Last update: Oct 2026

Cost of Living Comparison Between Zutphen and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,468 in Zutphen, rent and utilities included – about $13,400 less a year. Rent and utilities account for most of the difference.

120

Cost of Living Index in Zutphen
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Zutphen Living Index
66

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

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Zutphen

🇳🇱 Netherlands

$2,468

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,468 in Zutphen versus $1,353 in Ubud, Bali.

Zutphen $2,468
Ubud, Bali $1,353

Estimated couple costs with rent: $3,496 in Zutphen versus $2,297 in Ubud, Bali.

Zutphen $3,496
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $4,525 in Zutphen versus $3,241 in Ubud, Bali.

Zutphen $4,525
Ubud, Bali $3,241

Living in Zutphen is roughly 82% 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: Zutphen 82% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$19.74 €17.55

$3.23 Rp 58.1K

511.15%

Three-Course Dinner for Two, Mid-Range

$45.16 €40.17

$34.88 Rp 627.8K

29.47%

Fast Food Meal (McDonalds, etc)

$12.47 €11.09

$5.70 Rp 102.5K

118.77%

Cappuccino

$3.27 €2.91

$2.62 Rp 47.1K

24.81%

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

$1.72 €1.53

$1.72 Rp 31.0K

Water (0.33 liter bottle)

$3.13 €2.78

$0.81 Rp 14.6K

286.42%

Local Beer (0.5 liter draught)

$8.26 €7.35

$2.65 Rp 47.7K

211.70%

Imported Beer (0.33 liter bottle)

$5.56 €4.94

$4.37 Rp 78.6K

27.23%

Milk (1 liter)

$1.30 €1.16

$1.57 Rp 28.3K

-17.20%

White Bread (500g)

$2.27 €2.02

$2.19 Rp 39.5K

3.65%

Rice (white) (1kg)

$2.48 €2.21

$1.18 Rp 21.2K

110.17%

Eggs

$3.95 €3.51

$2.16 Rp 38.8K

82.87%

Local Cheese (1kg)

$12.58 €11.19

$17.65 Rp 317.7K

-28.73%

Chicken Fillets (1kg)

$5.44 €4.84

$3.78 Rp 68.0K

43.92%

Beef Round Steak (1kg)

$13.19 €11.74

$11.95 Rp 215.1K

10.38%

Apples (1kg)

$2.56 €2.28

$3.60 Rp 64.8K

-28.89%

Banana (1kg)

$2.55 €2.27

$1.59 Rp 28.6K

60.38%

Oranges (1kg)

$1.91 €1.69

$2.31 Rp 41.6K

-17.32%

Tomato (1kg)

$4.34 €3.86

$1.91 Rp 34.3K

127.23%

Potato (1kg)

$1.90 €1.69

$1.78 Rp 32.1K

6.74%

Onion (1kg)

$2.28 €2.03

$2.33 Rp 41.9K

-2.15%

Lettuce (1 head)

$1.28 €1.14

$1.00 Rp 18.0K

28.00%

Water (1.5 liter bottle)

$0.79 €0.71

$0.53 Rp 9,509

49.06%

Cigarettes 20 Pack (Marlboro, Camel)

$13.94 €12.40

$2.29 Rp 41.1K

508.73%

Wine (Bottle)

$6.55 €5.83

$22.07 Rp 397.3K

-70.32%

Local Beer (0.5 liter bottle)

$1.48 €1.32

$2.35 Rp 42.2K

-37.02%

Imported Beer (0.33 liter bottle)

$2.64 €2.35

$2.98 Rp 53.6K

-11.41%

One-way Ticket (Public Transport)

$3.66 €3.25

$0.23 Rp 4,112

1491.30%

Public Transport Monthly Pass (Regular Price)

$86.2 €76.7

$8.90 Rp 160.2K

868.31%

Taxi Start (Normal Tariff)

$4.08 €3.63

$0.47 Rp 8,466

768.09%

Taxi (Normal Tariff) (1km)

$3.36 €2.99

$0.43 Rp 7,737

681.40%

Taxi 1hour Waiting (Normal Tariff)

$28.18 €25.06

$5.47 Rp 98.4K

415.17%

Gasoline (1 liter)

$2.42 €2.15

$0.83 Rp 14.9K

191.57%

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

$42.1K €37.5K

$23.9K Rp 429.8M

76.48%

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

$40.0K €35.6K

$32.8K Rp 590.1M

22.05%

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

$296 €263

$80.0 Rp 1.4M

269.90%

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

$17.39 €15.47

$6.56 Rp 118.1K

165.09%

Internet (50+ Mbps, Unlimited Data)

$49.06 €43.64

$18.60 Rp 334.8K

163.76%

Gym Membership (Monthly)

$40.64 €36.15

$54.1 Rp 974.1K

-24.91%

Tennis Court (1 Hour on Weekend)

$22.66 €20.15

$18.28 Rp 329.0K

23.96%

Cinema Ticket

$15.34 €13.65

$4.25 Rp 76.5K

260.94%

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

$1,260 €1,121

$493 Rp 8.9M

155.78%

International Primary School, 1 Child (Yearly)

$11.0K €9,818

$5,597 Rp 100.7M

97.20%

Jeans (Levis 501 Or Similar)

$82.3 €73.2

$45.58 Rp 820.4K

80.50%

Summer Dress (H&M, Zara, etc)

$38.44 €34.20

$34.96 Rp 629.4K

9.95%

Sport Shoes (Adidas, Nike)

$113 €101

$77.7 Rp 1.4M

45.43%

Men's Leather Business Shoes

$126 €112

$78.5 Rp 1.4M

60.83%

1-bedroom Apartment, City Center (Monthly)

$1,428 €1,270

$1,131 Rp 20.4M

26.20%

1-bedroom Apartment, Outside City Center (Monthly)

$1,170 €1,041

$673 Rp 12.1M

73.94%

3-bedroom Apartment, City Center (Monthly)

$2,449 €2,179

$3,613 Rp 65.0M

-32.20%

3-bedroom Apartment, Outside City Center (Monthly)

$1,883 €1,675

$1,702 Rp 30.6M

10.66%

Buy Apartment in City Center (m2)

$4,701 €4,182

$2,717 Rp 48.9M

73.01%

Buy Apartment Outside City Center (m2)

$4,613 €4,104

$2,241 Rp 40.3M

105.85%

Average Monthly Net Salary (After Tax)

$6,071 €5,400

$166 Rp 3.0M

3548.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.42

13.78

-67.92%

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

Last update for Zutphen: October 17, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Zutphen

$1.2K 47.4%

Ubud, Bali

$673 49.7% 42.5% $498

Monthly Utilities & Internet

Zutphen

$362 14.7%

Ubud, Bali

$105 7.8% 71% $257

Eating Out

Zutphen

$306 12.4%

Ubud, Bali

$106 7.9% 65.3% $200

Groceries & Markets

Zutphen

$274 11.1%

Ubud, Bali

$287 21.2% 4.7% $13

Clothing & Footwear

Zutphen

$162 6.6%

Ubud, Bali

$107 7.9% 34.2% $55

Getting Around

Zutphen

$122 4.9%

Ubud, Bali

$12 0.9% 89.8% $109

Sport & Entertainment

Zutphen

$71 2.9%

Ubud, Bali

$63 4.6% 12.2% $8.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,428 in Zutphen and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zutphen pays 3549% 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: $45.00 in Zutphen vs $35.00 in Ubud, Bali. Groceries flip the comparison at $274 vs $287, with Zutphen cheaper for home cooking.

Good to know

🇳🇱 Zutphen

🇮🇩 Ubud, Bali

🕒 Local time

12:20 12:20 PM

18:20 6:20 PM

6 h ahead of Zutphen

🌤 Weather

👥 Population

38,642

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 22, 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 EUR in detail →

On the map

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Between locations

Zutphen Ubud, Bali 12,050 km ≈ 16 h nonstop flight

From you

Zutphen
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

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

Ubud, Bali wins on cost – living expenses run 82% lower than in Zutphen. 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 3549% higher in Zutphen, 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: $1,428 in Zutphen versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,260 in Zutphen versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zutphen pay roughly 5% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $2,468 in Zutphen, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zutphen. 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 $1,353 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Zutphen 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 82% less than in Zutphen. Beyond cost, consider language, visa policies, and how big the international community is in each city.