Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,620 in Pensacola, FL, rent and utilities included – about $15,300 less a year. Rent and utilities account for most of the difference.

127

Cost of Living Index in Pensacola, FL
Learn more

Pensacola, FL Living Index
66

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Pensacola, FL

🇺🇸 United States

$2,620

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,620 in Pensacola, FL versus $1,348 in Ubud, Bali.

Pensacola, FL $2,620
Ubud, Bali $1,348

Estimated couple costs with rent: $3,753 in Pensacola, FL versus $2,312 in Ubud, Bali.

Pensacola, FL $3,753
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,885 in Pensacola, FL versus $3,276 in Ubud, Bali.

Pensacola, FL $4,885
Ubud, Bali $3,276

Living in Pensacola, FL is roughly 94% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Pensacola, FL 96% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$18.81 $18.81

$3.33 Rp 59.6K

464.86%

Three-Course Dinner for Two, Mid-Range

$55.2 $55.2

$35.42 Rp 633.1K

55.76%

Fast Food Meal (McDonalds, etc)

$12.16 $12.16

$5.76 Rp 102.9K

111.11%

Cappuccino

$5.34 $5.34

$2.63 Rp 47.0K

103.04%

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

$3.02 $3.02

$1.74 Rp 31.0K

73.56%

Water (0.33 liter bottle)

$2.23 $2.23

$0.77 Rp 13.8K

189.61%

Local Beer (0.5 liter draught)

$5.04 $5.04

$2.71 Rp 48.4K

85.98%

Imported Beer (0.33 liter bottle)

$7.13 $7.13

$4.52 Rp 80.8K

57.74%

Milk (1 liter)

$0.83 $0.83

$1.53 Rp 27.4K

-45.75%

White Bread (500g)

$3.45 $3.45

$2.20 Rp 39.2K

56.82%

Rice (white) (1kg)

$2.73 $2.73

$1.22 Rp 21.8K

123.77%

Eggs

$3.27 $3.27

$2.14 Rp 38.2K

52.80%

Local Cheese (1kg)

$10.67 $10.67

$17.73 Rp 316.9K

-39.82%

Chicken Fillets (1kg)

$11.53 $11.53

$3.86 Rp 68.9K

198.70%

Beef Round Steak (1kg)

$14.13 $14.13

$12.03 Rp 215.0K

17.46%

Apples (1kg)

$3.94 $3.94

$3.61 Rp 64.5K

9.14%

Banana (1kg)

$1.45 $1.45

$1.51 Rp 27.1K

-3.97%

Oranges (1kg)

$2.59 $2.59

$2.32 Rp 41.4K

11.64%

Tomato (1kg)

$4.36 $4.36

$2.00 Rp 35.8K

118.00%

Potato (1kg)

$3.17 $3.17

$1.81 Rp 32.4K

75.14%

Onion (1kg)

$2.71 $2.71

$2.39 Rp 42.7K

13.39%

Lettuce (1 head)

$2.18 $2.18

$0.99 Rp 17.8K

120.20%

Water (1.5 liter bottle)

$2.19 $2.19

$0.52 Rp 9,373

321.15%

Cigarettes 20 Pack (Marlboro, Camel)

$9.31 $9.31

$2.18 Rp 39.0K

327.06%

Wine (Bottle)

$14.91 $14.91

$22.98 Rp 410.7K

-35.12%

Local Beer (0.5 liter bottle)

$2.04 $2.04

$2.40 Rp 42.8K

-15.00%

Imported Beer (0.33 liter bottle)

$3.80 $3.80

$3.00 Rp 53.6K

26.67%

One-way Ticket (Public Transport)

$1.73 $1.73

$0.24 Rp 4,255

620.83%

Public Transport Monthly Pass (Regular Price)

$42.44 $42.44

$6.99 Rp 125.0K

507.15%

Taxi Start (Normal Tariff)

$2.53 $2.53

$0.44 Rp 7,876

475.00%

Taxi (Normal Tariff) (1km)

$1.64 $1.64

$0.42 Rp 7,582

290.48%

Taxi 1hour Waiting (Normal Tariff)

$25.81 $25.81

$5.45 Rp 97.4K

373.58%

Gasoline (1 liter)

$0.95 $0.95

$0.84 Rp 15.1K

13.10%

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

$36.0K $36.0K

$24.3K Rp 434.8M

47.92%

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

$26.2K $26.2K

$31.9K Rp 570.0M

-17.83%

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

$306 $306

$80.8 Rp 1.4M

278.46%

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

$51.3 $51.3

$6.58 Rp 117.6K

679.03%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$18.24 Rp 326.1K

284.98%

Gym Membership (Monthly)

$29.09 $29.09

$55.1 Rp 985.4K

-47.23%

Tennis Court (1 Hour on Weekend)

$18.44 $18.44

$18.51 Rp 330.9K

-0.38%

Cinema Ticket

$13.03 $13.03

$4.24 Rp 75.9K

207.31%

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

$618 $618

$486 Rp 8.7M

27.24%

International Primary School, 1 Child (Yearly)

$14.1K $14.1K

$5,676 Rp 101.5M

148.35%

Jeans (Levis 501 Or Similar)

$47.79 $47.79

$45.18 Rp 807.6K

5.78%

Summer Dress (H&M, Zara, etc)

$40.73 $40.73

$34.57 Rp 617.9K

17.82%

Sport Shoes (Adidas, Nike)

$83.5 $83.5

$79.2 Rp 1.4M

5.43%

Men's Leather Business Shoes

$93.4 $93.4

$77.6 Rp 1.4M

20.32%

1-bedroom Apartment, City Center (Monthly)

$1,682 $1,682

$1,127 Rp 20.1M

49.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,271 $1,271

$674 Rp 12.1M

88.51%

3-bedroom Apartment, City Center (Monthly)

$2,707 $2,707

$3,618 Rp 64.7M

-25.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,130 $2,130

$1,735 Rp 31.0M

22.80%

Buy Apartment in City Center (m2)

$3,836 $3,836

$2,829 Rp 50.6M

35.59%

Buy Apartment Outside City Center (m2)

$2,133 $2,133

$2,307 Rp 41.2M

-7.51%

Average Monthly Net Salary (After Tax)

$3,668 $3,668

$166 Rp 3.0M

2114.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

13.78

-52.54%

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

Last update for Pensacola, FL: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Pensacola, FL

$1.3K 48.9%

Ubud, Bali

$674 49.6% 47% $597

Monthly Utilities & Internet

Pensacola, FL

$427 16.4%

Ubud, Bali

$106 7.8% 75.3% $322

Groceries & Markets

Pensacola, FL

$357 13.7%

Ubud, Bali

$290 21.4% 18.7% $67

Eating Out

Pensacola, FL

$312 12%

Ubud, Bali

$108 8% 65.3% $203

Clothing & Footwear

Pensacola, FL

$119 4.6%

Ubud, Bali

$106 7.8% 10.9% $13

Getting Around

Pensacola, FL

$60 2.3%

Ubud, Bali

$11 0.8% 82.5% $50

Sport & Entertainment

Pensacola, FL

$55 2.1%

Ubud, Bali

$64 4.7% 15.4% $8.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,682 in Pensacola, FL and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Pensacola, FL pays 2114% 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: $55.0 in Pensacola, FL vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $357 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇺🇸 Pensacola, FL

🇮🇩 Ubud, Bali

🕒 Local time

01:48 1:48 AM

14:48 2:48 PM

13 h ahead of Pensacola, FL

🌤 Weather

👥 Population

53,248

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 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).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Pensacola, FL Ubud, Bali 16,640 km ≈ 21 h nonstop flight

From you

Pensacola, FL
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

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

Ubud, Bali is cheaper overall, especially in groceries, eating out, and utilities. The 94% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 2114% 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: $1,682 in Pensacola, FL versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 23% 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 $35.00 versus $55.0 in Pensacola, FL. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,348 in Ubud, Bali versus $2,620 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 94% less than in Pensacola, FL. Beyond cost, consider language, visa policies, and how big the international community is in each city.