Last update: Oct 2026

Cost of Living Comparison Between Zephyrhills, FL and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,594 in Zephyrhills, FL, rent and utilities included – about $15,000 less a year. Other living expenses account for most of the difference.

127

Cost of Living Index in Zephyrhills, FL
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Zephyrhills, FL Living Index
66

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

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Zephyrhills, FL

🇺🇸 United States

$2,594

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,594 in Zephyrhills, FL versus $1,348 in Ubud, Bali.

Zephyrhills, FL $2,594
Ubud, Bali $1,348

Estimated couple costs with rent: $3,667 in Zephyrhills, FL versus $2,312 in Ubud, Bali.

Zephyrhills, FL $3,667
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,741 in Zephyrhills, FL versus $3,276 in Ubud, Bali.

Zephyrhills, FL $4,741
Ubud, Bali $3,276

Living in Zephyrhills, FL is roughly 92% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Zephyrhills, FL 94% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$21.44 $21.44

$3.33 Rp 59.6K

543.84%

Three-Course Dinner for Two, Mid-Range

$83.7 $83.7

$35.42 Rp 633.3K

136.39%

Fast Food Meal (McDonalds, etc)

$10.64 $10.64

$5.76 Rp 102.9K

84.72%

Cappuccino

$5.82 $5.82

$2.63 Rp 47.0K

121.29%

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

$2.76 $2.76

$1.74 Rp 31.0K

58.62%

Water (0.33 liter bottle)

$1.80 $1.80

$0.77 Rp 13.8K

133.77%

Local Beer (0.5 liter draught)

$5.12 $5.12

$2.71 Rp 48.4K

88.93%

Imported Beer (0.33 liter bottle)

$8.16 $8.16

$4.52 Rp 80.8K

80.53%

Milk (1 liter)

$1.23 $1.23

$1.53 Rp 27.4K

-19.61%

White Bread (500g)

$2.28 $2.28

$2.20 Rp 39.2K

3.64%

Rice (white) (1kg)

$2.63 $2.63

$1.22 Rp 21.8K

115.57%

Eggs

$3.36 $3.36

$2.14 Rp 38.2K

57.01%

Local Cheese (1kg)

$12.23 $12.23

$17.73 Rp 317.0K

-31.02%

Chicken Fillets (1kg)

$13.00 $13.00

$3.86 Rp 68.9K

236.79%

Beef Round Steak (1kg)

$33.99 $33.99

$12.03 Rp 215.0K

182.54%

Apples (1kg)

$4.51 $4.51

$3.61 Rp 64.5K

24.93%

Banana (1kg)

$1.45 $1.45

$1.51 Rp 27.1K

-3.97%

Oranges (1kg)

$3.17 $3.17

$2.32 Rp 41.5K

36.64%

Tomato (1kg)

$6.37 $6.37

$2.00 Rp 35.8K

218.50%

Potato (1kg)

$3.42 $3.42

$1.81 Rp 32.4K

88.95%

Onion (1kg)

$3.81 $3.81

$2.39 Rp 42.7K

59.41%

Lettuce (1 head)

$3.67 $3.67

$0.99 Rp 17.8K

270.71%

Water (1.5 liter bottle)

$2.22 $2.22

$0.52 Rp 9,375

326.92%

Cigarettes 20 Pack (Marlboro, Camel)

$10.60 $10.60

$2.18 Rp 39.0K

386.24%

Wine (Bottle)

$15.02 $15.02

$22.98 Rp 410.8K

-34.64%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$2.40 Rp 42.8K

-23.33%

Imported Beer (0.33 liter bottle)

$3.60 $3.60

$3.00 Rp 53.6K

20.00%

One-way Ticket (Public Transport)

$1.89 $1.89

$0.24 Rp 4,256

687.50%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$3.54 $3.54

$0.44 Rp 7,877

704.55%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$0.42 Rp 7,584

295.24%

Taxi 1hour Waiting (Normal Tariff)

$25.60 $25.60

$5.45 Rp 97.4K

369.72%

Gasoline (1 liter)

$0.94 $0.94

$0.84 Rp 15.1K

11.90%

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

$34.6K $34.6K

$24.3K Rp 434.9M

42.32%

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

$25.3K $25.3K

$31.9K Rp 570.1M

-20.76%

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

$202 $202

$80.8 Rp 1.4M

149.68%

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

$56.4 $56.4

$6.58 Rp 117.6K

756.69%

Internet (50+ Mbps, Unlimited Data)

$69.4 $69.4

$18.24 Rp 326.1K

280.65%

Gym Membership (Monthly)

$37.11 $37.11

$55.1 Rp 985.6K

-32.69%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.0K

Cinema Ticket

$14.77 $14.77

$4.24 Rp 75.9K

248.35%

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

$1,590 $1,590

$486 Rp 8.7M

227.38%

International Primary School, 1 Child (Yearly)

$22.8K $22.8K

$5,676 Rp 101.5M

300.91%

Jeans (Levis 501 Or Similar)

$52.7 $52.7

$45.18 Rp 807.8K

16.53%

Summer Dress (H&M, Zara, etc)

$37.43 $37.43

$34.57 Rp 618.1K

8.27%

Sport Shoes (Adidas, Nike)

$89.7 $89.7

$79.2 Rp 1.4M

13.35%

Men's Leather Business Shoes

$128 $128

$77.6 Rp 1.4M

64.48%

1-bedroom Apartment, City Center (Monthly)

$1,573 $1,573

$1,127 Rp 20.1M

39.66%

1-bedroom Apartment, Outside City Center (Monthly)

$1,314 $1,314

$674 Rp 12.1M

94.92%

3-bedroom Apartment, City Center (Monthly)

$1,767 $1,767

$3,618 Rp 64.7M

-51.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,738 $1,738

$1,735 Rp 31.0M

0.17%

Buy Apartment in City Center (m2)

$2,357 $2,357

$2,829 Rp 50.6M

-16.67%

Buy Apartment Outside City Center (m2)

$2,585 $2,585

$2,307 Rp 41.2M

12.06%

Average Monthly Net Salary (After Tax)

$3,551 $3,551

$166 Rp 3.0M

2043.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

13.78

-52.32%

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

Last update for Zephyrhills, FL: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Zephyrhills, FL

$1.3K 49.7%

Ubud, Bali

$674 49.6% 48.7% $640

Groceries & Markets

Zephyrhills, FL

$444 16.8%

Ubud, Bali

$290 21.4% 34.7% $154

Eating Out

Zephyrhills, FL

$333 12.6%

Ubud, Bali

$108 8% 67.6% $225

Monthly Utilities & Internet

Zephyrhills, FL

$328 12.4%

Ubud, Bali

$106 7.8% 67.8% $222

Clothing & Footwear

Zephyrhills, FL

$138 5.2%

Ubud, Bali

$106 7.8% 23.1% $32

Sport & Entertainment

Zephyrhills, FL

$67 2.5%

Ubud, Bali

$64 4.7% 4.5% $3

Getting Around

Zephyrhills, FL

$19 * 0.7%

Ubud, Bali

$11 0.8% 45.8% $8.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,573 in Zephyrhills, FL and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zephyrhills, FL pays 2044% 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: $84.0 in Zephyrhills, FL vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $444 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Zephyrhills, FL

🇮🇩 Ubud, Bali

🕒 Local time

18:13 6:13 PM

06:13 6:13 AM

12 h ahead of Zephyrhills, FL

🌤 Weather

👥 Population

18,154

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 12, 2026: 1 USD = 17,879 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,037 IDR (100,000 IDR = 4.99 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Zephyrhills, FL Ubud, Bali 17,160 km ≈ 22 h nonstop flight

From you

Zephyrhills, FL
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

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

Ubud, Bali wins on cost – living expenses run 92% lower than in Zephyrhills, FL. 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 2044% higher in Zephyrhills, FL, 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: $1,573 in Zephyrhills, FL versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Zephyrhills, FL. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,594 per month in Zephyrhills, FL versus $1,348 in Ubud, Bali – a 92% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,348 in Ubud, Bali versus $2,594 in Zephyrhills, FL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zephyrhills, FL. 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 $1,348 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Zephyrhills, FL 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 92% less than in Zephyrhills, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.