Last update: Oct 2026

Cost of Living Comparison Between Zatec and Ubud, Bali

For one person, living is cheaper in Zatec: $1,230 a month against $1,368 in Ubud, Bali, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

60

Cost of Living Index in Zatec
Learn more

Zatec Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Zatec

🇨🇿 Czech Republic

$1,230

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,230 in Zatec versus $1,368 in Ubud, Bali.

Zatec $1,230
Ubud, Bali $1,368

Estimated couple costs with rent: $1,888 in Zatec versus $2,314 in Ubud, Bali.

Zatec $1,888
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $2,546 in Zatec versus $3,260 in Ubud, Bali.

Zatec $2,546
Ubud, Bali $3,260

Living in Zatec costs roughly 10% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Zatec is 9% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$6.94 Kč 150

$3.33 Rp 59.9K

108.41%

Three-Course Dinner for Two, Mid-Range

$18.15 Kč 392

$35.18 Rp 633.2K

-48.41%

Fast Food Meal (McDonalds, etc)

$9.23 Kč 200

$5.80 Rp 104.5K

59.14%

Cappuccino

$3.02 Kč 65.2

$2.73 Rp 49.1K

10.62%

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

$0.70 Kč 15.15

$1.64 Rp 29.5K

-57.32%

Water (0.33 liter bottle)

$0.90 Kč 19.44

$0.83 Rp 15.0K

8.43%

Local Beer (0.5 liter draught)

$2.23 Kč 48.15

$2.70 Rp 48.6K

-17.41%

Imported Beer (0.33 liter bottle)

$2.73 Kč 59.0

$4.30 Rp 77.4K

-36.51%

Milk (1 liter)

$0.81 Kč 17.51

$1.50 Rp 27.1K

-46.00%

White Bread (500g)

$1.34 Kč 29.02

$2.30 Rp 41.4K

-41.74%

Rice (white) (1kg)

$2.28 Kč 49.23

$1.18 Rp 21.2K

93.22%

Eggs

$2.49 Kč 53.9

$2.14 Rp 38.6K

16.36%

Local Cheese (1kg)

$5.64 Kč 122

$17.48 Rp 314.6K

-67.73%

Chicken Fillets (1kg)

$5.39 Kč 116

$4.03 Rp 72.5K

33.75%

Beef Round Steak (1kg)

$6.67 Kč 144

$12.23 Rp 220.1K

-45.46%

Apples (1kg)

$1.28 Kč 27.65

$3.55 Rp 63.9K

-63.94%

Banana (1kg)

$1.63 Kč 35.27

$1.57 Rp 28.3K

3.82%

Oranges (1kg)

$2.13 Kč 45.98

$2.24 Rp 40.2K

-4.91%

Tomato (1kg)

$3.26 Kč 70.5

$1.93 Rp 34.7K

68.91%

Potato (1kg)

$0.95 Kč 20.64

$1.88 Rp 33.9K

-49.47%

Onion (1kg)

$1.10 Kč 23.72

$2.29 Rp 41.3K

-51.97%

Lettuce (1 head)

$1.61 Kč 34.71

$0.99 Rp 17.9K

62.63%

Water (1.5 liter bottle)

$0.55 Kč 11.91

$0.53 Rp 9,475

3.77%

Cigarettes 20 Pack (Marlboro, Camel)

$6.06 Kč 131

$2.28 Rp 41.1K

165.79%

Wine (Bottle)

$5.59 Kč 121

$23.01 Rp 414.2K

-75.71%

Local Beer (0.5 liter bottle)

$0.89 Kč 19.33

$2.34 Rp 42.2K

-61.97%

Imported Beer (0.33 liter bottle)

$1.70 Kč 36.68

$2.91 Rp 52.4K

-41.58%

One-way Ticket (Public Transport)

$0.34 Kč 7.26

$0.24 Rp 4,315

41.67%

Public Transport Monthly Pass (Regular Price)

$24.90 Kč 539

$8.82 Rp 158.7K

182.31%

Taxi Start (Normal Tariff)

$2.69 Kč 58.1

$0.48 Rp 8,684

460.42%

Taxi (Normal Tariff) (1km)

$1.87 Kč 40.52

$0.46 Rp 8,233

306.52%

Taxi 1hour Waiting (Normal Tariff)

$16.32 Kč 353

$5.45 Rp 98.2K

199.45%

Gasoline (1 liter)

$1.86 Kč 40.20

$0.88 Rp 15.9K

111.36%

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

$31.4K Kč 678.9K

$24.6K Rp 442.2M

27.79%

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

$29.9K Kč 647.6K

$31.2K Rp 561.4M

-3.99%

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

$297 Kč 6,424

$83.0 Rp 1.5M

257.86%

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

$22.14 Kč 479

$6.45 Rp 116.0K

243.26%

Internet (50+ Mbps, Unlimited Data)

$18.89 Kč 409

$18.57 Rp 334.2K

1.72%

Gym Membership (Monthly)

$49.34 Kč 1,067

$55.8 Rp 1.0M

-11.61%

Tennis Court (1 Hour on Weekend)

$18.33 Kč 396

$18.11 Rp 326.0K

1.21%

Cinema Ticket

$12.79 Kč 277

$4.38 Rp 78.9K

192.01%

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

$726 Kč 15.7K

$493 Rp 8.9M

47.28%

International Primary School, 1 Child (Yearly)

$11.5K Kč 249.0K

$5,754 Rp 103.6M

100.10%

Jeans (Levis 501 Or Similar)

$85.3 Kč 1,845

$46.19 Rp 831.4K

84.74%

Summer Dress (H&M, Zara, etc)

$36.89 Kč 798

$35.33 Rp 636.0K

4.42%

Sport Shoes (Adidas, Nike)

$46.22 Kč 1,000

$79.1 Rp 1.4M

-41.56%

Men's Leather Business Shoes

$122 Kč 2,628

$78.4 Rp 1.4M

55.05%

1-bedroom Apartment, City Center (Monthly)

$351 Kč 7,589

$1,142 Rp 20.6M

-69.28%

1-bedroom Apartment, Outside City Center (Monthly)

$323 Kč 6,991

$676 Rp 12.2M

-52.15%

3-bedroom Apartment, City Center (Monthly)

$1,272 Kč 27.5K

$3,503 Rp 63.1M

-63.70%

3-bedroom Apartment, Outside City Center (Monthly)

$855 Kč 18.5K

$1,700 Rp 30.6M

-49.71%

Buy Apartment in City Center (m2)

$4,790 Kč 103.6K

$2,784 Rp 50.1M

72.07%

Buy Apartment Outside City Center (m2)

$3,585 Kč 77.5K

$2,241 Rp 40.3M

59.99%

Average Monthly Net Salary (After Tax)

$1,163 Kč 25.2K

$165 Rp 3.0M

606.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.67

13.78

-66.11%

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

Last update for Zatec: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Zatec

$338 27.5%

Ubud, Bali

$108 7.9% 68% $230

Accommodation & Living

Zatec

$323 26.3%

Ubud, Bali

$676 49.4% 109% $352

Groceries & Markets

Zatec

$183 14.8%

Ubud, Bali

$290 21.2% 59.1% $108

Eating Out

Zatec

$142 11.6%

Ubud, Bali

$109 8% 23.6% $34

Clothing & Footwear

Zatec

$130 10.6%

Ubud, Bali

$108 7.9% 17.6% $23

Sport & Entertainment

Zatec

$75 6.1%

Ubud, Bali

$65 4.7% 13.8% $10

Getting Around

Zatec

$38 3.1%

Ubud, Bali

$13 0.9% 67.2% $26

Cost Breakdown

A one-bedroom apartment in the center runs $351 in Zatec and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zatec pays 607% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $18.00 in Zatec vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $183 vs $290 per month, with Zatec cheaper across the board.

Good to know

🇨🇿 Zatec

🇮🇩 Ubud, Bali

🕒 Local time

08:30 8:30 AM

14:30 2:30 PM

6 h ahead of Zatec

🌤 Weather

👥 Population

19,522

74,800

💱 Currency

Czech Koruna CZK Kč

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 CZK = 4.62 USD

100 CZK = 4.11 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to CZK – Czech Koruna Converter

🇺🇸 United States Dollar ($)

🇨🇿 Czech Koruna (Kč)

Czech Koruna exchange rates as of October 20, 2026: 1 USD = 21.63 CZK (100 CZK = 4.62 USD). 1 EUR = 24.31 CZK (100 CZK = 4.11 EUR).

Indonesian Rupiah exchange rates as of October 20, 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 CZK in detail →

On the map

Lowest

Highest

Between locations

Zatec Ubud, Bali 11,570 km ≈ 15 h nonstop flight

From you

Zatec
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

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

Zatec wins on cost – living expenses run 11% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Zatec the obvious pick if budget is a priority.

Average pay runs 607% higher in Zatec, 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: $351 in Zatec versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $726 in Zatec 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 59% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,230 in Zatec versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Zatec but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zatec the clear choice for anyone on this budget.

Both work as nomad bases, but Zatec delivers better value – similar infrastructure at $1,230 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zatec hard to pass up.

Safety-wise, Zatec 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 Zatec gentler on the wallet – expenses run 11% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.