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 $1,814 per month in Panama City vs $1,408 in Ubud, Bali, rent included.

A couple spends around $2,728 per month in Panama City vs $2,585 in Ubud, Bali, rent included.

A family of three spends $3,643 per month in Panama City vs $3,763 in Ubud, Bali, rent included.

Panama City costs about 29% 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 5%.

Meal at Budget Restaurant

$10.13 PAB 10.13

$3.45 Rp 62.1K

193.62%

Three-Course Dinner for Two, Mid-Range

$49.65 PAB 49.65

$32.34 Rp 581.1K

53.53%

Fast Food Meal (McDonalds, etc)

$8.06 PAB 8.06

$4.84 Rp 87.1K

66.53%

Cappuccino

$3.60 PAB 3.60

$2.75 Rp 49.4K

30.91%

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

$1.72 PAB 1.72

$1.38 Rp 24.9K

24.64%

Water (0.33 liter bottle)

$1.36 PAB 1.36

$0.75 Rp 13.5K

81.33%

Local Beer (0.5 liter draught)

$2.95 PAB 2.95

$2.99 Rp 53.8K

-1.34%

Imported Beer (0.33 liter bottle)

$4.03 PAB 4.03

$3.85 Rp 69.2K

4.68%

Milk (1 liter)

$1.81 PAB 1.81

$1.74 Rp 31.2K

4.02%

White Bread (500g)

$2.46 PAB 2.46

$2.46 Rp 44.2K

Rice (white) (1kg)

$2.41 PAB 2.41

$1.17 Rp 21.0K

105.98%

Eggs

$2.93 PAB 2.93

$2.43 Rp 43.7K

20.58%

Local Cheese (1kg)

$11.38 PAB 11.38

$14.50 Rp 260.6K

-21.52%

Chicken Fillets (1kg)

$7.06 PAB 7.06

$4.35 Rp 78.2K

62.30%

Beef Round Steak (1kg)

$9.85 PAB 9.85

$11.98 Rp 215.3K

-17.78%

Apples (1kg)

$3.37 PAB 3.37

$3.72 Rp 66.8K

-9.41%

Banana (1kg)

$1.51 PAB 1.51

$1.63 Rp 29.2K

-7.36%

Oranges (1kg)

$2.86 PAB 2.86

$2.74 Rp 49.3K

4.38%

Tomato (1kg)

$3.12 PAB 3.12

$2.24 Rp 40.3K

39.29%

Potato (1kg)

$2.23 PAB 2.23

$1.92 Rp 34.5K

16.15%

Onion (1kg)

$2.76 PAB 2.76

$2.28 Rp 40.9K

21.05%

Lettuce (1 head)

$2.18 PAB 2.18

$1.06 Rp 19.1K

105.66%

Water (1.5 liter bottle)

$1.53 PAB 1.53

$0.72 Rp 12.9K

112.50%

Cigarettes 20 Pack (Marlboro, Camel)

$6.09 PAB 6.09

$3.29 Rp 59.0K

85.11%

Wine (Bottle)

$10.78 PAB 10.78

$23.19 Rp 416.8K

-53.51%

Local Beer (0.5 liter bottle)

$1.28 PAB 1.28

$2.78 Rp 49.9K

-53.96%

Imported Beer (0.33 liter bottle)

$2.36 PAB 2.36

$2.73 Rp 49.1K

-13.55%

One-way Ticket (Public Transport)

$0.44 PAB 0.44

$0.27 Rp 4,786

62.96%

Public Transport Monthly Pass (Regular Price)

$22.10 PAB 22.10

$8.11 Rp 145.7K

172.50%

Taxi Start (Normal Tariff)

$2.44 PAB 2.44

$0.48 Rp 8,675

408.33%

Taxi (Normal Tariff) (1km)

$1.77 PAB 1.77

$0.42 Rp 7,545

321.43%

Taxi 1hour Waiting (Normal Tariff)

$21.61 PAB 21.61

$6.22 Rp 111.8K

247.43%

Gasoline (1 liter)

$0.95 PAB 0.95

$0.81 Rp 14.6K

17.28%

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

$19.6K PAB 19.6K

$26.6K Rp 478.2M

-26.32%

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

$20.6K PAB 20.6K

$32.2K Rp 578.5M

-36.10%

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

$122 PAB 122

$78.4 Rp 1.4M

55.79%

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

$29.88 PAB 29.88

$4.07 Rp 73.1K

634.15%

Internet (50+ Mbps, Unlimited Data)

$49.49 PAB 49.49

$24.33 Rp 437.1K

103.41%

Gym Membership (Monthly)

$45.36 PAB 45.36

$98.6 Rp 1.8M

-54.00%

Tennis Court (1 Hour on Weekend)

$32.73 PAB 32.73

$6.34 Rp 113.9K

416.25%

Cinema Ticket

$7.85 PAB 7.85

$3.99 Rp 71.6K

96.74%

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

$484 PAB 484

$305 Rp 5.5M

58.64%

International Primary School, 1 Child (Yearly)

$15.8K PAB 15.8K

$6,642 Rp 119.4M

138.00%

Jeans (Levis 501 Or Similar)

$51.6 PAB 51.6

$54.1 Rp 972.9K

-4.67%

Summer Dress (H&M, Zara, etc)

$46.50 PAB 46.50

$37.81 Rp 679.4K

22.98%

Sport Shoes (Adidas, Nike)

$88.6 PAB 88.6

$86.8 Rp 1.6M

2.05%

Men's Leather Business Shoes

$121 PAB 121

$76.4 Rp 1.4M

58.78%

1-bedroom Apartment, City Center (Monthly)

$1,158 PAB 1,158

$992 Rp 17.8M

16.77%

1-bedroom Apartment, Outside City Center (Monthly)

$894 PAB 894

$673 Rp 12.1M

32.89%

3-bedroom Apartment, City Center (Monthly)

$2,037 PAB 2,037

$3,375 Rp 60.7M

-39.66%

3-bedroom Apartment, Outside City Center (Monthly)

$1,578 PAB 1,578

$2,050 Rp 36.8M

-23.03%

Buy Apartment in City Center (m2)

$3,124 PAB 3,124

$2,805 Rp 50.4M

11.40%

Buy Apartment Outside City Center (m2)

$1,693 PAB 1,693

$2,227 Rp 40.0M

-24.00%

Average Monthly Net Salary (After Tax)

$926 PAB 926

$167 Rp 3.0M

454.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.23

13.28

-53.09%

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

Last update for Panama City: July 12, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A central one-bedroom costs $1,158 in Panama City versus $992 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 455% 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 $50.0 in Panama City versus $32.00 in Ubud, Bali. Groceries tell a different story – $288 in Panama City vs $297 in Ubud, Bali – so Panama City wins on supermarket bills even if dining out costs more.

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 29%, 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 $2,720 per month in Panama City and $2,112 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.

Interestingly, groceries are about 3% cheaper in Panama City – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $50.0 in Panama City and $32.00 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 $1,408, than in Panama City at $1,814. 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.