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

Monthly Cost of Living

A single person spends $1,875 per month in Panama City vs $1,396 in Ubud, Bali, rent included.

A couple spends around $2,722 per month in Panama City vs $2,334 in Ubud, Bali, rent included.

A family of three spends $3,569 per month in Panama City vs $3,273 in Ubud, Bali, rent included.

Panama City costs about 34% more than Ubud, Bali, driven mainly by Eating Out.

Both Panama City and Ubud, Bali sit above the global median – Panama City by 36%, Ubud, Bali by 2%.

Meal at Budget Restaurant

$10.05 PAB 10.05

$3.37 Rp 59.7K

198.22%

Three-Course Dinner for Two, Mid-Range

$45.07 PAB 45.07

$38.59 Rp 682.4K

16.79%

Fast Food Meal (McDonalds, etc)

$7.91 PAB 7.91

$5.52 Rp 97.6K

43.30%

Cappuccino

$4.12 PAB 4.12

$2.64 Rp 46.8K

56.06%

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

$1.93 PAB 1.93

$1.67 Rp 29.6K

15.57%

Water (0.33 liter bottle)

$1.56 PAB 1.56

$0.77 Rp 13.6K

102.60%

Local Beer (0.5 liter draught)

$2.95 PAB 2.95

$2.63 Rp 46.6K

12.17%

Imported Beer (0.33 liter bottle)

$4.07 PAB 4.07

$4.28 Rp 75.7K

-4.91%

Milk (1 liter)

$1.91 PAB 1.91

$1.55 Rp 27.3K

23.23%

White Bread (500g)

$2.44 PAB 2.44

$2.22 Rp 39.3K

9.91%

Rice (white) (1kg)

$3.12 PAB 3.12

$1.13 Rp 19.9K

176.11%

Eggs

$2.81 PAB 2.81

$2.09 Rp 36.9K

34.45%

Local Cheese (1kg)

$12.63 PAB 12.63

$17.39 Rp 307.6K

-27.37%

Chicken Fillets (1kg)

$6.49 PAB 6.49

$3.87 Rp 68.4K

67.70%

Beef Round Steak (1kg)

$10.25 PAB 10.25

$12.55 Rp 221.9K

-18.33%

Apples (1kg)

$4.49 PAB 4.49

$3.62 Rp 63.9K

24.03%

Banana (1kg)

$1.69 PAB 1.69

$1.56 Rp 27.6K

8.33%

Oranges (1kg)

$3.99 PAB 3.99

$2.35 Rp 41.6K

69.79%

Tomato (1kg)

$3.94 PAB 3.94

$2.06 Rp 36.4K

91.26%

Potato (1kg)

$3.24 PAB 3.24

$1.90 Rp 33.6K

70.53%

Onion (1kg)

$4.27 PAB 4.27

$2.34 Rp 41.3K

82.48%

Lettuce (1 head)

$2.17 PAB 2.17

$1.03 Rp 18.2K

110.68%

Water (1.5 liter bottle)

$1.69 PAB 1.69

$0.55 Rp 9,809

207.27%

Cigarettes 20 Pack (Marlboro, Camel)

$5.98 PAB 5.98

$2.25 Rp 39.8K

165.78%

Wine (Bottle)

$10.78 PAB 10.78

$23.81 Rp 421.0K

-54.72%

Local Beer (0.5 liter bottle)

$1.42 PAB 1.42

$2.31 Rp 40.9K

-38.53%

Imported Beer (0.33 liter bottle)

$2.71 PAB 2.71

$2.80 Rp 49.5K

-3.21%

One-way Ticket (Public Transport)

$0.37 PAB 0.37

$0.27 Rp 4,816

37.04%

Public Transport Monthly Pass (Regular Price)

$20.77 PAB 20.77

$8.66 Rp 153.2K

139.84%

Taxi Start (Normal Tariff)

$2.53 PAB 2.53

$0.48 Rp 8,515

427.08%

Taxi (Normal Tariff) (1km)

$1.85 PAB 1.85

$0.45 Rp 7,887

311.11%

Taxi 1hour Waiting (Normal Tariff)

$21.85 PAB 21.85

$5.72 Rp 101.1K

281.99%

Gasoline (1 liter)

$1.16 PAB 1.16

$0.76 Rp 13.4K

52.63%

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

$21.7K PAB 21.7K

$24.5K Rp 433.0M

-11.49%

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

$21.4K PAB 21.4K

$32.1K Rp 568.0M

-33.46%

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

$132 PAB 132

$83.6 Rp 1.5M

58.58%

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

$28.93 PAB 28.93

$6.46 Rp 114.2K

347.83%

Internet (50+ Mbps, Unlimited Data)

$49.52 PAB 49.52

$18.99 Rp 335.9K

160.77%

Gym Membership (Monthly)

$47.25 PAB 47.25

$56.0 Rp 989.8K

-15.58%

Tennis Court (1 Hour on Weekend)

$33.24 PAB 33.24

$18.62 Rp 329.2K

78.52%

Cinema Ticket

$7.88 PAB 7.88

$4.28 Rp 75.7K

84.11%

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

$546 PAB 546

$487 Rp 8.6M

12.30%

International Primary School, 1 Child (Yearly)

$9,732 PAB 9,732

$5,856 Rp 103.6M

66.20%

Jeans (Levis 501 Or Similar)

$59.5 PAB 59.5

$45.56 Rp 805.6K

30.66%

Summer Dress (H&M, Zara, etc)

$46.26 PAB 46.26

$36.38 Rp 643.3K

27.16%

Sport Shoes (Adidas, Nike)

$92.3 PAB 92.3

$82.0 Rp 1.4M

12.60%

Men's Leather Business Shoes

$116 PAB 116

$80.4 Rp 1.4M

43.92%

1-bedroom Apartment, City Center (Monthly)

$1,276 PAB 1,276

$1,117 Rp 19.7M

14.31%

1-bedroom Apartment, Outside City Center (Monthly)

$904 PAB 904

$701 Rp 12.4M

28.91%

3-bedroom Apartment, City Center (Monthly)

$2,126 PAB 2,126

$3,537 Rp 62.5M

-39.88%

3-bedroom Apartment, Outside City Center (Monthly)

$1,469 PAB 1,469

$1,762 Rp 31.2M

-16.63%

Buy Apartment in City Center (m2)

$3,086 PAB 3,086

$2,826 Rp 50.0M

9.20%

Buy Apartment Outside City Center (m2)

$1,697 PAB 1,697

$2,292 Rp 40.5M

-25.94%

Average Monthly Net Salary (After Tax)

$925 PAB 925

$170 Rp 3.0M

444.62%

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: August 31, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $1,276 in Panama City versus $1,117 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 445% 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 $45.00 in Panama City versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $318 vs $293 – making Ubud, Bali the more affordable choice for daily food spending.

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 34%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,812 per month in Panama City and $2,095 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 9% 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 $45.00 in Panama City and $39.00 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 $1,396, than in Panama City at $1,875. 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.