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

Monthly Cost of Living

Monthly costs for one person with rent: $2,263 in Warsaw, IN versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $3,297 in Warsaw, IN versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,331 in Warsaw, IN versus $3,732 in Ubud, Bali.

Living in Warsaw, IN is roughly 57% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw, IN 69% above, Ubud, Bali 7% above.

Meal at Budget Restaurant

$10.10 $10.10

$3.57 Rp 61.9K

182.91%

Three-Course Dinner for Two, Mid-Range

$71.3 $71.3

$32.58 Rp 564.7K

118.91%

Fast Food Meal (McDonalds, etc)

$10.82 $10.82

$5.07 Rp 87.8K

113.41%

Cappuccino

$4.70 $4.70

$2.83 Rp 49.0K

66.08%

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

$2.54 $2.54

$1.34 Rp 23.2K

89.55%

Water (0.33 liter bottle)

$1.58 $1.58

$0.69 Rp 12.0K

128.99%

Local Beer (0.5 liter draught)

$5.04 $5.04

$2.99 Rp 51.8K

68.56%

Imported Beer (0.33 liter bottle)

$4.99 $4.99

$3.85 Rp 66.7K

29.61%

Milk (1 liter)

$0.87 $0.87

$1.74 Rp 30.2K

-50.00%

White Bread (500g)

$3.03 $3.03

$2.54 Rp 44.0K

19.29%

Rice (white) (1kg)

$1.56 $1.56

$1.19 Rp 20.6K

31.09%

Eggs

$3.34 $3.34

$2.43 Rp 42.0K

37.45%

Local Cheese (1kg)

$8.81 $8.81

$14.66 Rp 254.1K

-39.90%

Chicken Fillets (1kg)

$7.17 $7.17

$4.18 Rp 72.4K

71.53%

Beef Round Steak (1kg)

$10.76 $10.76

$11.94 Rp 206.9K

-9.88%

Apples (1kg)

$3.25 $3.25

$3.69 Rp 63.9K

-11.92%

Banana (1kg)

$0.99 $0.99

$1.61 Rp 27.8K

-38.51%

Oranges (1kg)

$2.38 $2.38

$2.69 Rp 46.5K

-11.52%

Tomato (1kg)

$2.15 $2.15

$2.33 Rp 40.4K

-7.73%

Potato (1kg)

$1.49 $1.49

$1.91 Rp 33.0K

-21.99%

Onion (1kg)

$2.46 $2.46

$2.19 Rp 37.9K

12.33%

Lettuce (1 head)

$0.96 $0.96

$1.06 Rp 18.3K

-9.43%

Water (1.5 liter bottle)

$1.05 $1.05

$0.72 Rp 12.5K

45.83%

Cigarettes 20 Pack (Marlboro, Camel)

$6.10 $6.10

$3.13 Rp 54.3K

94.89%

Wine (Bottle)

$10.02 $10.02

$23.49 Rp 407.1K

-57.34%

Local Beer (0.5 liter bottle)

$1.85 $1.85

$2.74 Rp 47.5K

-32.48%

Imported Beer (0.33 liter bottle)

$1.44 $1.44

$2.88 Rp 49.9K

-50.00%

One-way Ticket (Public Transport)

$2.05 $2.05

$0.29 Rp 5,029

606.90%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

Taxi Start (Normal Tariff)

$4.75 $4.75

$0.45 Rp 7,863

955.56%

Taxi (Normal Tariff) (1km)

$1.54 $1.54

$0.42 Rp 7,305

266.67%

Taxi 1hour Waiting (Normal Tariff)

$28.41 $28.41

$6.16 Rp 106.7K

361.20%

Gasoline (1 liter)

$0.86 $0.86

$0.84 Rp 14.6K

2.38%

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

$24.5K $24.5K

$26.2K Rp 454.9M

-6.82%

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

$24.4K $24.4K

$32.5K Rp 562.9M

-25.00%

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

$120 $120

$78.4 Rp 1.4M

52.50%

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

$45.06 $45.06

$3.95 Rp 68.5K

1040.76%

Internet (50+ Mbps, Unlimited Data)

$40.73 $40.73

$24.40 Rp 423.0K

66.93%

Gym Membership (Monthly)

$43.77 $43.77

$96.5 Rp 1.7M

-54.66%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

Cinema Ticket

$10.11 $10.11

$4.04 Rp 70.0K

150.25%

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

$967 $967

$303 Rp 5.2M

219.38%

International Primary School, 1 Child (Yearly)

$21.3K $21.3K

$6,523 Rp 113.1M

225.92%

Jeans (Levis 501 Or Similar)

$20.09 $20.09

$53.8 Rp 933.1K

-62.69%

Summer Dress (H&M, Zara, etc)

$40.67 $40.67

$37.98 Rp 658.3K

7.08%

Sport Shoes (Adidas, Nike)

$60.4 $60.4

$86.8 Rp 1.5M

-30.34%

Men's Leather Business Shoes

$138 $138

$78.9 Rp 1.4M

75.48%

1-bedroom Apartment, City Center (Monthly)

$1,617 $1,617

$1,012 Rp 17.5M

59.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,361 $1,361

$674 Rp 11.7M

101.72%

3-bedroom Apartment, City Center (Monthly)

$2,660 $2,660

$3,390 Rp 58.8M

-21.52%

3-bedroom Apartment, Outside City Center (Monthly)

$2,263 $2,263

$2,098 Rp 36.4M

7.88%

Buy Apartment in City Center (m2)

$4,343 $4,343

$2,985 Rp 51.7M

45.50%

Buy Apartment Outside City Center (m2)

$1,685 $1,685

$2,339 Rp 40.5M

-27.95%

Average Monthly Net Salary (After Tax)

$3,519 $3,519

$173 Rp 3.0M

1932.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

13.28

-50.98%

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

Last update for Warsaw, IN: April 28, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,617 in Warsaw, IN and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Warsaw, IN pays 1932% 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: $71.0 in Warsaw, IN vs $33.00 in Ubud, Bali. Groceries flip the comparison at $254 vs $298, with Warsaw, IN 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

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

Ubud, Bali wins on cost – living expenses run 57% 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.

Warsaw, IN pays 1932% more on average, 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: $1,617 in Warsaw, IN versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Warsaw, IN pay roughly 17% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,263 per month in Warsaw, IN versus $1,438 in Ubud, Bali – a 57% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,438 in Ubud, Bali versus $2,263 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 $1,438 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 57% less than in Warsaw, IN. Beyond cost, consider language, visa policies, and how big the international community is in each city.