Last update: Oct 2026

Cost of Living Comparison Between Makati and Ubud, Bali

For one person, living is cheaper in Makati: $1,228 a month against $1,368 in Ubud, Bali, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

60

Cost of Living Index in Makati
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Makati Living Index
67

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

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Makati

🇵🇭 Philippines

$1,228

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,228 in Makati versus $1,368 in Ubud, Bali.

Makati $1,228
Ubud, Bali $1,368

Estimated couple costs with rent: $2,028 in Makati versus $2,314 in Ubud, Bali.

Makati $2,028
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $2,828 in Makati versus $3,260 in Ubud, Bali.

Makati $2,828
Ubud, Bali $3,260

Living in Makati costs roughly 10% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Makati is 9% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$6.22 ₱392

$3.33 Rp 59.9K

86.79%

Three-Course Dinner for Two, Mid-Range

$39.57 ₱2,491

$35.18 Rp 633.2K

12.48%

Fast Food Meal (McDonalds, etc)

$4.88 ₱307

$5.80 Rp 104.5K

-15.86%

Cappuccino

$2.55 ₱161

$2.73 Rp 49.1K

-6.59%

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

$1.06 ₱67.0

$1.64 Rp 29.5K

-35.37%

Water (0.33 liter bottle)

$0.50 ₱31.54

$0.83 Rp 15.0K

-39.76%

Local Beer (0.5 liter draught)

$2.38 ₱150

$2.70 Rp 48.6K

-11.85%

Imported Beer (0.33 liter bottle)

$3.21 ₱202

$4.30 Rp 77.4K

-25.35%

Milk (1 liter)

$1.90 ₱120

$1.50 Rp 27.1K

26.67%

White Bread (500g)

$1.29 ₱81.5

$2.30 Rp 41.4K

-43.91%

Rice (white) (1kg)

$1.06 ₱67.0

$1.18 Rp 21.2K

-10.17%

Eggs

$2.47 ₱155

$2.14 Rp 38.6K

15.42%

Local Cheese (1kg)

$7.29 ₱459

$17.48 Rp 314.6K

-58.30%

Chicken Fillets (1kg)

$4.86 ₱306

$4.03 Rp 72.5K

20.60%

Beef Round Steak (1kg)

$7.03 ₱442

$12.23 Rp 220.1K

-42.52%

Apples (1kg)

$4.04 ₱254

$3.55 Rp 63.9K

13.80%

Banana (1kg)

$1.94 ₱122

$1.57 Rp 28.3K

23.57%

Oranges (1kg)

$3.22 ₱203

$2.24 Rp 40.2K

43.75%

Tomato (1kg)

$2.29 ₱144

$1.93 Rp 34.7K

18.65%

Potato (1kg)

$3.48 ₱219

$1.88 Rp 33.9K

85.11%

Onion (1kg)

$3.59 ₱226

$2.29 Rp 41.3K

56.77%

Lettuce (1 head)

$1.06 ₱66.8

$0.99 Rp 17.9K

7.07%

Water (1.5 liter bottle)

$1.11 ₱69.7

$0.53 Rp 9,475

109.43%

Cigarettes 20 Pack (Marlboro, Camel)

$2.69 ₱169

$2.28 Rp 41.1K

17.98%

Wine (Bottle)

$8.11 ₱511

$23.01 Rp 414.2K

-64.75%

Local Beer (0.5 liter bottle)

$1.32 ₱82.9

$2.34 Rp 42.2K

-43.59%

Imported Beer (0.33 liter bottle)

$1.98 ₱124

$2.91 Rp 52.4K

-31.96%

One-way Ticket (Public Transport)

$0.90 ₱56.4

$0.24 Rp 4,315

275.00%

Public Transport Monthly Pass (Regular Price)

$56.8 ₱3,575

$8.82 Rp 158.7K

543.76%

Taxi Start (Normal Tariff)

$0.67 ₱41.91

$0.48 Rp 8,684

39.58%

Taxi (Normal Tariff) (1km)

$0.21 ₱13.16

$0.46 Rp 8,233

-54.35%

Taxi 1hour Waiting (Normal Tariff)

$1.93 ₱121

$5.45 Rp 98.2K

-64.59%

Gasoline (1 liter)

$1.25 ₱78.8

$0.88 Rp 15.9K

42.05%

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

$21.3K ₱1.3M

$24.6K Rp 442.2M

-13.47%

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

$19.6K ₱1.2M

$31.2K Rp 561.4M

-37.28%

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

$153 ₱9,620

$83.0 Rp 1.5M

84.07%

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

$16.06 ₱1,011

$6.45 Rp 116.0K

148.99%

Internet (50+ Mbps, Unlimited Data)

$32.37 ₱2,038

$18.57 Rp 334.2K

74.31%

Gym Membership (Monthly)

$54.9 ₱3,456

$55.8 Rp 1.0M

-1.68%

Tennis Court (1 Hour on Weekend)

$14.14 ₱890

$18.11 Rp 326.0K

-21.92%

Cinema Ticket

$7.22 ₱454

$4.38 Rp 78.9K

64.84%

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

$794 ₱50.0K

$493 Rp 8.9M

61.16%

International Primary School, 1 Child (Yearly)

$7,321 ₱460.9K

$5,754 Rp 103.6M

27.24%

Jeans (Levis 501 Or Similar)

$61.2 ₱3,850

$46.19 Rp 831.4K

32.39%

Summer Dress (H&M, Zara, etc)

$36.86 ₱2,321

$35.33 Rp 636.0K

4.33%

Sport Shoes (Adidas, Nike)

$81.5 ₱5,129

$79.1 Rp 1.4M

3.00%

Men's Leather Business Shoes

$103 ₱6,510

$78.4 Rp 1.4M

31.90%

1-bedroom Apartment, City Center (Monthly)

$815 ₱51.3K

$1,142 Rp 20.6M

-28.69%

1-bedroom Apartment, Outside City Center (Monthly)

$417 ₱26.3K

$676 Rp 12.2M

-38.23%

3-bedroom Apartment, City Center (Monthly)

$2,274 ₱143.2K

$3,503 Rp 63.1M

-35.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,069 ₱67.3K

$1,700 Rp 30.6M

-37.11%

Buy Apartment in City Center (m2)

$5,869 ₱369.5K

$2,784 Rp 50.1M

110.81%

Buy Apartment Outside City Center (m2)

$3,738 ₱235.4K

$2,241 Rp 40.3M

66.86%

Average Monthly Net Salary (After Tax)

$601 ₱37.9K

$165 Rp 3.0M

265.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.5

13.78

-45.57%

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

Last update for Makati: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Makati

$417 34%

Ubud, Bali

$676 49.4% 61.9% $258

Groceries & Markets

Makati

$231 18.8%

Ubud, Bali

$290 21.2% 25.5% $59

Monthly Utilities & Internet

Makati

$201 16.4%

Ubud, Bali

$108 7.9% 46.3% $93

Clothing & Footwear

Makati

$127 10.4%

Ubud, Bali

$108 7.9% 15.5% $20

Eating Out

Makati

$120 9.7%

Ubud, Bali

$109 8% 9% $11

Sport & Entertainment

Makati

$69 5.6%

Ubud, Bali

$65 4.7% 6.8% $4.7

Getting Around

Makati

$62 5.1%

Ubud, Bali

$13 0.9% 79.8% $50

Cost Breakdown

A one-bedroom apartment in the center runs $815 in Makati and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Makati pays 265% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $40.00 in Makati vs $35.00 in Ubud, Bali. Groceries flip the comparison at $231 vs $290, with Makati cheaper for home cooking.

Good to know

🇵🇭 Makati

🇮🇩 Ubud, Bali

🕒 Local time

05:58 5:58 AM

Same time as Makati

🌤 Weather

👥 Population

582,602

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

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

From you

Makati
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

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

Makati wins on cost – living expenses run 11% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Makati the obvious pick if budget is a priority.

Average pay runs 265% higher in Makati, 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: $815 in Makati versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,228 per month in Makati versus $1,368 in Ubud, Bali – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Makati runs roughly 544% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,228 in Makati versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Makati but tight or insufficient in Ubud, Bali. The gap between the two cities makes Makati the clear choice for anyone on this budget.

Both work as nomad bases, but Makati delivers better value – similar infrastructure at $1,228 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Makati hard to pass up.

Safety-wise, Makati 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 Makati gentler on the wallet – expenses run 11% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.