Last update: Oct 2026

Cost of Living Comparison Between Zambia and Ubud, Bali

For one person, living is cheaper in Zambia: $905 a month against $1,348 in Ubud, Bali, rent and utilities included – about $5,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

44

Cost of Living Index in Zambia
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Zambia Living Index
66

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

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🇿🇲 Zambia

$905

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

😐 Solo nomad: Zambia is 24.1% more expensive than Ubud, Bali without rent, and 32.8% cheaper with rent.

😐 Family of 3: Zambia is 5.5% more expensive than Ubud, Bali without rent, and 29% cheaper with rent.

Meal at Budget Restaurant

$6.84 ZMW 136

$3.33 Rp 59.6K

105.41%

Three-Course Dinner for Two, Mid-Range

$30.13 ZMW 597

$35.42 Rp 633.1K

-14.94%

Fast Food Meal (McDonalds, etc)

$5.20 ZMW 103

$5.76 Rp 102.9K

-9.72%

Cappuccino

$3.03 ZMW 60.1

$2.63 Rp 47.0K

15.21%

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

$0.78 ZMW 15.38

$1.74 Rp 31.0K

-55.17%

Water (0.33 liter bottle)

$0.49 ZMW 9.72

$0.77 Rp 13.8K

-36.36%

Local Beer (0.5 liter draught)

$1.30 ZMW 25.73

$2.71 Rp 48.4K

-52.03%

Imported Beer (0.33 liter bottle)

$2.53 ZMW 50.3

$4.52 Rp 80.8K

-44.03%

Milk (1 liter)

$1.88 ZMW 37.25

$1.53 Rp 27.4K

22.88%

White Bread (500g)

$1.23 ZMW 24.32

$2.20 Rp 39.2K

-44.09%

Rice (white) (1kg)

$2.44 ZMW 48.42

$1.22 Rp 21.8K

100.00%

Eggs

$1.84 ZMW 36.42

$2.14 Rp 38.2K

-14.02%

Local Cheese (1kg)

$10.44 ZMW 207

$17.73 Rp 316.9K

-41.12%

Chicken Fillets (1kg)

$6.54 ZMW 130

$3.86 Rp 68.9K

69.43%

Beef Round Steak (1kg)

$6.13 ZMW 122

$12.03 Rp 215.0K

-49.04%

Apples (1kg)

$3.48 ZMW 68.9

$3.61 Rp 64.5K

-3.60%

Banana (1kg)

$2.14 ZMW 42.42

$1.51 Rp 27.1K

41.72%

Oranges (1kg)

$3.51 ZMW 69.5

$2.32 Rp 41.4K

51.29%

Tomato (1kg)

$1.57 ZMW 31.15

$2.00 Rp 35.8K

-21.50%

Potato (1kg)

$2.81 ZMW 55.7

$1.81 Rp 32.4K

55.25%

Onion (1kg)

$1.90 ZMW 37.77

$2.39 Rp 42.7K

-20.50%

Lettuce (1 head)

$1.15 ZMW 22.88

$0.99 Rp 17.8K

16.16%

Water (1.5 liter bottle)

$0.71 ZMW 14.09

$0.52 Rp 9,373

36.54%

Cigarettes 20 Pack (Marlboro, Camel)

$2.84 ZMW 56.3

$2.18 Rp 39.0K

30.28%

Wine (Bottle)

$10.13 ZMW 201

$22.98 Rp 410.7K

-55.92%

Local Beer (0.5 liter bottle)

$1.41 ZMW 27.94

$2.40 Rp 42.8K

-41.25%

Imported Beer (0.33 liter bottle)

$2.10 ZMW 41.62

$3.00 Rp 53.6K

-30.00%

One-way Ticket (Public Transport)

$0.98 ZMW 19.52

$0.24 Rp 4,255

308.33%

Public Transport Monthly Pass (Regular Price)

$50.2 ZMW 995

$6.99 Rp 125.0K

617.45%

Taxi Start (Normal Tariff)

$2.57 ZMW 50.9

$0.44 Rp 7,876

484.09%

Taxi (Normal Tariff) (1km)

$1.69 ZMW 33.60

$0.42 Rp 7,582

302.38%

Taxi 1hour Waiting (Normal Tariff)

$8.94 ZMW 177

$5.45 Rp 97.4K

64.04%

Gasoline (1 liter)

$1.46 ZMW 28.88

$0.84 Rp 15.1K

73.81%

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

$6,225 ZMW 123.4K

$24.3K Rp 434.8M

-74.41%

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

$38.8K ZMW 768.5K

$31.9K Rp 570.0M

21.53%

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

$89.7 ZMW 1,778

$80.8 Rp 1.4M

10.92%

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

$10.95 ZMW 217

$6.58 Rp 117.6K

66.41%

Internet (50+ Mbps, Unlimited Data)

$58.9 ZMW 1,169

$18.24 Rp 326.1K

223.14%

Gym Membership (Monthly)

$50.3 ZMW 998

$55.1 Rp 985.4K

-8.74%

Tennis Court (1 Hour on Weekend)

$16.39 ZMW 325

$18.51 Rp 330.9K

-11.45%

Cinema Ticket

$6.80 ZMW 135

$4.24 Rp 75.9K

60.38%

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

$142 ZMW 2,821

$486 Rp 8.7M

-70.70%

International Primary School, 1 Child (Yearly)

$16.8K ZMW 333.1K

$5,676 Rp 101.5M

195.91%

Jeans (Levis 501 Or Similar)

$24.56 ZMW 487

$45.18 Rp 807.6K

-45.64%

Summer Dress (H&M, Zara, etc)

$14.64 ZMW 290

$34.57 Rp 617.9K

-57.65%

Sport Shoes (Adidas, Nike)

$59.2 ZMW 1,174

$79.2 Rp 1.4M

-25.19%

Men's Leather Business Shoes

$75.9 ZMW 1,505

$77.6 Rp 1.4M

-2.25%

1-bedroom Apartment, City Center (Monthly)

$453 ZMW 8,980

$1,127 Rp 20.1M

-59.81%

1-bedroom Apartment, Outside City Center (Monthly)

$174 ZMW 3,443

$674 Rp 12.1M

-74.25%

3-bedroom Apartment, City Center (Monthly)

$1,074 ZMW 21.3K

$3,618 Rp 64.7M

-70.32%

3-bedroom Apartment, Outside City Center (Monthly)

$720 ZMW 14.3K

$1,735 Rp 31.0M

-58.51%

Buy Apartment in City Center (m2)

$3,941 ZMW 78.1K

$2,829 Rp 50.6M

39.30%

Buy Apartment Outside City Center (m2)

$6,414 ZMW 127.2K

$2,307 Rp 41.2M

178.05%

Average Monthly Net Salary (After Tax)

$428 ZMW 8,485

$166 Rp 3.0M

158.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

26.25

13.78

90.49%

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

Last update for Zambia: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Groceries & Markets

Zambia

$240 26.5%

Ubud, Bali

$290 21.4% 21.1% $51

Accommodation & Living

Zambia

$174 19.2%

Ubud, Bali

$674 49.6% 288% $501

Monthly Utilities & Internet

Zambia

$160 17.7%

Ubud, Bali

$106 7.8% 33.8% $54

Eating Out

Zambia

$123 13.7%

Ubud, Bali

$108 8% 12.4% $15

Clothing & Footwear

Zambia

$78 8.7%

Ubud, Bali

$106 7.8% 35.7% $28

Getting Around

Zambia

$65 7.2%

Ubud, Bali

$11 0.8% 83.9% $55

Sport & Entertainment

Zambia

$64 7.1%

Ubud, Bali

$64 4.7% 0.4% $0.3

Good to know

🇿🇲 Zambia

🇮🇩 Ubud, Bali

🕒 Local time

11:48 11:48 AM

17:48 5:48 PM

6 h ahead of Zambia

🌤 Weather

👥 Population

19,610,769

74,800

💱 Currency

Zambian Kwacha ZMW ZK

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 ZMW = 5.04 USD

100 ZMW = 4.5 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, USD, EUR to ZMW – Zambian Kwacha Converter

🇺🇸 United States Dollar ($)

🇿🇲 Zambian Kwacha (ZK)

Zambian Kwacha exchange rates as of October 10, 2026: 1 USD = 19.83 ZMW (100 ZMW = 5.04 USD). 1 EUR = 22.22 ZMW (100 ZMW = 4.5 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

USD to ZMW in detail →

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