Last update: Oct 2026

Cost of Living Comparison Between Laoag City and Ubud, Bali

For one person, living is cheaper in Laoag City: $717 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

35

Cost of Living Index in Laoag City
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Laoag City Living Index
65

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

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Laoag City

🇵🇭 Philippines

$717

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $717 per month in Laoag City vs $1,349 in Ubud, Bali, rent included.

Laoag City $717
Ubud, Bali $1,349

A couple spends around $1,117 per month in Laoag City vs $2,305 in Ubud, Bali, rent included.

Laoag City $1,117
Ubud, Bali $2,305

A family of three spends $1,517 per month in Laoag City vs $3,261 in Ubud, Bali, rent included.

Laoag City $1,517
Ubud, Bali $3,261

Laoag City is about 47% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$4.30 ₱273

$3.32 Rp 60.3K

29.52%

Three-Course Dinner for Two, Mid-Range

$16.20 ₱1,027

$35.64 Rp 647.3K

-54.55%

Fast Food Meal (McDonalds, etc)

$2.69 ₱171

$5.53 Rp 100.5K

-51.36%

Cappuccino

$2.44 ₱155

$2.72 Rp 49.4K

-10.29%

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

$0.68 ₱43.18

$1.70 Rp 30.9K

-60.00%

Water (0.33 liter bottle)

$0.31 ₱19.85

$0.76 Rp 13.8K

-59.21%

Local Beer (0.5 liter draught)

$1.00 ₱63.5

$2.65 Rp 48.2K

-62.26%

Imported Beer (0.33 liter bottle)

$1.89 ₱120

$4.38 Rp 79.6K

-56.85%

Milk (1 liter)

$1.60 ₱101

$1.49 Rp 27.1K

7.38%

White Bread (500g)

$1.14 ₱72.5

$2.28 Rp 41.3K

-50.00%

Rice (white) (1kg)

$0.89 ₱56.1

$1.19 Rp 21.6K

-25.21%

Eggs

$1.86 ₱118

$2.04 Rp 37.0K

-8.82%

Local Cheese (1kg)

$6.02 ₱381

$17.70 Rp 321.5K

-65.99%

Chicken Fillets (1kg)

$4.03 ₱256

$3.96 Rp 72.0K

1.77%

Beef Round Steak (1kg)

$7.07 ₱448

$12.19 Rp 221.4K

-42.00%

Apples (1kg)

$2.29 ₱145

$3.66 Rp 66.4K

-37.43%

Banana (1kg)

$1.59 ₱101

$1.52 Rp 27.6K

4.61%

Oranges (1kg)

$2.38 ₱151

$2.23 Rp 40.5K

6.73%

Tomato (1kg)

$1.10 ₱69.5

$1.97 Rp 35.8K

-44.16%

Potato (1kg)

$2.18 ₱138

$1.85 Rp 33.6K

17.84%

Onion (1kg)

$2.20 ₱139

$2.42 Rp 44.0K

-9.09%

Lettuce (1 head)

$1.02 ₱64.7

$0.99 Rp 18.0K

3.03%

Water (1.5 liter bottle)

$0.52 ₱33.21

$0.51 Rp 9,324

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.97 ₱188

$2.22 Rp 40.4K

33.78%

Wine (Bottle)

$7.49 ₱475

$22.24 Rp 403.9K

-66.32%

Local Beer (0.5 liter bottle)

$0.93 ₱59.1

$2.26 Rp 41.0K

-58.85%

Imported Beer (0.33 liter bottle)

$1.85 ₱117

$2.97 Rp 53.9K

-37.71%

One-way Ticket (Public Transport)

$0.24 ₱15.20

$0.25 Rp 4,559

-4.00%

Public Transport Monthly Pass (Regular Price)

$12.87 ₱816

$7.82 Rp 142.1K

64.58%

Taxi Start (Normal Tariff)

$0.75 ₱47.49

$0.44 Rp 7,982

70.45%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.29

$0.43 Rp 7,811

-51.16%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱123

$5.41 Rp 98.2K

-64.14%

Gasoline (1 liter)

$0.94 ₱59.6

$0.82 Rp 15.0K

14.63%

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

$20.9K ₱1.3M

$23.8K Rp 433.0M

-12.53%

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

$19.0K ₱1.2M

$31.7K Rp 576.6M

-40.14%

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

$109 ₱6,907

$79.1 Rp 1.4M

37.84%

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

$17.25 ₱1,094

$6.45 Rp 117.1K

167.44%

Internet (50+ Mbps, Unlimited Data)

$23.88 ₱1,513

$18.58 Rp 337.4K

28.53%

Gym Membership (Monthly)

$31.78 ₱2,014

$49.48 Rp 898.7K

-35.77%

Tennis Court (1 Hour on Weekend)

$4.53 ₱287

$17.65 Rp 320.5K

-74.33%

Cinema Ticket

$4.97 ₱315

$4.27 Rp 77.6K

16.39%

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

$132 ₱8,372

$491 Rp 8.9M

-73.07%

International Primary School, 1 Child (Yearly)

$8,581 ₱543.9K

$5,674 Rp 103.0M

51.23%

Jeans (Levis 501 Or Similar)

$33.12 ₱2,099

$44.64 Rp 810.7K

-25.81%

Summer Dress (H&M, Zara, etc)

$19.34 ₱1,226

$34.95 Rp 634.8K

-44.66%

Sport Shoes (Adidas, Nike)

$70.9 ₱4,494

$79.9 Rp 1.5M

-11.25%

Men's Leather Business Shoes

$54.3 ₱3,439

$79.4 Rp 1.4M

-31.68%

1-bedroom Apartment, City Center (Monthly)

$214 ₱13.5K

$1,125 Rp 20.4M

-81.01%

1-bedroom Apartment, Outside City Center (Monthly)

$167 ₱10.6K

$671 Rp 12.2M

-75.19%

3-bedroom Apartment, City Center (Monthly)

$484 ₱30.7K

$3,565 Rp 64.7M

-86.42%

3-bedroom Apartment, Outside City Center (Monthly)

$383 ₱24.3K

$1,723 Rp 31.3M

-77.77%

Buy Apartment in City Center (m2)

$2,667 ₱169.1K

$2,732 Rp 49.6M

-2.35%

Buy Apartment Outside City Center (m2)

$977 ₱61.9K

$2,284 Rp 41.5M

-57.22%

Average Monthly Net Salary (After Tax)

$155 ₱9,834

$164 Rp 3.0M

-5.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.92

13.78

-49.78%

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

Last update for Laoag City: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Laoag City

$178 24.9%

Ubud, Bali

$288 21.4% 61.7% $110

Accommodation & Living

Laoag City

$167 23.2%

Ubud, Bali

$672 49.8% 303% $505

Monthly Utilities & Internet

Laoag City

$150 20.9%

Ubud, Bali

$104 7.7% 30.7% $46

Eating Out

Laoag City

$85 11.8%

Ubud, Bali

$108 8% 27.4% $23

Clothing & Footwear

Laoag City

$80 11.2%

Ubud, Bali

$108 8% 34.5% $28

Sport & Entertainment

Laoag City

$42 5.8%

Ubud, Bali

$58 4.3% 39.1% $16

Getting Around

Laoag City

$16 2.2%

Ubud, Bali

$11 0.9% 26.9% $4.2

Cost Breakdown

A central one-bedroom costs $214 in Laoag City versus $1,125 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 6% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $16 in Laoag City versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $178 vs $288 – making Laoag City the more affordable choice for daily food spending.

Good to know

🇵🇭 Laoag City

🇮🇩 Ubud, Bali

🕒 Local time

13:47 1:47 PM

Same time as Laoag City

🌤 Weather

👥 Population

112,117

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.58 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 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 3, 2026: 1 USD = 63.38 PHP (100 PHP = 1.58 USD). 1 EUR = 71.04 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,355 IDR (100,000 IDR = 4.91 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Laoag City Ubud, Bali 3,030 km ≈ 4 h 15 min nonstop flight

From you

Laoag 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

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

Ubud, Bali costs about 88% more than Laoag City, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,075 per month in Laoag City and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Laoag City, especially for central apartments: a one-bedroom in the center costs $214 there versus $1,125 in Ubud, Bali.

Monthly expenses with rent come to $717 in Laoag City and $1,349 in Ubud, Bali. That makes Laoag City about 47% cheaper.

Public transport costs about 39% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $800 monthly budget goes further in Laoag City, where all-in costs run around $717, than in Ubud, Bali at $1,349. In Laoag City it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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

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