Last update: Oct 2026

Cost of Living Comparison Between Waterloo, Canada and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,234 in Waterloo, rent and utilities included – about $10,600 less a year. Rent and utilities account for most of the difference.

107

Cost of Living Index in Waterloo
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Waterloo Living Index
65

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

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Waterloo

🇨🇦 Canada

$2,234

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,234 in Waterloo versus $1,349 in Ubud, Bali.

Waterloo $2,234
Ubud, Bali $1,349

Estimated couple costs with rent: $3,295 in Waterloo versus $2,305 in Ubud, Bali.

Waterloo $3,295
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,356 in Waterloo versus $3,261 in Ubud, Bali.

Waterloo $4,356
Ubud, Bali $3,261

Living in Waterloo is roughly 66% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$17.55 CA$24.52

$3.32 Rp 60.2K

428.61%

Three-Course Dinner for Two, Mid-Range

$57.2 CA$79.9

$35.64 Rp 645.8K

60.52%

Fast Food Meal (McDonalds, etc)

$10.71 CA$14.97

$5.53 Rp 100.3K

93.67%

Cappuccino

$3.18 CA$4.45

$2.72 Rp 49.3K

16.91%

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

$1.95 CA$2.73

$1.70 Rp 30.8K

14.71%

Water (0.33 liter bottle)

$1.24 CA$1.73

$0.76 Rp 13.8K

63.16%

Local Beer (0.5 liter draught)

$5.13 CA$7.17

$2.65 Rp 48.1K

93.58%

Imported Beer (0.33 liter bottle)

$5.76 CA$8.05

$4.38 Rp 79.4K

31.51%

Milk (1 liter)

$2.04 CA$2.85

$1.49 Rp 27.0K

36.91%

White Bread (500g)

$2.49 CA$3.48

$2.28 Rp 41.2K

9.21%

Rice (white) (1kg)

$2.47 CA$3.44

$1.19 Rp 21.6K

107.56%

Eggs

$2.92 CA$4.08

$2.04 Rp 36.9K

43.14%

Local Cheese (1kg)

$11.35 CA$15.86

$17.70 Rp 320.8K

-35.88%

Chicken Fillets (1kg)

$15.00 CA$20.96

$3.96 Rp 71.8K

278.79%

Beef Round Steak (1kg)

$16.02 CA$22.39

$12.19 Rp 220.9K

31.42%

Apples (1kg)

$3.46 CA$4.83

$3.66 Rp 66.2K

-5.46%

Banana (1kg)

$1.29 CA$1.81

$1.52 Rp 27.5K

-15.13%

Oranges (1kg)

$3.19 CA$4.46

$2.23 Rp 40.4K

43.05%

Tomato (1kg)

$3.42 CA$4.78

$1.97 Rp 35.7K

73.60%

Potato (1kg)

$1.39 CA$1.94

$1.85 Rp 33.5K

-24.86%

Onion (1kg)

$1.92 CA$2.68

$2.42 Rp 43.9K

-20.66%

Lettuce (1 head)

$1.66 CA$2.32

$0.99 Rp 17.9K

67.68%

Water (1.5 liter bottle)

$1.22 CA$1.71

$0.51 Rp 9,303

139.22%

Cigarettes 20 Pack (Marlboro, Camel)

$12.80 CA$17.88

$2.22 Rp 40.3K

476.58%

Wine (Bottle)

$9.80 CA$13.69

$22.24 Rp 403.0K

-55.94%

Local Beer (0.5 liter bottle)

$2.61 CA$3.64

$2.26 Rp 41.0K

15.49%

Imported Beer (0.33 liter bottle)

$2.69 CA$3.76

$2.97 Rp 53.8K

-9.43%

One-way Ticket (Public Transport)

$2.88 CA$4.03

$0.25 Rp 4,548

1052.00%

Public Transport Monthly Pass (Regular Price)

$75.6 CA$106

$7.82 Rp 141.8K

867.01%

Taxi Start (Normal Tariff)

$2.47 CA$3.45

$0.44 Rp 7,964

461.36%

Taxi (Normal Tariff) (1km)

$1.81 CA$2.54

$0.43 Rp 7,793

320.93%

Taxi 1hour Waiting (Normal Tariff)

$28.17 CA$39.37

$5.41 Rp 98.0K

420.70%

Gasoline (1 liter)

$1.19 CA$1.67

$0.82 Rp 14.9K

45.12%

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

$26.9K CA$37.6K

$23.8K Rp 432.0M

12.85%

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

$20.6K CA$28.7K

$31.7K Rp 575.3M

-35.20%

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

$147 CA$205

$79.1 Rp 1.4M

85.33%

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

$27.82 CA$38.87

$6.45 Rp 116.8K

331.32%

Internet (50+ Mbps, Unlimited Data)

$42.76 CA$59.8

$18.58 Rp 336.7K

130.14%

Gym Membership (Monthly)

$33.77 CA$47.19

$49.48 Rp 896.7K

-31.75%

Tennis Court (1 Hour on Weekend)

$19.23 CA$26.87

$17.65 Rp 319.8K

8.95%

Cinema Ticket

$10.90 CA$15.23

$4.27 Rp 77.4K

155.27%

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

$444 CA$620

$491 Rp 8.9M

-9.51%

International Primary School, 1 Child (Yearly)

$15.7K CA$21.9K

$5,674 Rp 102.8M

176.04%

Jeans (Levis 501 Or Similar)

$64.4 CA$90.0

$44.64 Rp 808.9K

44.33%

Summer Dress (H&M, Zara, etc)

$32.79 CA$45.82

$34.95 Rp 633.4K

-6.18%

Sport Shoes (Adidas, Nike)

$81.9 CA$114

$79.9 Rp 1.4M

2.52%

Men's Leather Business Shoes

$76.6 CA$107

$79.4 Rp 1.4M

-3.54%

1-bedroom Apartment, City Center (Monthly)

$1,443 CA$2,016

$1,125 Rp 20.4M

28.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,141 CA$1,594

$671 Rp 12.2M

69.93%

3-bedroom Apartment, City Center (Monthly)

$2,161 CA$3,019

$3,565 Rp 64.6M

-39.39%

3-bedroom Apartment, Outside City Center (Monthly)

$1,905 CA$2,661

$1,723 Rp 31.2M

10.52%

Buy Apartment in City Center (m2)

$5,280 CA$7,378

$2,732 Rp 49.5M

93.29%

Buy Apartment Outside City Center (m2)

$4,609 CA$6,441

$2,284 Rp 41.4M

101.81%

Average Monthly Net Salary (After Tax)

$3,129 CA$4,372

$164 Rp 3.0M

1809.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.22

13.78

-62.12%

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

Last update for Waterloo: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Waterloo

$1.1K 51.1%

Ubud, Bali

$672 49.8% 41.2% $470

Groceries & Markets

Waterloo

$346 15.5%

Ubud, Bali

$288 21.4% 16.7% $58

Eating Out

Waterloo

$261 11.7%

Ubud, Bali

$108 8% 58.7% $153

Monthly Utilities & Internet

Waterloo

$217 9.7%

Ubud, Bali

$104 7.7% 52.1% $113

Clothing & Footwear

Waterloo

$115 5.2%

Ubud, Bali

$108 8% 6.6% $7.6

Getting Around

Waterloo

$99 4.4%

Ubud, Bali

$11 0.9% 88.4% $87

Sport & Entertainment

Waterloo

$56 2.5%

Ubud, Bali

$58 4.3% 4.4% $2.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,443 in Waterloo and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Waterloo pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $57 in Waterloo vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $346 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇦 Waterloo

🇮🇩 Ubud, Bali

🕒 Local time

12:31 12:31 PM

01:31 1:31 AM

13 h ahead of Waterloo

🌤 Weather

👥 Population

121,436

74,800

💱 Currency

Canadian Dollar CAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.641 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of November 1, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.56 CAD (1 CAD = 0.641 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to CAD in detail →

On the map

Lowest

Highest

Between locations

Waterloo Ubud, Bali 15,840 km ≈ 20 h nonstop flight

From you

Waterloo
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

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

Ubud, Bali wins on cost – living expenses run 40% lower than in Waterloo. 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 Waterloo is about 19 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: $1,443 in Waterloo versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $444 in Waterloo versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 20% higher in Waterloo. 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 cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 40% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.