Last update: Oct 2026

Cost of Living Comparison Between Pharr, TX and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $2,582 in Pharr, TX, rent and utilities included – about $14,700 less a year. Rent and utilities account for most of the difference.

125

Cost of Living Index in Pharr, TX
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Pharr, TX Living Index
66

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

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Pharr, TX

🇺🇸 United States

$2,582

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $2,582 per month in Pharr, TX vs $1,353 in Ubud, Bali, rent included.

Pharr, TX $2,582
Ubud, Bali $1,353

A couple spends around $3,769 per month in Pharr, TX vs $2,297 in Ubud, Bali, rent included.

Pharr, TX $3,769
Ubud, Bali $2,297

A family of three spends $4,956 per month in Pharr, TX vs $3,241 in Ubud, Bali, rent included.

Pharr, TX $4,956
Ubud, Bali $3,241

Pharr, TX costs about 91% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Pharr, TX and Ubud, Bali sit above the global median – Pharr, TX by 91%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$18.67 $18.67

$3.23 Rp 58.1K

478.02%

Three-Course Dinner for Two, Mid-Range

$75.5 $75.5

$34.88 Rp 627.8K

116.46%

Fast Food Meal (McDonalds, etc)

$10.79 $10.79

$5.70 Rp 102.5K

89.30%

Cappuccino

$5.14 $5.14

$2.62 Rp 47.1K

96.18%

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

$2.47 $2.47

$1.72 Rp 31.0K

43.60%

Water (0.33 liter bottle)

$2.01 $2.01

$0.81 Rp 14.6K

148.15%

Local Beer (0.5 liter draught)

$5.84 $5.84

$2.65 Rp 47.7K

120.38%

Imported Beer (0.33 liter bottle)

$7.06 $7.06

$4.37 Rp 78.6K

61.56%

Milk (1 liter)

$1.00 $1.00

$1.57 Rp 28.3K

-36.31%

White Bread (500g)

$3.55 $3.55

$2.19 Rp 39.5K

62.10%

Rice (white) (1kg)

$4.21 $4.21

$1.18 Rp 21.2K

256.78%

Eggs

$4.03 $4.03

$2.16 Rp 38.8K

86.57%

Local Cheese (1kg)

$12.30 $12.30

$17.65 Rp 317.7K

-30.31%

Chicken Fillets (1kg)

$11.22 $11.22

$3.78 Rp 68.0K

196.83%

Beef Round Steak (1kg)

$15.35 $15.35

$11.95 Rp 215.1K

28.45%

Apples (1kg)

$4.83 $4.83

$3.60 Rp 64.8K

34.17%

Banana (1kg)

$1.65 $1.65

$1.59 Rp 28.6K

3.77%

Oranges (1kg)

$4.36 $4.36

$2.31 Rp 41.6K

88.74%

Tomato (1kg)

$4.74 $4.74

$1.91 Rp 34.3K

148.17%

Potato (1kg)

$2.76 $2.76

$1.78 Rp 32.1K

55.06%

Onion (1kg)

$2.87 $2.87

$2.33 Rp 41.9K

23.18%

Lettuce (1 head)

$2.07 $2.07

$1.00 Rp 18.0K

107.00%

Water (1.5 liter bottle)

$2.09 $2.09

$0.53 Rp 9,509

294.34%

Cigarettes 20 Pack (Marlboro, Camel)

$9.72 $9.72

$2.29 Rp 41.1K

324.45%

Wine (Bottle)

$13.73 $13.73

$22.07 Rp 397.3K

-37.79%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.35 Rp 42.2K

-24.26%

Imported Beer (0.33 liter bottle)

$3.41 $3.41

$2.98 Rp 53.6K

14.43%

One-way Ticket (Public Transport)

$2.03 $2.03

$0.23 Rp 4,112

782.61%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

Taxi Start (Normal Tariff)

$3.52 $3.52

$0.47 Rp 8,466

648.94%

Taxi (Normal Tariff) (1km)

$1.63 $1.63

$0.43 Rp 7,737

279.07%

Taxi 1hour Waiting (Normal Tariff)

$29.04 $29.04

$5.47 Rp 98.4K

430.90%

Gasoline (1 liter)

$0.90 $0.90

$0.83 Rp 14.9K

8.43%

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

$29.1K $29.1K

$23.9K Rp 429.8M

22.03%

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

$26.1K $26.1K

$32.8K Rp 590.1M

-20.41%

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

$186 $186

$80.0 Rp 1.4M

132.64%

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

$53.8 $53.8

$6.56 Rp 118.1K

720.73%

Internet (50+ Mbps, Unlimited Data)

$66.7 $66.7

$18.60 Rp 334.8K

258.39%

Gym Membership (Monthly)

$42.77 $42.77

$54.1 Rp 974.1K

-20.97%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$13.33 $13.33

$4.25 Rp 76.5K

213.65%

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

$1,280 $1,280

$493 Rp 8.9M

159.86%

International Primary School, 1 Child (Yearly)

$23.1K $23.1K

$5,597 Rp 100.7M

312.98%

Jeans (Levis 501 Or Similar)

$51.9 $51.9

$45.58 Rp 820.4K

13.82%

Summer Dress (H&M, Zara, etc)

$39.93 $39.93

$34.96 Rp 629.4K

14.22%

Sport Shoes (Adidas, Nike)

$86.9 $86.9

$77.7 Rp 1.4M

11.86%

Men's Leather Business Shoes

$112 $112

$78.5 Rp 1.4M

42.04%

1-bedroom Apartment, City Center (Monthly)

$1,597 $1,597

$1,131 Rp 20.4M

41.14%

1-bedroom Apartment, Outside City Center (Monthly)

$1,368 $1,368

$673 Rp 12.1M

103.29%

3-bedroom Apartment, City Center (Monthly)

$2,612 $2,612

$3,613 Rp 65.0M

-27.71%

3-bedroom Apartment, Outside City Center (Monthly)

$2,250 $2,250

$1,702 Rp 30.6M

32.24%

Buy Apartment in City Center (m2)

$2,824 $2,824

$2,717 Rp 48.9M

3.91%

Buy Apartment Outside City Center (m2)

$2,479 $2,479

$2,241 Rp 40.3M

10.63%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

13.78

-52.76%

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

Last update for Pharr, TX: October 17, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Pharr, TX

$1.4K 53%

Ubud, Bali

$673 49.7% 50.8% $695

Groceries & Markets

Pharr, TX

$383 14.8%

Ubud, Bali

$287 21.2% 25.1% $96

Monthly Utilities & Internet

Pharr, TX

$307 11.9%

Ubud, Bali

$105 7.8% 65.7% $201

Eating Out

Pharr, TX

$305 11.8%

Ubud, Bali

$106 7.9% 65.1% $198

Clothing & Footwear

Pharr, TX

$131 5.1%

Ubud, Bali

$107 7.9% 18.4% $24

Sport & Entertainment

Pharr, TX

$69 2.7%

Ubud, Bali

$63 4.6% 9.8% $6.8

Getting Around

Pharr, TX

$20 * 0.8%

Ubud, Bali

$12 0.9% 37.2% $7.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,597 in Pharr, TX versus $1,131 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.

A mid-range dinner for two costs $75.0 in Pharr, TX versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $383 vs $287 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Pharr, TX

🇮🇩 Ubud, Bali

🕒 Local time

06:43 6:43 AM

19:43 7:43 PM

13 h ahead of Pharr, TX

🌤 Weather

👥 Population

61,360

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.89 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

IDR to USD in detail →

On the map

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Between locations

Pharr, TX Ubud, Bali 15,980 km ≈ 20 h nonstop flight

From you

Pharr, TX
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

Pharr, TX vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,582 in Pharr, TX, $1,353 in Ubud, Bali – roughly 91% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,873 per month in Pharr, TX and $2,030 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.

Monthly expenses with rent come to $2,582 in Pharr, TX and $1,353 in Ubud, Bali. That's a gap of about 91%.

Kindergarten costs $1,280 per month in Pharr, TX and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in Pharr, TX at $2,582. In Ubud, Bali it covers expenses comfortably, while in Pharr, TX it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,353 in Ubud, Bali to $2,582 in Pharr, TX. Climate, culture, job market, and personal taste all factor in.

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, Pharr, TX makes more sense. Both are solid long-term options with distinct trade-offs.