Last update: Oct 2026

Cost of Living Comparison Between Panama City, FL and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,409 in Panama City, FL, rent and utilities included – about $12,700 less a year. Rent and utilities account for most of the difference.

115

Cost of Living Index in Panama City, FL
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Panama City, FL Living Index
65

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

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Panama City, FL

🇺🇸 United States

$2,409

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,409 in Panama City, FL versus $1,349 in Ubud, Bali.

Panama City, FL $2,409
Ubud, Bali $1,349

Estimated couple costs with rent: $3,287 in Panama City, FL versus $2,305 in Ubud, Bali.

Panama City, FL $3,287
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,165 in Panama City, FL versus $3,261 in Ubud, Bali.

Panama City, FL $4,165
Ubud, Bali $3,261

Living in Panama City, FL is roughly 79% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$18.74 $18.74

$3.32 Rp 60.2K

464.46%

Three-Course Dinner for Two, Mid-Range

$54.0 $54.0

$35.64 Rp 646.0K

51.52%

Fast Food Meal (McDonalds, etc)

$12.11 $12.11

$5.53 Rp 100.3K

118.99%

Cappuccino

$5.60 $5.60

$2.72 Rp 49.3K

105.88%

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

$2.89 $2.89

$1.70 Rp 30.8K

70.00%

Water (0.33 liter bottle)

$1.70 $1.70

$0.76 Rp 13.8K

123.68%

Local Beer (0.5 liter draught)

$5.10 $5.10

$2.65 Rp 48.1K

92.45%

Imported Beer (0.33 liter bottle)

$7.12 $7.12

$4.38 Rp 79.4K

62.56%

Milk (1 liter)

$0.90 $0.90

$1.49 Rp 27.0K

-39.60%

White Bread (500g)

$3.46 $3.46

$2.28 Rp 41.3K

51.75%

Rice (white) (1kg)

$2.66 $2.66

$1.19 Rp 21.6K

123.53%

Eggs

$3.30 $3.30

$2.04 Rp 36.9K

61.76%

Local Cheese (1kg)

$10.78 $10.78

$17.70 Rp 320.8K

-39.10%

Chicken Fillets (1kg)

$11.61 $11.61

$3.96 Rp 71.8K

193.18%

Beef Round Steak (1kg)

$14.64 $14.64

$12.19 Rp 221.0K

20.10%

Apples (1kg)

$4.10 $4.10

$3.66 Rp 66.3K

12.02%

Banana (1kg)

$1.49 $1.49

$1.52 Rp 27.5K

-1.97%

Oranges (1kg)

$2.73 $2.73

$2.23 Rp 40.4K

22.42%

Tomato (1kg)

$4.30 $4.30

$1.97 Rp 35.8K

118.27%

Potato (1kg)

$3.11 $3.11

$1.85 Rp 33.5K

68.11%

Onion (1kg)

$2.84 $2.84

$2.42 Rp 43.9K

17.36%

Lettuce (1 head)

$2.09 $2.09

$0.99 Rp 17.9K

111.11%

Water (1.5 liter bottle)

$2.22 $2.22

$0.51 Rp 9,306

335.29%

Cigarettes 20 Pack (Marlboro, Camel)

$9.31 $9.31

$2.22 Rp 40.3K

319.37%

Wine (Bottle)

$12.15 $12.15

$22.24 Rp 403.1K

-45.37%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$2.26 Rp 41.0K

-24.78%

Imported Beer (0.33 liter bottle)

$3.86 $3.86

$2.97 Rp 53.8K

29.97%

One-way Ticket (Public Transport)

$1.46 $1.46

$0.25 Rp 4,550

484.00%

Public Transport Monthly Pass (Regular Price)

$35.52 $35.52

$7.82 Rp 141.8K

354.22%

Taxi Start (Normal Tariff)

$2.55 $2.55

$0.44 Rp 7,967

479.55%

Taxi (Normal Tariff) (1km)

$1.51 $1.51

$0.43 Rp 7,796

251.16%

Taxi 1hour Waiting (Normal Tariff)

$26.17 $26.17

$5.41 Rp 98.0K

383.73%

Gasoline (1 liter)

$0.98 $0.98

$0.82 Rp 15.0K

19.51%

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

$27.5K $27.5K

$23.8K Rp 432.1M

15.35%

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

$25.9K $25.9K

$31.7K Rp 575.5M

-18.27%

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

$169 $169

$79.1 Rp 1.4M

114.20%

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

$44.38 $44.38

$6.45 Rp 116.8K

588.06%

Internet (50+ Mbps, Unlimited Data)

$59.5 $59.5

$18.58 Rp 336.7K

220.45%

Gym Membership (Monthly)

$24.35 $24.35

$49.48 Rp 896.9K

-50.79%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.9K

Cinema Ticket

$12.87 $12.87

$4.27 Rp 77.5K

201.41%

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

$618 $618

$491 Rp 8.9M

25.96%

International Primary School, 1 Child (Yearly)

$13.9K $13.9K

$5,674 Rp 102.8M

144.17%

Jeans (Levis 501 Or Similar)

$48.26 $48.26

$44.64 Rp 809.1K

8.11%

Summer Dress (H&M, Zara, etc)

$40.43 $40.43

$34.95 Rp 633.5K

15.68%

Sport Shoes (Adidas, Nike)

$84.5 $84.5

$79.9 Rp 1.4M

5.71%

Men's Leather Business Shoes

$95.9 $95.9

$79.4 Rp 1.4M

20.70%

1-bedroom Apartment, City Center (Monthly)

$921 $921

$1,125 Rp 20.4M

-18.11%

1-bedroom Apartment, Outside City Center (Monthly)

$1,248 $1,248

$671 Rp 12.2M

85.83%

3-bedroom Apartment, City Center (Monthly)

$1,673 $1,673

$3,565 Rp 64.6M

-53.07%

3-bedroom Apartment, Outside City Center (Monthly)

$1,662 $1,662

$1,723 Rp 31.2M

-3.57%

Buy Apartment in City Center (m2)

$3,269 $3,269

$2,732 Rp 49.5M

19.67%

Buy Apartment Outside City Center (m2)

$2,694 $2,694

$2,284 Rp 41.4M

17.97%

Average Monthly Net Salary (After Tax)

$3,980 $3,980

$164 Rp 3.0M

2329.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

13.78

-52.54%

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

Last update for Panama City, FL: 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

Panama City, FL

$1.2K 51.8%

Ubud, Bali

$672 49.8% 46.2% $576

Groceries & Markets

Panama City, FL

$354 14.7%

Ubud, Bali

$288 21.4% 18.5% $66

Eating Out

Panama City, FL

$312 12.9%

Ubud, Bali

$108 8% 65.4% $204

Monthly Utilities & Internet

Panama City, FL

$273 11.3%

Ubud, Bali

$104 7.7% 61.9% $169

Clothing & Footwear

Panama City, FL

$121 5%

Ubud, Bali

$108 8% 11.2% $14

Getting Around

Panama City, FL

$51 2.1%

Ubud, Bali

$11 0.9% 77.8% $40

Sport & Entertainment

Panama City, FL

$50 2.1%

Ubud, Bali

$58 4.3% 15.9% $7.9

Cost Breakdown

A one-bedroom apartment in the center runs $921 in Panama City, FL and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Panama City, FL pays about 24 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $54 in Panama City, FL vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $354 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Panama City, FL

🇮🇩 Ubud, Bali

🕒 Local time

10:16 10:16 AM

23:16 11:16 PM

13 h ahead of Panama City, FL

🌤 Weather

👥 Population

36,484

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.896 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 29, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,125 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,227 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Panama City, FL Ubud, Bali 16,770 km ≈ 21 h nonstop flight

From you

Panama City, FL
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

Panama City, FL vs Ubud, Bali: Cost of Living - Frequently Asked Questions

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

Average pay in Panama City, FL is about 24 times higher, 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: $921 in Panama City, FL versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $618 in Panama City, FL versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 23% higher in Panama City, FL. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

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