Last update: Oct 2026

Cost of Living Comparison Between Panama City and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,855 in Panama City, rent and utilities included – about $5,800 less a year. Rent and utilities account for about half of the difference.

90

Cost of Living Index in Panama City
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Panama City Living Index
67

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

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Panama City

🇵🇦 Panama

$1,855

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,855 per month in Panama City vs $1,368 in Ubud, Bali, rent included.

Panama City $1,855
Ubud, Bali $1,368

A couple spends around $2,804 per month in Panama City vs $2,314 in Ubud, Bali, rent included.

Panama City $2,804
Ubud, Bali $2,314

A family of three spends $3,753 per month in Panama City vs $3,260 in Ubud, Bali, rent included.

Panama City $3,753
Ubud, Bali $3,260

Panama City costs about 36% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Panama City and Ubud, Bali sit above the global median – Panama City by 37%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$11.63 PAB 11.63

$3.33 Rp 59.9K

249.25%

Three-Course Dinner for Two, Mid-Range

$47.92 PAB 47.92

$35.18 Rp 633.2K

36.21%

Fast Food Meal (McDonalds, etc)

$7.96 PAB 7.96

$5.80 Rp 104.5K

37.24%

Cappuccino

$4.22 PAB 4.22

$2.73 Rp 49.1K

54.58%

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

$2.01 PAB 2.01

$1.64 Rp 29.5K

22.56%

Water (0.33 liter bottle)

$1.56 PAB 1.56

$0.83 Rp 15.0K

87.95%

Local Beer (0.5 liter draught)

$3.39 PAB 3.39

$2.70 Rp 48.6K

25.56%

Imported Beer (0.33 liter bottle)

$3.94 PAB 3.94

$4.30 Rp 77.4K

-8.37%

Milk (1 liter)

$1.85 PAB 1.85

$1.50 Rp 27.1K

23.33%

White Bread (500g)

$2.56 PAB 2.56

$2.30 Rp 41.4K

11.30%

Rice (white) (1kg)

$3.48 PAB 3.48

$1.18 Rp 21.2K

194.92%

Eggs

$2.69 PAB 2.69

$2.14 Rp 38.6K

25.70%

Local Cheese (1kg)

$12.57 PAB 12.57

$17.48 Rp 314.6K

-28.09%

Chicken Fillets (1kg)

$6.83 PAB 6.83

$4.03 Rp 72.5K

69.48%

Beef Round Steak (1kg)

$10.58 PAB 10.58

$12.23 Rp 220.1K

-13.49%

Apples (1kg)

$4.18 PAB 4.18

$3.55 Rp 63.9K

17.75%

Banana (1kg)

$1.83 PAB 1.83

$1.57 Rp 28.3K

16.56%

Oranges (1kg)

$4.20 PAB 4.20

$2.24 Rp 40.2K

87.50%

Tomato (1kg)

$4.03 PAB 4.03

$1.93 Rp 34.7K

108.81%

Potato (1kg)

$3.48 PAB 3.48

$1.88 Rp 33.9K

85.11%

Onion (1kg)

$4.22 PAB 4.22

$2.29 Rp 41.3K

84.28%

Lettuce (1 head)

$2.41 PAB 2.41

$0.99 Rp 17.9K

143.43%

Water (1.5 liter bottle)

$1.69 PAB 1.69

$0.53 Rp 9,475

218.87%

Cigarettes 20 Pack (Marlboro, Camel)

$6.14 PAB 6.14

$2.28 Rp 41.1K

169.30%

Wine (Bottle)

$11.30 PAB 11.30

$23.01 Rp 414.2K

-50.89%

Local Beer (0.5 liter bottle)

$1.42 PAB 1.42

$2.34 Rp 42.2K

-39.32%

Imported Beer (0.33 liter bottle)

$2.73 PAB 2.73

$2.91 Rp 52.4K

-6.19%

One-way Ticket (Public Transport)

$0.33 PAB 0.33

$0.24 Rp 4,315

37.50%

Public Transport Monthly Pass (Regular Price)

$21.23 PAB 21.23

$8.82 Rp 158.7K

140.70%

Taxi Start (Normal Tariff)

$2.52 PAB 2.52

$0.48 Rp 8,684

425.00%

Taxi (Normal Tariff) (1km)

$1.86 PAB 1.86

$0.46 Rp 8,233

304.35%

Taxi 1hour Waiting (Normal Tariff)

$21.78 PAB 21.78

$5.45 Rp 98.2K

299.63%

Gasoline (1 liter)

$1.25 PAB 1.25

$0.88 Rp 15.9K

42.05%

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

$21.2K PAB 21.2K

$24.6K Rp 442.2M

-13.55%

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

$21.0K PAB 21.0K

$31.2K Rp 561.4M

-32.59%

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

$130 PAB 130

$83.0 Rp 1.5M

56.41%

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

$28.13 PAB 28.13

$6.45 Rp 116.0K

336.12%

Internet (50+ Mbps, Unlimited Data)

$48.21 PAB 48.21

$18.57 Rp 334.2K

159.61%

Gym Membership (Monthly)

$45.78 PAB 45.78

$55.8 Rp 1.0M

-17.99%

Tennis Court (1 Hour on Weekend)

$34.92 PAB 34.92

$18.11 Rp 326.0K

92.82%

Cinema Ticket

$8.67 PAB 8.67

$4.38 Rp 78.9K

97.95%

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

$544 PAB 544

$493 Rp 8.9M

10.39%

International Primary School, 1 Child (Yearly)

$9,697 PAB 9,697

$5,754 Rp 103.6M

68.54%

Jeans (Levis 501 Or Similar)

$66.8 PAB 66.8

$46.19 Rp 831.4K

44.51%

Summer Dress (H&M, Zara, etc)

$49.14 PAB 49.14

$35.33 Rp 636.0K

39.09%

Sport Shoes (Adidas, Nike)

$93.9 PAB 93.9

$79.1 Rp 1.4M

18.66%

Men's Leather Business Shoes

$112 PAB 112

$78.4 Rp 1.4M

42.30%

1-bedroom Apartment, City Center (Monthly)

$1,257 PAB 1,257

$1,142 Rp 20.6M

10.03%

1-bedroom Apartment, Outside City Center (Monthly)

$875 PAB 875

$676 Rp 12.2M

29.49%

3-bedroom Apartment, City Center (Monthly)

$2,155 PAB 2,155

$3,503 Rp 63.1M

-38.48%

3-bedroom Apartment, Outside City Center (Monthly)

$1,564 PAB 1,564

$1,700 Rp 30.6M

-8.00%

Buy Apartment in City Center (m2)

$3,122 PAB 3,122

$2,784 Rp 50.1M

12.15%

Buy Apartment Outside City Center (m2)

$1,709 PAB 1,709

$2,241 Rp 40.3M

-23.71%

Average Monthly Net Salary (After Tax)

$916 PAB 916

$165 Rp 3.0M

456.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.39

13.78

-53.63%

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

Last update for Panama City: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Panama City

$875 47.2%

Ubud, Bali

$676 49.4% 22.8% $199

Groceries & Markets

Panama City

$325 17.5%

Ubud, Bali

$290 21.2% 10.7% $35

Eating Out

Panama City

$207 11.1%

Ubud, Bali

$109 8% 47.4% $98

Monthly Utilities & Internet

Panama City

$206 11.1%

Ubud, Bali

$108 7.9% 47.6% $98

Clothing & Footwear

Panama City

$145 7.8%

Ubud, Bali

$108 7.9% 25.6% $37

Sport & Entertainment

Panama City

$63 3.4%

Ubud, Bali

$65 4.7% 2.3% $1.5

Getting Around

Panama City

$34 1.9%

Ubud, Bali

$13 0.9% 63.5% $22

Cost Breakdown

A central one-bedroom costs $1,257 in Panama City versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 457% higher in Panama City, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $48.00 in Panama City versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $325 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇵🇦 Panama City

🇮🇩 Ubud, Bali

🕒 Local time

10:52 10:52 AM

23:52 11:52 PM

13 h ahead of Panama City

🌤 Weather

👥 Population

1,086,990 Capital

74,800

💱 Currency

Panamanian Balboa PAB B/.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PAB = 1 USD

1 PAB = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PAB – Panamanian Balboa Converter

🇺🇸 United States Dollar ($)

🇵🇦 Panamanian Balboa (B/.)

Panamanian Balboa exchange rates as of October 19, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PAB in detail →

On the map

Lowest

Highest

Between locations

Panama City Ubud, Bali 18,390 km ≈ 23 h nonstop flight

From you

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

Yes – Panama City is pricier by about 36%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,783 per month in Panama City and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 12% more in Panama City, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $48.00 in Panama City and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Panama City at $1,855. In Ubud, Bali it covers expenses comfortably, while in Panama City it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Panama City makes more sense. Both are solid long-term options with distinct trade-offs.