Last update: Oct 2026

Cost of Living Comparison Between Waterloo and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,259 in Waterloo, rent and utilities included – about $10,700 less a year. Rent and utilities account for about half of the difference.

110

Cost of Living Index in Waterloo
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Waterloo Living Index
67

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

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Waterloo

🇧🇪 Belgium

$2,259

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/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: $2,259 in Waterloo versus $1,368 in Ubud, Bali.

Waterloo $2,259
Ubud, Bali $1,368

Estimated couple costs with rent: $3,111 in Waterloo versus $2,314 in Ubud, Bali.

Waterloo $3,111
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,962 in Waterloo versus $3,260 in Ubud, Bali.

Waterloo $3,962
Ubud, Bali $3,260

Living in Waterloo is roughly 65% 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: Waterloo 67% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$22.30 €19.83

$3.33 Rp 59.9K

569.67%

Three-Course Dinner for Two, Mid-Range

$101 €89.6

$35.18 Rp 633.2K

186.36%

Fast Food Meal (McDonalds, etc)

$14.79 €13.16

$5.80 Rp 104.5K

155.00%

Cappuccino

$4.53 €4.03

$2.73 Rp 49.1K

65.93%

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

$3.79 €3.37

$1.64 Rp 29.5K

131.10%

Water (0.33 liter bottle)

$3.18 €2.83

$0.83 Rp 15.0K

283.13%

Local Beer (0.5 liter draught)

$5.63 €5.00

$2.70 Rp 48.6K

108.52%

Imported Beer (0.33 liter bottle)

$5.48 €4.87

$4.30 Rp 77.4K

27.44%

Milk (1 liter)

$1.29 €1.15

$1.50 Rp 27.1K

-14.00%

White Bread (500g)

$2.67 €2.38

$2.30 Rp 41.4K

16.09%

Rice (white) (1kg)

$2.23 €1.99

$1.18 Rp 21.2K

88.98%

Eggs

$3.99 €3.55

$2.14 Rp 38.6K

86.45%

Local Cheese (1kg)

$17.65 €15.70

$17.48 Rp 314.6K

0.97%

Chicken Fillets (1kg)

$12.25 €10.90

$4.03 Rp 72.5K

203.97%

Beef Round Steak (1kg)

$19.60 €17.43

$12.23 Rp 220.1K

60.26%

Apples (1kg)

$2.81 €2.50

$3.55 Rp 63.9K

-20.85%

Banana (1kg)

$2.44 €2.17

$1.57 Rp 28.3K

55.41%

Oranges (1kg)

$2.85 €2.54

$2.24 Rp 40.2K

27.23%

Tomato (1kg)

$2.80 €2.49

$1.93 Rp 34.7K

45.08%

Potato (1kg)

$2.17 €1.93

$1.88 Rp 33.9K

15.43%

Onion (1kg)

$1.97 €1.75

$2.29 Rp 41.3K

-13.97%

Lettuce (1 head)

$1.33 €1.18

$0.99 Rp 17.9K

34.34%

Water (1.5 liter bottle)

$1.04 €0.93

$0.53 Rp 9,475

96.23%

Cigarettes 20 Pack (Marlboro, Camel)

$12.93 €11.50

$2.28 Rp 41.1K

467.11%

Wine (Bottle)

$8.74 €7.77

$23.01 Rp 414.2K

-62.02%

Local Beer (0.5 liter bottle)

$1.96 €1.75

$2.34 Rp 42.2K

-16.24%

Imported Beer (0.33 liter bottle)

$2.40 €2.13

$2.91 Rp 52.4K

-17.53%

One-way Ticket (Public Transport)

$2.65 €2.36

$0.24 Rp 4,315

1004.17%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.94 €2.61

$0.48 Rp 8,684

512.50%

Taxi (Normal Tariff) (1km)

$2.22 €1.98

$0.46 Rp 8,233

382.61%

Taxi 1hour Waiting (Normal Tariff)

$40.93 €36.41

$5.45 Rp 98.2K

651.01%

Gasoline (1 liter)

$2.10 €1.86

$0.88 Rp 15.9K

138.64%

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

$35.3K €31.4K

$24.6K Rp 442.2M

43.51%

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

$33.7K €30.0K

$31.2K Rp 561.4M

8.03%

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

$224 €199

$83.0 Rp 1.5M

169.55%

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

$21.29 €18.94

$6.45 Rp 116.0K

230.08%

Internet (50+ Mbps, Unlimited Data)

$49.59 €44.11

$18.57 Rp 334.2K

167.04%

Gym Membership (Monthly)

$31.89 €28.37

$55.8 Rp 1.0M

-42.87%

Tennis Court (1 Hour on Weekend)

$20.37 €18.12

$18.11 Rp 326.0K

12.48%

Cinema Ticket

$15.93 €14.17

$4.38 Rp 78.9K

263.70%

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

$788 €701

$493 Rp 8.9M

59.92%

International Primary School, 1 Child (Yearly)

$26.5K €23.6K

$5,754 Rp 103.6M

360.51%

Jeans (Levis 501 Or Similar)

$101 €90.0

$46.19 Rp 831.4K

119.14%

Summer Dress (H&M, Zara, etc)

$45.40 €40.38

$35.33 Rp 636.0K

28.50%

Sport Shoes (Adidas, Nike)

$110 €98.1

$79.1 Rp 1.4M

39.49%

Men's Leather Business Shoes

$147 €131

$78.4 Rp 1.4M

88.12%

1-bedroom Apartment, City Center (Monthly)

$1,061 €943

$1,142 Rp 20.6M

-7.16%

1-bedroom Apartment, Outside City Center (Monthly)

$998 €888

$676 Rp 12.2M

47.74%

3-bedroom Apartment, City Center (Monthly)

$1,402 €1,247

$3,503 Rp 63.1M

-59.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,014 €902

$1,700 Rp 30.6M

-40.32%

Buy Apartment in City Center (m2)

$4,096 €3,644

$2,784 Rp 50.1M

47.13%

Buy Apartment Outside City Center (m2)

$2,821 €2,509

$2,241 Rp 40.3M

25.92%

Average Monthly Net Salary (After Tax)

$2,468 €2,195

$165 Rp 3.0M

1399.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.71

13.78

-73.08%

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

Last update for Waterloo: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Waterloo

$998 44.2%

Ubud, Bali

$676 49.4% 32.3% $323

Groceries & Markets

Waterloo

$352 15.6%

Ubud, Bali

$290 21.2% 17.5% $62

Eating Out

Waterloo

$344 15.2%

Ubud, Bali

$109 8% 68.4% $235

Monthly Utilities & Internet

Waterloo

$295 13%

Ubud, Bali

$108 7.9% 63.3% $187

Clothing & Footwear

Waterloo

$182 8.1%

Ubud, Bali

$108 7.9% 40.9% $74

Sport & Entertainment

Waterloo

$64 2.8%

Ubud, Bali

$65 4.7% 1.3% $0.8

Getting Around

Waterloo

$25 * 1.1%

Ubud, Bali

$13 0.9% 49.1% $12

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,061 in Waterloo and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Waterloo pays 1400% 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: $101 in Waterloo vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $352 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇧🇪 Waterloo

🇮🇩 Ubud, Bali

🕒 Local time

04:05 4:05 AM

10:05 10:05 AM

6 h ahead of Waterloo

🌤 Weather

👥 Population

29,649

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Waterloo Ubud, Bali 12,200 km ≈ 16 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 65% 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 1400% 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: $1,061 in Waterloo versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 21% higher in Waterloo. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,259 per month in Waterloo versus $1,368 in Ubud, Bali – a 65% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,259 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 $1,368 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 65% less than in Waterloo. Beyond cost, consider language, visa policies, and how big the international community is in each city.