Last update: Oct 2026

Cost of Living Comparison Between Windhoek and Ubud, Bali

For one person, living is cheaper in Windhoek: $1,182 a month against $1,349 in Ubud, Bali, rent and utilities included – about $2,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

57

Cost of Living Index in Windhoek
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Windhoek Living Index
65

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

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Windhoek

🇳🇦 Namibia

$1,182

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,182 in Windhoek versus $1,349 in Ubud, Bali.

Windhoek $1,182
Ubud, Bali $1,349

Estimated couple costs with rent: $2,028 in Windhoek versus $2,305 in Ubud, Bali.

Windhoek $2,028
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,875 in Windhoek versus $3,261 in Ubud, Bali.

Windhoek $2,875
Ubud, Bali $3,261

Living in Windhoek costs roughly 12% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$11.47 NAD 192

$3.32 Rp 60.3K

245.48%

Three-Course Dinner for Two, Mid-Range

$64.4 NAD 1,076

$35.64 Rp 646.5K

80.67%

Fast Food Meal (McDonalds, etc)

$6.05 NAD 101

$5.53 Rp 100.4K

9.40%

Cappuccino

$2.28 NAD 38.09

$2.72 Rp 49.3K

-16.18%

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

$0.86 NAD 14.42

$1.70 Rp 30.9K

-49.41%

Water (0.33 liter bottle)

$0.92 NAD 15.42

$0.76 Rp 13.8K

21.05%

Local Beer (0.5 liter draught)

$1.92 NAD 32.14

$2.65 Rp 48.1K

-27.55%

Imported Beer (0.33 liter bottle)

$2.09 NAD 34.88

$4.38 Rp 79.5K

-52.28%

Milk (1 liter)

$1.57 NAD 26.30

$1.49 Rp 27.0K

5.37%

White Bread (500g)

$0.88 NAD 14.73

$2.28 Rp 41.3K

-61.40%

Rice (white) (1kg)

$1.96 NAD 32.68

$1.19 Rp 21.6K

64.71%

Eggs

$3.14 NAD 52.4

$2.04 Rp 36.9K

53.92%

Local Cheese (1kg)

$9.44 NAD 158

$17.70 Rp 321.1K

-46.67%

Chicken Fillets (1kg)

$6.87 NAD 115

$3.96 Rp 71.9K

73.48%

Beef Round Steak (1kg)

$7.66 NAD 128

$12.19 Rp 221.1K

-37.16%

Apples (1kg)

$2.14 NAD 35.80

$3.66 Rp 66.3K

-41.53%

Banana (1kg)

$1.98 NAD 33.06

$1.52 Rp 27.5K

30.26%

Oranges (1kg)

$1.79 NAD 29.88

$2.23 Rp 40.4K

-19.73%

Tomato (1kg)

$1.99 NAD 33.19

$1.97 Rp 35.8K

1.02%

Potato (1kg)

$1.94 NAD 32.39

$1.85 Rp 33.5K

4.86%

Onion (1kg)

$1.80 NAD 30.01

$2.42 Rp 44.0K

-25.62%

Lettuce (1 head)

$1.96 NAD 32.78

$0.99 Rp 18.0K

97.98%

Water (1.5 liter bottle)

$1.07 NAD 17.81

$0.51 Rp 9,313

109.80%

Cigarettes 20 Pack (Marlboro, Camel)

$3.35 NAD 56.0

$2.22 Rp 40.3K

50.90%

Wine (Bottle)

$6.48 NAD 108

$22.24 Rp 403.4K

-70.86%

Local Beer (0.5 liter bottle)

$1.43 NAD 23.91

$2.26 Rp 41.0K

-36.73%

Imported Beer (0.33 liter bottle)

$1.38 NAD 23.13

$2.97 Rp 53.9K

-53.54%

One-way Ticket (Public Transport)

$0.80 NAD 13.30

$0.25 Rp 4,553

220.00%

Public Transport Monthly Pass (Regular Price)

$48.86 NAD 816

$7.82 Rp 141.9K

524.81%

Taxi Start (Normal Tariff)

$0.75 NAD 12.58

$0.44 Rp 7,972

70.45%

Taxi (Normal Tariff) (1km)

$0.94 NAD 15.73

$0.43 Rp 7,801

118.60%

Taxi 1hour Waiting (Normal Tariff)

$15.38 NAD 257

$5.41 Rp 98.1K

184.29%

Gasoline (1 liter)

$1.40 NAD 23.37

$0.82 Rp 15.0K

70.73%

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

$24.6K NAD 410.2K

$23.8K Rp 432.4M

3.00%

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

$31.7K NAD 529.2K

$31.7K Rp 575.9M

-0.23%

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

$138 NAD 2,313

$79.1 Rp 1.4M

75.15%

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

$26.65 NAD 445

$6.45 Rp 116.9K

313.18%

Internet (50+ Mbps, Unlimited Data)

$49.49 NAD 827

$18.58 Rp 337.0K

166.36%

Gym Membership (Monthly)

$36.77 NAD 614

$49.48 Rp 897.5K

-25.69%

Tennis Court (1 Hour on Weekend)

$10.40 NAD 174

$17.65 Rp 320.1K

-41.08%

Cinema Ticket

$5.29 NAD 88.3

$4.27 Rp 77.5K

23.89%

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

$210 NAD 3,516

$491 Rp 8.9M

-57.09%

International Primary School, 1 Child (Yearly)

$5,340 NAD 89.2K

$5,674 Rp 102.9M

-5.88%

Jeans (Levis 501 Or Similar)

$54.2 NAD 905

$44.64 Rp 809.7K

21.37%

Summer Dress (H&M, Zara, etc)

$34.80 NAD 581

$34.95 Rp 634.0K

-0.43%

Sport Shoes (Adidas, Nike)

$88.4 NAD 1,476

$79.9 Rp 1.4M

10.61%

Men's Leather Business Shoes

$94.4 NAD 1,578

$79.4 Rp 1.4M

18.91%

1-bedroom Apartment, City Center (Monthly)

$502 NAD 8,384

$1,125 Rp 20.4M

-55.38%

1-bedroom Apartment, Outside City Center (Monthly)

$358 NAD 5,986

$671 Rp 12.2M

-46.64%

3-bedroom Apartment, City Center (Monthly)

$1,456 NAD 24.3K

$3,565 Rp 64.7M

-59.17%

3-bedroom Apartment, Outside City Center (Monthly)

$974 NAD 16.3K

$1,723 Rp 31.3M

-43.45%

Buy Apartment in City Center (m2)

$1,617 NAD 27.0K

$2,732 Rp 49.5M

-40.81%

Buy Apartment Outside City Center (m2)

$608 NAD 10.2K

$2,284 Rp 41.4M

-73.37%

Average Monthly Net Salary (After Tax)

$997 NAD 16.7K

$164 Rp 3.0M

508.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

11.42

13.78

-17.13%

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

Last update for Windhoek: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Windhoek

$358 30.3%

Ubud, Bali

$672 49.8% 87.4% $313

Groceries & Markets

Windhoek

$223 18.9%

Ubud, Bali

$288 21.4% 29.2% $65

Monthly Utilities & Internet

Windhoek

$215 18.2%

Ubud, Bali

$104 7.7% 51.5% $111

Eating Out

Windhoek

$158 13.4%

Ubud, Bali

$108 8% 31.9% $51

Clothing & Footwear

Windhoek

$122 10.4%

Ubud, Bali

$108 8% 12.1% $15

Getting Around

Windhoek

$58 4.9%

Ubud, Bali

$11 0.9% 80.1% $46

Sport & Entertainment

Windhoek

$47 4%

Ubud, Bali

$58 4.3% 22.6% $11

Cost Breakdown

A one-bedroom apartment in the center runs $502 in Windhoek and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Windhoek pays about 6.1 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $64 in Windhoek vs $36 in Ubud, Bali. Groceries flip the comparison at $223 vs $288, with Windhoek cheaper for home cooking.

Good to know

🇳🇦 Windhoek

🇮🇩 Ubud, Bali

🕒 Local time

07:01 7:01 AM

13:01 1:01 PM

6 h ahead of Windhoek

🌤 Weather

👥 Population

322,500 Capital

74,800

💱 Currency

Namibian Dollar NAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NAD = 5.99 USD

100 NAD = 5.36 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NAD – Namibian Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇦 Namibian Dollar ($)

Namibian Dollar exchange rates as of November 2, 2026: 1 USD = 16.71 NAD (100 NAD = 5.99 USD). 1 EUR = 18.65 NAD (100 NAD = 5.36 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to NAD in detail →

On the map

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Highest

Between locations

Windhoek Ubud, Bali 10,480 km ≈ 14 h nonstop flight

From you

Windhoek
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

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

Windhoek wins on cost – living expenses run 12% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Windhoek the obvious pick if budget is a priority.

Average pay in Windhoek is about 6.1 times higher, 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: $502 in Windhoek versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $210 in Windhoek versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 29% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Windhoek is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.