Last update: Oct 2026

Cost of Living Comparison Between Watford and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,008 in Watford, rent and utilities included – about $19,700 less a year. Rent and utilities account for most of the difference.

147

Cost of Living Index in Watford
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Watford Living Index
67

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

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Watford

🇬🇧 United Kingdom

$3,008

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,008 in Watford versus $1,368 in Ubud, Bali.

Watford $3,008
Ubud, Bali $1,368

Estimated couple costs with rent: $4,956 in Watford versus $2,314 in Ubud, Bali.

Watford $4,956
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $6,905 in Watford versus $3,260 in Ubud, Bali.

Watford $6,905
Ubud, Bali $3,260

Living in Watford is roughly 120% 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: Watford 123% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$20.92 £15.69

$3.33 Rp 59.9K

528.23%

Three-Course Dinner for Two, Mid-Range

$90.3 £67.8

$35.18 Rp 633.2K

156.79%

Fast Food Meal (McDonalds, etc)

$10.39 £7.80

$5.80 Rp 104.5K

79.14%

Cappuccino

$4.92 £3.69

$2.73 Rp 49.1K

80.22%

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

$3.02 £2.27

$1.64 Rp 29.5K

84.15%

Water (0.33 liter bottle)

$1.83 £1.37

$0.83 Rp 15.0K

120.48%

Local Beer (0.5 liter draught)

$7.93 £5.95

$2.70 Rp 48.6K

193.70%

Imported Beer (0.33 liter bottle)

$6.54 £4.90

$4.30 Rp 77.4K

52.09%

Milk (1 liter)

$1.58 £1.19

$1.50 Rp 27.1K

5.33%

White Bread (500g)

$2.09 £1.57

$2.30 Rp 41.4K

-9.13%

Rice (white) (1kg)

$2.32 £1.74

$1.18 Rp 21.2K

96.61%

Eggs

$4.44 £3.33

$2.14 Rp 38.6K

107.48%

Local Cheese (1kg)

$9.48 £7.11

$17.48 Rp 314.6K

-45.77%

Chicken Fillets (1kg)

$9.60 £7.20

$4.03 Rp 72.5K

138.21%

Beef Round Steak (1kg)

$16.61 £12.46

$12.23 Rp 220.1K

35.81%

Apples (1kg)

$3.15 £2.36

$3.55 Rp 63.9K

-11.27%

Banana (1kg)

$1.42 £1.06

$1.57 Rp 28.3K

-9.55%

Oranges (1kg)

$3.08 £2.31

$2.24 Rp 40.2K

37.50%

Tomato (1kg)

$3.38 £2.53

$1.93 Rp 34.7K

75.13%

Potato (1kg)

$1.60 £1.20

$1.88 Rp 33.9K

-14.89%

Onion (1kg)

$1.77 £1.33

$2.29 Rp 41.3K

-22.71%

Lettuce (1 head)

$1.39 £1.04

$0.99 Rp 17.9K

40.40%

Water (1.5 liter bottle)

$1.85 £1.38

$0.53 Rp 9,475

249.06%

Cigarettes 20 Pack (Marlboro, Camel)

$23.27 £17.45

$2.28 Rp 41.1K

920.61%

Wine (Bottle)

$10.95 £8.21

$23.01 Rp 414.2K

-52.41%

Local Beer (0.5 liter bottle)

$3.19 £2.39

$2.34 Rp 42.2K

36.32%

Imported Beer (0.33 liter bottle)

$4.02 £3.01

$2.91 Rp 52.4K

38.14%

One-way Ticket (Public Transport)

$2.62 £1.97

$0.24 Rp 4,315

991.67%

Public Transport Monthly Pass (Regular Price)

$45.34 £34.01

$8.82 Rp 158.7K

414.06%

Taxi Start (Normal Tariff)

$5.41 £4.06

$0.48 Rp 8,684

1027.08%

Taxi (Normal Tariff) (1km)

$2.68 £2.01

$0.46 Rp 8,233

482.61%

Taxi 1hour Waiting (Normal Tariff)

$49.42 £37.08

$5.45 Rp 98.2K

806.79%

Gasoline (1 liter)

$2.06 £1.55

$0.88 Rp 15.9K

134.09%

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

$37.8K £28.3K

$24.6K Rp 442.2M

53.81%

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

$40.0K £30.0K

$31.2K Rp 561.4M

28.20%

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

$329 £247

$83.0 Rp 1.5M

296.72%

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

$17.84 £13.39

$6.45 Rp 116.0K

176.59%

Internet (50+ Mbps, Unlimited Data)

$40.20 £30.16

$18.57 Rp 334.2K

116.48%

Gym Membership (Monthly)

$36.89 £27.68

$55.8 Rp 1.0M

-33.91%

Tennis Court (1 Hour on Weekend)

$38.91 £29.19

$18.11 Rp 326.0K

114.85%

Cinema Ticket

$17.48 £13.12

$4.38 Rp 78.9K

299.09%

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

$2,586 £1,940

$493 Rp 8.9M

424.46%

International Primary School, 1 Child (Yearly)

$35.7K £26.8K

$5,754 Rp 103.6M

521.09%

Jeans (Levis 501 Or Similar)

$89.5 £67.1

$46.19 Rp 831.4K

93.66%

Summer Dress (H&M, Zara, etc)

$52.4 £39.30

$35.33 Rp 636.0K

48.26%

Sport Shoes (Adidas, Nike)

$91.3 £68.5

$79.1 Rp 1.4M

15.41%

Men's Leather Business Shoes

$128 £96.4

$78.4 Rp 1.4M

63.87%

1-bedroom Apartment, City Center (Monthly)

$1,757 £1,318

$1,142 Rp 20.6M

53.82%

1-bedroom Apartment, Outside City Center (Monthly)

$1,656 £1,242

$676 Rp 12.2M

145.10%

3-bedroom Apartment, City Center (Monthly)

$3,492 £2,620

$3,503 Rp 63.1M

-0.32%

3-bedroom Apartment, Outside City Center (Monthly)

$3,938 £2,954

$1,700 Rp 30.6M

131.65%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$3,660 £2,746

$165 Rp 3.0M

2124.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.04

13.78

-63.43%

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

Last update for Watford: 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

Watford

$1.7K 55.1%

Ubud, Bali

$676 49.4% 59.2% $980

Monthly Utilities & Internet

Watford

$387 12.9%

Ubud, Bali

$108 7.9% 72.1% $279

Eating Out

Watford

$330 11%

Ubud, Bali

$109 8% 67% $221

Groceries & Markets

Watford

$325 10.8%

Ubud, Bali

$290 21.2% 10.7% $35

Clothing & Footwear

Watford

$163 5.4%

Ubud, Bali

$108 7.9% 33.9% $55

Getting Around

Watford

$75 2.5%

Ubud, Bali

$13 0.9% 83.2% $62

Sport & Entertainment

Watford

$72 2.4%

Ubud, Bali

$65 4.7% 10.1% $7.3

Cost Breakdown

A one-bedroom apartment in the center runs $1,757 in Watford and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Watford pays 2124% 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: $90.0 in Watford vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $325 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇧 Watford

🇮🇩 Ubud, Bali

🕒 Local time

23:30 11:30 PM

06:30 6:30 AM

7 h ahead of Watford

🌤 Weather

👥 Population

120,000

74,800

💱 Currency

British Pound GBP £

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 19, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Indonesian Rupiah exchange rates as of October 19, 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 GBP in detail →

On the map

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Highest

Between locations

Watford Ubud, Bali 12,500 km ≈ 16 h nonstop flight

From you

Watford
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

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

Ubud, Bali wins on cost – living expenses run 120% lower than in Watford. 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 2124% higher in Watford, 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: $1,757 in Watford versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,586 in Watford versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 12% higher in Watford. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $3,008 in Watford, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Watford. 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, Watford 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 120% less than in Watford. Beyond cost, consider language, visa policies, and how big the international community is in each city.