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: $486 in Panaji versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $775 in Panaji versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,064 in Panaji versus $3,763 in Ubud, Bali.

Living in Panaji costs roughly 65% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Panaji is 64% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$3.59 ₹346

$3.45 Rp 61.8K

4.06%

Three-Course Dinner for Two, Mid-Range

$17.54 ₹1,688

$32.34 Rp 578.5K

-45.76%

Fast Food Meal (McDonalds, etc)

$3.90 ₹376

$4.84 Rp 86.7K

-19.42%

Cappuccino

$2.22 ₹214

$2.75 Rp 49.1K

-19.27%

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

$0.46 ₹43.86

$1.38 Rp 24.8K

-66.67%

Water (0.33 liter bottle)

$0.19 ₹18.42

$0.75 Rp 13.4K

-74.67%

Local Beer (0.5 liter draught)

$1.18 ₹113

$2.99 Rp 53.5K

-60.54%

Imported Beer (0.33 liter bottle)

$2.08 ₹200

$3.85 Rp 68.9K

-45.97%

Milk (1 liter)

$0.82 ₹79.2

$1.74 Rp 31.1K

-52.87%

White Bread (500g)

$0.51 ₹49.01

$2.46 Rp 44.0K

-79.27%

Rice (white) (1kg)

$0.77 ₹73.7

$1.17 Rp 20.9K

-34.19%

Eggs

$0.99 ₹95.5

$2.43 Rp 43.5K

-59.26%

Local Cheese (1kg)

$5.94 ₹572

$14.50 Rp 259.5K

-59.03%

Chicken Fillets (1kg)

$3.95 ₹380

$4.35 Rp 77.8K

-9.20%

Beef Round Steak (1kg)

$11.98 Rp 214.3K

Apples (1kg)

$2.56 ₹246

$3.72 Rp 66.5K

-31.18%

Banana (1kg)

$0.89 ₹85.8

$1.63 Rp 29.1K

-45.40%

Oranges (1kg)

$1.29 ₹125

$2.74 Rp 49.1K

-52.92%

Tomato (1kg)

$0.66 ₹63.6

$2.24 Rp 40.1K

-70.54%

Potato (1kg)

$0.45 ₹43.37

$1.92 Rp 34.3K

-76.56%

Onion (1kg)

$0.49 ₹47.15

$2.28 Rp 40.7K

-78.51%

Lettuce (1 head)

$0.95 ₹91.5

$1.06 Rp 19.0K

-10.38%

Water (1.5 liter bottle)

$0.38 ₹36.27

$0.72 Rp 12.9K

-47.22%

Cigarettes 20 Pack (Marlboro, Camel)

$2.97 ₹286

$3.29 Rp 58.8K

-9.73%

Wine (Bottle)

$7.16 ₹690

$23.19 Rp 414.9K

-69.12%

Local Beer (0.5 liter bottle)

$1.00 ₹96.2

$2.78 Rp 49.7K

-64.03%

Imported Beer (0.33 liter bottle)

$3.39 ₹326

$2.73 Rp 48.9K

24.18%

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

$4.75 ₹457

One-way Ticket (Public Transport)

$0.16 ₹15.57

$0.27 Rp 4,765

-40.74%

Public Transport Monthly Pass (Regular Price)

$7.12 ₹686

$8.11 Rp 145.0K

-12.21%

Taxi Start (Normal Tariff)

$0.45 ₹43.80

$0.48 Rp 8,636

-6.25%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,511

Taxi 1hour Waiting (Normal Tariff)

$1.47 ₹142

$6.22 Rp 111.3K

-76.37%

Gasoline (1 liter)

$1.15 ₹111

$0.81 Rp 14.6K

41.98%

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

$11.0K ₹1.1M

$26.6K Rp 476.1M

-58.81%

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

$24.4K ₹2.3M

$32.2K Rp 575.9M

-24.31%

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

$23.36 ₹2,249

$78.4 Rp 1.4M

-70.19%

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

$4.26 ₹410

$4.07 Rp 72.8K

4.67%

Internet (50+ Mbps, Unlimited Data)

$9.45 ₹910

$24.33 Rp 435.2K

-61.16%

Gym Membership (Monthly)

$34.59 ₹3,330

$98.6 Rp 1.8M

-64.92%

Tennis Court (1 Hour on Weekend)

$3.46 ₹333

$6.34 Rp 113.3K

-45.43%

Cinema Ticket

$3.23 ₹311

$3.99 Rp 71.3K

-19.05%

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

$60.5 ₹5,828

$305 Rp 5.5M

-80.16%

International Primary School, 1 Child (Yearly)

$1,625 ₹156.5K

$6,642 Rp 118.8M

-75.53%

Jeans (Levis 501 Or Similar)

$41.17 ₹3,964

$54.1 Rp 968.6K

-23.96%

Summer Dress (H&M, Zara, etc)

$28.50 ₹2,744

$37.81 Rp 676.3K

-24.62%

Sport Shoes (Adidas, Nike)

$23.46 ₹2,259

$86.8 Rp 1.6M

-72.98%

Men's Leather Business Shoes

$17.56 ₹1,690

$76.4 Rp 1.4M

-77.00%

1-bedroom Apartment, City Center (Monthly)

$191 ₹18.4K

$992 Rp 17.7M

-80.78%

1-bedroom Apartment, Outside City Center (Monthly)

$148 ₹14.3K

$673 Rp 12.0M

-77.99%

3-bedroom Apartment, City Center (Monthly)

$390 ₹37.6K

$3,375 Rp 60.4M

-88.44%

3-bedroom Apartment, Outside City Center (Monthly)

$282 ₹27.1K

$2,050 Rp 36.7M

-86.25%

Buy Apartment in City Center (m2)

$896 ₹86.3K

$2,805 Rp 50.2M

-68.06%

Buy Apartment Outside City Center (m2)

$695 ₹66.9K

$2,227 Rp 39.8M

-68.78%

Average Monthly Net Salary (After Tax)

$186 ₹17.9K

$167 Rp 3.0M

11.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.62

13.28

-27.56%

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

Last update for Panaji: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $191 in Panaji and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Panaji pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $18.00 in Panaji vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $121 vs $297 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 189% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 12% 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: $191 in Panaji versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $60.5 in Panaji versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 145% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $486 in Panaji versus $1,408 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 189% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.