Last update: Oct 2026

Cost of Living Comparison Between David and Ubud, Bali

For one person, living is cheaper in David: $882 a month against $1,368 in Ubud, Bali, rent and utilities included – about $5,800 less a year. Rent and utilities account for about half of the difference.

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

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David

🇵🇦 Panama

$882

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $882 per month in David vs $1,368 in Ubud, Bali, rent included.

David $882
Ubud, Bali $1,368

A couple spends around $946 per month in David vs $2,314 in Ubud, Bali, rent included.

David $946
Ubud, Bali $2,314

A family of three spends $1,011 per month in David vs $3,260 in Ubud, Bali, rent included.

David $1,011
Ubud, Bali $3,260

David is about 36% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

David sits 35% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$5.52 PAB 5.52

$3.33 Rp 59.9K

65.77%

Three-Course Dinner for Two, Mid-Range

$37.03 PAB 37.03

$35.18 Rp 633.2K

5.26%

Fast Food Meal (McDonalds, etc)

$7.27 PAB 7.27

$5.80 Rp 104.5K

25.34%

Cappuccino

$3.13 PAB 3.13

$2.73 Rp 49.1K

14.65%

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

$1.47 PAB 1.47

$1.64 Rp 29.5K

-10.37%

Water (0.33 liter bottle)

$1.52 PAB 1.52

$0.83 Rp 15.0K

83.13%

Local Beer (0.5 liter draught)

$1.99 PAB 1.99

$2.70 Rp 48.6K

-26.30%

Imported Beer (0.33 liter bottle)

$2.72 PAB 2.72

$4.30 Rp 77.4K

-36.74%

Milk (1 liter)

$1.73 PAB 1.73

$1.50 Rp 27.1K

15.33%

White Bread (500g)

$2.26 PAB 2.26

$2.30 Rp 41.4K

-1.74%

Rice (white) (1kg)

$2.46 PAB 2.46

$1.18 Rp 21.2K

108.47%

Eggs

$2.41 PAB 2.41

$2.14 Rp 38.6K

12.62%

Local Cheese (1kg)

$17.48 Rp 314.6K

Chicken Fillets (1kg)

$4.03 Rp 72.5K

Beef Round Steak (1kg)

$12.23 Rp 220.1K

Apples (1kg)

$3.55 Rp 63.9K

Banana (1kg)

$1.57 Rp 28.3K

Oranges (1kg)

$2.24 Rp 40.2K

Tomato (1kg)

$1.93 Rp 34.7K

Potato (1kg)

$1.88 Rp 33.9K

Onion (1kg)

$2.29 Rp 41.3K

Lettuce (1 head)

$1.99 PAB 1.99

$0.99 Rp 17.9K

101.01%

Water (1.5 liter bottle)

$0.53 Rp 9,475

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

Wine (Bottle)

$10.18 PAB 10.18

$23.01 Rp 414.2K

-55.76%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.76 PAB 0.76

$0.24 Rp 4,315

216.67%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.96 PAB 2.96

$0.48 Rp 8,684

516.67%

Taxi (Normal Tariff) (1km)

$2.04 PAB 2.04

$0.46 Rp 8,233

343.48%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

Gasoline (1 liter)

$1.07 PAB 1.07

$0.88 Rp 15.9K

21.59%

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

$25.0K PAB 25.0K

$24.6K Rp 442.2M

1.61%

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

$30.6K PAB 30.6K

$31.2K Rp 561.4M

-2.04%

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

$184 PAB 184

$83.0 Rp 1.5M

121.26%

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

$28.48 PAB 28.48

$6.45 Rp 116.0K

341.55%

Internet (50+ Mbps, Unlimited Data)

$49.40 PAB 49.40

$18.57 Rp 334.2K

166.02%

Gym Membership (Monthly)

$31.21 PAB 31.21

$55.8 Rp 1.0M

-44.09%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

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

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$6,091 PAB 6,091

$5,754 Rp 103.6M

5.87%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

Men's Leather Business Shoes

$78.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$343 PAB 343

$1,142 Rp 20.6M

-69.94%

1-bedroom Apartment, Outside City Center (Monthly)

$354 PAB 354

$676 Rp 12.2M

-47.56%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$604 PAB 604

$165 Rp 3.0M

267.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-49.20%

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

Last update for David: 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

David

–

Ubud, Bali

$676 49.4%

Groceries & Markets

David

–

Ubud, Bali

$290 21.2%

Eating Out

David

–

Ubud, Bali

$109 8%

Monthly Utilities & Internet

David

–

Ubud, Bali

$108 7.9%

Clothing & Footwear

David

–

Ubud, Bali

$108 7.9%

Sport & Entertainment

David

–

Ubud, Bali

$65 4.7%

Getting Around

David

–

Ubud, Bali

$13 0.9%

Cost Breakdown

A central one-bedroom costs $343 in David versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 267% higher in David, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $37.00 in David versus $35.00 in Ubud, Bali. Groceries tell a different story – $88.0 in David vs $290 in Ubud, Bali – so David wins on supermarket bills even if dining out costs more.

Good to know

🇵🇦 David

🇮🇩 Ubud, Bali

🕒 Local time

11:46 11:46 AM

00:46 12:46 AM

13 h ahead of David

🌤 Weather

👥 Population

82,907

74,800

💱 Currency

Panamanian Balboa PAB B/.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PAB = 1 USD

1 PAB = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PAB – Panamanian Balboa Converter

🇺🇸 United States Dollar ($)

🇵🇦 Panamanian Balboa (B/.)

Panamanian Balboa exchange rates as of October 19, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 19, 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 PAB in detail →

On the map

Lowest

Highest

Between locations

David Ubud, Bali 18,070 km ≈ 23 h nonstop flight

From you

David
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

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

Yes – Ubud, Bali is pricier by about 55%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,323 per month in David and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in David, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 231% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $37.00 in David and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in David, where all-in costs run around $882, than in Ubud, Bali at $1,368. In David it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward David – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with David. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.