Last update: Nov 2026

Cost of Living Comparison Between Panajachel and Ubud, Bali

For one person, living is cheaper in Panajachel: $745 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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

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Panajachel

🇬🇹 Guatemala

$745

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $745 in Panajachel versus $1,331 in Ubud, Bali.

Panajachel $745
Ubud, Bali $1,331

Estimated couple costs with rent: $1,242 in Panajachel versus $2,255 in Ubud, Bali.

Panajachel $1,242
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $1,739 in Panajachel versus $3,180 in Ubud, Bali.

Panajachel $1,739
Ubud, Bali $3,180

Living in Panajachel costs roughly 44% less than in Ubud, Bali, and outside of rent the biggest gap is in leisure.

Both cities sit below the global median: Panajachel 45% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$6.89 Q 52.6

$3.38 Rp 61.2K

103.85%

Three-Course Dinner for Two, Mid-Range

$49.46 Q 378

$34.65 Rp 628.6K

42.74%

Fast Food Meal (McDonalds, etc)

$7.91 Q 60.4

$5.57 Rp 101.1K

42.01%

Cappuccino

$3.42 Q 26.13

$2.62 Rp 47.5K

30.53%

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

$1.16 Q 8.84

$1.54 Rp 27.9K

-24.68%

Water (0.33 liter bottle)

$0.93 Q 7.09

$0.64 Rp 11.6K

45.31%

Local Beer (0.5 liter draught)

$3.18 Q 24.30

$2.67 Rp 48.4K

19.10%

Imported Beer (0.33 liter bottle)

$4.72 Q 36.03

$4.26 Rp 77.3K

10.80%

Milk (1 liter)

$2.10 Q 16.01

$1.46 Rp 26.5K

43.84%

White Bread (500g)

$3.08 Q 23.56

$2.29 Rp 41.6K

34.50%

Rice (white) (1kg)

$2.13 Q 16.28

$1.11 Rp 20.1K

91.89%

Eggs

$2.35 Q 17.94

$2.10 Rp 38.1K

11.90%

Local Cheese (1kg)

$6.33 Q 48.35

$15.94 Rp 289.2K

-60.29%

Chicken Fillets (1kg)

$9.54 Q 72.9

$3.88 Rp 70.4K

145.88%

Beef Round Steak (1kg)

$13.46 Q 103

$11.40 Rp 206.8K

18.07%

Apples (1kg)

$3.78 Q 28.92

$3.55 Rp 64.4K

6.48%

Banana (1kg)

$1.65 Q 12.64

$1.54 Rp 27.9K

7.14%

Oranges (1kg)

$2.84 Q 21.68

$2.23 Rp 40.5K

27.35%

Tomato (1kg)

$1.63 Q 12.46

$1.97 Rp 35.8K

-17.26%

Potato (1kg)

$1.53 Q 11.70

$1.86 Rp 33.7K

-17.74%

Onion (1kg)

$2.08 Q 15.90

$2.42 Rp 43.9K

-14.05%

Lettuce (1 head)

$0.68 Q 5.19

$1.02 Rp 18.6K

-33.33%

Water (1.5 liter bottle)

$1.17 Q 8.91

$0.52 Rp 9,475

125.00%

Cigarettes 20 Pack (Marlboro, Camel)

$4.02 Q 30.75

$2.20 Rp 39.9K

82.73%

Wine (Bottle)

$8.24 Q 63.0

$21.79 Rp 395.2K

-62.18%

Local Beer (0.5 liter bottle)

$1.71 Q 13.07

$2.33 Rp 42.2K

-26.61%

Imported Beer (0.33 liter bottle)

$2.72 Q 20.80

$2.97 Rp 53.9K

-8.42%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

Taxi Start (Normal Tariff)

$5.18 Q 39.60

$0.44 Rp 7,941

1077.27%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

Taxi 1hour Waiting (Normal Tariff)

$10.60 Q 81.0

$5.60 Rp 101.6K

89.29%

Gasoline (1 liter)

$1.34 Q 10.25

$0.83 Rp 15.0K

61.45%

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

$27.1K Q 206.7K

$24.4K Rp 443.5M

10.66%

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

$25.2K Q 192.9K

$31.7K Rp 575.0M

-20.38%

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

$72.7 Q 555

$77.5 Rp 1.4M

-6.22%

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

$29.08 Q 222

$6.14 Rp 111.5K

373.62%

Internet (50+ Mbps, Unlimited Data)

$45.40 Q 347

$18.92 Rp 343.1K

139.96%

Gym Membership (Monthly)

$51.0 Rp 925.0K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

Cinema Ticket

$6.40 Q 48.88

$4.38 Rp 79.5K

46.12%

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

$338 Q 2,584

$492 Rp 8.9M

-31.33%

International Primary School, 1 Child (Yearly)

$6,571 Q 50.2K

$12.2K Rp 221.7M

-46.23%

Jeans (Levis 501 Or Similar)

$49.15 Q 376

$45.16 Rp 819.2K

8.84%

Summer Dress (H&M, Zara, etc)

$47.06 Q 360

$34.89 Rp 632.9K

34.88%

Sport Shoes (Adidas, Nike)

$115 Q 881

$78.3 Rp 1.4M

47.18%

Men's Leather Business Shoes

$111 Q 846

$77.9 Rp 1.4M

42.13%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.62

13.78

-15.67%

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

Last update for Panajachel: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Panajachel

–

Ubud, Bali

$665 50%

Groceries & Markets

Panajachel

–

Ubud, Bali

$279 21%

Clothing & Footwear

Panajachel

–

Ubud, Bali

$106 8%

Eating Out

Panajachel

–

Ubud, Bali

$106 8%

Monthly Utilities & Internet

Panajachel

–

Ubud, Bali

$103 7.7%

Sport & Entertainment

Panajachel

–

Ubud, Bali

$60 4.5%

Getting Around

Panajachel

–

Ubud, Bali

$12 0.9%

Cost Breakdown

Dining out: $49 in Panajachel vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $281 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇬🇹 Panajachel

🇮🇩 Ubud, Bali

🕒 Local time

09:55 9:55 AM

23:55 11:55 PM

14 h ahead of Panajachel

🌤 Weather

👥 Population

11,142

74,800

💱 Currency

Guatemalan Quetzal GTQ Q

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 GTQ = 0.131 USD

1 GTQ = 0.117 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

Exchange rates and currency converter

IDR, USD, EUR to GTQ – Guatemalan Quetzal Converter

🇺🇸 United States Dollar ($)

🇬🇹 Guatemalan Quetzal (Q)

Guatemalan Quetzal exchange rates as of November 3, 2026: 1 USD = 7.64 GTQ (1 GTQ = 0.131 USD). 1 EUR = 8.56 GTQ (1 GTQ = 0.117 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,309 IDR (100,000 IDR = 4.92 EUR).

USD to GTQ in detail →

On the map

Lowest

Highest

Between locations

Panajachel Ubud, Bali 17,060 km ≈ 22 h nonstop flight

From you

Panajachel
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

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

Panajachel wins on cost – living expenses run 44% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Panajachel the obvious pick if budget is a priority.

You’d need roughly $1,117 in Panajachel and $1,996 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.

All in, you’ll spend $745 per month in Panajachel versus $1,331 in Ubud, Bali – Panajachel is about 44% cheaper, which adds up to real savings over time.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $49 in Panajachel. If you eat out regularly, this makes a real dent in your monthly spending.

Both work as nomad bases, but Panajachel delivers better value at $745 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Panajachel hard to pass up.