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: $2,444 in Waterloo versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $3,570 in Waterloo versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,697 in Waterloo versus $3,723 in Ubud, Bali.

Living in Waterloo is roughly 76% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Waterloo 84% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$14.92 CA$20.90

$3.57 Rp 64.6K

317.93%

Three-Course Dinner for Two, Mid-Range

$67.2 CA$94.1

$32.32 Rp 584.1K

107.89%

Fast Food Meal (McDonalds, etc)

$9.62 CA$13.48

$5.01 Rp 90.5K

92.02%

Cappuccino

$3.11 CA$4.36

$2.82 Rp 51.0K

10.28%

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

$1.49 CA$2.09

$1.35 Rp 24.4K

10.37%

Water (0.33 liter bottle)

$1.55 CA$2.17

$0.73 Rp 13.2K

112.33%

Local Beer (0.5 liter draught)

$5.36 CA$7.52

$2.93 Rp 53.0K

82.94%

Imported Beer (0.33 liter bottle)

$6.52 CA$9.13

$3.94 Rp 71.1K

65.48%

Milk (1 liter)

$2.16 CA$3.03

$1.78 Rp 32.1K

21.35%

White Bread (500g)

$2.36 CA$3.30

$2.45 Rp 44.3K

-3.67%

Rice (white) (1kg)

$2.64 CA$3.70

$1.15 Rp 20.8K

129.57%

Eggs

$3.02 CA$4.23

$2.41 Rp 43.6K

25.31%

Local Cheese (1kg)

$8.26 CA$11.57

$14.33 Rp 259.0K

-42.36%

Chicken Fillets (1kg)

$16.57 CA$23.21

$4.19 Rp 75.7K

295.47%

Beef Round Steak (1kg)

$14.12 CA$19.78

$12.06 Rp 217.9K

17.08%

Apples (1kg)

$4.09 CA$5.72

$3.64 Rp 65.7K

12.36%

Banana (1kg)

$1.24 CA$1.74

$1.57 Rp 28.3K

-21.02%

Oranges (1kg)

$3.24 CA$4.54

$2.79 Rp 50.4K

16.13%

Tomato (1kg)

$3.78 CA$5.29

$2.24 Rp 40.5K

68.75%

Potato (1kg)

$2.40 CA$3.36

$1.98 Rp 35.8K

21.21%

Onion (1kg)

$2.79 CA$3.90

$2.28 Rp 41.1K

22.37%

Lettuce (1 head)

$1.97 CA$2.76

$1.05 Rp 19.0K

87.62%

Water (1.5 liter bottle)

$1.59 CA$2.23

$0.79 Rp 14.2K

101.27%

Cigarettes 20 Pack (Marlboro, Camel)

$14.03 CA$19.66

$3.19 Rp 57.6K

339.81%

Wine (Bottle)

$10.04 CA$14.07

$23.49 Rp 424.6K

-57.26%

Local Beer (0.5 liter bottle)

$2.43 CA$3.40

$2.90 Rp 52.3K

-16.21%

Imported Beer (0.33 liter bottle)

$3.15 CA$4.41

$2.76 Rp 49.8K

14.13%

One-way Ticket (Public Transport)

$2.82 CA$3.96

$0.27 Rp 4,819

944.44%

Public Transport Monthly Pass (Regular Price)

$68.5 CA$96.0

$8.37 Rp 151.2K

718.28%

Taxi Start (Normal Tariff)

$2.65 CA$3.72

$0.45 Rp 8,176

488.89%

Taxi (Normal Tariff) (1km)

$1.69 CA$2.37

$0.46 Rp 8,307

267.39%

Taxi 1hour Waiting (Normal Tariff)

$29.94 CA$41.95

$6.07 Rp 109.7K

393.25%

Gasoline (1 liter)

$1.12 CA$1.57

$0.86 Rp 15.6K

30.23%

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

$25.2K CA$35.3K

$26.6K Rp 480.5M

-5.29%

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

$19.9K CA$27.9K

$32.5K Rp 588.3M

-38.84%

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

$184 CA$258

$79.0 Rp 1.4M

133.46%

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

$36.58 CA$51.3

$4.09 Rp 73.9K

794.38%

Internet (50+ Mbps, Unlimited Data)

$55.6 CA$77.9

$23.85 Rp 431.0K

132.96%

Gym Membership (Monthly)

$39.30 CA$55.1

$98.8 Rp 1.8M

-60.21%

Tennis Court (1 Hour on Weekend)

$15.70 CA$22.00

$6.35 Rp 114.8K

147.24%

Cinema Ticket

$12.14 CA$17.01

$4.01 Rp 72.4K

202.74%

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

$558 CA$782

$297 Rp 5.4M

87.77%

International Primary School, 1 Child (Yearly)

$10.4K CA$14.5K

$6,602 Rp 119.3M

57.18%

Jeans (Levis 501 Or Similar)

$53.5 CA$74.9

$53.4 Rp 965.6K

0.06%

Summer Dress (H&M, Zara, etc)

$26.07 CA$36.53

$38.11 Rp 688.8K

-31.59%

Sport Shoes (Adidas, Nike)

$69.0 CA$96.6

$88.7 Rp 1.6M

-22.20%

Men's Leather Business Shoes

$89.0 CA$125

$76.6 Rp 1.4M

16.14%

1-bedroom Apartment, City Center (Monthly)

$1,412 CA$1,978

$1,020 Rp 18.4M

38.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,245 CA$1,744

$680 Rp 12.3M

83.02%

3-bedroom Apartment, City Center (Monthly)

$2,376 CA$3,329

$3,469 Rp 62.7M

-31.51%

3-bedroom Apartment, Outside City Center (Monthly)

$2,132 CA$2,987

$2,090 Rp 37.8M

2.00%

Buy Apartment in City Center (m2)

$5,144 CA$7,207

$2,729 Rp 49.3M

88.49%

Buy Apartment Outside City Center (m2)

$4,993 CA$6,995

$2,295 Rp 41.5M

117.50%

Average Monthly Net Salary (After Tax)

$2,946 CA$4,128

$164 Rp 3.0M

1699.99%

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: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,412 in Waterloo and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Waterloo pays 1700% 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: $67.0 in Waterloo vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $356 vs $298 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 76% 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 runs 1700% higher in Waterloo, 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: $1,412 in Waterloo versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $558 in Waterloo versus $297 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.

At $1,392 in Ubud, Bali versus $2,444 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 $1,392 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 76% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.