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

Monthly Cost of Living

Monthly costs for one person with rent: $2,038 in Warsaw versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $2,911 in Warsaw versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,784 in Warsaw versus $3,723 in Ubud, Bali.

Living in Warsaw is roughly 46% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Warsaw 53% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$10.66 zł 39.77

$3.57 Rp 64.5K

198.60%

Three-Course Dinner for Two, Mid-Range

$56.1 zł 209

$32.32 Rp 583.4K

73.55%

Fast Food Meal (McDonalds, etc)

$9.65 zł 35.98

$5.01 Rp 90.4K

92.61%

Cappuccino

$4.11 zł 15.34

$2.82 Rp 51.0K

45.74%

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

$2.12 zł 7.91

$1.35 Rp 24.4K

57.04%

Water (0.33 liter bottle)

$1.89 zł 7.05

$0.73 Rp 13.2K

158.90%

Local Beer (0.5 liter draught)

$4.44 zł 16.55

$2.93 Rp 53.0K

51.54%

Imported Beer (0.33 liter bottle)

$4.48 zł 16.71

$3.94 Rp 71.1K

13.71%

Milk (1 liter)

$1.20 zł 4.46

$1.78 Rp 32.1K

-32.58%

White Bread (500g)

$1.43 zł 5.33

$2.45 Rp 44.2K

-41.63%

Rice (white) (1kg)

$1.82 zł 6.80

$1.15 Rp 20.7K

58.26%

Eggs

$3.61 zł 13.46

$2.41 Rp 43.6K

49.79%

Local Cheese (1kg)

$10.25 zł 38.24

$14.33 Rp 258.7K

-28.47%

Chicken Fillets (1kg)

$7.15 zł 26.67

$4.19 Rp 75.6K

70.64%

Beef Round Steak (1kg)

$14.25 zł 53.2

$12.06 Rp 217.7K

18.16%

Apples (1kg)

$1.27 zł 4.72

$3.64 Rp 65.7K

-65.11%

Banana (1kg)

$1.85 zł 6.92

$1.57 Rp 28.3K

17.83%

Oranges (1kg)

$2.03 zł 7.57

$2.79 Rp 50.3K

-27.24%

Tomato (1kg)

$3.74 zł 13.95

$2.24 Rp 40.5K

66.96%

Potato (1kg)

$1.04 zł 3.90

$1.98 Rp 35.7K

-47.47%

Onion (1kg)

$1.19 zł 4.44

$2.28 Rp 41.1K

-47.81%

Lettuce (1 head)

$1.46 zł 5.46

$1.05 Rp 19.0K

39.05%

Water (1.5 liter bottle)

$0.71 zł 2.67

$0.79 Rp 14.2K

-10.13%

Cigarettes 20 Pack (Marlboro, Camel)

$5.45 zł 20.32

$3.19 Rp 57.6K

70.85%

Wine (Bottle)

$8.01 zł 29.86

$23.49 Rp 424.1K

-65.90%

Local Beer (0.5 liter bottle)

$1.37 zł 5.10

$2.90 Rp 52.3K

-52.76%

Imported Beer (0.33 liter bottle)

$1.88 zł 7.03

$2.76 Rp 49.7K

-31.88%

One-way Ticket (Public Transport)

$1.21 zł 4.51

$0.27 Rp 4,813

348.15%

Public Transport Monthly Pass (Regular Price)

$30.26 zł 113

$8.37 Rp 151.1K

261.53%

Taxi Start (Normal Tariff)

$2.68 zł 9.98

$0.45 Rp 8,167

495.56%

Taxi (Normal Tariff) (1km)

$1.01 zł 3.78

$0.46 Rp 8,298

119.57%

Taxi 1hour Waiting (Normal Tariff)

$13.55 zł 50.5

$6.07 Rp 109.6K

123.23%

Gasoline (1 liter)

$1.76 zł 6.58

$0.86 Rp 15.6K

104.65%

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

$33.2K zł 123.7K

$26.6K Rp 480.0M

24.71%

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

$32.7K zł 121.9K

$32.5K Rp 587.6M

0.38%

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

$351 zł 1,309

$79.0 Rp 1.4M

344.14%

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

$9.98 zł 37.22

$4.09 Rp 73.9K

144.01%

Internet (50+ Mbps, Unlimited Data)

$17.14 zł 63.9

$23.85 Rp 430.5K

-28.13%

Gym Membership (Monthly)

$43.33 zł 162

$98.8 Rp 1.8M

-56.13%

Tennis Court (1 Hour on Weekend)

$28.92 zł 108

$6.35 Rp 114.7K

355.43%

Cinema Ticket

$9.65 zł 36.01

$4.01 Rp 72.3K

140.65%

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

$589 zł 2,196

$297 Rp 5.4M

98.06%

International Primary School, 1 Child (Yearly)

$15.6K zł 58.1K

$6,602 Rp 119.2M

135.75%

Jeans (Levis 501 Or Similar)

$97.4 zł 363

$53.4 Rp 964.5K

82.31%

Summer Dress (H&M, Zara, etc)

$47.77 zł 178

$38.11 Rp 688.1K

25.35%

Sport Shoes (Adidas, Nike)

$94.3 zł 352

$88.7 Rp 1.6M

6.34%

Men's Leather Business Shoes

$109 zł 406

$76.6 Rp 1.4M

41.92%

1-bedroom Apartment, City Center (Monthly)

$1,123 zł 4,187

$1,020 Rp 18.4M

10.08%

1-bedroom Apartment, Outside City Center (Monthly)

$897 zł 3,347

$680 Rp 12.3M

31.89%

3-bedroom Apartment, City Center (Monthly)

$2,054 zł 7,661

$3,469 Rp 62.6M

-40.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,533 zł 5,719

$2,090 Rp 37.7M

-26.65%

Buy Apartment in City Center (m2)

$6,293 zł 23.5K

$2,729 Rp 49.3M

130.62%

Buy Apartment Outside City Center (m2)

$3,875 zł 14.5K

$2,295 Rp 41.4M

68.81%

Average Monthly Net Salary (After Tax)

$2,200 zł 8,207

$164 Rp 3.0M

1244.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.55

13.28

-43.15%

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

Last update for Warsaw: July 28, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,123 in Warsaw and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Warsaw pays 1244% 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: $56.0 in Warsaw vs $32.00 in Ubud, Bali. Groceries flip the comparison at $248 vs $298, with Warsaw 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 vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 46% lower than in Warsaw. 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 1244% higher in Warsaw, 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: $1,123 in Warsaw versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $589 in Warsaw versus $297 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Warsaw pay roughly 20% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,392 in Ubud, Bali versus $2,038 in Warsaw, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Warsaw. 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 $1,392 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Warsaw 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 46% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.