Last update: Oct 2026

Cost of Living Comparison Between Cagayan de Oro City and Ubud, Bali

For one person, living is cheaper in Cagayan de Oro City: $771 a month against $1,368 in Ubud, Bali, rent and utilities included – about $7,200 less a year. Rent and utilities account for most of the difference.

37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index
67

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

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Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $771 in Cagayan de Oro City versus $1,368 in Ubud, Bali.

Cagayan de Oro City $771
Ubud, Bali $1,368

Estimated couple costs with rent: $1,141 in Cagayan de Oro City versus $2,314 in Ubud, Bali.

Cagayan de Oro City $1,141
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $1,511 in Cagayan de Oro City versus $3,260 in Ubud, Bali.

Cagayan de Oro City $1,511
Ubud, Bali $3,260

Living in Cagayan de Oro City costs roughly 44% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Cagayan de Oro City is 43% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$3.68 ₱231

$3.33 Rp 59.9K

10.51%

Three-Course Dinner for Two, Mid-Range

$12.80 ₱806

$35.18 Rp 633.2K

-63.62%

Fast Food Meal (McDonalds, etc)

$3.05 ₱192

$5.80 Rp 104.5K

-47.41%

Cappuccino

$2.33 ₱147

$2.73 Rp 49.1K

-14.65%

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

$0.76 ₱47.91

$1.64 Rp 29.5K

-53.66%

Water (0.33 liter bottle)

$0.64 ₱39.98

$0.83 Rp 15.0K

-22.89%

Local Beer (0.5 liter draught)

$1.38 ₱86.9

$2.70 Rp 48.6K

-48.89%

Imported Beer (0.33 liter bottle)

$1.98 ₱124

$4.30 Rp 77.4K

-53.95%

Milk (1 liter)

$1.48 ₱93.4

$1.50 Rp 27.1K

-1.33%

White Bread (500g)

$0.89 ₱56.2

$2.30 Rp 41.4K

-61.30%

Rice (white) (1kg)

$0.92 ₱58.0

$1.18 Rp 21.2K

-22.03%

Eggs

$2.17 ₱137

$2.14 Rp 38.6K

1.40%

Local Cheese (1kg)

$8.67 ₱546

$17.48 Rp 314.6K

-50.40%

Chicken Fillets (1kg)

$3.29 ₱207

$4.03 Rp 72.5K

-18.36%

Beef Round Steak (1kg)

$5.76 ₱363

$12.23 Rp 220.1K

-52.90%

Apples (1kg)

$2.05 ₱129

$3.55 Rp 63.9K

-42.25%

Banana (1kg)

$1.08 ₱68.3

$1.57 Rp 28.3K

-31.21%

Oranges (1kg)

$2.38 ₱150

$2.24 Rp 40.2K

6.25%

Tomato (1kg)

$1.14 ₱71.9

$1.93 Rp 34.7K

-40.93%

Potato (1kg)

$1.92 ₱121

$1.88 Rp 33.9K

2.13%

Onion (1kg)

$2.53 ₱159

$2.29 Rp 41.3K

10.48%

Lettuce (1 head)

$0.76 ₱47.87

$0.99 Rp 17.9K

-23.23%

Water (1.5 liter bottle)

$0.48 ₱30.30

$0.53 Rp 9,475

-9.43%

Cigarettes 20 Pack (Marlboro, Camel)

$3.02 ₱190

$2.28 Rp 41.1K

32.46%

Wine (Bottle)

$3.97 ₱250

$23.01 Rp 414.2K

-82.75%

Local Beer (0.5 liter bottle)

$1.22 ₱77.0

$2.34 Rp 42.2K

-47.86%

Imported Beer (0.33 liter bottle)

$1.93 ₱122

$2.91 Rp 52.4K

-33.68%

One-way Ticket (Public Transport)

$0.41 ₱25.99

$0.24 Rp 4,315

70.83%

Public Transport Monthly Pass (Regular Price)

$9.84 ₱620

$8.82 Rp 158.7K

11.56%

Taxi Start (Normal Tariff)

$0.63 ₱39.57

$0.48 Rp 8,684

31.25%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.18

$0.46 Rp 8,233

-54.35%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱122

$5.45 Rp 98.2K

-64.40%

Gasoline (1 liter)

$1.08 ₱67.8

$0.88 Rp 15.9K

22.73%

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

$21.1K ₱1.3M

$24.6K Rp 442.2M

-13.92%

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

$18.9K ₱1.2M

$31.2K Rp 561.4M

-39.42%

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

$137 ₱8,600

$83.0 Rp 1.5M

64.56%

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

$22.77 ₱1,433

$6.45 Rp 116.0K

253.02%

Internet (50+ Mbps, Unlimited Data)

$30.51 ₱1,921

$18.57 Rp 334.2K

64.30%

Gym Membership (Monthly)

$20.70 ₱1,303

$55.8 Rp 1.0M

-62.92%

Tennis Court (1 Hour on Weekend)

$2.87 ₱181

$18.11 Rp 326.0K

-84.15%

Cinema Ticket

$4.55 ₱286

$4.38 Rp 78.9K

3.88%

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

$66.4 ₱4,181

$493 Rp 8.9M

-86.53%

International Primary School, 1 Child (Yearly)

$2,257 ₱142.1K

$5,754 Rp 103.6M

-60.77%

Jeans (Levis 501 Or Similar)

$31.71 ₱1,997

$46.19 Rp 831.4K

-31.35%

Summer Dress (H&M, Zara, etc)

$13.08 ₱824

$35.33 Rp 636.0K

-62.98%

Sport Shoes (Adidas, Nike)

$52.4 ₱3,300

$79.1 Rp 1.4M

-33.72%

Men's Leather Business Shoes

$39.65 ₱2,496

$78.4 Rp 1.4M

-49.42%

1-bedroom Apartment, City Center (Monthly)

$377 ₱23.8K

$1,142 Rp 20.6M

-66.96%

1-bedroom Apartment, Outside City Center (Monthly)

$229 ₱14.4K

$676 Rp 12.2M

-66.18%

3-bedroom Apartment, City Center (Monthly)

$693 ₱43.7K

$3,503 Rp 63.1M

-80.20%

3-bedroom Apartment, Outside City Center (Monthly)

$452 ₱28.5K

$1,700 Rp 30.6M

-73.41%

Buy Apartment in City Center (m2)

$1,604 ₱101.0K

$2,784 Rp 50.1M

-42.40%

Buy Apartment Outside City Center (m2)

$951 ₱59.9K

$2,241 Rp 40.3M

-57.56%

Average Monthly Net Salary (After Tax)

$302 ₱19.0K

$165 Rp 3.0M

83.73%

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 Cagayan de Oro City: October 13, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cagayan de Oro City

$229 29.6%

Ubud, Bali

$676 49.4% 196% $447

Monthly Utilities & Internet

Cagayan de Oro City

$190 24.6%

Ubud, Bali

$108 7.9% 43.1% $82

Groceries & Markets

Cagayan de Oro City

$165 21.4%

Ubud, Bali

$290 21.2% 75.6% $125

Eating Out

Cagayan de Oro City

$83 10.8%

Ubud, Bali

$109 8% 31.1% $26

Clothing & Footwear

Cagayan de Oro City

$62 8%

Ubud, Bali

$108 7.9% 74.6% $46

Sport & Entertainment

Cagayan de Oro City

$30 3.9%

Ubud, Bali

$65 4.7% 117% $35

Getting Around

Cagayan de Oro City

$13 1.7%

Ubud, Bali

$13 0.9% 4.7% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $377 in Cagayan de Oro City and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 84% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $13.00 in Cagayan de Oro City vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $165 vs $290 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇵🇭 Cagayan de Oro City

🇮🇩 Ubud, Bali

🕒 Local time

01:35 1:35 AM

Same time as Cagayan de Oro City

🌤 Weather

👥 Population

728,402

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.56 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 October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Cagayan de Oro City Ubud, Bali 2,160 km ≈ 3 h 15 min nonstop flight

From you

Cagayan de Oro City
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

Cagayan de Oro City vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Cagayan de Oro City and Ubud, Bali differ by about 77% in total monthly costs ($771 vs $1,368 including rent). Cagayan de Oro City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 84% higher in Cagayan de Oro City, 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: $377 in Cagayan de Oro City versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 76% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cagayan de Oro City – a meal for two runs $13.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $771 in Cagayan de Oro City versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Cagayan de Oro City but tight or insufficient in Ubud, Bali. The gap between the two cities makes Cagayan de Oro City the clear choice for anyone on this 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, Cagayan de Oro City 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 Cagayan de Oro City gentler on the wallet – expenses run 77% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.