Last update: Nov 2026

Cost of Living Comparison Between Zamosc and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,394 in Zamosc, rent and utilities included – about $760 less a year. Other living expenses account for most of the difference.

67

Cost of Living Index in Zamosc
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Zamosc Living Index
64

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

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Zamosc

🇵🇱 Poland

$1,394

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,394 in Zamosc versus $1,331 in Ubud, Bali.

Zamosc $1,394
Ubud, Bali $1,331

Estimated couple costs with rent: $2,005 in Zamosc versus $2,255 in Ubud, Bali.

Zamosc $2,005
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $2,616 in Zamosc versus $3,180 in Ubud, Bali.

Zamosc $2,616
Ubud, Bali $3,180

Living in Zamosc is roughly 5% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Zamosc is 3% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$9.30 zł 36.77

$3.38 Rp 61.2K

175.15%

Three-Course Dinner for Two, Mid-Range

$37.44 zł 148

$34.65 Rp 628.6K

8.05%

Fast Food Meal (McDonalds, etc)

$7.06 zł 27.91

$5.57 Rp 101.1K

26.75%

Cappuccino

$2.93 zł 11.58

$2.62 Rp 47.5K

11.83%

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

$1.87 zł 7.41

$1.54 Rp 27.9K

21.43%

Water (0.33 liter bottle)

$1.49 zł 5.90

$0.64 Rp 11.6K

132.81%

Local Beer (0.5 liter draught)

$3.38 zł 13.36

$2.67 Rp 48.4K

26.59%

Imported Beer (0.33 liter bottle)

$3.10 zł 12.24

$4.26 Rp 77.3K

-27.23%

Milk (1 liter)

$1.01 zł 4.01

$1.46 Rp 26.5K

-30.82%

White Bread (500g)

$0.97 zł 3.84

$2.29 Rp 41.6K

-57.64%

Rice (white) (1kg)

$2.14 zł 8.48

$1.11 Rp 20.1K

92.79%

Eggs

$3.37 zł 13.32

$2.10 Rp 38.1K

60.48%

Local Cheese (1kg)

$9.46 zł 37.40

$15.94 Rp 289.2K

-40.65%

Chicken Fillets (1kg)

$5.24 zł 20.70

$3.88 Rp 70.4K

35.05%

Beef Round Steak (1kg)

$14.77 zł 58.4

$11.40 Rp 206.8K

29.56%

Apples (1kg)

$1.11 zł 4.39

$3.55 Rp 64.4K

-68.73%

Banana (1kg)

$1.53 zł 6.06

$1.54 Rp 27.9K

-0.65%

Oranges (1kg)

$1.44 zł 5.68

$2.23 Rp 40.5K

-35.43%

Tomato (1kg)

$1.93 zł 7.63

$1.97 Rp 35.8K

-2.03%

Potato (1kg)

$0.67 zł 2.63

$1.86 Rp 33.7K

-63.98%

Onion (1kg)

$1.19 zł 4.71

$2.42 Rp 43.9K

-50.83%

Lettuce (1 head)

$0.74 zł 2.94

$1.02 Rp 18.6K

-27.45%

Water (1.5 liter bottle)

$0.40 zł 1.57

$0.52 Rp 9,475

-23.08%

Cigarettes 20 Pack (Marlboro, Camel)

$4.95 zł 19.59

$2.20 Rp 39.9K

125.00%

Wine (Bottle)

$5.14 zł 20.32

$21.79 Rp 395.2K

-76.41%

Local Beer (0.5 liter bottle)

$1.02 zł 4.02

$2.33 Rp 42.2K

-56.22%

Imported Beer (0.33 liter bottle)

$1.30 zł 5.16

$2.97 Rp 53.9K

-56.23%

One-way Ticket (Public Transport)

$1.08 zł 4.27

$0.25 Rp 4,542

332.00%

Public Transport Monthly Pass (Regular Price)

$30.10 zł 119

$8.17 Rp 148.3K

268.42%

Taxi Start (Normal Tariff)

$1.99 zł 7.86

$0.44 Rp 7,941

352.27%

Taxi (Normal Tariff) (1km)

$0.67 zł 2.65

$0.47 Rp 8,489

42.55%

Taxi 1hour Waiting (Normal Tariff)

$12.74 zł 50.4

$5.60 Rp 101.6K

127.50%

Gasoline (1 liter)

$1.49 zł 5.89

$0.83 Rp 15.0K

79.52%

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

$30.9K zł 122.0K

$24.4K Rp 443.5M

26.23%

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

$28.2K zł 111.7K

$31.7K Rp 575.0M

-10.88%

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

$254 zł 1,003

$77.5 Rp 1.4M

227.21%

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

$8.10 zł 32.03

$6.14 Rp 111.5K

31.92%

Internet (50+ Mbps, Unlimited Data)

$17.90 zł 70.8

$18.92 Rp 343.1K

-5.39%

Gym Membership (Monthly)

$37.94 zł 150

$51.0 Rp 925.0K

-25.59%

Tennis Court (1 Hour on Weekend)

$21.68 zł 85.7

$18.25 Rp 331.0K

18.79%

Cinema Ticket

$6.41 zł 25.35

$4.38 Rp 79.5K

46.35%

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

$350 zł 1,383

$492 Rp 8.9M

-28.98%

International Primary School, 1 Child (Yearly)

$4,256 zł 16.8K

$12.2K Rp 221.7M

-65.18%

Jeans (Levis 501 Or Similar)

$97.8 zł 387

$45.16 Rp 819.2K

116.65%

Summer Dress (H&M, Zara, etc)

$36.81 zł 146

$34.89 Rp 632.9K

5.50%

Sport Shoes (Adidas, Nike)

$84.8 zł 335

$78.3 Rp 1.4M

8.24%

Men's Leather Business Shoes

$88.5 zł 350

$77.9 Rp 1.4M

13.61%

1-bedroom Apartment, City Center (Monthly)

$598 zł 2,366

$1,078 Rp 19.5M

-44.49%

1-bedroom Apartment, Outside City Center (Monthly)

$517 zł 2,046

$665 Rp 12.1M

-22.18%

3-bedroom Apartment, City Center (Monthly)

$983 zł 3,889

$3,510 Rp 63.7M

-71.98%

3-bedroom Apartment, Outside City Center (Monthly)

$817 zł 3,229

$1,671 Rp 30.3M

-51.13%

Buy Apartment in City Center (m2)

$2,947 zł 11.7K

$2,340 Rp 42.4M

25.96%

Buy Apartment Outside City Center (m2)

$2,168 zł 8,576

$2,236 Rp 40.6M

-3.03%

Average Monthly Net Salary (After Tax)

$772 zł 3,052

$166 Rp 3.0M

363.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

13.78

-48.69%

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

Last update for Zamosc: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Zamosc

$517 37.1%

Ubud, Bali

$665 50% 28.5% $148

Monthly Utilities & Internet

Zamosc

$280 20.1%

Ubud, Bali

$103 7.7% 63.3% $177

Groceries & Markets

Zamosc

$201 14.4%

Ubud, Bali

$279 21% 39.1% $79

Eating Out

Zamosc

$167 12%

Ubud, Bali

$106 8% 36.8% $61

Clothing & Footwear

Zamosc

$139 9.9%

Ubud, Bali

$106 8% 23.3% $32

Sport & Entertainment

Zamosc

$51 3.6%

Ubud, Bali

$60 4.5% 17.7% $9

Getting Around

Zamosc

$40 2.9%

Ubud, Bali

$12 0.9% 69.9% $28

Cost Breakdown

A one-bedroom apartment in the center runs $598 in Zamosc and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zamosc pays about 4.6 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $37 in Zamosc vs $35 in Ubud, Bali. Groceries flip the comparison at $201 vs $279, with Zamosc cheaper for home cooking.

Good to know

🇵🇱 Zamosc

🇮🇩 Ubud, Bali

🕒 Local time

21:03 9:03 PM

04:03 4:03 AM

7 h ahead of Zamosc

🌤 Weather

👥 Population

62,368

74,800

💱 Currency

Polish Złoty PLN zł

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PLN = 0.253 USD

1 PLN = 0.226 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 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 November 3, 2026: 1 USD = 3.95 PLN (1 PLN = 0.253 USD). 1 EUR = 4.42 PLN (1 PLN = 0.226 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

USD to PLN in detail →

On the map

Lowest

Highest

Between locations

Zamosc Ubud, Bali 10,880 km ≈ 14 h nonstop flight

From you

Zamosc
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

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

Ubud, Bali wins on cost – living expenses run 5% lower than in Zamosc. 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 in Zamosc is about 4.6 times higher, 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: $598 in Zamosc versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $350 in Zamosc versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zamosc pay roughly 28% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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, Zamosc and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Zamosc on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.