Last update: Oct 2026

Cost of Living Comparison Between Philipsburg and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,094 in Philipsburg, rent and utilities included – about $20,900 less a year. Rent and utilities account for most of the difference.

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

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Philipsburg

🇸🇽 Sint Maarten

$3,094

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,094 in Philipsburg versus $1,349 in Ubud, Bali.

Philipsburg $3,094
Ubud, Bali $1,349

Estimated couple costs with rent: $6,080 in Philipsburg versus $2,305 in Ubud, Bali.

Philipsburg $6,080
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $9,066 in Philipsburg versus $3,261 in Ubud, Bali.

Philipsburg $9,066
Ubud, Bali $3,261

Living in Philipsburg is roughly 129% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$15.29 ANG 27.37

$3.32 Rp 60.3K

360.54%

Three-Course Dinner for Two, Mid-Range

$68.7 ANG 123

$35.64 Rp 646.5K

92.82%

Fast Food Meal (McDonalds, etc)

$8.01 ANG 14.34

$5.53 Rp 100.4K

44.85%

Cappuccino

$4.43 ANG 7.93

$2.72 Rp 49.3K

62.87%

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

$2.86 ANG 5.13

$1.70 Rp 30.9K

68.24%

Water (0.33 liter bottle)

$4.07 ANG 7.29

$0.76 Rp 13.8K

435.53%

Local Beer (0.5 liter draught)

$2.94 ANG 5.26

$2.65 Rp 48.1K

10.94%

Imported Beer (0.33 liter bottle)

$6.65 ANG 11.90

$4.38 Rp 79.5K

51.83%

Milk (1 liter)

$3.02 ANG 5.41

$1.49 Rp 27.0K

102.68%

White Bread (500g)

$2.73 ANG 4.89

$2.28 Rp 41.3K

19.74%

Rice (white) (1kg)

$2.46 ANG 4.40

$1.19 Rp 21.6K

106.72%

Eggs

$6.46 ANG 11.56

$2.04 Rp 36.9K

216.67%

Local Cheese (1kg)

$18.14 ANG 32.47

$17.70 Rp 321.1K

2.49%

Chicken Fillets (1kg)

$13.75 ANG 24.61

$3.96 Rp 71.9K

247.22%

Beef Round Steak (1kg)

$15.14 ANG 27.10

$12.19 Rp 221.1K

24.20%

Apples (1kg)

$5.09 ANG 9.11

$3.66 Rp 66.3K

39.07%

Banana (1kg)

$5.07 ANG 9.07

$1.52 Rp 27.5K

233.55%

Oranges (1kg)

$8.79 ANG 15.73

$2.23 Rp 40.4K

294.17%

Tomato (1kg)

$7.70 ANG 13.78

$1.97 Rp 35.8K

290.86%

Potato (1kg)

$3.94 ANG 7.04

$1.85 Rp 33.5K

112.97%

Onion (1kg)

$4.06 ANG 7.27

$2.42 Rp 44.0K

67.77%

Lettuce (1 head)

$4.95 ANG 8.86

$0.99 Rp 18.0K

400.00%

Water (1.5 liter bottle)

$1.36 ANG 2.44

$0.51 Rp 9,313

166.67%

Cigarettes 20 Pack (Marlboro, Camel)

$7.88 ANG 14.11

$2.22 Rp 40.3K

254.95%

Wine (Bottle)

$10.95 ANG 19.61

$22.24 Rp 403.4K

-50.76%

Local Beer (0.5 liter bottle)

$4.98 ANG 8.91

$2.26 Rp 41.0K

120.35%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$2.32 ANG 4.15

$0.25 Rp 4,553

828.00%

Public Transport Monthly Pass (Regular Price)

$1.53 ANG 2.74

$7.82 Rp 141.9K

-80.43%

Taxi Start (Normal Tariff)

$14.87 ANG 26.61

$0.44 Rp 7,972

3279.55%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$0.82 Rp 15.0K

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

$23.8K Rp 432.4M

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

$31.7K Rp 575.9M

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

$153 ANG 273

$79.1 Rp 1.4M

92.98%

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

$32.43 ANG 58.1

$6.45 Rp 116.9K

402.79%

Internet (50+ Mbps, Unlimited Data)

$65.0 ANG 116

$18.58 Rp 337.0K

250.05%

Gym Membership (Monthly)

$63.6 ANG 114

$49.48 Rp 897.5K

28.60%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$11.02 ANG 19.72

$4.27 Rp 77.5K

158.08%

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

$253 ANG 452

$491 Rp 8.9M

-48.51%

International Primary School, 1 Child (Yearly)

$12.2K ANG 21.9K

$5,674 Rp 102.9M

115.49%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

Men's Leather Business Shoes

$79.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$2,126 ANG 3,805

$1,125 Rp 20.4M

88.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,983 ANG 3,550

$671 Rp 12.2M

195.38%

3-bedroom Apartment, City Center (Monthly)

$6,627 ANG 11.9K

$3,565 Rp 64.7M

85.91%

3-bedroom Apartment, Outside City Center (Monthly)

$6,545 ANG 11.7K

$1,723 Rp 31.3M

279.77%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$1,111 ANG 1,988

$164 Rp 3.0M

577.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-63.72%

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

Last update for Philipsburg: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Philipsburg

–

Ubud, Bali

$672 49.8%

Groceries & Markets

Philipsburg

–

Ubud, Bali

$288 21.4%

Eating Out

Philipsburg

–

Ubud, Bali

$108 8%

Clothing & Footwear

Philipsburg

–

Ubud, Bali

$108 8%

Monthly Utilities & Internet

Philipsburg

–

Ubud, Bali

$104 7.7%

Sport & Entertainment

Philipsburg

–

Ubud, Bali

$58 4.3%

Getting Around

Philipsburg

–

Ubud, Bali

$11 0.9%

Cost Breakdown

A one-bedroom apartment in the center runs $2,126 in Philipsburg and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Philipsburg pays about 6.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $69 in Philipsburg vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $494 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇸🇽 Philipsburg

🇮🇩 Ubud, Bali

🕒 Local time

06:42 6:42 AM

18:42 6:42 PM

12 h ahead of Philipsburg

🌤 Weather

👥 Population

1,900 Capital

74,800

💱 Currency

Netherlands Antillean Guilder ANG ƒ

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 ANG = 0.559 USD

1 ANG = 0.501 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to ANG – Netherlands Antillean Guilder Converter

🇺🇸 United States Dollar ($)

🌐 Netherlands Antillean Guilder (ƒ)

Netherlands Antillean Guilder exchange rates as of November 2, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2 ANG (1 ANG = 0.501 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

USD to ANG in detail →

On the map

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Between locations

Philipsburg Ubud, Bali 18,940 km ≈ 24 h nonstop flight

From you

Philipsburg
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

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

Ubud, Bali wins on cost – living expenses run 56% lower than in Philipsburg. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Philipsburg is about 6.8 times higher, 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: $2,126 in Philipsburg versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 71% higher in Philipsburg. 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 $36 versus $69 in Philipsburg. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

It comes down to priorities – Ubud, Bali wins on affordability, Philipsburg on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.