Cost of Living Comparison Between Panaji and Ubud, Bali Cost of Living Comparison Between Panaji and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $425 in Panaji versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $677 in Panaji versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $929 in Panaji versus $3,327 in Ubud, Bali.

Living in Panaji costs roughly 69% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Panaji is 69% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$2.68 ₹257

$3.44 Rp 60.9K

-22.09%

Three-Course Dinner for Two, Mid-Range

$15.63 ₹1,500

$36.31 Rp 643.0K

-56.95%

Fast Food Meal (McDonalds, etc)

$3.70 ₹355

$5.71 Rp 101.0K

-35.20%

Cappuccino

$1.68 ₹161

$2.67 Rp 47.3K

-37.08%

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

$0.46 ₹43.73

$1.75 Rp 31.0K

-73.71%

Water (0.33 liter bottle)

$0.17 ₹16.58

$0.87 Rp 15.4K

-80.46%

Local Beer (0.5 liter draught)

$1.02 ₹97.8

$2.95 Rp 52.3K

-65.42%

Imported Beer (0.33 liter bottle)

$1.80 ₹172

$4.52 Rp 80.0K

-60.18%

Milk (1 liter)

$0.69 ₹66.6

$1.62 Rp 28.7K

-57.41%

White Bread (500g)

$0.46 ₹44.04

$2.33 Rp 41.3K

-80.26%

Rice (white) (1kg)

$0.74 ₹71.0

$1.11 Rp 19.6K

-33.33%

Eggs

$0.87 ₹83.8

$2.20 Rp 39.0K

-60.45%

Local Cheese (1kg)

$5.49 ₹527

$17.69 Rp 313.3K

-68.97%

Chicken Fillets (1kg)

$3.44 ₹330

$4.10 Rp 72.5K

-16.10%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

Apples (1kg)

$2.36 ₹227

$3.71 Rp 65.6K

-36.39%

Banana (1kg)

$0.81 ₹77.5

$1.59 Rp 28.1K

-49.06%

Oranges (1kg)

$1.30 ₹125

$2.28 Rp 40.4K

-42.98%

Tomato (1kg)

$0.41 ₹39.72

$1.95 Rp 34.6K

-78.97%

Potato (1kg)

$0.40 ₹38.25

$1.91 Rp 33.7K

-79.06%

Onion (1kg)

$0.45 ₹42.94

$2.33 Rp 41.3K

-80.69%

Lettuce (1 head)

$0.85 ₹81.4

$1.01 Rp 17.8K

-15.84%

Water (1.5 liter bottle)

$0.37 ₹35.10

$0.55 Rp 9,773

-32.73%

Cigarettes 20 Pack (Marlboro, Camel)

$3.83 ₹367

$2.23 Rp 39.5K

71.75%

Wine (Bottle)

$7.32 ₹702

$23.07 Rp 408.6K

-68.27%

Local Beer (0.5 liter bottle)

$0.74 ₹71.4

$2.42 Rp 42.8K

-69.42%

Imported Beer (0.33 liter bottle)

$3.16 ₹303

$3.00 Rp 53.1K

5.33%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.51 ₹433

One-way Ticket (Public Transport)

$0.15 ₹14.27

$0.27 Rp 4,814

-44.44%

Public Transport Monthly Pass (Regular Price)

$6.19 ₹594

$8.98 Rp 159.1K

-31.07%

Taxi Start (Normal Tariff)

$0.30 ₹28.33

$0.48 Rp 8,566

-37.50%

Taxi (Normal Tariff) (1km)

$0.53 ₹51.2

$0.43 Rp 7,679

23.26%

Taxi 1hour Waiting (Normal Tariff)

$2.06 ₹197

$5.64 Rp 99.9K

-63.48%

Gasoline (1 liter)

$1.04 ₹99.7

$0.80 Rp 14.2K

30.00%

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

$16.5K ₹1.6M

$24.9K Rp 441.7M

-33.84%

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

$25.1K ₹2.4M

$31.7K Rp 561.5M

-20.82%

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

$20.75 ₹1,990

$81.5 Rp 1.4M

-74.53%

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

$3.48 ₹333

$6.49 Rp 115.0K

-46.38%

Internet (50+ Mbps, Unlimited Data)

$8.37 ₹803

$18.77 Rp 332.4K

-55.41%

Gym Membership (Monthly)

$30.62 ₹2,938

$56.9 Rp 1.0M

-46.16%

Tennis Court (1 Hour on Weekend)

$3.04 ₹292

$18.73 Rp 331.7K

-83.77%

Cinema Ticket

$2.91 ₹279

$4.54 Rp 80.4K

-35.90%

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

$55.1 ₹5,288

$481 Rp 8.5M

-88.53%

International Primary School, 1 Child (Yearly)

$1,434 ₹137.6K

$5,711 Rp 101.1M

-74.89%

Jeans (Levis 501 Or Similar)

$37.11 ₹3,561

$45.52 Rp 806.0K

-18.48%

Summer Dress (H&M, Zara, etc)

$25.61 ₹2,457

$35.88 Rp 635.4K

-28.62%

Sport Shoes (Adidas, Nike)

$20.64 ₹1,980

$80.4 Rp 1.4M

-74.33%

Men's Leather Business Shoes

$15.70 ₹1,506

$78.7 Rp 1.4M

-80.04%

1-bedroom Apartment, City Center (Monthly)

$174 ₹16.7K

$1,115 Rp 19.7M

-84.35%

1-bedroom Apartment, Outside City Center (Monthly)

$130 ₹12.5K

$698 Rp 12.4M

-81.35%

3-bedroom Apartment, City Center (Monthly)

$354 ₹33.9K

$3,637 Rp 64.4M

-90.27%

3-bedroom Apartment, Outside City Center (Monthly)

$262 ₹25.1K

$1,737 Rp 30.8M

-84.93%

Buy Apartment in City Center (m2)

$911 ₹87.4K

$2,784 Rp 49.3M

-67.27%

Buy Apartment Outside City Center (m2)

$695 ₹66.6K

$2,290 Rp 40.5M

-69.67%

Average Monthly Net Salary (After Tax)

$185 ₹17.7K

$168 Rp 3.0M

9.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.74

13.78

-29.32%

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

Last update for Panaji: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $174 in Panaji and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Panaji pays 10% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $16.00 in Panaji vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $110 vs $295 per month, with Panaji cheaper across the board.

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

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

Panaji is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 222% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 10% higher in Panaji, 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: $174 in Panaji versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $55.1 in Panaji versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 168% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $425 in Panaji versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Panaji but tight or insufficient in Ubud, Bali. The gap between the two cities makes Panaji the clear choice for anyone on this budget.

For families, Panaji is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Panaji 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 Panaji gentler on the wallet – expenses run 222% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.