Last update: Oct 2026

Cost of Living Comparison Between Winter Haven, FL and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,478 in Winter Haven, FL, rent and utilities included – about $13,500 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Winter Haven, FL
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Winter Haven, FL Living Index
66

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

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Winter Haven, FL

🇺🇸 United States

$2,478

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,478 in Winter Haven, FL versus $1,353 in Ubud, Bali.

Winter Haven, FL $2,478
Ubud, Bali $1,353

Estimated couple costs with rent: $3,641 in Winter Haven, FL versus $2,297 in Ubud, Bali.

Winter Haven, FL $3,641
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $4,805 in Winter Haven, FL versus $3,241 in Ubud, Bali.

Winter Haven, FL $4,805
Ubud, Bali $3,241

Living in Winter Haven, FL is roughly 83% 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: Winter Haven, FL 83% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$19.19 $19.19

$3.23 Rp 58.1K

494.12%

Three-Course Dinner for Two, Mid-Range

$73.5 $73.5

$34.88 Rp 627.8K

110.81%

Fast Food Meal (McDonalds, etc)

$9.52 $9.52

$5.70 Rp 102.5K

67.02%

Cappuccino

$2.97 $2.97

$2.62 Rp 47.1K

13.36%

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

$2.14 $2.14

$1.72 Rp 31.0K

24.42%

Water (0.33 liter bottle)

$1.78 $1.78

$0.81 Rp 14.6K

119.75%

Local Beer (0.5 liter draught)

$5.38 $5.38

$2.65 Rp 47.7K

103.02%

Imported Beer (0.33 liter bottle)

$5.64 $5.64

$4.37 Rp 78.6K

29.06%

Milk (1 liter)

$1.00 $1.00

$1.57 Rp 28.3K

-36.31%

White Bread (500g)

$3.56 $3.56

$2.19 Rp 39.5K

62.56%

Rice (white) (1kg)

$5.82 $5.82

$1.18 Rp 21.2K

393.22%

Eggs

$4.56 $4.56

$2.16 Rp 38.8K

111.11%

Local Cheese (1kg)

$14.21 $14.21

$17.65 Rp 317.7K

-19.49%

Chicken Fillets (1kg)

$10.31 $10.31

$3.78 Rp 68.0K

172.75%

Beef Round Steak (1kg)

$14.48 $14.48

$11.95 Rp 215.1K

21.17%

Apples (1kg)

$5.04 $5.04

$3.60 Rp 64.8K

40.00%

Banana (1kg)

$1.47 $1.47

$1.59 Rp 28.6K

-7.55%

Oranges (1kg)

$5.69 $5.69

$2.31 Rp 41.6K

146.32%

Tomato (1kg)

$3.73 $3.73

$1.91 Rp 34.3K

95.29%

Potato (1kg)

$3.95 $3.95

$1.78 Rp 32.1K

121.91%

Onion (1kg)

$3.75 $3.75

$2.33 Rp 41.9K

60.94%

Lettuce (1 head)

$2.47 $2.47

$1.00 Rp 18.0K

147.00%

Water (1.5 liter bottle)

$2.22 $2.22

$0.53 Rp 9,509

318.87%

Cigarettes 20 Pack (Marlboro, Camel)

$7.75 $7.75

$2.29 Rp 41.1K

238.43%

Wine (Bottle)

$11.11 $11.11

$22.07 Rp 397.3K

-49.66%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.35 Rp 42.2K

-25.53%

Imported Beer (0.33 liter bottle)

$3.29 $3.29

$2.98 Rp 53.6K

10.40%

One-way Ticket (Public Transport)

$3.08 $3.08

$0.23 Rp 4,112

1239.13%

Public Transport Monthly Pass (Regular Price)

$49.06 $49.06

$8.90 Rp 160.2K

451.24%

Taxi Start (Normal Tariff)

$3.46 $3.46

$0.47 Rp 8,466

636.17%

Taxi (Normal Tariff) (1km)

$1.20 $1.20

$0.43 Rp 7,737

179.07%

Taxi 1hour Waiting (Normal Tariff)

$29.79 $29.79

$5.47 Rp 98.4K

444.61%

Gasoline (1 liter)

$0.79 $0.79

$0.83 Rp 14.9K

-4.82%

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

$23.1K $23.1K

$23.9K Rp 429.8M

-3.29%

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

$22.7K $22.7K

$32.8K Rp 590.1M

-30.90%

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

$241 $241

$80.0 Rp 1.4M

201.58%

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

$46.27 $46.27

$6.56 Rp 118.1K

605.34%

Internet (50+ Mbps, Unlimited Data)

$69.6 $69.6

$18.60 Rp 334.8K

274.25%

Gym Membership (Monthly)

$30.09 $30.09

$54.1 Rp 974.1K

-44.40%

Tennis Court (1 Hour on Weekend)

$15.24 $15.24

$18.28 Rp 329.0K

-16.63%

Cinema Ticket

$11.12 $11.12

$4.25 Rp 76.5K

161.65%

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

$592 $592

$493 Rp 8.9M

20.11%

International Primary School, 1 Child (Yearly)

$10.0K $10.0K

$5,597 Rp 100.7M

78.77%

Jeans (Levis 501 Or Similar)

$45.74 $45.74

$45.58 Rp 820.4K

0.35%

Summer Dress (H&M, Zara, etc)

$41.08 $41.08

$34.96 Rp 629.4K

17.51%

Sport Shoes (Adidas, Nike)

$74.1 $74.1

$77.7 Rp 1.4M

-4.64%

Men's Leather Business Shoes

$74.5 $74.5

$78.5 Rp 1.4M

-5.09%

1-bedroom Apartment, City Center (Monthly)

$1,410 $1,410

$1,131 Rp 20.4M

24.66%

1-bedroom Apartment, Outside City Center (Monthly)

$1,226 $1,226

$673 Rp 12.1M

82.24%

3-bedroom Apartment, City Center (Monthly)

$2,230 $2,230

$3,613 Rp 65.0M

-38.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,071 $2,071

$1,702 Rp 30.6M

21.72%

Buy Apartment in City Center (m2)

$2,092 $2,092

$2,717 Rp 48.9M

-23.01%

Buy Apartment Outside City Center (m2)

$2,092 $2,092

$2,241 Rp 40.3M

-6.66%

Average Monthly Net Salary (After Tax)

$3,459 $3,459

$166 Rp 3.0M

1979.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

13.78

-52.32%

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

Last update for Winter Haven, FL: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Winter Haven, FL

$1.2K 49.5%

Ubud, Bali

$673 49.7% 45.1% $553

Groceries & Markets

Winter Haven, FL

$394 15.9%

Ubud, Bali

$287 21.2% 27.1% $106

Monthly Utilities & Internet

Winter Haven, FL

$357 14.4%

Ubud, Bali

$105 7.8% 70.6% $252

Eating Out

Winter Haven, FL

$272 11%

Ubud, Bali

$106 7.9% 60.8% $165

Clothing & Footwear

Winter Haven, FL

$106 4.3%

Ubud, Bali

$107 7.9% 0.6% $0.6

Getting Around

Winter Haven, FL

$71 2.9%

Ubud, Bali

$12 0.9% 82.5% $58

Sport & Entertainment

Winter Haven, FL

$52 2.1%

Ubud, Bali

$63 4.6% 19.7% $10

Cost Breakdown

A one-bedroom apartment in the center runs $1,410 in Winter Haven, FL and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Winter Haven, FL pays 1979% 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: $74.0 in Winter Haven, FL vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $394 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Winter Haven, FL

🇮🇩 Ubud, Bali

🕒 Local time

09:57 9:57 AM

21:57 9:57 PM

12 h ahead of Winter Haven, FL

🌤 Weather

👥 Population

49,219

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Winter Haven, FL Ubud, Bali 17,210 km ≈ 22 h nonstop flight

From you

Winter Haven, FL
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

Winter Haven, FL vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 83% lower than in Winter Haven, FL. 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 1979% higher in Winter Haven, FL, 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: $1,410 in Winter Haven, FL versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $592 in Winter Haven, FL 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 37% higher in Winter Haven, FL. For households that cook at home regularly, that difference adds up over a month.

At $1,353 in Ubud, Bali versus $2,478 in Winter Haven, FL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Winter Haven, FL. 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 $1,353 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Winter Haven, FL 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 83% less than in Winter Haven, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.