Last update: Nov 2026

Cost of Living Comparison Between Waltham, MA and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $4,237 in Waltham, MA, rent and utilities included – about $34,900 less a year. Rent and utilities account for most of the difference.

202

Cost of Living Index in Waltham, MA
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Waltham, MA Living Index
64

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

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Waltham, MA

🇺🇸 United States

$4,237

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $4,237 in Waltham, MA versus $1,331 in Ubud, Bali.

Waltham, MA $4,237
Ubud, Bali $1,331

Estimated couple costs with rent: $6,480 in Waltham, MA versus $2,255 in Ubud, Bali.

Waltham, MA $6,480
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $8,722 in Waltham, MA versus $3,180 in Ubud, Bali.

Waltham, MA $8,722
Ubud, Bali $3,180

Living in Waltham, MA is roughly 218% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Waltham, MA is 213% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$25.50 $25.50

$3.38 Rp 61.1K

654.44%

Three-Course Dinner for Two, Mid-Range

$93.8 $93.8

$34.65 Rp 627.3K

170.79%

Fast Food Meal (McDonalds, etc)

$12.20 $12.20

$5.57 Rp 100.9K

119.03%

Cappuccino

$5.32 $5.32

$2.62 Rp 47.4K

103.05%

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

$2.85 $2.85

$1.54 Rp 27.9K

85.06%

Water (0.33 liter bottle)

$2.34 $2.34

$0.64 Rp 11.6K

265.62%

Local Beer (0.5 liter draught)

$5.11 $5.11

$2.67 Rp 48.3K

91.39%

Imported Beer (0.33 liter bottle)

$7.79 $7.79

$4.26 Rp 77.2K

82.86%

Milk (1 liter)

$1.08 $1.08

$1.46 Rp 26.5K

-26.03%

White Bread (500g)

$3.85 $3.85

$2.29 Rp 41.5K

68.12%

Rice (white) (1kg)

$5.37 $5.37

$1.11 Rp 20.0K

383.78%

Eggs

$4.90 $4.90

$2.10 Rp 38.0K

133.33%

Local Cheese (1kg)

$11.09 $11.09

$15.94 Rp 288.6K

-30.43%

Chicken Fillets (1kg)

$14.47 $14.47

$3.88 Rp 70.3K

272.94%

Beef Round Steak (1kg)

$17.56 $17.56

$11.40 Rp 206.4K

54.04%

Apples (1kg)

$6.57 $6.57

$3.55 Rp 64.3K

85.07%

Banana (1kg)

$1.71 $1.71

$1.54 Rp 27.8K

11.04%

Oranges (1kg)

$5.51 $5.51

$2.23 Rp 40.4K

147.09%

Tomato (1kg)

$5.64 $5.64

$1.97 Rp 35.7K

186.29%

Potato (1kg)

$4.43 $4.43

$1.86 Rp 33.6K

138.17%

Onion (1kg)

$3.99 $3.99

$2.42 Rp 43.8K

64.88%

Lettuce (1 head)

$2.40 $2.40

$1.02 Rp 18.6K

135.29%

Water (1.5 liter bottle)

$1.01 $1.01

$0.52 Rp 9,456

94.23%

Cigarettes 20 Pack (Marlboro, Camel)

$13.35 $13.35

$2.20 Rp 39.8K

506.82%

Wine (Bottle)

$13.86 $13.86

$21.79 Rp 394.4K

-36.39%

Local Beer (0.5 liter bottle)

$2.18 $2.18

$2.33 Rp 42.1K

-6.44%

Imported Beer (0.33 liter bottle)

$3.85 $3.85

$2.97 Rp 53.8K

29.63%

One-way Ticket (Public Transport)

$0.25 Rp 4,533

Public Transport Monthly Pass (Regular Price)

$59.3 $59.3

$8.17 Rp 148.0K

626.19%

Taxi Start (Normal Tariff)

$2.66 $2.66

$0.44 Rp 7,925

504.55%

Taxi (Normal Tariff) (1km)

$1.74 $1.74

$0.47 Rp 8,472

270.21%

Taxi 1hour Waiting (Normal Tariff)

$28.24 $28.24

$5.60 Rp 101.4K

404.29%

Gasoline (1 liter)

$1.07 $1.07

$0.83 Rp 15.0K

28.92%

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

$27.1K $27.1K

$24.4K Rp 442.6M

10.96%

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

$26.1K $26.1K

$31.7K Rp 573.8M

-17.71%

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

$318 $318

$77.5 Rp 1.4M

310.73%

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

$56.5 $56.5

$6.14 Rp 111.2K

820.85%

Internet (50+ Mbps, Unlimited Data)

$83.8 $83.8

$18.92 Rp 342.4K

342.86%

Gym Membership (Monthly)

$248 $248

$51.0 Rp 923.1K

386.90%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

Cinema Ticket

$14.52 $14.52

$4.38 Rp 79.3K

231.51%

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

$1,813 $1,813

$492 Rp 8.9M

268.21%

International Primary School, 1 Child (Yearly)

$43.7K $43.7K

$12.2K Rp 221.2M

257.29%

Jeans (Levis 501 Or Similar)

$55.7 $55.7

$45.16 Rp 817.6K

23.36%

Summer Dress (H&M, Zara, etc)

$38.40 $38.40

$34.89 Rp 631.6K

10.06%

Sport Shoes (Adidas, Nike)

$80.1 $80.1

$78.3 Rp 1.4M

2.23%

Men's Leather Business Shoes

$98.7 $98.7

$77.9 Rp 1.4M

26.72%

1-bedroom Apartment, City Center (Monthly)

$2,511 $2,511

$1,078 Rp 19.5M

133.02%

1-bedroom Apartment, Outside City Center (Monthly)

$2,511 $2,511

$665 Rp 12.0M

277.58%

3-bedroom Apartment, City Center (Monthly)

$5,382 $5,382

$3,510 Rp 63.5M

53.34%

3-bedroom Apartment, Outside City Center (Monthly)

$5,015 $5,015

$1,671 Rp 30.2M

200.14%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

Average Monthly Net Salary (After Tax)

$5,371 $5,371

$166 Rp 3.0M

3128.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.64

13.78

-51.81%

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

Last update for Waltham, MA: 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

Waltham, MA

$2.5K 59.3%

Ubud, Bali

$665 50% 73.5% $1.8K

Monthly Utilities & Internet

Waltham, MA

$459 10.8%

Ubud, Bali

$103 7.7% 77.6% $356

Groceries & Markets

Waltham, MA

$431 10.2%

Ubud, Bali

$279 21% 35.2% $152

Eating Out

Waltham, MA

$366 8.6%

Ubud, Bali

$106 8% 71.1% $261

Sport & Entertainment

Waltham, MA

$277 6.5%

Ubud, Bali

$60 4.5% 78.4% $218

Clothing & Footwear

Waltham, MA

$123 2.9%

Ubud, Bali

$106 8% 13.4% $16

Getting Around

Waltham, MA

$71 * 1.7%

Ubud, Bali

$12 0.9% 83.1% $59

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 $2,511 in Waltham, MA and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Waltham, MA pays about 32 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $94 in Waltham, MA vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $431 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Waltham, MA

🇮🇩 Ubud, Bali

🕒 Local time

16:34 4:34 PM

05:34 5:34 AM

13 h ahead of Waltham, MA

🌤 Weather

👥 Population

60,636

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.895 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.895 EUR).

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,231 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Highest

Between locations

Waltham, MA Ubud, Bali 16,200 km ≈ 21 h nonstop flight

From you

Waltham, MA
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

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

Ubud, Bali wins on cost – living expenses run 69% lower than in Waltham, MA. 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 Waltham, MA is about 32 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: $2,511 in Waltham, MA versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,813 in Waltham, MA 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 54% higher in Waltham, MA. For households that cook at home regularly, that difference adds up over a month.

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 work as nomad bases, but Ubud, Bali delivers better value at $1,331 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

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

Expats usually find Ubud, Bali gentler on the wallet – expenses run 69% less than in Waltham, MA. Beyond cost, consider language, visa policies, and how big the international community is in each city.