Last update: Oct 2026

Cost of Living Comparison Between Pagadian and Ubud, Bali

For one person, living is cheaper in Pagadian: $737 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

35

Cost of Living Index in Pagadian
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Pagadian Living Index
65

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

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Pagadian

🇵🇭 Philippines

$737

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $737 in Pagadian versus $1,349 in Ubud, Bali.

Pagadian $737
Ubud, Bali $1,349

Estimated couple costs with rent: $1,109 in Pagadian versus $2,305 in Ubud, Bali.

Pagadian $1,109
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,481 in Pagadian versus $3,261 in Ubud, Bali.

Pagadian $1,481
Ubud, Bali $3,261

Living in Pagadian costs roughly 45% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.98 ₱253

$3.32 Rp 60.3K

19.88%

Three-Course Dinner for Two, Mid-Range

$16.62 ₱1,056

$35.64 Rp 646.7K

-53.37%

Fast Food Meal (McDonalds, etc)

$2.73 ₱173

$5.53 Rp 100.4K

-50.63%

Cappuccino

$1.96 ₱124

$2.72 Rp 49.3K

-27.94%

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

$0.78 ₱49.55

$1.70 Rp 30.9K

-54.12%

Water (0.33 liter bottle)

$0.22 ₱13.97

$0.76 Rp 13.8K

-71.05%

Local Beer (0.5 liter draught)

$1.39 ₱88.2

$2.65 Rp 48.2K

-47.55%

Imported Beer (0.33 liter bottle)

$2.01 ₱128

$4.38 Rp 79.5K

-54.11%

Milk (1 liter)

$1.65 ₱105

$1.49 Rp 27.1K

10.74%

White Bread (500g)

$1.13 ₱71.8

$2.28 Rp 41.3K

-50.44%

Rice (white) (1kg)

$0.95 ₱60.6

$1.19 Rp 21.6K

-20.17%

Eggs

$1.71 ₱108

$2.04 Rp 36.9K

-16.18%

Local Cheese (1kg)

$5.56 ₱353

$17.70 Rp 321.2K

-68.59%

Chicken Fillets (1kg)

$4.06 ₱258

$3.96 Rp 71.9K

2.53%

Beef Round Steak (1kg)

$7.76 ₱493

$12.19 Rp 221.2K

-36.34%

Apples (1kg)

$2.56 ₱163

$3.66 Rp 66.3K

-30.05%

Banana (1kg)

$1.31 ₱83.2

$1.52 Rp 27.5K

-13.82%

Oranges (1kg)

$2.38 ₱151

$2.23 Rp 40.4K

6.73%

Tomato (1kg)

$1.27 ₱81.0

$1.97 Rp 35.8K

-35.53%

Potato (1kg)

$1.92 ₱122

$1.85 Rp 33.5K

3.78%

Onion (1kg)

$2.27 ₱144

$2.42 Rp 44.0K

-6.20%

Lettuce (1 head)

$1.18 ₱74.7

$0.99 Rp 18.0K

19.19%

Water (1.5 liter bottle)

$0.51 ₱32.45

$0.51 Rp 9,316

Cigarettes 20 Pack (Marlboro, Camel)

$2.81 ₱179

$2.22 Rp 40.3K

26.58%

Wine (Bottle)

$6.49 ₱412

$22.24 Rp 403.6K

-70.82%

Local Beer (0.5 liter bottle)

$0.86 ₱54.8

$2.26 Rp 41.0K

-61.95%

Imported Beer (0.33 liter bottle)

$2.12 ₱135

$2.97 Rp 53.9K

-28.62%

One-way Ticket (Public Transport)

$0.24 ₱15.18

$0.25 Rp 4,555

-4.00%

Public Transport Monthly Pass (Regular Price)

$12.11 ₱769

$7.82 Rp 142.0K

54.86%

Taxi Start (Normal Tariff)

$0.86 ₱54.7

$0.44 Rp 7,975

95.45%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.93

$0.43 Rp 7,804

-53.49%

Taxi 1hour Waiting (Normal Tariff)

$1.62 ₱103

$5.41 Rp 98.2K

-70.06%

Gasoline (1 liter)

$1.01 ₱64.2

$0.82 Rp 15.0K

23.17%

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

$19.5K ₱1.2M

$23.8K Rp 432.6M

-18.27%

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

$21.2K ₱1.3M

$31.7K Rp 576.1M

-33.34%

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

$119 ₱7,541

$79.1 Rp 1.4M

50.19%

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

$17.43 ₱1,107

$6.45 Rp 117.0K

170.23%

Internet (50+ Mbps, Unlimited Data)

$23.97 ₱1,523

$18.58 Rp 337.1K

29.01%

Gym Membership (Monthly)

$28.59 ₱1,816

$49.48 Rp 897.9K

-42.22%

Tennis Court (1 Hour on Weekend)

$5.41 ₱344

$17.65 Rp 320.2K

-69.35%

Cinema Ticket

$4.65 ₱295

$4.27 Rp 77.6K

8.90%

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

$146 ₱9,249

$491 Rp 8.9M

-70.31%

International Primary School, 1 Child (Yearly)

$7,275 ₱462.0K

$5,674 Rp 103.0M

28.21%

Jeans (Levis 501 Or Similar)

$28.98 ₱1,840

$44.64 Rp 810.0K

-35.08%

Summer Dress (H&M, Zara, etc)

$20.35 ₱1,292

$34.95 Rp 634.2K

-41.77%

Sport Shoes (Adidas, Nike)

$68.8 ₱4,367

$79.9 Rp 1.4M

-13.94%

Men's Leather Business Shoes

$62.1 ₱3,942

$79.4 Rp 1.4M

-21.85%

1-bedroom Apartment, City Center (Monthly)

$251 ₱15.9K

$1,125 Rp 20.4M

-77.68%

1-bedroom Apartment, Outside City Center (Monthly)

$186 ₱11.8K

$671 Rp 12.2M

-72.26%

3-bedroom Apartment, City Center (Monthly)

$488 ₱31.0K

$3,565 Rp 64.7M

-86.30%

3-bedroom Apartment, Outside City Center (Monthly)

$353 ₱22.4K

$1,723 Rp 31.3M

-79.54%

Buy Apartment in City Center (m2)

$2,580 ₱163.8K

$2,732 Rp 49.6M

-5.55%

Buy Apartment Outside City Center (m2)

$1,254 ₱79.7K

$2,284 Rp 41.4M

-45.08%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

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 Pagadian: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Pagadian

$186 25.3%

Ubud, Bali

$672 49.8% 261% $485

Groceries & Markets

Pagadian

$178 24.2%

Ubud, Bali

$288 21.4% 62.1% $110

Monthly Utilities & Internet

Pagadian

$160 21.7%

Ubud, Bali

$104 7.7% 35% $56

Clothing & Footwear

Pagadian

$81 11%

Ubud, Bali

$108 8% 32.6% $26

Eating Out

Pagadian

$79 10.7%

Ubud, Bali

$108 8% 37.1% $29

Sport & Entertainment

Pagadian

$38 5.1%

Ubud, Bali

$58 4.3% 53.2% $20

Getting Around

Pagadian

$15 2%

Ubud, Bali

$11 0.9% 23.6% $3.5

Cost Breakdown

A one-bedroom apartment in the center runs $251 in Pagadian and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $17 in Pagadian vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $178 vs $288 per month, with Pagadian cheaper across the board.

Good to know

🇵🇭 Pagadian

🇮🇩 Ubud, Bali

🕒 Local time

18:27 6:27 PM

Same time as Pagadian

🌤 Weather

👥 Population

199,060

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 = 4.92 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 = 63.51 PHP (100 PHP = 1.57 USD). 1 EUR = 71.1 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,315 IDR (100,000 IDR = 4.92 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Pagadian Ubud, Bali 2,030 km ≈ 3 h nonstop flight

From you

Pagadian
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

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

Total monthly costs including rent come to $737 in Pagadian and $1,349 in Ubud, Bali, so Pagadian is about 45% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,105 in Pagadian and $2,023 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $251 in Pagadian 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 Pagadian – a meal for two runs $17 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $737 per month in Pagadian versus $1,349 in Ubud, Bali – Pagadian is about 45% cheaper, which adds up to real savings over time.

At $737 in Pagadian versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Pagadian but tight or insufficient in Ubud, Bali. The gap between the two cities makes Pagadian 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.