Last update: Oct 2026

Cost of Living Comparison Between Lucena and Ubud, Bali

For one person, living is cheaper in Lucena: $646 a month against $1,368 in Ubud, Bali, rent and utilities included – about $8,700 less a year. Rent and utilities account for most of the difference.

31

Cost of Living Index in Lucena
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Lucena Living Index
67

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

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Lucena

🇵🇭 Philippines

$646

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $646 per month in Lucena vs $1,368 in Ubud, Bali, rent included.

Lucena $646
Ubud, Bali $1,368

A couple spends around $1,041 per month in Lucena vs $2,314 in Ubud, Bali, rent included.

Lucena $1,041
Ubud, Bali $2,314

A family of three spends $1,436 per month in Lucena vs $3,260 in Ubud, Bali, rent included.

Lucena $1,436
Ubud, Bali $3,260

Lucena is about 53% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Lucena sits 52% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.50 ₱94.4

$3.33 Rp 59.9K

-54.95%

Three-Course Dinner for Two, Mid-Range

$18.91 ₱1,191

$35.18 Rp 633.2K

-46.25%

Fast Food Meal (McDonalds, etc)

$1.72 ₱108

$5.80 Rp 104.5K

-70.34%

Cappuccino

$1.32 ₱83.2

$2.73 Rp 49.1K

-51.65%

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

$0.33 ₱20.88

$1.64 Rp 29.5K

-79.88%

Water (0.33 liter bottle)

$0.29 ₱18.26

$0.83 Rp 15.0K

-65.06%

Local Beer (0.5 liter draught)

$1.38 ₱86.7

$2.70 Rp 48.6K

-48.89%

Imported Beer (0.33 liter bottle)

$1.28 ₱80.9

$4.30 Rp 77.4K

-70.23%

Milk (1 liter)

$1.66 ₱105

$1.50 Rp 27.1K

10.67%

White Bread (500g)

$1.17 ₱73.4

$2.30 Rp 41.4K

-49.13%

Rice (white) (1kg)

$0.92 ₱57.6

$1.18 Rp 21.2K

-22.03%

Eggs

$1.75 ₱110

$2.14 Rp 38.6K

-18.22%

Local Cheese (1kg)

$6.82 ₱429

$17.48 Rp 314.6K

-60.98%

Chicken Fillets (1kg)

$4.21 ₱265

$4.03 Rp 72.5K

4.47%

Beef Round Steak (1kg)

$7.13 ₱449

$12.23 Rp 220.1K

-41.70%

Apples (1kg)

$4.04 ₱254

$3.55 Rp 63.9K

13.80%

Banana (1kg)

$1.37 ₱86.0

$1.57 Rp 28.3K

-12.74%

Oranges (1kg)

$3.58 ₱225

$2.24 Rp 40.2K

59.82%

Tomato (1kg)

$1.17 ₱73.5

$1.93 Rp 34.7K

-39.38%

Potato (1kg)

$2.27 ₱143

$1.88 Rp 33.9K

20.74%

Onion (1kg)

$3.30 ₱208

$2.29 Rp 41.3K

44.10%

Lettuce (1 head)

$1.42 ₱89.6

$0.99 Rp 17.9K

43.43%

Water (1.5 liter bottle)

$0.91 ₱57.0

$0.53 Rp 9,475

71.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.74 ₱173

$2.28 Rp 41.1K

20.18%

Wine (Bottle)

$7.74 ₱487

$23.01 Rp 414.2K

-66.36%

Local Beer (0.5 liter bottle)

$1.34 ₱84.6

$2.34 Rp 42.2K

-42.74%

Imported Beer (0.33 liter bottle)

$1.76 ₱111

$2.91 Rp 52.4K

-39.52%

One-way Ticket (Public Transport)

$0.24 ₱14.97

$0.24 Rp 4,315

Public Transport Monthly Pass (Regular Price)

$12.08 ₱761

$8.82 Rp 158.7K

36.96%

Taxi Start (Normal Tariff)

$0.81 ₱51.0

$0.48 Rp 8,684

68.75%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.19

$0.46 Rp 8,233

-54.35%

Taxi 1hour Waiting (Normal Tariff)

$2.54 ₱160

$5.45 Rp 98.2K

-53.39%

Gasoline (1 liter)

$1.23 ₱77.6

$0.88 Rp 15.9K

39.77%

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

$21.3K ₱1.3M

$24.6K Rp 442.2M

-13.29%

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

$18.8K ₱1.2M

$31.2K Rp 561.4M

-39.85%

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

$47.89 ₱3,015

$83.0 Rp 1.5M

-42.31%

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

$6.37 ₱401

$6.45 Rp 116.0K

-1.24%

Internet (50+ Mbps, Unlimited Data)

$11.06 ₱696

$18.57 Rp 334.2K

-40.44%

Gym Membership (Monthly)

$34.15 ₱2,150

$55.8 Rp 1.0M

-38.82%

Tennis Court (1 Hour on Weekend)

$4.02 ₱253

$18.11 Rp 326.0K

-77.80%

Cinema Ticket

$7.38 ₱465

$4.38 Rp 78.9K

68.49%

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

$71.9 ₱4,529

$493 Rp 8.9M

-85.41%

International Primary School, 1 Child (Yearly)

$2,515 ₱158.3K

$5,754 Rp 103.6M

-56.29%

Jeans (Levis 501 Or Similar)

$35.78 ₱2,253

$46.19 Rp 831.4K

-22.54%

Summer Dress (H&M, Zara, etc)

$22.69 ₱1,428

$35.33 Rp 636.0K

-35.78%

Sport Shoes (Adidas, Nike)

$79.7 ₱5,020

$79.1 Rp 1.4M

0.82%

Men's Leather Business Shoes

$74.4 ₱4,683

$78.4 Rp 1.4M

-5.10%

1-bedroom Apartment, City Center (Monthly)

$262 ₱16.5K

$1,142 Rp 20.6M

-77.11%

1-bedroom Apartment, Outside City Center (Monthly)

$170 ₱10.7K

$676 Rp 12.2M

-74.88%

3-bedroom Apartment, City Center (Monthly)

$516 ₱32.5K

$3,503 Rp 63.1M

-85.28%

3-bedroom Apartment, Outside City Center (Monthly)

$357 ₱22.5K

$1,700 Rp 30.6M

-79.01%

Buy Apartment in City Center (m2)

$2,274 ₱143.2K

$2,784 Rp 50.1M

-18.33%

Buy Apartment Outside City Center (m2)

$921 ₱58.0K

$2,241 Rp 40.3M

-58.91%

Average Monthly Net Salary (After Tax)

$320 ₱20.2K

$165 Rp 3.0M

94.63%

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 Lucena: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Groceries & Markets

Lucena

$206 31.9%

Ubud, Bali

$290 21.2% 40.9% $84

Accommodation & Living

Lucena

$170 26.3%

Ubud, Bali

$676 49.4% 298% $506

Clothing & Footwear

Lucena

$96 14.8%

Ubud, Bali

$108 7.9% 12.4% $12

Monthly Utilities & Internet

Lucena

$65 10.1%

Ubud, Bali

$108 7.9% 65.4% $43

Sport & Entertainment

Lucena

$49 7.6%

Ubud, Bali

$65 4.7% 32% $16

Eating Out

Lucena

$45 7%

Ubud, Bali

$109 8% 142% $64

Getting Around

Lucena

$15 2.3%

Ubud, Bali

$13 0.9% 15.7% $2.3

Cost Breakdown

A central one-bedroom costs $262 in Lucena 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 95% higher in Lucena, 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 $19.00 in Lucena versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $206 vs $290 – making Lucena the more affordable choice for daily food spending.

Good to know

🇵🇭 Lucena

🇮🇩 Ubud, Bali

🕒 Local time

05:27 5:27 AM

Same time as Lucena

🌤 Weather

👥 Population

278,924

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 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of October 18, 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 PHP in detail →

On the map

Lowest

Highest

Between locations

Lucena Ubud, Bali 2,590 km ≈ 3 h 45 min nonstop flight

From you

Lucena
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

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

Monthly costs with rent: $646 in Lucena, $1,368 in Ubud, Bali – roughly 112% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $968 per month in Lucena 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 Lucena, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $71.9 per month in Lucena and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 41% 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 $2,000 monthly budget goes further in Lucena, where all-in costs run around $646, than in Ubud, Bali at $1,368. In Lucena it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $646 in Lucena to $1,368 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Lucena. 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.