Last update: Oct 2026

Cost of Living Comparison Between Warsaw and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,045 in Warsaw, rent and utilities included – about $8,400 less a year. Rent and utilities account for most of the difference.

100

Cost of Living Index in Warsaw
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Warsaw Living Index
66

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

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Warsaw

🇵🇱 Poland

$2,045

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,045 in Warsaw versus $1,348 in Ubud, Bali.

Warsaw $2,045
Ubud, Bali $1,348

Estimated couple costs with rent: $2,944 in Warsaw versus $2,312 in Ubud, Bali.

Warsaw $2,944
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $3,843 in Warsaw versus $3,276 in Ubud, Bali.

Warsaw $3,843
Ubud, Bali $3,276

Living in Warsaw is roughly 52% 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 53% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$11.46 zł 44.81

$3.33 Rp 59.6K

244.14%

Three-Course Dinner for Two, Mid-Range

$61.2 zł 239

$35.42 Rp 633.1K

72.90%

Fast Food Meal (McDonalds, etc)

$10.40 zł 40.64

$5.76 Rp 102.9K

80.56%

Cappuccino

$4.36 zł 17.06

$2.63 Rp 47.0K

65.78%

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

$2.22 zł 8.67

$1.74 Rp 31.0K

27.59%

Water (0.33 liter bottle)

$2.24 zł 8.74

$0.77 Rp 13.8K

190.91%

Local Beer (0.5 liter draught)

$4.67 zł 18.27

$2.71 Rp 48.4K

72.32%

Imported Beer (0.33 liter bottle)

$5.20 zł 20.31

$4.52 Rp 80.8K

15.04%

Milk (1 liter)

$1.05 zł 4.11

$1.53 Rp 27.4K

-31.37%

White Bread (500g)

$1.54 zł 6.01

$2.20 Rp 39.2K

-30.00%

Rice (white) (1kg)

$1.58 zł 6.16

$1.22 Rp 21.8K

29.51%

Eggs

$3.81 zł 14.91

$2.14 Rp 38.2K

78.04%

Local Cheese (1kg)

$8.71 zł 34.05

$17.73 Rp 316.9K

-50.87%

Chicken Fillets (1kg)

$6.49 zł 25.38

$3.86 Rp 68.9K

68.13%

Beef Round Steak (1kg)

$14.86 zł 58.1

$12.03 Rp 215.0K

23.52%

Apples (1kg)

$1.20 zł 4.71

$3.61 Rp 64.5K

-66.76%

Banana (1kg)

$1.67 zł 6.52

$1.51 Rp 27.1K

10.60%

Oranges (1kg)

$1.64 zł 6.39

$2.32 Rp 41.4K

-29.31%

Tomato (1kg)

$4.25 zł 16.61

$2.00 Rp 35.8K

112.50%

Potato (1kg)

$0.92 zł 3.60

$1.81 Rp 32.4K

-49.17%

Onion (1kg)

$0.87 zł 3.40

$2.39 Rp 42.7K

-63.60%

Lettuce (1 head)

$1.48 zł 5.78

$0.99 Rp 17.8K

49.49%

Water (1.5 liter bottle)

$0.64 zł 2.52

$0.52 Rp 9,373

23.08%

Cigarettes 20 Pack (Marlboro, Camel)

$6.37 zł 24.90

$2.18 Rp 39.0K

192.20%

Wine (Bottle)

$6.37 zł 24.88

$22.98 Rp 410.7K

-72.28%

Local Beer (0.5 liter bottle)

$1.09 zł 4.26

$2.40 Rp 42.8K

-54.58%

Imported Beer (0.33 liter bottle)

$1.63 zł 6.38

$3.00 Rp 53.6K

-45.67%

One-way Ticket (Public Transport)

$1.12 zł 4.36

$0.24 Rp 4,255

366.67%

Public Transport Monthly Pass (Regular Price)

$28.30 zł 111

$6.99 Rp 125.0K

304.86%

Taxi Start (Normal Tariff)

$2.63 zł 10.26

$0.44 Rp 7,876

497.73%

Taxi (Normal Tariff) (1km)

$1.26 zł 4.93

$0.42 Rp 7,582

200.00%

Taxi 1hour Waiting (Normal Tariff)

$12.86 zł 50.3

$5.45 Rp 97.4K

135.96%

Gasoline (1 liter)

$1.70 zł 6.65

$0.84 Rp 15.1K

102.38%

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

$30.2K zł 118.2K

$24.3K Rp 434.8M

24.28%

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

$29.7K zł 116.2K

$31.9K Rp 570.0M

-6.74%

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

$352 zł 1,377

$80.8 Rp 1.4M

335.80%

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

$9.15 zł 35.77

$6.58 Rp 117.6K

39.06%

Internet (50+ Mbps, Unlimited Data)

$16.14 zł 63.1

$18.24 Rp 326.1K

-11.51%

Gym Membership (Monthly)

$45.94 zł 180

$55.1 Rp 985.4K

-16.67%

Tennis Court (1 Hour on Weekend)

$28.38 zł 111

$18.51 Rp 330.9K

53.32%

Cinema Ticket

$8.95 zł 34.99

$4.24 Rp 75.9K

111.08%

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

$600 zł 2,343

$486 Rp 8.7M

23.44%

International Primary School, 1 Child (Yearly)

$14.3K zł 55.8K

$5,676 Rp 101.5M

151.47%

Jeans (Levis 501 Or Similar)

$112 zł 437

$45.18 Rp 807.6K

147.57%

Summer Dress (H&M, Zara, etc)

$41.03 zł 160

$34.57 Rp 617.9K

18.69%

Sport Shoes (Adidas, Nike)

$107 zł 419

$79.2 Rp 1.4M

35.38%

Men's Leather Business Shoes

$110 zł 432

$77.6 Rp 1.4M

42.30%

1-bedroom Apartment, City Center (Monthly)

$1,177 zł 4,602

$1,127 Rp 20.1M

4.50%

1-bedroom Apartment, Outside City Center (Monthly)

$977 zł 3,818

$674 Rp 12.1M

44.90%

3-bedroom Apartment, City Center (Monthly)

$2,096 zł 8,194

$3,618 Rp 64.7M

-42.06%

3-bedroom Apartment, Outside City Center (Monthly)

$1,580 zł 6,176

$1,735 Rp 31.0M

-8.91%

Buy Apartment in City Center (m2)

$5,960 zł 23.3K

$2,829 Rp 50.6M

110.67%

Buy Apartment Outside City Center (m2)

$3,860 zł 15.1K

$2,307 Rp 41.2M

67.36%

Average Monthly Net Salary (After Tax)

$2,096 zł 8,191

$166 Rp 3.0M

1164.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

13.78

-51.96%

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

Last update for Warsaw: October 5, 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

$977 46.8%

Ubud, Bali

$674 49.6% 31% $303

Monthly Utilities & Internet

Warsaw

$378 18.1%

Ubud, Bali

$106 7.8% 72% $272

Groceries & Markets

Warsaw

$234 11.2%

Ubud, Bali

$290 21.4% 23.9% $56

Eating Out

Warsaw

$227 10.9%

Ubud, Bali

$108 8% 52.4% $119

Clothing & Footwear

Warsaw

$167 8%

Ubud, Bali

$106 7.8% 36.2% $60

Sport & Entertainment

Warsaw

$64 3.1%

Ubud, Bali

$64 4.7% 0.3% $0.2

Getting Around

Warsaw

$42 2%

Ubud, Bali

$11 0.8% 74.8% $31

Cost Breakdown

A one-bedroom apartment in the center runs $1,177 in Warsaw and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Warsaw pays 1165% 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: $61.0 in Warsaw vs $35.00 in Ubud, Bali. Groceries flip the comparison at $234 vs $290, with Warsaw cheaper for home cooking.

Good to know

🇵🇱 Warsaw

🇮🇩 Ubud, Bali

🕒 Local time

03:47 3:47 AM

09:47 9:47 AM

6 h ahead of Warsaw

🌤 Weather

👥 Population

1,861,599 Capital

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 10, 2026: 1 USD = 3.91 PLN (1 PLN = 0.256 USD). 1 EUR = 4.38 PLN (1 PLN = 0.228 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Warsaw Ubud, Bali 11,040 km ≈ 14 h nonstop flight

From you

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

Ubud, Bali wins on cost – living expenses run 52% 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 1165% 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: $1,177 in Warsaw versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $600 in Warsaw versus $486 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 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,348 in Ubud, Bali versus $2,045 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 $1,348 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Warsaw 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 52% less than in Warsaw. Beyond cost, consider language, visa policies, and how big the international community is in each city.