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: $1,245 in Windhoek versus $1,380 in Ubud, Bali.

Estimated couple costs with rent: $2,066 in Windhoek versus $2,368 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,886 in Windhoek versus $3,356 in Ubud, Bali.

Living in Windhoek costs roughly 10% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Windhoek is 8% below, Ubud, Bali is 2% above.

Meal at Budget Restaurant

$11.62 NAD 188

$3.30 Rp 58.9K

252.12%

Three-Course Dinner for Two, Mid-Range

$52.9 NAD 855

$38.28 Rp 682.5K

38.11%

Fast Food Meal (McDonalds, etc)

$5.90 NAD 95.4

$5.48 Rp 97.7K

7.66%

Cappuccino

$2.33 NAD 37.60

$2.63 Rp 47.0K

-11.41%

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

$0.87 NAD 13.98

$1.65 Rp 29.5K

-47.27%

Water (0.33 liter bottle)

$0.95 NAD 15.41

$0.70 Rp 12.6K

35.71%

Local Beer (0.5 liter draught)

$1.83 NAD 29.52

$2.63 Rp 47.0K

-30.42%

Imported Beer (0.33 liter bottle)

$1.98 NAD 32.03

$4.25 Rp 75.8K

-53.41%

Milk (1 liter)

$1.56 NAD 25.26

$1.52 Rp 27.1K

2.63%

White Bread (500g)

$0.99 NAD 15.95

$2.33 Rp 41.5K

-57.51%

Rice (white) (1kg)

$2.17 NAD 35.09

$1.07 Rp 19.2K

102.80%

Eggs

$3.16 NAD 51.0

$2.07 Rp 37.0K

52.66%

Local Cheese (1kg)

$9.75 NAD 158

$17.34 Rp 309.2K

-43.77%

Chicken Fillets (1kg)

$6.88 NAD 111

$4.06 Rp 72.3K

69.46%

Beef Round Steak (1kg)

$7.68 NAD 124

$12.11 Rp 216.0K

-36.58%

Apples (1kg)

$2.32 NAD 37.54

$3.70 Rp 66.0K

-37.30%

Banana (1kg)

$1.97 NAD 31.77

$1.55 Rp 27.7K

27.10%

Oranges (1kg)

$1.93 NAD 31.27

$2.35 Rp 41.8K

-17.87%

Tomato (1kg)

$2.25 NAD 36.40

$1.99 Rp 35.5K

13.07%

Potato (1kg)

$2.15 NAD 34.75

$1.89 Rp 33.7K

13.76%

Onion (1kg)

$1.85 NAD 29.89

$2.18 Rp 38.9K

-15.14%

Lettuce (1 head)

$2.00 NAD 32.40

$1.03 Rp 18.4K

94.17%

Water (1.5 liter bottle)

$1.21 NAD 19.54

$0.52 Rp 9,188

132.69%

Cigarettes 20 Pack (Marlboro, Camel)

$3.30 NAD 53.4

$2.29 Rp 40.9K

44.10%

Wine (Bottle)

$7.31 NAD 118

$23.66 Rp 421.8K

-69.10%

Local Beer (0.5 liter bottle)

$1.44 NAD 23.23

$2.32 Rp 41.5K

-37.93%

Imported Beer (0.33 liter bottle)

$1.45 NAD 23.49

$2.77 Rp 49.4K

-47.65%

One-way Ticket (Public Transport)

$0.79 NAD 12.72

$0.25 Rp 4,405

216.00%

Public Transport Monthly Pass (Regular Price)

$48.97 NAD 792

$8.60 Rp 153.3K

469.42%

Taxi Start (Normal Tariff)

$0.77 NAD 12.46

$0.46 Rp 8,115

67.39%

Taxi (Normal Tariff) (1km)

$0.97 NAD 15.71

$0.43 Rp 7,654

125.58%

Taxi 1hour Waiting (Normal Tariff)

$16.22 NAD 262

$5.60 Rp 99.8K

189.64%

Gasoline (1 liter)

$1.41 NAD 22.78

$0.80 Rp 14.3K

76.25%

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

$24.8K NAD 400.9K

$24.1K Rp 430.6M

2.71%

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

$29.4K NAD 474.6K

$31.6K Rp 563.3M

-7.06%

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

$142 NAD 2,291

$81.1 Rp 1.4M

74.70%

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

$27.98 NAD 452

$6.51 Rp 116.0K

329.80%

Internet (50+ Mbps, Unlimited Data)

$48.61 NAD 786

$18.71 Rp 333.6K

159.81%

Gym Membership (Monthly)

$38.51 NAD 623

$55.7 Rp 993.0K

-30.85%

Tennis Court (1 Hour on Weekend)

$10.65 NAD 172

$18.19 Rp 324.3K

-41.45%

Cinema Ticket

$5.54 NAD 89.6

$4.34 Rp 77.3K

27.65%

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

$210 NAD 3,402

$478 Rp 8.5M

-55.94%

International Primary School, 1 Child (Yearly)

$5,465 NAD 88.3K

$5,798 Rp 103.4M

-5.74%

Jeans (Levis 501 Or Similar)

$57.3 NAD 926

$46.95 Rp 837.1K

22.02%

Summer Dress (H&M, Zara, etc)

$35.53 NAD 574

$35.69 Rp 636.3K

-0.45%

Sport Shoes (Adidas, Nike)

$91.5 NAD 1,479

$79.5 Rp 1.4M

15.18%

Men's Leather Business Shoes

$100 NAD 1,621

$80.8 Rp 1.4M

24.09%

1-bedroom Apartment, City Center (Monthly)

$551 NAD 8,904

$1,138 Rp 20.3M

-51.60%

1-bedroom Apartment, Outside City Center (Monthly)

$384 NAD 6,205

$691 Rp 12.3M

-44.47%

3-bedroom Apartment, City Center (Monthly)

$1,188 NAD 19.2K

$3,595 Rp 64.1M

-66.95%

3-bedroom Apartment, Outside City Center (Monthly)

$986 NAD 15.9K

$1,712 Rp 30.5M

-42.40%

Buy Apartment in City Center (m2)

$1,616 NAD 26.1K

$2,809 Rp 50.1M

-42.47%

Buy Apartment Outside City Center (m2)

$613 NAD 9,910

$2,295 Rp 40.9M

-73.29%

Average Monthly Net Salary (After Tax)

$1,009 NAD 16.3K

$171 Rp 3.0M

489.63%

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: August 10, 2026

Last update for Ubud, Bali: August 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $551 in Windhoek and $1,138 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Windhoek pays 490% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $53.0 in Windhoek vs $38.00 in Ubud, Bali. Groceries flip the comparison at $233 vs $292, 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 11% 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 490% 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: $551 in Windhoek versus $1,138 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $210 in Windhoek versus $478 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 25% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,245 in Windhoek versus $1,380 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 $1,245 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 11% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.