Last update: Oct 2026

Cost of Living Comparison Between Panama and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,604 in Panama, rent and utilities included – about $3,100 less a year. Other living expenses account for most of the difference.

77

Cost of Living Index in Panama
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Panama Living Index
66

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

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🇵🇦 Panama

$1,604

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

😐 Solo nomad: Panama is 45.8% more expensive than Ubud, Bali without rent, and 19% more expensive with rent.

😐 Family of 3: Panama is 33.4% more expensive than Ubud, Bali without rent, and 0.9% more expensive with rent.

Meal at Budget Restaurant

$7.86 PAB 7.86

$3.33 Rp 59.6K

136.04%

Three-Course Dinner for Two, Mid-Range

$44.75 PAB 44.75

$35.42 Rp 633.1K

26.34%

Fast Food Meal (McDonalds, etc)

$7.89 PAB 7.89

$5.76 Rp 102.9K

36.98%

Cappuccino

$3.84 PAB 3.84

$2.63 Rp 47.0K

46.01%

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

$1.59 PAB 1.59

$1.74 Rp 31.0K

-8.62%

Water (0.33 liter bottle)

$1.41 PAB 1.41

$0.77 Rp 13.8K

83.12%

Local Beer (0.5 liter draught)

$2.19 PAB 2.19

$2.71 Rp 48.4K

-19.19%

Imported Beer (0.33 liter bottle)

$4.04 PAB 4.04

$4.52 Rp 80.8K

-10.62%

Milk (1 liter)

$1.85 PAB 1.85

$1.53 Rp 27.4K

20.92%

White Bread (500g)

$2.32 PAB 2.32

$2.20 Rp 39.2K

5.45%

Rice (white) (1kg)

$2.99 PAB 2.99

$1.22 Rp 21.8K

145.08%

Eggs

$2.48 PAB 2.48

$2.14 Rp 38.2K

15.89%

Local Cheese (1kg)

$12.28 PAB 12.28

$17.73 Rp 316.9K

-30.74%

Chicken Fillets (1kg)

$6.94 PAB 6.94

$3.86 Rp 68.9K

79.79%

Beef Round Steak (1kg)

$10.11 PAB 10.11

$12.03 Rp 215.0K

-15.96%

Apples (1kg)

$4.18 PAB 4.18

$3.61 Rp 64.5K

15.79%

Banana (1kg)

$1.48 PAB 1.48

$1.51 Rp 27.1K

-1.99%

Oranges (1kg)

$3.65 PAB 3.65

$2.32 Rp 41.4K

57.33%

Tomato (1kg)

$3.73 PAB 3.73

$2.00 Rp 35.8K

86.50%

Potato (1kg)

$2.50 PAB 2.50

$1.81 Rp 32.4K

38.12%

Onion (1kg)

$3.29 PAB 3.29

$2.39 Rp 42.7K

37.66%

Lettuce (1 head)

$2.34 PAB 2.34

$0.99 Rp 17.8K

136.36%

Water (1.5 liter bottle)

$1.57 PAB 1.57

$0.52 Rp 9,373

201.92%

Cigarettes 20 Pack (Marlboro, Camel)

$6.08 PAB 6.08

$2.18 Rp 39.0K

178.90%

Wine (Bottle)

$9.88 PAB 9.88

$22.98 Rp 410.7K

-57.01%

Local Beer (0.5 liter bottle)

$1.39 PAB 1.39

$2.40 Rp 42.8K

-42.08%

Imported Beer (0.33 liter bottle)

$2.42 PAB 2.42

$3.00 Rp 53.6K

-19.33%

One-way Ticket (Public Transport)

$0.43 PAB 0.43

$0.24 Rp 4,255

79.17%

Public Transport Monthly Pass (Regular Price)

$20.96 PAB 20.96

$6.99 Rp 125.0K

199.86%

Taxi Start (Normal Tariff)

$2.43 PAB 2.43

$0.44 Rp 7,876

452.27%

Taxi (Normal Tariff) (1km)

$1.82 PAB 1.82

$0.42 Rp 7,582

333.33%

Taxi 1hour Waiting (Normal Tariff)

$21.79 PAB 21.79

$5.45 Rp 97.4K

299.82%

Gasoline (1 liter)

$1.18 PAB 1.18

$0.84 Rp 15.1K

40.48%

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

$21.5K PAB 21.5K

$24.3K Rp 434.8M

-11.65%

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

$22.2K PAB 22.2K

$31.9K Rp 570.0M

-30.40%

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

$119 PAB 119

$80.8 Rp 1.4M

47.22%

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

$27.03 PAB 27.03

$6.58 Rp 117.6K

310.79%

Internet (50+ Mbps, Unlimited Data)

$47.70 PAB 47.70

$18.24 Rp 326.1K

161.51%

Gym Membership (Monthly)

$48.94 PAB 48.94

$55.1 Rp 985.4K

-11.23%

Tennis Court (1 Hour on Weekend)

$30.16 PAB 30.16

$18.51 Rp 330.9K

62.94%

Cinema Ticket

$7.84 PAB 7.84

$4.24 Rp 75.9K

84.91%

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

$536 PAB 536

$486 Rp 8.7M

10.29%

International Primary School, 1 Child (Yearly)

$8,069 PAB 8,069

$5,676 Rp 101.5M

42.16%

Jeans (Levis 501 Or Similar)

$53.5 PAB 53.5

$45.18 Rp 807.6K

18.39%

Summer Dress (H&M, Zara, etc)

$42.77 PAB 42.77

$34.57 Rp 617.9K

23.72%

Sport Shoes (Adidas, Nike)

$87.4 PAB 87.4

$79.2 Rp 1.4M

10.41%

Men's Leather Business Shoes

$103 PAB 103

$77.6 Rp 1.4M

33.15%

1-bedroom Apartment, City Center (Monthly)

$944 PAB 944

$1,127 Rp 20.1M

-16.19%

1-bedroom Apartment, Outside City Center (Monthly)

$697 PAB 697

$674 Rp 12.1M

3.33%

3-bedroom Apartment, City Center (Monthly)

$1,728 PAB 1,728

$3,618 Rp 64.7M

-52.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,262 PAB 1,262

$1,735 Rp 31.0M

-27.22%

Buy Apartment in City Center (m2)

$2,941 PAB 2,941

$2,829 Rp 50.6M

3.98%

Buy Apartment Outside City Center (m2)

$1,673 PAB 1,673

$2,307 Rp 41.2M

-27.47%

Average Monthly Net Salary (After Tax)

$826 PAB 826

$166 Rp 3.0M

398.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.37

13.78

-53.77%

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

Last update for Panama: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Panama

$697 44%

Ubud, Bali

$674 49.6% 3.2% $22

Groceries & Markets

Panama

$302 19.1%

Ubud, Bali

$290 21.4% 4% $12

Monthly Utilities & Internet

Panama

$194 12.2%

Ubud, Bali

$106 7.8% 45.5% $88

Eating Out

Panama

$164 10.3%

Ubud, Bali

$108 8% 33.9% $56

Clothing & Footwear

Panama

$129 8.2%

Ubud, Bali

$106 7.8% 17.6% $23

Sport & Entertainment

Panama

$65 4.1%

Ubud, Bali

$64 4.7% 1.6% $1

Getting Around

Panama

$34 2.2%

Ubud, Bali

$11 0.8% 69.3% $24

Good to know

🇵🇦 Panama

🇮🇩 Ubud, Bali

🕒 Local time

03:37 3:37 AM

16:37 4:37 PM

13 h ahead of Panama

🌤 Weather

👥 Population

4,098,587

74,800

💱 Currency

Panamanian Balboa PAB B/.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PAB = 1 USD

1 PAB = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 10, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to PAB in detail →

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