Last update: Oct 2026

Cost of Living Comparison Between Koh Phangan and Ubud, Bali

For one person, living is cheaper in Koh Phangan: $1,103 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

53

Cost of Living Index in Koh Phangan
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Koh Phangan Living Index
65

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

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Koh Phangan

🇹🇭 Thailand

$1,103

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,103 in Koh Phangan versus $1,349 in Ubud, Bali.

Koh Phangan $1,103
Ubud, Bali $1,349

Estimated couple costs with rent: $1,874 in Koh Phangan versus $2,305 in Ubud, Bali.

Koh Phangan $1,874
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,646 in Koh Phangan versus $3,261 in Ubud, Bali.

Koh Phangan $2,646
Ubud, Bali $3,261

Living in Koh Phangan costs roughly 18% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.88 ฿131

$3.32 Rp 60.2K

16.87%

Three-Course Dinner for Two, Mid-Range

$28.98 ฿978

$35.64 Rp 645.8K

-18.69%

Fast Food Meal (McDonalds, etc)

$7.88 ฿266

$5.53 Rp 100.3K

42.50%

Cappuccino

$2.46 ฿83.1

$2.72 Rp 49.3K

-9.56%

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

$0.80 ฿27.04

$1.70 Rp 30.8K

-52.94%

Water (0.33 liter bottle)

$0.44 ฿14.89

$0.76 Rp 13.8K

-42.11%

Local Beer (0.5 liter draught)

$2.25 ฿76.0

$2.65 Rp 48.1K

-15.09%

Imported Beer (0.33 liter bottle)

$3.26 ฿110

$4.38 Rp 79.4K

-25.57%

Milk (1 liter)

$1.59 ฿53.6

$1.49 Rp 27.0K

6.71%

White Bread (500g)

$1.38 ฿46.55

$2.28 Rp 41.2K

-39.47%

Rice (white) (1kg)

$1.44 ฿48.45

$1.19 Rp 21.6K

21.01%

Eggs

$2.00 ฿67.3

$2.04 Rp 36.9K

-1.96%

Local Cheese (1kg)

$18.46 ฿623

$17.70 Rp 320.8K

4.29%

Chicken Fillets (1kg)

$3.29 ฿111

$3.96 Rp 71.8K

-16.92%

Beef Round Steak (1kg)

$10.67 ฿360

$12.19 Rp 220.9K

-12.47%

Apples (1kg)

$2.72 ฿91.7

$3.66 Rp 66.2K

-25.68%

Banana (1kg)

$1.54 ฿52.0

$1.52 Rp 27.5K

1.32%

Oranges (1kg)

$2.07 ฿69.8

$2.23 Rp 40.4K

-7.17%

Tomato (1kg)

$1.93 ฿65.2

$1.97 Rp 35.7K

-2.03%

Potato (1kg)

$1.44 ฿48.59

$1.85 Rp 33.5K

-22.16%

Onion (1kg)

$1.23 ฿41.64

$2.42 Rp 43.9K

-49.17%

Lettuce (1 head)

$1.07 ฿35.96

$0.99 Rp 17.9K

8.08%

Water (1.5 liter bottle)

$0.48 ฿16.04

$0.51 Rp 9,303

-5.88%

Cigarettes 20 Pack (Marlboro, Camel)

$4.04 ฿136

$2.22 Rp 40.3K

81.98%

Wine (Bottle)

$17.83 ฿602

$22.24 Rp 403.0K

-19.83%

Local Beer (0.5 liter bottle)

$1.70 ฿57.4

$2.26 Rp 41.0K

-24.78%

Imported Beer (0.33 liter bottle)

$2.65 ฿89.5

$2.97 Rp 53.8K

-10.77%

One-way Ticket (Public Transport)

$1.32 ฿44.60

$0.25 Rp 4,548

428.00%

Public Transport Monthly Pass (Regular Price)

$49.08 ฿1,656

$7.82 Rp 141.8K

527.62%

Taxi Start (Normal Tariff)

$2.61 ฿88.2

$0.44 Rp 7,964

493.18%

Taxi (Normal Tariff) (1km)

$0.96 ฿32.41

$0.43 Rp 7,793

123.26%

Taxi 1hour Waiting (Normal Tariff)

$3.32 ฿112

$5.41 Rp 98.0K

-38.63%

Gasoline (1 liter)

$1.33 ฿44.95

$0.82 Rp 14.9K

62.20%

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

$23.5K ฿794.5K

$23.8K Rp 432.0M

-1.23%

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

$23.7K ฿798.8K

$31.7K Rp 575.3M

-25.43%

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

$98.0 ฿3,308

$79.1 Rp 1.4M

23.99%

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

$11.12 ฿375

$6.45 Rp 116.8K

72.40%

Internet (50+ Mbps, Unlimited Data)

$16.94 ฿571

$18.58 Rp 336.7K

-8.83%

Gym Membership (Monthly)

$67.7 ฿2,284

$49.48 Rp 896.7K

36.80%

Tennis Court (1 Hour on Weekend)

$10.81 ฿365

$17.65 Rp 319.8K

-38.75%

Cinema Ticket

$7.68 ฿259

$4.27 Rp 77.4K

79.86%

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

$478 ฿16.1K

$491 Rp 8.9M

-2.48%

International Primary School, 1 Child (Yearly)

$11.6K ฿391.4K

$5,674 Rp 102.8M

104.44%

Jeans (Levis 501 Or Similar)

$62.1 ฿2,096

$44.64 Rp 808.9K

39.16%

Summer Dress (H&M, Zara, etc)

$28.52 ฿962

$34.95 Rp 633.4K

-18.40%

Sport Shoes (Adidas, Nike)

$96.0 ฿3,240

$79.9 Rp 1.4M

20.16%

Men's Leather Business Shoes

$86.5 ฿2,919

$79.4 Rp 1.4M

8.93%

1-bedroom Apartment, City Center (Monthly)

$498 ฿16.8K

$1,125 Rp 20.4M

-55.71%

1-bedroom Apartment, Outside City Center (Monthly)

$348 ฿11.7K

$671 Rp 12.2M

-48.19%

3-bedroom Apartment, City Center (Monthly)

$1,349 ฿45.5K

$3,565 Rp 64.6M

-62.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,007 ฿34.0K

$1,723 Rp 31.2M

-41.54%

Buy Apartment in City Center (m2)

$2,927 ฿98.8K

$2,732 Rp 49.5M

7.15%

Buy Apartment Outside City Center (m2)

$2,098 ฿70.8K

$2,284 Rp 41.4M

-8.14%

Average Monthly Net Salary (After Tax)

$724 ฿24.4K

$164 Rp 3.0M

341.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

13.78

-59.58%

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

Last update for Koh Phangan: 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

Koh Phangan

$348 31.6%

Ubud, Bali

$672 49.8% 93% $324

Groceries & Markets

Koh Phangan

$254 23.1%

Ubud, Bali

$288 21.4% 13.5% $34

Monthly Utilities & Internet

Koh Phangan

$126 11.4%

Ubud, Bali

$104 7.7% 17.5% $22

Clothing & Footwear

Koh Phangan

$123 11.1%

Ubud, Bali

$108 8% 12.5% $15

Eating Out

Koh Phangan

$107 9.7%

Ubud, Bali

$108 8% 0.6% $0.7

Sport & Entertainment

Koh Phangan

$83 7.5%

Ubud, Bali

$58 4.3% 30.1% $25

Getting Around

Koh Phangan

$62 5.6%

Ubud, Bali

$11 0.9% 81.5% $50

Cost Breakdown

A one-bedroom apartment in the center runs $498 in Koh Phangan and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Koh Phangan pays about 4.4 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $29 in Koh Phangan vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $254 vs $288 per month, with Koh Phangan cheaper across the board.

Good to know

🇹🇭 Koh Phangan

🇮🇩 Ubud, Bali

🕒 Local time

14:27 2:27 PM

15:27 3:27 PM

1 h ahead of Koh Phangan

🌤 Weather

👥 Population

74,800

💱 Currency

Thai Baht THB ฿

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 THB = 2.96 USD

100 THB = 2.65 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of November 1, 2026: 1 USD = 33.74 THB (100 THB = 2.96 USD). 1 EUR = 37.67 THB (100 THB = 2.65 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 THB in detail →

On the map

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Highest

Between locations

Koh Phangan Ubud, Bali 2,640 km ≈ 3 h 45 min nonstop flight

From you

Koh Phangan
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

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

Total monthly costs including rent come to $1,103 in Koh Phangan and $1,349 in Ubud, Bali, so Koh Phangan is about 18% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Koh Phangan is about 4.4 times higher, 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: $498 in Koh Phangan versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Koh Phangan – a meal for two runs $29 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,103 per month in Koh Phangan versus $1,349 in Ubud, Bali – Koh Phangan is about 18% cheaper, which adds up to real savings over time.

Either city works on $2,000 a month, though Koh Phangan gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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