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

Monthly Cost of Living

Monthly costs for one person with rent: $2,428 in Waterloo versus $1,395 in Ubud, Bali.

Estimated couple costs with rent: $3,495 in Waterloo versus $2,559 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,562 in Waterloo versus $3,724 in Ubud, Bali.

Living in Waterloo is roughly 74% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Waterloo 80% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$14.59 CA$19.99

$3.48 Rp 59.7K

319.25%

Three-Course Dinner for Two, Mid-Range

$65.6 CA$89.9

$32.88 Rp 564.0K

99.48%

Fast Food Meal (McDonalds, etc)

$9.60 CA$13.16

$5.09 Rp 87.3K

88.61%

Cappuccino

$3.14 CA$4.30

$2.75 Rp 47.1K

14.18%

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

$1.54 CA$2.11

$1.38 Rp 23.7K

11.59%

Water (0.33 liter bottle)

$1.57 CA$2.15

$0.71 Rp 12.2K

121.13%

Local Beer (0.5 liter draught)

$5.65 CA$7.74

$2.88 Rp 49.4K

96.18%

Imported Beer (0.33 liter bottle)

$6.45 CA$8.84

$3.87 Rp 66.4K

66.67%

Milk (1 liter)

$2.14 CA$2.93

$1.79 Rp 30.7K

19.55%

White Bread (500g)

$2.31 CA$3.16

$2.45 Rp 42.0K

-5.71%

Rice (white) (1kg)

$2.58 CA$3.53

$1.21 Rp 20.7K

113.22%

Eggs

$3.02 CA$4.14

$2.39 Rp 40.9K

26.36%

Local Cheese (1kg)

$8.25 CA$11.30

$14.70 Rp 252.1K

-43.88%

Chicken Fillets (1kg)

$16.48 CA$22.58

$4.24 Rp 72.7K

288.68%

Beef Round Steak (1kg)

$14.14 CA$19.37

$12.08 Rp 207.1K

17.05%

Apples (1kg)

$4.15 CA$5.69

$3.66 Rp 62.9K

13.39%

Banana (1kg)

$1.24 CA$1.69

$1.61 Rp 27.6K

-22.98%

Oranges (1kg)

$3.21 CA$4.40

$2.72 Rp 46.6K

18.01%

Tomato (1kg)

$3.73 CA$5.11

$2.27 Rp 39.0K

64.32%

Potato (1kg)

$2.34 CA$3.21

$1.90 Rp 32.6K

23.16%

Onion (1kg)

$2.84 CA$3.89

$2.30 Rp 39.4K

23.48%

Lettuce (1 head)

$1.97 CA$2.69

$1.02 Rp 17.4K

93.14%

Water (1.5 liter bottle)

$1.60 CA$2.20

$0.78 Rp 13.4K

105.13%

Cigarettes 20 Pack (Marlboro, Camel)

$14.08 CA$19.29

$3.24 Rp 55.7K

334.57%

Wine (Bottle)

$9.97 CA$13.66

$24.06 Rp 412.7K

-58.56%

Local Beer (0.5 liter bottle)

$2.53 CA$3.47

$2.84 Rp 48.7K

-10.92%

Imported Beer (0.33 liter bottle)

$3.27 CA$4.49

$2.79 Rp 47.8K

17.20%

One-way Ticket (Public Transport)

$2.73 CA$3.73

$0.27 Rp 4,610

911.11%

Public Transport Monthly Pass (Regular Price)

$67.6 CA$92.6

$8.24 Rp 141.4K

719.78%

Taxi Start (Normal Tariff)

$2.65 CA$3.63

$0.45 Rp 7,708

488.89%

Taxi (Normal Tariff) (1km)

$1.75 CA$2.40

$0.43 Rp 7,305

306.98%

Taxi 1hour Waiting (Normal Tariff)

$29.13 CA$39.91

$6.02 Rp 103.3K

383.89%

Gasoline (1 liter)

$1.15 CA$1.58

$0.86 Rp 14.7K

33.72%

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

$25.4K CA$34.8K

$26.1K Rp 447.1M

-2.43%

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

$20.1K CA$27.5K

$31.7K Rp 543.7M

-36.74%

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

$185 CA$254

$78.3 Rp 1.3M

136.35%

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

$36.89 CA$50.5

$4.00 Rp 68.5K

822.25%

Internet (50+ Mbps, Unlimited Data)

$54.4 CA$74.5

$24.35 Rp 417.7K

123.24%

Gym Membership (Monthly)

$38.60 CA$52.9

$95.8 Rp 1.6M

-59.70%

Tennis Court (1 Hour on Weekend)

$15.33 CA$21.01

$6.46 Rp 110.7K

137.31%

Cinema Ticket

$12.19 CA$16.70

$4.01 Rp 68.7K

203.99%

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

$556 CA$762

$302 Rp 5.2M

84.32%

International Primary School, 1 Child (Yearly)

$10.5K CA$14.4K

$6,545 Rp 112.3M

60.15%

Jeans (Levis 501 Or Similar)

$53.5 CA$73.3

$53.4 Rp 916.3K

0.21%

Summer Dress (H&M, Zara, etc)

$25.33 CA$34.70

$38.55 Rp 661.2K

-34.29%

Sport Shoes (Adidas, Nike)

$68.9 CA$94.4

$89.1 Rp 1.5M

-22.62%

Men's Leather Business Shoes

$87.1 CA$119

$78.9 Rp 1.4M

10.39%

1-bedroom Apartment, City Center (Monthly)

$1,428 CA$1,956

$1,016 Rp 17.4M

40.50%

1-bedroom Apartment, Outside City Center (Monthly)

$1,285 CA$1,761

$672 Rp 11.5M

91.23%

3-bedroom Apartment, City Center (Monthly)

$2,329 CA$3,190

$3,368 Rp 57.8M

-30.87%

3-bedroom Apartment, Outside City Center (Monthly)

$2,069 CA$2,835

$2,108 Rp 36.2M

-1.83%

Buy Apartment in City Center (m2)

$5,366 CA$7,352

$3,001 Rp 51.5M

78.80%

Buy Apartment Outside City Center (m2)

$5,017 CA$6,874

$2,337 Rp 40.1M

114.73%

Average Monthly Net Salary (After Tax)

$3,043 CA$4,169

$178 Rp 3.0M

1614.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.71

13.28

-49.47%

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

Last update for Waterloo: April 13, 2026

Last update for Ubud, Bali: April 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,428 in Waterloo and $1,016 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Waterloo pays 1614% 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: $66 in Waterloo vs $33 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $355 vs $300 per month, with Ubud, Bali cheaper across the board.

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 74% 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.

Waterloo pays 1614% 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: $1,428 in Waterloo versus $1,016 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $556 in Waterloo versus $302 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 18% higher in Waterloo. For households that cook at home regularly, that difference adds up over a month.

At $1,395 in Ubud, Bali versus $2,428 in Waterloo, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waterloo. 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 $1,395 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Waterloo 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 74% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.