cost Breakdown

A one-bedroom apartment in the center runs $558 in Umluj and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Umluj pays about 25 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $40 in Umluj vs $35 in Ubud, Bali. Groceries flip the comparison at $207 vs $279, with Umluj cheaper for home cooking.

Good to know

🇸🇦 Umluj

🇮🇩 Ubud, Bali

🕒 Local time

20:28 8:28 PM

01:28 1:28 AM

5 h ahead of Umluj

🌤 Weather

👥 Population

37,757

74,800

💱 Currency

Saudi Riyal SAR ر.س

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 SAR = 0.266 USD

1 SAR = 0.238 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

Exchange rates and currency converter

IDR, USD, EUR to SAR – Saudi Riyal Converter

🇺🇸 United States Dollar ($)

🇸🇦 Saudi Riyal (ر.س)

Saudi Riyal exchange rates as of November 4, 2026: 1 USD = 3.75 SAR (1 SAR = 0.266 USD). 1 EUR = 4.21 SAR (1 SAR = 0.238 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,353 IDR (100,000 IDR = 4.91 EUR).

USD to SAR in detail →

On the map

Lowest

Highest

Between locations

Umluj Ubud, Bali 9,220 km ≈ 12 h nonstop flight

From you

Umluj
Ubud, Bali

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

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

Umluj wins on cost – living expenses run 8% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Umluj the obvious pick if budget is a priority.

Average pay in Umluj is about 25 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $558 in Umluj versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $378 in Umluj versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 35% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Either city works on $2,000 a month, though Umluj gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Umluj and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.