Cost of Living Comparison Between Pensacola, FL and Ubud, Bali Cost of Living Comparison Between Pensacola, FL and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,580 in Pensacola, FL versus $1,379 in Ubud, Bali.

Estimated couple costs with rent: $3,720 in Pensacola, FL versus $2,363 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,860 in Pensacola, FL versus $3,347 in Ubud, Bali.

Living in Pensacola, FL is roughly 87% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Pensacola, FL 88% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$19.88 $19.88

$3.31 Rp 58.9K

500.60%

Three-Course Dinner for Two, Mid-Range

$56.8 $56.8

$39.08 Rp 694.5K

45.37%

Fast Food Meal (McDonalds, etc)

$11.97 $11.97

$5.62 Rp 99.8K

112.99%

Cappuccino

$4.89 $4.89

$2.64 Rp 46.9K

85.23%

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

$2.97 $2.97

$1.58 Rp 28.2K

87.97%

Water (0.33 liter bottle)

$2.09 $2.09

$0.71 Rp 12.6K

194.37%

Local Beer (0.5 liter draught)

$5.88 $5.88

$2.73 Rp 48.5K

115.38%

Imported Beer (0.33 liter bottle)

$8.41 $8.41

$4.32 Rp 76.8K

94.68%

Milk (1 liter)

$0.89 $0.89

$1.54 Rp 27.4K

-42.21%

White Bread (500g)

$3.54 $3.54

$2.30 Rp 40.8K

53.91%

Rice (white) (1kg)

$2.76 $2.76

$1.03 Rp 18.3K

167.96%

Eggs

$3.13 $3.13

$2.12 Rp 37.7K

47.64%

Local Cheese (1kg)

$9.92 $9.92

$17.30 Rp 307.5K

-42.66%

Chicken Fillets (1kg)

$11.68 $11.68

$4.03 Rp 71.6K

189.83%

Beef Round Steak (1kg)

$14.50 $14.50

$12.42 Rp 220.8K

16.75%

Apples (1kg)

$3.94 $3.94

$3.70 Rp 65.7K

6.49%

Banana (1kg)

$1.46 $1.46

$1.62 Rp 28.7K

-9.88%

Oranges (1kg)

$2.63 $2.63

$2.27 Rp 40.3K

15.86%

Tomato (1kg)

$4.28 $4.28

$1.99 Rp 35.4K

115.08%

Potato (1kg)

$3.20 $3.20

$1.83 Rp 32.5K

74.86%

Onion (1kg)

$2.84 $2.84

$2.25 Rp 40.1K

26.22%

Lettuce (1 head)

$2.11 $2.11

$1.04 Rp 18.6K

102.88%

Water (1.5 liter bottle)

$2.20 $2.20

$0.56 Rp 10.0K

292.86%

Cigarettes 20 Pack (Marlboro, Camel)

$8.98 $8.98

$2.22 Rp 39.5K

304.50%

Wine (Bottle)

$13.01 $13.01

$23.22 Rp 412.7K

-43.97%

Local Beer (0.5 liter bottle)

$1.81 $1.81

$2.39 Rp 42.5K

-24.27%

Imported Beer (0.33 liter bottle)

$3.57 $3.57

$2.87 Rp 51.1K

24.39%

One-way Ticket (Public Transport)

$1.77 $1.77

$0.25 Rp 4,416

608.00%

Public Transport Monthly Pass (Regular Price)

$42.53 $42.53

$7.17 Rp 127.4K

493.17%

Taxi Start (Normal Tariff)

$2.45 $2.45

$0.46 Rp 8,163

432.61%

Taxi (Normal Tariff) (1km)

$1.65 $1.65

$0.46 Rp 8,235

258.70%

Taxi 1hour Waiting (Normal Tariff)

$26.23 $26.23

$5.70 Rp 101.2K

360.18%

Gasoline (1 liter)

$0.91 $0.91

$0.76 Rp 13.6K

19.74%

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

$36.8K $36.8K

$24.6K Rp 436.7M

49.61%

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

$26.1K $26.1K

$31.0K Rp 551.5M

-15.93%

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

$306 $306

$82.2 Rp 1.5M

272.86%

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

$51.8 $51.8

$6.33 Rp 112.5K

718.33%

Internet (50+ Mbps, Unlimited Data)

$71.6 $71.6

$18.54 Rp 329.6K

286.19%

Gym Membership (Monthly)

$28.43 $28.43

$56.1 Rp 996.2K

-49.28%

Tennis Court (1 Hour on Weekend)

$18.37 $18.37

$18.41 Rp 327.2K

-0.22%

Cinema Ticket

$12.79 $12.79

$4.26 Rp 75.8K

200.23%

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

$623 $623

$489 Rp 8.7M

27.31%

International Primary School, 1 Child (Yearly)

$14.0K $14.0K

$5,793 Rp 103.0M

140.84%

Jeans (Levis 501 Or Similar)

$47.74 $47.74

$45.98 Rp 817.3K

3.83%

Summer Dress (H&M, Zara, etc)

$40.30 $40.30

$35.86 Rp 637.4K

12.38%

Sport Shoes (Adidas, Nike)

$85.4 $85.4

$79.5 Rp 1.4M

7.44%

Men's Leather Business Shoes

$94.0 $94.0

$80.9 Rp 1.4M

16.13%

1-bedroom Apartment, City Center (Monthly)

$1,632 $1,632

$1,144 Rp 20.3M

42.68%

1-bedroom Apartment, Outside City Center (Monthly)

$1,293 $1,293

$692 Rp 12.3M

86.89%

3-bedroom Apartment, City Center (Monthly)

$2,751 $2,751

$3,532 Rp 62.8M

-22.11%

3-bedroom Apartment, Outside City Center (Monthly)

$2,146 $2,146

$1,709 Rp 30.4M

25.57%

Buy Apartment in City Center (m2)

$3,887 $3,887

$2,785 Rp 49.5M

39.61%

Buy Apartment Outside City Center (m2)

$2,147 $2,147

$2,261 Rp 40.2M

-5.05%

Average Monthly Net Salary (After Tax)

$3,667 $3,667

$169 Rp 3.0M

2065.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.21

13.78

-54.93%

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

Last update for Pensacola, FL: August 17, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,632 in Pensacola, FL and $1,144 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pensacola, FL pays 2066% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $57.0 in Pensacola, FL vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $352 vs $293 per month, with Ubud, Bali cheaper across the board.

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

Pensacola, FL vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Monthly Utilities & Internet, Clothing & Footwear, Getting Around. The 87% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2066% higher in Pensacola, FL, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,632 in Pensacola, FL versus $1,144 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 20% higher in Pensacola, FL. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $39.00 versus $57.0 in Pensacola, FL. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,379 in Ubud, Bali versus $2,580 in Pensacola, FL, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Pensacola, FL. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Pensacola, FL, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Pensacola, FL and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 87% less than in Pensacola, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.