Last update: Oct 2026

Cost of Living Comparison Between Naga and Ubud, Bali

For one person, living is cheaper in Naga: $552 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,600 less a year. Rent and utilities account for most 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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Naga

🇵🇭 Philippines

$552

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $552 in Naga versus $1,349 in Ubud, Bali.

Naga $552
Ubud, Bali $1,349

Estimated couple costs with rent: $845 in Naga versus $2,305 in Ubud, Bali.

Naga $845
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,138 in Naga versus $3,261 in Ubud, Bali.

Naga $1,138
Ubud, Bali $3,261

Living in Naga costs roughly 59% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$5.10 ₱325

$3.32 Rp 60.3K

53.61%

Three-Course Dinner for Two, Mid-Range

$13.37 ₱851

$35.64 Rp 646.5K

-62.49%

Fast Food Meal (McDonalds, etc)

$2.77 ₱176

$5.53 Rp 100.4K

-49.91%

Cappuccino

$2.74 ₱174

$2.72 Rp 49.3K

0.74%

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

$0.67 ₱42.76

$1.70 Rp 30.9K

-60.59%

Water (0.33 liter bottle)

$0.22 ₱13.99

$0.76 Rp 13.8K

-71.05%

Local Beer (0.5 liter draught)

$1.31 ₱83.2

$2.65 Rp 48.1K

-50.57%

Imported Beer (0.33 liter bottle)

$3.09 ₱197

$4.38 Rp 79.5K

-29.45%

Milk (1 liter)

$1.95 ₱124

$1.49 Rp 27.0K

30.87%

White Bread (500g)

$0.80 ₱50.9

$2.28 Rp 41.3K

-64.91%

Rice (white) (1kg)

$0.77 ₱49.12

$1.19 Rp 21.6K

-35.29%

Eggs

$1.68 ₱107

$2.04 Rp 36.9K

-17.65%

Local Cheese (1kg)

$10.06 ₱641

$17.70 Rp 321.1K

-43.16%

Chicken Fillets (1kg)

$4.12 ₱263

$3.96 Rp 71.9K

4.04%

Beef Round Steak (1kg)

$6.84 ₱436

$12.19 Rp 221.1K

-43.89%

Apples (1kg)

$1.90 ₱121

$3.66 Rp 66.3K

-48.09%

Banana (1kg)

$1.66 ₱106

$1.52 Rp 27.5K

9.21%

Oranges (1kg)

$2.41 ₱154

$2.23 Rp 40.4K

8.07%

Tomato (1kg)

$2.37 ₱151

$1.97 Rp 35.8K

20.30%

Potato (1kg)

$2.53 ₱161

$1.85 Rp 33.5K

36.76%

Onion (1kg)

$2.21 ₱141

$2.42 Rp 44.0K

-8.68%

Lettuce (1 head)

$4.63 ₱295

$0.99 Rp 18.0K

367.68%

Water (1.5 liter bottle)

$0.60 ₱38.26

$0.51 Rp 9,313

17.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.76 ₱176

$2.22 Rp 40.3K

24.32%

Wine (Bottle)

$3.77 ₱240

$22.24 Rp 403.4K

-83.05%

Local Beer (0.5 liter bottle)

$1.53 ₱97.3

$2.26 Rp 41.0K

-32.30%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$0.25 Rp 4,553

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

Taxi Start (Normal Tariff)

$0.58 ₱36.71

$0.44 Rp 7,972

31.82%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$1.19 ₱75.8

$0.82 Rp 15.0K

45.12%

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

$23.8K Rp 432.4M

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

$31.7K Rp 575.9M

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

$97.7 ₱6,223

$79.1 Rp 1.4M

23.59%

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

$23.84 ₱1,518

$6.45 Rp 116.9K

269.61%

Internet (50+ Mbps, Unlimited Data)

$25.59 ₱1,630

$18.58 Rp 337.0K

37.73%

Gym Membership (Monthly)

$7.73 ₱492

$49.48 Rp 897.5K

-84.38%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.80 ₱306

$4.27 Rp 77.5K

12.41%

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

$491 Rp 8.9M

International Primary School, 1 Child (Yearly)

$7,801 ₱496.8K

$5,674 Rp 102.9M

37.48%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

Men's Leather Business Shoes

$79.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$158 ₱10.1K

$1,125 Rp 20.4M

-85.93%

1-bedroom Apartment, Outside City Center (Monthly)

$85.9 ₱5,470

$671 Rp 12.2M

-87.21%

3-bedroom Apartment, City Center (Monthly)

$240 ₱15.3K

$3,565 Rp 64.7M

-93.26%

3-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.4K

$1,723 Rp 31.3M

-88.67%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$138 ₱8,815

$164 Rp 3.0M

-15.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Naga: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Naga

–

Ubud, Bali

$672 49.8%

Groceries & Markets

Naga

–

Ubud, Bali

$288 21.4%

Eating Out

Naga

–

Ubud, Bali

$108 8%

Clothing & Footwear

Naga

–

Ubud, Bali

$108 8%

Monthly Utilities & Internet

Naga

–

Ubud, Bali

$104 7.7%

Sport & Entertainment

Naga

–

Ubud, Bali

$58 4.3%

Getting Around

Naga

–

Ubud, Bali

$11 0.9%

Cost Breakdown

A one-bedroom apartment in the center runs $158 in Naga and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 18% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $13 in Naga vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $202 vs $288 per month, with Naga cheaper across the board.

Good to know

🇵🇭 Naga

🇮🇩 Ubud, Bali

🕒 Local time

13:01 1:01 PM

Same time as Naga

🌤 Weather

👥 Population

115,750

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 63.69 PHP (100 PHP = 1.57 USD). 1 EUR = 71.12 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Naga Ubud, Bali 2,610 km ≈ 3 h 45 min nonstop flight

From you

Naga
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

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

Total monthly costs including rent come to $552 in Naga and $1,349 in Ubud, Bali, so Naga is about 59% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 16% lower in Naga. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $158 in Naga 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 Naga – a meal for two runs $13 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $552 per month in Naga versus $1,349 in Ubud, Bali – Naga is about 59% cheaper, which adds up to real savings over time.

At $552 in Naga versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Naga but tight or insufficient in Ubud, Bali. The gap between the two cities makes Naga the clear choice for anyone on this budget.

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

It comes down to priorities – Naga wins on affordability, Ubud, Bali on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.