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

šŸ˜ Solo nomad: Panama City is 36.4% more expensive than Ubud, Bali without rent, and 25.4% more expensive with rent.
šŸ˜ Family of 3: Panama City is 6.5% more expensive than Ubud, Bali without rent, and 2.4% cheaper with rent.
Currency
šŸ½ Eating Out
Panama City
Ubud, Bali
Difference
Meal at Budget Restaurant
$10.17 PABĀ 10.17
$3.47 RpĀ 58.5K
193.08%
Three-Course Dinner for Two, Mid-Range
$50.4 PABĀ 50.4
$32.10 RpĀ 541.6K
57.13%
Fast Food Meal (McDonalds, etc)
$7.88 PABĀ 7.88
$4.86 RpĀ 82.0K
62.14%
Cappuccino
$3.71 PABĀ 3.71
$2.82 RpĀ 47.6K
31.56%
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$1.64 PABĀ 1.64
$1.37 RpĀ 23.2K
19.71%
Water (0.33 liter bottle)
$1.33 PABĀ 1.33
$0.73 RpĀ 12.3K
82.19%
Local Beer (0.5 liter draught)
$2.95 PABĀ 2.95
$2.90 RpĀ 48.9K
1.72%
Imported Beer (0.33 liter bottle)
$4.06 PABĀ 4.06
$3.92 RpĀ 66.1K
3.57%
šŸ›’ Groceries & Markets
Panama City
Ubud, Bali
Difference
Milk (1 liter)
$1.83 PABĀ 1.83
$1.74 RpĀ 29.3K
5.17%
White Bread (500g)
$2.58 PABĀ 2.58
$2.44 RpĀ 41.2K
5.74%
Rice (white) (1kg)
$2.40 PABĀ 2.40
$1.17 RpĀ 19.7K
105.13%
Eggs
$2.97 PABĀ 2.97
$2.35 RpĀ 39.7K
26.38%
Local Cheese (1kg)
$11.34 PABĀ 11.34
$14.78 RpĀ 249.4K
-23.27%
Chicken Fillets (1kg)
$7.06 PABĀ 7.06
$4.25 RpĀ 71.7K
66.12%
Beef Round Steak (1kg)
$9.76 PABĀ 9.76
$12.21 RpĀ 206.1K
-20.07%
Apples (1kg)
$3.40 PABĀ 3.40
$3.72 RpĀ 62.8K
-8.60%
Banana (1kg)
$1.50 PABĀ 1.50
$1.56 RpĀ 26.2K
-3.85%
Oranges (1kg)
$2.77 PABĀ 2.77
$2.69 RpĀ 45.4K
2.97%
Tomato (1kg)
$3.23 PABĀ 3.23
$2.34 RpĀ 39.4K
38.03%
Potato (1kg)
$2.20 PABĀ 2.20
$2.00 RpĀ 33.7K
10.00%
Onion (1kg)
$2.87 PABĀ 2.87
$2.31 RpĀ 38.9K
24.24%
Lettuce (1 head)
$2.17 PABĀ 2.17
$1.01 RpĀ 17.1K
114.85%
Water (1.5 liter bottle)
$1.54 PABĀ 1.54
$0.73 RpĀ 12.3K
110.96%
Cigarettes 20 Pack (Marlboro, Camel)
$5.99 PABĀ 5.99
$3.31 RpĀ 55.9K
80.97%
Wine (Bottle)
$10.31 PABĀ 10.31
$25.14 RpĀ 424.2K
-58.99%
Local Beer (0.5 liter bottle)
$1.30 PABĀ 1.30
$2.90 RpĀ 48.9K
-55.17%
Imported Beer (0.33 liter bottle)
$2.33 PABĀ 2.33
$2.77 RpĀ 46.8K
-15.88%
šŸšŒ Getting Around
Panama City
Ubud, Bali
Difference
One-way Ticket (Public Transport)
$0.43 PABĀ 0.43
$0.27 RpĀ 4,526
59.26%
Public Transport Monthly Pass (Regular Price)
$22.39 PABĀ 22.39
$8.26 RpĀ 139.4K
171.07%
Taxi Start (Normal Tariff)
$2.46 PABĀ 2.46
$0.45 RpĀ 7,634
446.67%
Taxi (Normal Tariff) (1km)
$1.82 PABĀ 1.82
$0.42 RpĀ 7,129
333.33%
Taxi 1hour Waiting (Normal Tariff)
$21.57 PABĀ 21.57
$6.26 RpĀ 105.5K
244.57%
Gasoline (1 liter)
$0.95 PABĀ 0.95
$0.86 RpĀ 14.6K
10.47%
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$20.1K PABĀ 20.1K
$25.9K RpĀ 436.8M
-22.23%
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$20.1K PABĀ 20.1K
$31.9K RpĀ 538.1M
-36.85%
šŸ§¾ Monthly Utilities & Internet
Panama City
Ubud, Bali
Difference
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$123 PABĀ 123
$80.8 RpĀ 1.4M
52.79%
SIM Card Monthly Plan (Calls and 10GB+ Data)
$29.81 PABĀ 29.81
$3.98 RpĀ 67.1K
648.99%
Internet (50+ Mbps, Unlimited Data)
$49.87 PABĀ 49.87
$23.55 RpĀ 397.3K
111.76%
šŸŽ‰ Sport & Entertainment
Panama City
Ubud, Bali
Difference
Gym Membership (Monthly)
$46.19 PABĀ 46.19
$97.3 RpĀ 1.6M
-52.52%
Tennis Court (1 Hour on Weekend)
$32.83 PABĀ 32.83
$6.42 RpĀ 108.4K
411.37%
Cinema Ticket
$8.09 PABĀ 8.09
$4.16 RpĀ 70.3K
94.47%
šŸ§ø Childcare & Education
Panama City
Ubud, Bali
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$478 PABĀ 478
$294 RpĀ 5.0M
62.61%
International Primary School, 1 Child (Yearly)
$15.8K PABĀ 15.8K
$6,548 RpĀ 110.5M
141.37%
šŸ‘•šŸ‘Ÿ Clothing & Footwear
Panama City
Ubud, Bali
Difference
Jeans (Levis 501 Or Similar)
$52.0 PABĀ 52.0
$54.2 RpĀ 913.9K
-3.93%
Summer Dress (H&M, Zara, etc)
$46.66 PABĀ 46.66
$37.95 RpĀ 640.3K
22.95%
Sport Shoes (Adidas, Nike)
$89.6 PABĀ 89.6
$88.1 RpĀ 1.5M
1.71%
Men's Leather Business Shoes
$123 PABĀ 123
$78.1 RpĀ 1.3M
57.91%
šŸ  Accommodation & Living
Panama City
Ubud, Bali
Difference
1-bedroom Apartment, City Center (Monthly)
$1,124 PABĀ 1,124
$995 RpĀ 16.8M
12.90%
1-bedroom Apartment, Outside City Center (Monthly)
$894 PABĀ 894
$668 RpĀ 11.3M
33.89%
3-bedroom Apartment, City Center (Monthly)
$2,059 PABĀ 2,059
$3,391 RpĀ 57.2M
-39.28%
3-bedroom Apartment, Outside City Center (Monthly)
$1,553 PABĀ 1,553
$2,080 RpĀ 35.1M
-25.31%
Buy Apartment in City Center (m2)
$3,128 PABĀ 3,128
$3,037 RpĀ 51.2M
3.01%
Buy Apartment Outside City Center (m2)
$1,730 PABĀ 1,730
$2,378 RpĀ 40.1M
-27.25%
šŸ’µ Salaries & Financials
Panama City
Ubud, Bali
Difference
Average Monthly Net Salary (After Tax)
$967 PABĀ 967
$180 RpĀ 3.0M
438.74%
20-Year Fixed Mortgage Interest Rate (Annual %)
6.23
13.28
-53.09%

CityCost data is based on AI and user input ā€“ minor inaccuracies may occur.

Last update for Panama City: March 1, 2026

Last update for Ubud, Bali: March 1, 2026

City Median Internet Speeds Comparison (Updated December 2025)
The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index

Similar cities

Join the CityCost newsletter ā€“ low traffic, no spam, and easy to unsubscribe. Your email stays private.
Cost of Living Index Most Popular Cities Affordable Cities by Size