Last update: Oct 2026

Cost of Living Comparison Between Zakopane and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,490 in Zakopane, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Zakopane outweigh lower spending on other living expenses.

73

Cost of Living Index in Zakopane
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Zakopane Living Index
67

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

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Zakopane

🇵🇱 Poland

$1,490

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,490 in Zakopane versus $1,368 in Ubud, Bali.

Zakopane $1,490
Ubud, Bali $1,368

Estimated couple costs with rent: $2,250 in Zakopane versus $2,314 in Ubud, Bali.

Zakopane $2,250
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,010 in Zakopane versus $3,260 in Ubud, Bali.

Zakopane $3,010
Ubud, Bali $3,260

Living in Zakopane is roughly 9% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Zakopane 10% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$8.30 zł 32.25

$3.33 Rp 59.9K

149.25%

Three-Course Dinner for Two, Mid-Range

$28.27 zł 110

$35.18 Rp 633.2K

-19.64%

Fast Food Meal (McDonalds, etc)

$8.30 zł 32.26

$5.80 Rp 104.5K

43.10%

Cappuccino

$3.53 zł 13.70

$2.73 Rp 49.1K

29.30%

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

$2.63 zł 10.21

$1.64 Rp 29.5K

60.37%

Water (0.33 liter bottle)

$1.98 zł 7.69

$0.83 Rp 15.0K

138.55%

Local Beer (0.5 liter draught)

$2.45 zł 9.51

$2.70 Rp 48.6K

-9.26%

Imported Beer (0.33 liter bottle)

$4.47 zł 17.36

$4.30 Rp 77.4K

3.95%

Milk (1 liter)

$0.98 zł 3.80

$1.50 Rp 27.1K

-34.67%

White Bread (500g)

$1.20 zł 4.67

$2.30 Rp 41.4K

-47.83%

Rice (white) (1kg)

$1.24 zł 4.81

$1.18 Rp 21.2K

5.08%

Eggs

$2.35 zł 9.14

$2.14 Rp 38.6K

9.81%

Local Cheese (1kg)

$6.61 zł 25.67

$17.48 Rp 314.6K

-62.19%

Chicken Fillets (1kg)

$5.01 zł 19.47

$4.03 Rp 72.5K

24.32%

Beef Round Steak (1kg)

$5.24 zł 20.35

$12.23 Rp 220.1K

-57.15%

Apples (1kg)

$0.73 zł 2.82

$3.55 Rp 63.9K

-79.44%

Banana (1kg)

$1.38 zł 5.37

$1.57 Rp 28.3K

-12.10%

Oranges (1kg)

$1.42 zł 5.52

$2.24 Rp 40.2K

-36.61%

Tomato (1kg)

$2.50 zł 9.73

$1.93 Rp 34.7K

29.53%

Potato (1kg)

$0.29 zł 1.15

$1.88 Rp 33.9K

-84.57%

Onion (1kg)

$0.89 zł 3.47

$2.29 Rp 41.3K

-61.14%

Lettuce (1 head)

$0.67 zł 2.59

$0.99 Rp 17.9K

-32.32%

Water (1.5 liter bottle)

$0.59 zł 2.29

$0.53 Rp 9,475

11.32%

Cigarettes 20 Pack (Marlboro, Camel)

$4.27 zł 16.59

$2.28 Rp 41.1K

87.28%

Wine (Bottle)

$4.67 zł 18.16

$23.01 Rp 414.2K

-79.70%

Local Beer (0.5 liter bottle)

$1.04 zł 4.04

$2.34 Rp 42.2K

-55.56%

Imported Beer (0.33 liter bottle)

$1.55 zł 6.04

$2.91 Rp 52.4K

-46.74%

One-way Ticket (Public Transport)

$1.26 zł 4.89

$0.24 Rp 4,315

425.00%

Public Transport Monthly Pass (Regular Price)

$43.21 zł 168

$8.82 Rp 158.7K

389.91%

Taxi Start (Normal Tariff)

$1.52 zł 5.90

$0.48 Rp 8,684

216.67%

Taxi (Normal Tariff) (1km)

$0.73 zł 2.85

$0.46 Rp 8,233

58.70%

Taxi 1hour Waiting (Normal Tariff)

$5.05 zł 19.60

$5.45 Rp 98.2K

-7.34%

Gasoline (1 liter)

$1.60 zł 6.20

$0.88 Rp 15.9K

81.82%

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

$31.0K zł 120.6K

$24.6K Rp 442.2M

26.39%

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

$23.7K zł 92.2K

$31.2K Rp 561.4M

-23.93%

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

$244 zł 949

$83.0 Rp 1.5M

194.23%

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

$7.80 zł 30.30

$6.45 Rp 116.0K

20.93%

Internet (50+ Mbps, Unlimited Data)

$17.08 zł 66.3

$18.57 Rp 334.2K

-8.02%

Gym Membership (Monthly)

$8.84 zł 34.35

$55.8 Rp 1.0M

-84.16%

Tennis Court (1 Hour on Weekend)

$13.61 zł 52.9

$18.11 Rp 326.0K

-24.85%

Cinema Ticket

$7.32 zł 28.43

$4.38 Rp 78.9K

67.12%

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

$310 zł 1,205

$493 Rp 8.9M

-37.10%

International Primary School, 1 Child (Yearly)

$2,254 zł 8,759

$5,754 Rp 103.6M

-60.82%

Jeans (Levis 501 Or Similar)

$53.9 zł 210

$46.19 Rp 831.4K

16.78%

Summer Dress (H&M, Zara, etc)

$18.93 zł 73.6

$35.33 Rp 636.0K

-46.42%

Sport Shoes (Adidas, Nike)

$50.3 zł 195

$79.1 Rp 1.4M

-36.40%

Men's Leather Business Shoes

$46.60 zł 181

$78.4 Rp 1.4M

-40.55%

1-bedroom Apartment, City Center (Monthly)

$727 zł 2,823

$1,142 Rp 20.6M

-36.41%

1-bedroom Apartment, Outside City Center (Monthly)

$737 zł 2,864

$676 Rp 12.2M

9.10%

3-bedroom Apartment, City Center (Monthly)

$1,278 zł 4,966

$3,503 Rp 63.1M

-63.51%

3-bedroom Apartment, Outside City Center (Monthly)

$1,547 zł 6,010

$1,700 Rp 30.6M

-9.00%

Buy Apartment in City Center (m2)

$5,876 zł 22.8K

$2,784 Rp 50.1M

111.08%

Buy Apartment Outside City Center (m2)

$5,888 zł 22.9K

$2,241 Rp 40.3M

162.80%

Average Monthly Net Salary (After Tax)

$1,568 zł 6,091

$165 Rp 3.0M

852.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.5

13.78

-52.83%

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

Last update for Zakopane: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Zakopane

$737 49.5%

Ubud, Bali

$676 49.4% 8.3% $62

Monthly Utilities & Internet

Zakopane

$269 18.1%

Ubud, Bali

$108 7.9% 59.9% $161

Eating Out

Zakopane

$173 11.6%

Ubud, Bali

$109 8% 37.2% $64

Groceries & Markets

Zakopane

$157 10.5%

Ubud, Bali

$290 21.2% 85% $133

Clothing & Footwear

Zakopane

$76 5.1%

Ubud, Bali

$108 7.9% 40.8% $31

Getting Around

Zakopane

$53 3.6%

Ubud, Bali

$13 0.9% 76.5% $41

Sport & Entertainment

Zakopane

$23 1.6%

Ubud, Bali

$65 4.7% 175% $41

Cost Breakdown

A one-bedroom apartment in the center runs $727 in Zakopane and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zakopane pays 853% 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: $28.00 in Zakopane vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $157 vs $290 per month, with Zakopane cheaper across the board.

Good to know

🇵🇱 Zakopane

🇮🇩 Ubud, Bali

🕒 Local time

23:26 11:26 PM

05:26 5:26 AM

6 h ahead of Zakopane

🌤 Weather

👥 Population

26,662

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 19, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Zakopane Ubud, Bali 11,110 km ≈ 14 h nonstop flight

From you

Zakopane
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

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

Ubud, Bali wins on cost – living expenses run 9% lower than in Zakopane. 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 853% higher in Zakopane, 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: $727 in Zakopane versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $310 in Zakopane versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zakopane pay roughly 85% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,368 in Ubud, Bali versus $1,490 in Zakopane, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zakopane. 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 $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Zakopane 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 9% less than in Zakopane. Beyond cost, consider language, visa policies, and how big the international community is in each city.