Cost of Living Comparison Between Windhoek and Ubud, Bali Cost of Living Comparison Between Windhoek and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,206 in Windhoek versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,057 in Windhoek versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,907 in Windhoek versus $3,327 in Ubud, Bali.

Living in Windhoek costs roughly 12% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Windhoek is 12% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$11.61 NAD 190

$3.44 Rp 60.9K

237.50%

Three-Course Dinner for Two, Mid-Range

$62.1 NAD 1,017

$36.31 Rp 643.0K

71.14%

Fast Food Meal (McDonalds, etc)

$6.11 NAD 100

$5.71 Rp 101.0K

7.01%

Cappuccino

$2.43 NAD 39.71

$2.67 Rp 47.3K

-8.99%

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

$0.89 NAD 14.62

$1.75 Rp 31.0K

-49.14%

Water (0.33 liter bottle)

$0.94 NAD 15.37

$0.87 Rp 15.4K

8.05%

Local Beer (0.5 liter draught)

$2.05 NAD 33.51

$2.95 Rp 52.3K

-30.51%

Imported Beer (0.33 liter bottle)

$2.28 NAD 37.38

$4.52 Rp 80.0K

-49.56%

Milk (1 liter)

$1.64 NAD 26.93

$1.62 Rp 28.7K

1.23%

White Bread (500g)

$0.90 NAD 14.79

$2.33 Rp 41.3K

-61.37%

Rice (white) (1kg)

$2.18 NAD 35.66

$1.11 Rp 19.6K

96.40%

Eggs

$3.11 NAD 50.8

$2.20 Rp 39.0K

41.36%

Local Cheese (1kg)

$9.62 NAD 158

$17.69 Rp 313.3K

-45.62%

Chicken Fillets (1kg)

$6.83 NAD 112

$4.10 Rp 72.5K

66.59%

Beef Round Steak (1kg)

$7.52 NAD 123

$12.18 Rp 215.6K

-38.26%

Apples (1kg)

$2.24 NAD 36.68

$3.71 Rp 65.6K

-39.62%

Banana (1kg)

$1.95 NAD 32.00

$1.59 Rp 28.1K

22.64%

Oranges (1kg)

$1.93 NAD 31.59

$2.28 Rp 40.4K

-15.35%

Tomato (1kg)

$2.19 NAD 35.85

$1.95 Rp 34.6K

12.31%

Potato (1kg)

$2.18 NAD 35.76

$1.91 Rp 33.7K

14.14%

Onion (1kg)

$1.80 NAD 29.41

$2.33 Rp 41.3K

-22.75%

Lettuce (1 head)

$1.97 NAD 32.27

$1.01 Rp 17.8K

95.05%

Water (1.5 liter bottle)

$1.15 NAD 18.80

$0.55 Rp 9,773

109.09%

Cigarettes 20 Pack (Marlboro, Camel)

$3.41 NAD 55.8

$2.23 Rp 39.5K

52.91%

Wine (Bottle)

$7.13 NAD 117

$23.07 Rp 408.6K

-69.09%

Local Beer (0.5 liter bottle)

$1.45 NAD 23.74

$2.42 Rp 42.8K

-40.08%

Imported Beer (0.33 liter bottle)

$1.47 NAD 24.06

$3.00 Rp 53.1K

-51.00%

One-way Ticket (Public Transport)

$0.83 NAD 13.65

$0.27 Rp 4,814

207.41%

Public Transport Monthly Pass (Regular Price)

$48.44 NAD 793

$8.98 Rp 159.1K

439.42%

Taxi Start (Normal Tariff)

$0.84 NAD 13.73

$0.48 Rp 8,566

75.00%

Taxi (Normal Tariff) (1km)

$0.90 NAD 14.81

$0.43 Rp 7,679

109.30%

Taxi 1hour Waiting (Normal Tariff)

$15.77 NAD 258

$5.64 Rp 99.9K

179.61%

Gasoline (1 liter)

$1.38 NAD 22.64

$0.80 Rp 14.2K

72.50%

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

$24.4K NAD 399.8K

$24.9K Rp 441.7M

-2.12%

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

$30.1K NAD 493.0K

$31.7K Rp 561.5M

-5.06%

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

$141 NAD 2,310

$81.5 Rp 1.4M

73.16%

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

$28.22 NAD 462

$6.49 Rp 115.0K

334.82%

Internet (50+ Mbps, Unlimited Data)

$48.44 NAD 793

$18.77 Rp 332.4K

158.07%

Gym Membership (Monthly)

$38.41 NAD 629

$56.9 Rp 1.0M

-32.46%

Tennis Court (1 Hour on Weekend)

$10.56 NAD 173

$18.73 Rp 331.7K

-43.62%

Cinema Ticket

$5.60 NAD 91.6

$4.54 Rp 80.4K

23.35%

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

$211 NAD 3,457

$481 Rp 8.5M

-56.08%

International Primary School, 1 Child (Yearly)

$5,403 NAD 88.5K

$5,711 Rp 101.1M

-5.40%

Jeans (Levis 501 Or Similar)

$57.1 NAD 936

$45.52 Rp 806.0K

25.53%

Summer Dress (H&M, Zara, etc)

$35.44 NAD 580

$35.88 Rp 635.4K

-1.23%

Sport Shoes (Adidas, Nike)

$91.5 NAD 1,499

$80.4 Rp 1.4M

13.87%

Men's Leather Business Shoes

$101 NAD 1,652

$78.7 Rp 1.4M

28.27%

1-bedroom Apartment, City Center (Monthly)

$545 NAD 8,917

$1,115 Rp 19.7M

-51.14%

1-bedroom Apartment, Outside City Center (Monthly)

$385 NAD 6,302

$698 Rp 12.4M

-44.83%

3-bedroom Apartment, City Center (Monthly)

$1,181 NAD 19.3K

$3,637 Rp 64.4M

-67.52%

3-bedroom Apartment, Outside City Center (Monthly)

$963 NAD 15.8K

$1,737 Rp 30.8M

-44.54%

Buy Apartment in City Center (m2)

$1,623 NAD 26.6K

$2,784 Rp 49.3M

-41.70%

Buy Apartment Outside City Center (m2)

$619 NAD 10.1K

$2,290 Rp 40.5M

-72.95%

Average Monthly Net Salary (After Tax)

$1,023 NAD 16.8K

$168 Rp 3.0M

509.18%

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: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $545 in Windhoek and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Windhoek pays 509% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $62.0 in Windhoek vs $36.00 in Ubud, Bali. Groceries flip the comparison at $230 vs $295, with Windhoek cheaper for home cooking.

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 13% 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 runs 509% higher in Windhoek, 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: $545 in Windhoek versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $211 in Windhoek versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,206 in Windhoek versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Windhoek but tight or insufficient in Ubud, Bali. The gap between the two cities makes Windhoek the clear choice for anyone on this budget.

Both work as nomad bases, but Windhoek delivers better value – similar infrastructure at $1,206 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Windhoek hard to pass up.

Safety-wise, Windhoek 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 Windhoek gentler on the wallet – expenses run 13% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.