Last update: Oct 2026

Cost of Living Comparison Between Baguio and Ubud, Bali

For one person, living is cheaper in Baguio: $737 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

36

Cost of Living Index in Baguio
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Baguio Living Index
65

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

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Baguio

🇵🇭 Philippines

$737

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $737 in Baguio versus $1,349 in Ubud, Bali.

Baguio $737
Ubud, Bali $1,349

Estimated couple costs with rent: $1,148 in Baguio versus $2,305 in Ubud, Bali.

Baguio $1,148
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,558 in Baguio versus $3,261 in Ubud, Bali.

Baguio $1,558
Ubud, Bali $3,261

Living in Baguio costs roughly 45% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.92 ₱250

$3.32 Rp 60.2K

18.07%

Three-Course Dinner for Two, Mid-Range

$16.66 ₱1,062

$35.64 Rp 645.8K

-53.25%

Fast Food Meal (McDonalds, etc)

$2.73 ₱174

$5.53 Rp 100.3K

-50.63%

Cappuccino

$1.80 ₱115

$2.72 Rp 49.3K

-33.82%

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

$0.55 ₱35.11

$1.70 Rp 30.8K

-67.65%

Water (0.33 liter bottle)

$0.33 ₱21.22

$0.76 Rp 13.8K

-56.58%

Local Beer (0.5 liter draught)

$0.99 ₱63.4

$2.65 Rp 48.1K

-62.64%

Imported Beer (0.33 liter bottle)

$1.54 ₱97.9

$4.38 Rp 79.4K

-64.84%

Milk (1 liter)

$1.59 ₱101

$1.49 Rp 27.0K

6.71%

White Bread (500g)

$1.14 ₱72.9

$2.28 Rp 41.2K

-50.00%

Rice (white) (1kg)

$0.97 ₱61.5

$1.19 Rp 21.6K

-18.49%

Eggs

$1.99 ₱127

$2.04 Rp 36.9K

-2.45%

Local Cheese (1kg)

$5.11 ₱326

$17.70 Rp 320.8K

-71.13%

Chicken Fillets (1kg)

$3.27 ₱209

$3.96 Rp 71.8K

-17.42%

Beef Round Steak (1kg)

$7.63 ₱486

$12.19 Rp 220.9K

-37.41%

Apples (1kg)

$2.19 ₱140

$3.66 Rp 66.2K

-40.16%

Banana (1kg)

$1.55 ₱99.1

$1.52 Rp 27.5K

1.97%

Oranges (1kg)

$2.26 ₱144

$2.23 Rp 40.4K

1.35%

Tomato (1kg)

$1.02 ₱64.9

$1.97 Rp 35.7K

-48.22%

Potato (1kg)

$1.73 ₱110

$1.85 Rp 33.5K

-6.49%

Onion (1kg)

$1.69 ₱108

$2.42 Rp 43.9K

-30.17%

Lettuce (1 head)

$0.65 ₱41.13

$0.99 Rp 17.9K

-34.34%

Water (1.5 liter bottle)

$0.51 ₱32.66

$0.51 Rp 9,303

Cigarettes 20 Pack (Marlboro, Camel)

$2.94 ₱187

$2.22 Rp 40.3K

32.43%

Wine (Bottle)

$8.50 ₱542

$22.24 Rp 403.0K

-61.78%

Local Beer (0.5 liter bottle)

$0.95 ₱60.3

$2.26 Rp 41.0K

-57.96%

Imported Beer (0.33 liter bottle)

$2.05 ₱131

$2.97 Rp 53.8K

-30.98%

One-way Ticket (Public Transport)

$0.22 ₱14.02

$0.25 Rp 4,548

-12.00%

Public Transport Monthly Pass (Regular Price)

$12.90 ₱822

$7.82 Rp 141.8K

64.96%

Taxi Start (Normal Tariff)

$0.81 ₱51.7

$0.44 Rp 7,964

84.09%

Taxi (Normal Tariff) (1km)

$0.24 ₱15.35

$0.43 Rp 7,793

-44.19%

Taxi 1hour Waiting (Normal Tariff)

$1.90 ₱121

$5.41 Rp 98.0K

-64.88%

Gasoline (1 liter)

$1.19 ₱76.0

$0.82 Rp 14.9K

45.12%

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

$21.3K ₱1.4M

$23.8K Rp 432.0M

-10.83%

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

$18.8K ₱1.2M

$31.7K Rp 575.3M

-40.83%

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

$136 ₱8,660

$79.1 Rp 1.4M

71.91%

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

$17.08 ₱1,088

$6.45 Rp 116.8K

164.81%

Internet (50+ Mbps, Unlimited Data)

$23.01 ₱1,466

$18.58 Rp 336.7K

23.84%

Gym Membership (Monthly)

$20.76 ₱1,323

$49.48 Rp 896.7K

-58.04%

Tennis Court (1 Hour on Weekend)

$5.23 ₱333

$17.65 Rp 319.8K

-70.37%

Cinema Ticket

$5.03 ₱321

$4.27 Rp 77.4K

17.80%

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

$132 ₱8,442

$491 Rp 8.9M

-72.99%

International Primary School, 1 Child (Yearly)

$10.6K ₱672.3K

$5,674 Rp 102.8M

85.96%

Jeans (Levis 501 Or Similar)

$28.91 ₱1,842

$44.64 Rp 808.9K

-35.24%

Summer Dress (H&M, Zara, etc)

$19.53 ₱1,244

$34.95 Rp 633.4K

-44.12%

Sport Shoes (Adidas, Nike)

$71.5 ₱4,556

$79.9 Rp 1.4M

-10.51%

Men's Leather Business Shoes

$54.9 ₱3,497

$79.4 Rp 1.4M

-30.89%

1-bedroom Apartment, City Center (Monthly)

$393 ₱25.1K

$1,125 Rp 20.4M

-65.03%

1-bedroom Apartment, Outside City Center (Monthly)

$192 ₱12.2K

$671 Rp 12.2M

-71.37%

3-bedroom Apartment, City Center (Monthly)

$819 ₱52.2K

$3,565 Rp 64.6M

-77.02%

3-bedroom Apartment, Outside City Center (Monthly)

$463 ₱29.5K

$1,723 Rp 31.2M

-73.15%

Buy Apartment in City Center (m2)

$3,156 ₱201.1K

$2,732 Rp 49.5M

15.53%

Buy Apartment Outside City Center (m2)

$1,526 ₱97.2K

$2,284 Rp 41.4M

-33.20%

Average Monthly Net Salary (After Tax)

$179 ₱11.4K

$164 Rp 3.0M

9.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

13.78

-51.02%

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

Last update for Baguio: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$192 26.1%

Ubud, Bali

$672 49.8% 249% $479

Monthly Utilities & Internet

Baguio

$176 23.9%

Ubud, Bali

$104 7.7% 40.9% $72

Groceries & Markets

Baguio

$171 23.2%

Ubud, Bali

$288 21.4% 68.5% $117

Clothing & Footwear

Baguio

$79 10.7%

Ubud, Bali

$108 8% 36.7% $29

Eating Out

Baguio

$73 9.9%

Ubud, Bali

$108 8% 48% $35

Sport & Entertainment

Baguio

$31 4.2%

Ubud, Bali

$58 4.3% 88.2% $27

Getting Around

Baguio

$16 2.1%

Ubud, Bali

$11 0.9% 27.7% $4.4

Cost Breakdown

A one-bedroom apartment in the center runs $393 in Baguio and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Baguio pays 9% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $17 in Baguio vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $171 vs $288 per month, with Baguio cheaper across the board.

Good to know

🇵🇭 Baguio

🇮🇩 Ubud, Bali

🕒 Local time

23:21 11:21 PM

Same time as Baguio

🌤 Weather

👥 Population

366,358

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 1, 2026: 1 USD = 63.72 PHP (100 PHP = 1.57 USD). 1 EUR = 71.15 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Baguio Ubud, Bali 2,830 km ≈ 4 h nonstop flight

From you

Baguio
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

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

Baguio wins on cost – living expenses run 45% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Baguio the obvious pick if budget is a priority.

Average pay runs 9% higher in Baguio, 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: $393 in Baguio versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $737 per month in Baguio versus $1,349 in Ubud, Bali – Baguio is about 45% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 39% less than in Baguio. The price difference matters if you commute daily and watch your budget.

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