Last update: Oct 2026

Cost of Living Comparison Between Umm Al Quwain and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,447 in Umm Al Quwain, rent and utilities included – about $1,200 less a year. The total is higher in Umm Al Quwain despite lower rent and utilities.

70

Cost of Living Index in Umm Al Quwain
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Umm Al Quwain Living Index
65

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

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Umm Al Quwain

🇦🇪 United Arab Emirates

$1,447

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Umm Al Quwain 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 Umm Al Quwain and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,447 in Umm Al Quwain versus $1,349 in Ubud, Bali.

Umm Al Quwain $1,447
Ubud, Bali $1,349

Estimated couple costs with rent: $2,034 in Umm Al Quwain versus $2,305 in Ubud, Bali.

Umm Al Quwain $2,034
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,620 in Umm Al Quwain versus $3,261 in Ubud, Bali.

Umm Al Quwain $2,620
Ubud, Bali $3,261

Living in Umm Al Quwain is roughly 7% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in utilities.

Meal at Budget Restaurant

$5.76 AED 21.15

$3.32 Rp 60.2K

73.49%

Three-Course Dinner for Two, Mid-Range

$26.98 AED 99.1

$35.64 Rp 645.8K

-24.30%

Fast Food Meal (McDonalds, etc)

$8.39 AED 30.80

$5.53 Rp 100.3K

51.72%

Cappuccino

$3.86 AED 14.19

$2.72 Rp 49.3K

41.91%

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

$0.86 AED 3.16

$1.70 Rp 30.8K

-49.41%

Water (0.33 liter bottle)

$0.36 AED 1.33

$0.76 Rp 13.8K

-52.63%

Local Beer (0.5 liter draught)

$11.04 AED 40.54

$2.65 Rp 48.1K

316.60%

Imported Beer (0.33 liter bottle)

$12.29 AED 45.14

$4.38 Rp 79.4K

180.59%

Milk (1 liter)

$1.86 AED 6.84

$1.49 Rp 27.0K

24.83%

White Bread (500g)

$1.36 AED 4.99

$2.28 Rp 41.2K

-40.35%

Rice (white) (1kg)

$1.46 AED 5.37

$1.19 Rp 21.6K

22.69%

Eggs

$2.11 AED 7.76

$2.04 Rp 36.9K

3.43%

Local Cheese (1kg)

$7.61 AED 27.94

$17.70 Rp 320.8K

-57.01%

Chicken Fillets (1kg)

$6.52 AED 23.94

$3.96 Rp 71.8K

64.65%

Beef Round Steak (1kg)

$9.42 AED 34.59

$12.19 Rp 220.9K

-22.72%

Apples (1kg)

$1.90 AED 6.99

$3.66 Rp 66.2K

-48.09%

Banana (1kg)

$1.39 AED 5.12

$1.52 Rp 27.5K

-8.55%

Oranges (1kg)

$1.56 AED 5.73

$2.23 Rp 40.4K

-30.04%

Tomato (1kg)

$0.98 AED 3.60

$1.97 Rp 35.7K

-50.25%

Potato (1kg)

$1.01 AED 3.71

$1.85 Rp 33.5K

-45.41%

Onion (1kg)

$1.00 AED 3.66

$2.42 Rp 43.9K

-58.68%

Lettuce (1 head)

$1.19 AED 4.38

$0.99 Rp 17.9K

20.20%

Water (1.5 liter bottle)

$0.51 AED 1.87

$0.51 Rp 9,303

Cigarettes 20 Pack (Marlboro, Camel)

$6.16 AED 22.63

$2.22 Rp 40.3K

177.48%

Wine (Bottle)

$10.95 AED 40.20

$22.24 Rp 403.0K

-50.76%

Local Beer (0.5 liter bottle)

$1.68 AED 6.17

$2.26 Rp 41.0K

-25.66%

Imported Beer (0.33 liter bottle)

$2.31 AED 8.49

$2.97 Rp 53.8K

-22.22%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$3.28 AED 12.06

$0.44 Rp 7,964

645.45%

Taxi (Normal Tariff) (1km)

$0.66 AED 2.42

$0.43 Rp 7,793

53.49%

Taxi 1hour Waiting (Normal Tariff)

$8.01 AED 29.40

$5.41 Rp 98.0K

48.06%

Gasoline (1 liter)

$0.83 AED 3.06

$0.82 Rp 14.9K

1.22%

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

$25.8K AED 94.6K

$23.8K Rp 432.0M

8.08%

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

$22.0K AED 80.7K

$31.7K Rp 575.3M

-30.78%

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

$150 AED 550

$79.1 Rp 1.4M

89.44%

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

$50.0 AED 184

$6.45 Rp 116.8K

675.19%

Internet (50+ Mbps, Unlimited Data)

$86.6 AED 318

$18.58 Rp 336.7K

366.04%

Gym Membership (Monthly)

$44.50 AED 163

$49.48 Rp 896.7K

-10.06%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$13.53 AED 49.69

$4.27 Rp 77.4K

216.86%

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

$491 AED 1,803

$491 Rp 8.9M

0.10%

International Primary School, 1 Child (Yearly)

$5,705 AED 21.0K

$5,674 Rp 102.8M

0.55%

Jeans (Levis 501 Or Similar)

$58.3 AED 214

$44.64 Rp 808.9K

30.62%

Summer Dress (H&M, Zara, etc)

$61.5 AED 226

$34.95 Rp 633.4K

75.88%

Sport Shoes (Adidas, Nike)

$86.5 AED 318

$79.9 Rp 1.4M

8.30%

Men's Leather Business Shoes

$95.2 AED 349

$79.4 Rp 1.4M

19.81%

1-bedroom Apartment, City Center (Monthly)

$683 AED 2,509

$1,125 Rp 20.4M

-39.26%

1-bedroom Apartment, Outside City Center (Monthly)

$534 AED 1,962

$671 Rp 12.2M

-20.43%

3-bedroom Apartment, City Center (Monthly)

$1,037 AED 3,807

$3,565 Rp 64.6M

-70.92%

3-bedroom Apartment, Outside City Center (Monthly)

$829 AED 3,045

$1,723 Rp 31.2M

-51.88%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$3,327 AED 12.2K

$164 Rp 3.0M

1930.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.75

13.78

-65.53%

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

Last update for Umm Al Quwain: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Umm Al Quwain

$534 36.9%

Ubud, Bali

$672 49.8% 25.7% $137

Monthly Utilities & Internet

Umm Al Quwain

$286 19.8%

Ubud, Bali

$104 7.7% 63.7% $182

Groceries & Markets

Umm Al Quwain

$210 14.5%

Ubud, Bali

$288 21.4% 37.4% $78

Eating Out

Umm Al Quwain

$202 14%

Ubud, Bali

$108 8% 46.8% $95

Clothing & Footwear

Umm Al Quwain

$136 9.4%

Ubud, Bali

$108 8% 20.8% $28

Sport & Entertainment

Umm Al Quwain

$72 5%

Ubud, Bali

$58 4.3% 18.9% $14

Getting Around

Umm Al Quwain

$6.6 * 0.5%

Ubud, Bali

$11 0.9% 73.8% $4.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $683 in Umm Al Quwain and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Umm Al Quwain pays about 20 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $27 in Umm Al Quwain vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $210 vs $288 per month, with Umm Al Quwain cheaper across the board.

Good to know

🇦🇪 Umm Al Quwain

🇮🇩 Ubud, Bali

🕒 Local time

17:17 5:17 PM

21:17 9:17 PM

4 h ahead of Umm Al Quwain

🌤 Weather

👥 Population

34,637

74,800

💱 Currency

UAE Dirham AED د.إ

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AED = 0.272 USD

1 AED = 0.244 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AED – UAE Dirham Converter

🇺🇸 United States Dollar ($)

🇦🇪 UAE Dirham (د.إ)

UAE Dirham exchange rates as of November 1, 2026: 1 USD = 3.67 AED (1 AED = 0.272 USD). 1 EUR = 4.1 AED (1 AED = 0.244 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to AED in detail →

On the map

Lowest

Highest

Between locations

Umm Al Quwain Ubud, Bali 7,480 km ≈ 10 h nonstop flight

From you

Umm Al Quwain
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

Umm Al Quwain vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 7% lower than in Umm Al Quwain. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Umm Al Quwain is about 20 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: $683 in Umm Al Quwain versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Umm Al Quwain pay roughly 27% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $1,447 per month in Umm Al Quwain versus $1,349 in Ubud, Bali – Ubud, Bali is about 7% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Umm Al Quwain and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Umm Al Quwain on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.