Last update: Oct 2026

Cost of Living Comparison Between Warsaw, IN and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,294 in Warsaw, IN, rent and utilities included – about $11,400 less a year. Rent and utilities account for most of the difference.

112

Cost of Living Index in Warsaw, IN
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Warsaw, IN Living Index
66

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

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Warsaw, IN

🇺🇸 United States

$2,294

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,294 in Warsaw, IN versus $1,348 in Ubud, Bali.

Warsaw, IN $2,294
Ubud, Bali $1,348

Estimated couple costs with rent: $3,296 in Warsaw, IN versus $2,312 in Ubud, Bali.

Warsaw, IN $3,296
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,297 in Warsaw, IN versus $3,276 in Ubud, Bali.

Warsaw, IN $4,297
Ubud, Bali $3,276

Living in Warsaw, IN is roughly 70% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Warsaw, IN 71% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$12.44 $12.44

$3.33 Rp 59.6K

273.57%

Three-Course Dinner for Two, Mid-Range

$47.94 $47.94

$35.42 Rp 633.3K

35.35%

Fast Food Meal (McDonalds, etc)

$9.38 $9.38

$5.76 Rp 102.9K

62.85%

Cappuccino

$4.77 $4.77

$2.63 Rp 47.0K

81.37%

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

$2.29 $2.29

$1.74 Rp 31.0K

31.61%

Water (0.33 liter bottle)

$1.56 $1.56

$0.77 Rp 13.8K

102.60%

Local Beer (0.5 liter draught)

$5.89 $5.89

$2.71 Rp 48.4K

117.34%

Imported Beer (0.33 liter bottle)

$7.56 $7.56

$4.52 Rp 80.8K

67.26%

Milk (1 liter)

$1.27 $1.27

$1.53 Rp 27.4K

-16.99%

White Bread (500g)

$1.81 $1.81

$2.20 Rp 39.2K

-17.73%

Rice (white) (1kg)

$1.80 $1.80

$1.22 Rp 21.8K

47.54%

Eggs

$4.76 $4.76

$2.14 Rp 38.2K

122.43%

Local Cheese (1kg)

$8.87 $8.87

$17.73 Rp 317.0K

-49.97%

Chicken Fillets (1kg)

$11.51 $11.51

$3.86 Rp 68.9K

198.19%

Beef Round Steak (1kg)

$12.13 $12.13

$12.03 Rp 215.0K

0.83%

Apples (1kg)

$2.13 $2.13

$3.61 Rp 64.5K

-41.00%

Banana (1kg)

$1.29 $1.29

$1.51 Rp 27.1K

-14.57%

Oranges (1kg)

$1.94 $1.94

$2.32 Rp 41.5K

-16.38%

Tomato (1kg)

$2.36 $2.36

$2.00 Rp 35.8K

18.00%

Potato (1kg)

$2.78 $2.78

$1.81 Rp 32.4K

53.59%

Onion (1kg)

$1.06 $1.06

$2.39 Rp 42.7K

-55.65%

Lettuce (1 head)

$1.65 $1.65

$0.99 Rp 17.8K

66.67%

Water (1.5 liter bottle)

$1.32 $1.32

$0.52 Rp 9,375

153.85%

Cigarettes 20 Pack (Marlboro, Camel)

$9.37 $9.37

$2.18 Rp 39.0K

329.82%

Wine (Bottle)

$10.12 $10.12

$22.98 Rp 410.8K

-55.96%

Local Beer (0.5 liter bottle)

$1.94 $1.94

$2.40 Rp 42.8K

-19.17%

Imported Beer (0.33 liter bottle)

$2.80 $2.80

$3.00 Rp 53.6K

-6.67%

One-way Ticket (Public Transport)

$2.19 $2.19

$0.24 Rp 4,256

812.50%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$3.21 $3.21

$0.44 Rp 7,877

629.55%

Taxi (Normal Tariff) (1km)

$1.12 $1.12

$0.42 Rp 7,584

166.67%

Taxi 1hour Waiting (Normal Tariff)

$20.39 $20.39

$5.45 Rp 97.4K

274.13%

Gasoline (1 liter)

$0.99 $0.99

$0.84 Rp 15.1K

17.86%

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

$35.2K $35.2K

$24.3K Rp 434.9M

44.64%

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

$23.8K $23.8K

$31.9K Rp 570.1M

-25.27%

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

$167 $167

$80.8 Rp 1.4M

106.67%

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

$19.83 $19.83

$6.58 Rp 117.6K

201.37%

Internet (50+ Mbps, Unlimited Data)

$61.7 $61.7

$18.24 Rp 326.1K

238.16%

Gym Membership (Monthly)

$41.04 $41.04

$55.1 Rp 985.6K

-25.56%

Tennis Court (1 Hour on Weekend)

$49.15 $49.15

$18.51 Rp 331.0K

165.53%

Cinema Ticket

$9.80 $9.80

$4.24 Rp 75.9K

131.13%

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

$1,005 $1,005

$486 Rp 8.7M

106.99%

International Primary School, 1 Child (Yearly)

$12.2K $12.2K

$5,676 Rp 101.5M

114.33%

Jeans (Levis 501 Or Similar)

$66.6 $66.6

$45.18 Rp 807.8K

47.30%

Summer Dress (H&M, Zara, etc)

$51.1 $51.1

$34.57 Rp 618.1K

47.67%

Sport Shoes (Adidas, Nike)

$99.0 $99.0

$79.2 Rp 1.4M

25.13%

Men's Leather Business Shoes

$121 $121

$77.6 Rp 1.4M

55.69%

1-bedroom Apartment, City Center (Monthly)

$1,571 $1,571

$1,127 Rp 20.1M

39.41%

1-bedroom Apartment, Outside City Center (Monthly)

$1,284 $1,284

$674 Rp 12.1M

90.50%

3-bedroom Apartment, City Center (Monthly)

$2,518 $2,518

$3,618 Rp 64.7M

-30.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,186 $2,186

$1,735 Rp 31.0M

26.00%

Buy Apartment in City Center (m2)

$2,735 $2,735

$2,829 Rp 50.6M

-3.32%

Buy Apartment Outside City Center (m2)

$2,455 $2,455

$2,307 Rp 41.2M

6.44%

Average Monthly Net Salary (After Tax)

$3,547 $3,547

$166 Rp 3.0M

2040.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-56.46%

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

Last update for Warsaw, IN: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Warsaw, IN

$1.3K 56%

Ubud, Bali

$674 49.6% 47.5% $610

Groceries & Markets

Warsaw, IN

$284 12.4%

Ubud, Bali

$290 21.4% 2.1% $6

Monthly Utilities & Internet

Warsaw, IN

$249 10.9%

Ubud, Bali

$106 7.8% 57.5% $143

Eating Out

Warsaw, IN

$245 10.7%

Ubud, Bali

$108 8% 55.9% $137

Clothing & Footwear

Warsaw, IN

$152 6.6%

Ubud, Bali

$106 7.8% 29.9% $45

Sport & Entertainment

Warsaw, IN

$61 2.7%

Ubud, Bali

$64 4.7% 4.9% $3

Getting Around

Warsaw, IN

$18 * 0.8%

Ubud, Bali

$11 0.8% 40.2% $7.1

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 $1,571 in Warsaw, IN and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Warsaw, IN pays 2041% 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: $48.00 in Warsaw, IN vs $35.00 in Ubud, Bali. Groceries flip the comparison at $284 vs $290, with Warsaw, IN cheaper for home cooking.

Good to know

🇺🇸 Warsaw, IN

🇮🇩 Ubud, Bali

🕒 Local time

13:28 1:28 PM

01:28 1:28 AM

12 h ahead of Warsaw, IN

🌤 Weather

👥 Population

13,082

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 12, 2026: 1 USD = 17,879 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,037 IDR (100,000 IDR = 4.99 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Warsaw, IN Ubud, Bali 15,820 km ≈ 20 h nonstop flight

From you

Warsaw, IN
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

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

Ubud, Bali wins on cost – living expenses run 70% lower than in Warsaw, IN. 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 runs 2041% higher in Warsaw, IN, 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: $1,571 in Warsaw, IN versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Warsaw, IN pay roughly 2% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,294 per month in Warsaw, IN versus $1,348 in Ubud, Bali – a 70% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,348 in Ubud, Bali versus $2,294 in Warsaw, IN, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Warsaw, IN. 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 $1,348 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Warsaw, IN 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 70% less than in Warsaw, IN. Beyond cost, consider language, visa policies, and how big the international community is in each city.