Cost of Living Comparison Between Watertown, NY and Ubud, Bali Cost of Living Comparison Between Watertown, NY and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,920 in Watertown, NY versus $1,395 in Ubud, Bali.

Estimated couple costs with rent: $3,120 in Watertown, NY versus $2,559 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,321 in Watertown, NY versus $3,724 in Ubud, Bali.

Living in Watertown, NY is roughly 38% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Watertown, NY 43% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$13.86 $13.86

$3.48 Rp 59.7K

298.28%

Three-Course Dinner for Two, Mid-Range

$56.8 $56.8

$32.88 Rp 564.0K

72.87%

Fast Food Meal (McDonalds, etc)

$11.79 $11.79

$5.09 Rp 87.3K

131.63%

Cappuccino

$5.46 $5.46

$2.75 Rp 47.1K

98.55%

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

$2.35 $2.35

$1.38 Rp 23.7K

70.29%

Water (0.33 liter bottle)

$2.17 $2.17

$0.71 Rp 12.2K

205.63%

Local Beer (0.5 liter draught)

$5.46 $5.46

$2.88 Rp 49.4K

89.58%

Imported Beer (0.33 liter bottle)

$6.93 $6.93

$3.87 Rp 66.4K

79.07%

Milk (1 liter)

$0.64 $0.64

$1.79 Rp 30.7K

-64.25%

White Bread (500g)

$2.36 $2.36

$2.45 Rp 42.0K

-3.67%

Rice (white) (1kg)

$4.96 $4.96

$1.21 Rp 20.7K

309.92%

Eggs

$3.12 $3.12

$2.39 Rp 40.9K

30.54%

Local Cheese (1kg)

$13.21 $13.21

$14.70 Rp 252.1K

-10.14%

Chicken Fillets (1kg)

$8.26 $8.26

$4.24 Rp 72.7K

94.81%

Beef Round Steak (1kg)

$12.18 $12.18

$12.08 Rp 207.1K

0.83%

Apples (1kg)

$4.01 $4.01

$3.66 Rp 62.9K

9.56%

Banana (1kg)

$1.58 $1.58

$1.61 Rp 27.6K

-1.86%

Oranges (1kg)

$5.39 $5.39

$2.72 Rp 46.6K

98.16%

Tomato (1kg)

$5.10 $5.10

$2.27 Rp 39.0K

124.67%

Potato (1kg)

$2.49 $2.49

$1.90 Rp 32.6K

31.05%

Onion (1kg)

$3.61 $3.61

$2.30 Rp 39.4K

56.96%

Lettuce (1 head)

$2.41 $2.41

$1.02 Rp 17.4K

136.27%

Water (1.5 liter bottle)

$2.44 $2.44

$0.78 Rp 13.4K

212.82%

Cigarettes 20 Pack (Marlboro, Camel)

$14.09 $14.09

$3.24 Rp 55.7K

334.88%

Wine (Bottle)

$8.97 $8.97

$24.06 Rp 412.7K

-62.72%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$2.84 Rp 48.7K

-38.03%

Imported Beer (0.33 liter bottle)

$7.43 $7.43

$2.79 Rp 47.8K

166.31%

One-way Ticket (Public Transport)

$1.48 $1.48

$0.27 Rp 4,610

448.15%

Public Transport Monthly Pass (Regular Price)

$44.70 $44.70

$8.24 Rp 141.4K

442.48%

Taxi Start (Normal Tariff)

$5.24 $5.24

$0.45 Rp 7,708

1064.44%

Taxi (Normal Tariff) (1km)

$2.21 $2.21

$0.43 Rp 7,305

413.95%

Taxi 1hour Waiting (Normal Tariff)

$44.20 $44.20

$6.02 Rp 103.3K

634.22%

Gasoline (1 liter)

$0.91 $0.91

$0.86 Rp 14.7K

5.81%

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

$32.4K $32.4K

$26.1K Rp 447.1M

24.15%

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

$24.4K $24.4K

$31.7K Rp 543.7M

-22.93%

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

$197 $197

$78.3 Rp 1.3M

150.84%

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

$46.59 $46.59

$4.00 Rp 68.5K

1064.75%

Internet (50+ Mbps, Unlimited Data)

$60.6 $60.6

$24.35 Rp 417.7K

148.75%

Gym Membership (Monthly)

$43.07 $43.07

$95.8 Rp 1.6M

-55.03%

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.7K

Cinema Ticket

$10.43 $10.43

$4.01 Rp 68.7K

160.10%

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

$912 $912

$302 Rp 5.2M

202.40%

International Primary School, 1 Child (Yearly)

$28.9K $28.9K

$6,545 Rp 112.3M

341.24%

Jeans (Levis 501 Or Similar)

$45.51 $45.51

$53.4 Rp 916.3K

-14.81%

Summer Dress (H&M, Zara, etc)

$45.58 $45.58

$38.55 Rp 661.2K

18.24%

Sport Shoes (Adidas, Nike)

$103 $103

$89.1 Rp 1.5M

16.16%

Men's Leather Business Shoes

$113 $113

$78.9 Rp 1.4M

42.70%

1-bedroom Apartment, City Center (Monthly)

$894 $894

$1,016 Rp 17.4M

-11.99%

1-bedroom Apartment, Outside City Center (Monthly)

$753 $753

$672 Rp 11.5M

12.06%

3-bedroom Apartment, City Center (Monthly)

$1,687 $1,687

$3,368 Rp 57.8M

-49.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,817 $1,817

$2,108 Rp 36.2M

-13.79%

Buy Apartment in City Center (m2)

$1,535 $1,535

$3,001 Rp 51.5M

-48.86%

Buy Apartment Outside City Center (m2)

$1,523 $1,523

$2,337 Rp 40.1M

-34.81%

Average Monthly Net Salary (After Tax)

$3,516 $3,516

$178 Rp 3.0M

1880.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.53

13.28

-50.83%

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

Last update for Watertown, NY: April 13, 2026

Last update for Ubud, Bali: April 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $894 in Watertown, NY and $1,016 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Watertown, NY pays 1881% 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: $57 in Watertown, NY vs $33 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $351 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

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

Ubud, Bali wins on cost – living expenses run 38% lower than in Watertown, NY. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Watertown, NY pays 1881% 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: $894 in Watertown, NY versus $1,016 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $912 in Watertown, NY 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 17% higher in Watertown, NY. For households that cook at home regularly, that difference adds up over a month.

At $1,395 in Ubud, Bali versus $1,920 in Watertown, NY, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Watertown, NY. 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, Watertown, NY 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 38% less than in Watertown, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.