Last update: Oct 2026

Cost of Living Comparison Between Yamba NSW and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,331 in Yamba NSW, rent and utilities included – about $11,800 less a year. Rent and utilities account for about half of the difference.

120

Cost of Living Index in Yamba NSW
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Yamba NSW Living Index
65

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

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Yamba NSW

🇦🇺 Australia

$2,331

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,331 in Yamba NSW versus $1,349 in Ubud, Bali.

Yamba NSW $2,331
Ubud, Bali $1,349

Estimated couple costs with rent: $3,399 in Yamba NSW versus $2,305 in Ubud, Bali.

Yamba NSW $3,399
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,466 in Yamba NSW versus $3,261 in Ubud, Bali.

Yamba NSW $4,466
Ubud, Bali $3,261

Living in Yamba NSW is roughly 73% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$17.85 A$25.36

$3.32 Rp 60.4K

437.65%

Three-Course Dinner for Two, Mid-Range

$50.9 A$72.3

$35.64 Rp 647.8K

42.70%

Fast Food Meal (McDonalds, etc)

$11.11 A$15.78

$5.53 Rp 100.6K

100.90%

Cappuccino

$4.52 A$6.42

$2.72 Rp 49.4K

66.18%

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

$2.44 A$3.47

$1.70 Rp 30.9K

43.53%

Water (0.33 liter bottle)

$2.05 A$2.91

$0.76 Rp 13.8K

169.74%

Local Beer (0.5 liter draught)

$7.90 A$11.22

$2.65 Rp 48.2K

198.11%

Imported Beer (0.33 liter bottle)

$6.96 A$9.89

$4.38 Rp 79.6K

58.90%

Milk (1 liter)

$1.62 A$2.30

$1.49 Rp 27.1K

8.72%

White Bread (500g)

$2.68 A$3.80

$2.28 Rp 41.4K

17.54%

Rice (white) (1kg)

$2.25 A$3.20

$1.19 Rp 21.6K

89.08%

Eggs

$4.90 A$6.96

$2.04 Rp 37.0K

140.20%

Local Cheese (1kg)

$9.25 A$13.14

$17.70 Rp 321.7K

-47.74%

Chicken Fillets (1kg)

$9.10 A$12.93

$3.96 Rp 72.0K

129.80%

Beef Round Steak (1kg)

$14.23 A$20.22

$12.19 Rp 221.6K

16.74%

Apples (1kg)

$4.34 A$6.16

$3.66 Rp 66.4K

18.58%

Banana (1kg)

$3.17 A$4.51

$1.52 Rp 27.6K

108.55%

Oranges (1kg)

$3.02 A$4.29

$2.23 Rp 40.5K

35.43%

Tomato (1kg)

$4.82 A$6.84

$1.97 Rp 35.9K

144.67%

Potato (1kg)

$2.87 A$4.08

$1.85 Rp 33.6K

55.14%

Onion (1kg)

$2.34 A$3.33

$2.42 Rp 44.1K

-3.31%

Lettuce (1 head)

$2.33 A$3.31

$0.99 Rp 18.0K

135.35%

Water (1.5 liter bottle)

$1.24 A$1.76

$0.51 Rp 9,332

143.14%

Cigarettes 20 Pack (Marlboro, Camel)

$38.44 A$54.6

$2.22 Rp 40.4K

1631.53%

Wine (Bottle)

$12.66 A$17.99

$22.24 Rp 404.2K

-43.08%

Local Beer (0.5 liter bottle)

$5.30 A$7.52

$2.26 Rp 41.1K

134.51%

Imported Beer (0.33 liter bottle)

$4.92 A$6.99

$2.97 Rp 54.0K

65.66%

One-way Ticket (Public Transport)

$2.74 A$3.89

$0.25 Rp 4,562

996.00%

Public Transport Monthly Pass (Regular Price)

$73.1 A$104

$7.82 Rp 142.2K

835.29%

Taxi Start (Normal Tariff)

$3.09 A$4.39

$0.44 Rp 7,989

602.27%

Taxi (Normal Tariff) (1km)

$1.87 A$2.66

$0.43 Rp 7,817

334.88%

Taxi 1hour Waiting (Normal Tariff)

$41.70 A$59.3

$5.41 Rp 98.3K

670.79%

Gasoline (1 liter)

$1.41 A$2.00

$0.82 Rp 15.0K

71.95%

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

$29.8K A$42.4K

$23.8K Rp 433.3M

25.03%

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

$25.5K A$36.3K

$31.7K Rp 577.0M

-19.63%

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

$162 A$231

$79.1 Rp 1.4M

105.50%

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

$26.59 A$37.79

$6.45 Rp 117.2K

312.25%

Internet (50+ Mbps, Unlimited Data)

$60.3 A$85.7

$18.58 Rp 337.7K

224.60%

Gym Membership (Monthly)

$58.0 A$82.4

$49.48 Rp 899.4K

17.26%

Tennis Court (1 Hour on Weekend)

$19.49 A$27.70

$17.65 Rp 320.8K

10.42%

Cinema Ticket

$14.27 A$20.27

$4.27 Rp 77.7K

234.19%

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

$1,974 A$2,805

$491 Rp 8.9M

302.36%

International Primary School, 1 Child (Yearly)

$12.8K A$18.2K

$5,674 Rp 103.1M

126.12%

Jeans (Levis 501 Or Similar)

$84.8 A$121

$44.64 Rp 811.4K

89.99%

Summer Dress (H&M, Zara, etc)

$44.72 A$63.6

$34.95 Rp 635.3K

27.95%

Sport Shoes (Adidas, Nike)

$111 A$158

$79.9 Rp 1.5M

39.25%

Men's Leather Business Shoes

$110 A$156

$79.4 Rp 1.4M

38.53%

1-bedroom Apartment, City Center (Monthly)

$1,424 A$2,023

$1,125 Rp 20.4M

26.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,076 A$1,529

$671 Rp 12.2M

60.25%

3-bedroom Apartment, City Center (Monthly)

$2,037 A$2,895

$3,565 Rp 64.8M

-42.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,765 A$2,507

$1,723 Rp 31.3M

2.40%

Buy Apartment in City Center (m2)

$5,125 A$7,282

$2,732 Rp 49.6M

87.63%

Buy Apartment Outside City Center (m2)

$5,432 A$7,718

$2,284 Rp 41.5M

137.81%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.81

13.78

-57.84%

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

Last update for Yamba NSW: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Yamba NSW

$1.1K 46.2%

Ubud, Bali

$672 49.8% 37.6% $405

Groceries & Markets

Yamba NSW

$363 15.6%

Ubud, Bali

$288 21.4% 20.6% $75

Eating Out

Yamba NSW

$302 12.9%

Ubud, Bali

$108 8% 64.3% $194

Monthly Utilities & Internet

Yamba NSW

$249 10.7%

Ubud, Bali

$104 7.7% 58.3% $145

Clothing & Footwear

Yamba NSW

$158 6.8%

Ubud, Bali

$108 8% 31.9% $50

Getting Around

Yamba NSW

$97 4.1%

Ubud, Bali

$11 0.9% 88.2% $85

Sport & Entertainment

Yamba NSW

$87 3.7%

Ubud, Bali

$58 4.3% 33% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,424 in Yamba NSW and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $51 in Yamba NSW vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $363 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Yamba NSW

🇮🇩 Ubud, Bali

🕒 Local time

19:35 7:35 PM

16:35 4:35 PM

3 h behind Yamba NSW

🌤 Weather

👥 Population

6,913

74,800

💱 Currency

Australian Dollar AUD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AUD = 0.704 USD

1 AUD = 0.631 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 29, 2026: 1 USD = 1.42 AUD (1 AUD = 0.704 USD). 1 EUR = 1.59 AUD (1 AUD = 0.631 EUR).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,282 IDR (100,000 IDR = 4.93 EUR).

USD to AUD in detail →

On the map

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Between locations

Yamba NSW Ubud, Bali 4,600 km ≈ 6 h nonstop flight

From you

Yamba NSW
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

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

Ubud, Bali wins on cost – living expenses run 42% lower than in Yamba NSW. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $3,497 in Yamba NSW and $2,023 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,424 in Yamba NSW versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,974 in Yamba NSW 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 26% higher in Yamba NSW. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali 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.

Safety-wise, Yamba NSW and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 42% less than in Yamba NSW. Beyond cost, consider language, visa policies, and how big the international community is in each city.