Last update: Nov 2026

Cost of Living Comparison Between San Fernando, La Union and Ubud, Bali

For one person, living is cheaper in San Fernando, La Union: $721 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

34

Cost of Living Index in San Fernando, La Union
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San Fernando, La Union Living Index
64

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

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San Fernando, La Union

🇵🇭 Philippines

$721

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $721 per month in San Fernando, La Union vs $1,331 in Ubud, Bali, rent included.

San Fernando, La Union $721
Ubud, Bali $1,331

A couple spends around $1,102 per month in San Fernando, La Union vs $2,255 in Ubud, Bali, rent included.

San Fernando, La Union $1,102
Ubud, Bali $2,255

A family of three spends $1,484 per month in San Fernando, La Union vs $3,180 in Ubud, Bali, rent included.

San Fernando, La Union $1,484
Ubud, Bali $3,180

San Fernando, La Union is about 46% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both San Fernando, La Union and Ubud, Bali are more affordable than the global median – San Fernando, La Union 47% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$3.97 ₱253

$3.38 Rp 61.3K

17.46%

Three-Course Dinner for Two, Mid-Range

$16.71 ₱1,062

$34.65 Rp 629.1K

-51.77%

Fast Food Meal (McDonalds, etc)

$2.69 ₱171

$5.57 Rp 101.2K

-51.71%

Cappuccino

$2.14 ₱136

$2.62 Rp 47.6K

-18.32%

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

$0.69 ₱43.67

$1.54 Rp 27.9K

-55.19%

Water (0.33 liter bottle)

$0.33 ₱21.23

$0.64 Rp 11.6K

-48.44%

Local Beer (0.5 liter draught)

$1.19 ₱75.4

$2.67 Rp 48.4K

-55.43%

Imported Beer (0.33 liter bottle)

$2.06 ₱131

$4.26 Rp 77.4K

-51.64%

Milk (1 liter)

$1.65 ₱105

$1.46 Rp 26.5K

13.01%

White Bread (500g)

$1.09 ₱69.6

$2.29 Rp 41.6K

-52.40%

Rice (white) (1kg)

$0.89 ₱56.7

$1.11 Rp 20.1K

-19.82%

Eggs

$1.90 ₱121

$2.10 Rp 38.1K

-9.52%

Local Cheese (1kg)

$5.52 ₱351

$15.94 Rp 289.4K

-65.37%

Chicken Fillets (1kg)

$4.09 ₱260

$3.88 Rp 70.5K

5.41%

Beef Round Steak (1kg)

$7.11 ₱452

$11.40 Rp 207.0K

-37.63%

Apples (1kg)

$2.39 ₱152

$3.55 Rp 64.5K

-32.68%

Banana (1kg)

$1.57 ₱99.6

$1.54 Rp 27.9K

1.95%

Oranges (1kg)

$2.33 ₱148

$2.23 Rp 40.5K

4.48%

Tomato (1kg)

$1.17 ₱74.6

$1.97 Rp 35.8K

-40.61%

Potato (1kg)

$2.06 ₱131

$1.86 Rp 33.7K

10.75%

Onion (1kg)

$2.30 ₱146

$2.42 Rp 43.9K

-4.96%

Lettuce (1 head)

$1.08 ₱68.8

$1.02 Rp 18.6K

5.88%

Water (1.5 liter bottle)

$0.53 ₱33.65

$0.52 Rp 9,483

1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.82 ₱180

$2.20 Rp 39.9K

28.18%

Wine (Bottle)

$7.54 ₱479

$21.79 Rp 395.6K

-65.40%

Local Beer (0.5 liter bottle)

$0.99 ₱62.9

$2.33 Rp 42.2K

-57.51%

Imported Beer (0.33 liter bottle)

$1.93 ₱122

$2.97 Rp 53.9K

-35.02%

One-way Ticket (Public Transport)

$0.22 ₱13.92

$0.25 Rp 4,546

-12.00%

Public Transport Monthly Pass (Regular Price)

$12.52 ₱796

$8.17 Rp 148.4K

53.24%

Taxi Start (Normal Tariff)

$0.80 ₱51.0

$0.44 Rp 7,947

81.82%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.72

$0.47 Rp 8,496

-57.45%

Taxi 1hour Waiting (Normal Tariff)

$1.91 ₱122

$5.60 Rp 101.7K

-65.89%

Gasoline (1 liter)

$1.03 ₱65.7

$0.83 Rp 15.0K

24.10%

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

$20.8K ₱1.3M

$24.4K Rp 443.8M

-14.93%

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

$19.1K ₱1.2M

$31.7K Rp 575.5M

-39.87%

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

$119 ₱7,589

$77.5 Rp 1.4M

54.04%

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

$15.64 ₱994

$6.14 Rp 111.6K

154.72%

Internet (50+ Mbps, Unlimited Data)

$23.84 ₱1,515

$18.92 Rp 343.4K

26.00%

Gym Membership (Monthly)

$31.64 ₱2,012

$51.0 Rp 925.8K

-37.95%

Tennis Court (1 Hour on Weekend)

$5.16 ₱328

$18.25 Rp 331.3K

-71.73%

Cinema Ticket

$5.22 ₱332

$4.38 Rp 79.6K

19.18%

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

$130 ₱8,240

$492 Rp 8.9M

-73.68%

International Primary School, 1 Child (Yearly)

$7,895 ₱501.9K

$12.2K Rp 221.9M

-35.40%

Jeans (Levis 501 Or Similar)

$33.12 ₱2,106

$45.16 Rp 819.9K

-26.66%

Summer Dress (H&M, Zara, etc)

$19.07 ₱1,213

$34.89 Rp 633.4K

-45.34%

Sport Shoes (Adidas, Nike)

$69.2 ₱4,402

$78.3 Rp 1.4M

-11.59%

Men's Leather Business Shoes

$55.4 ₱3,520

$77.9 Rp 1.4M

-28.91%

1-bedroom Apartment, City Center (Monthly)

$251 ₱16.0K

$1,078 Rp 19.6M

-76.71%

1-bedroom Apartment, Outside City Center (Monthly)

$167 ₱10.6K

$665 Rp 12.1M

-74.88%

3-bedroom Apartment, City Center (Monthly)

$490 ₱31.1K

$3,510 Rp 63.7M

-86.05%

3-bedroom Apartment, Outside City Center (Monthly)

$350 ₱22.3K

$1,671 Rp 30.3M

-79.05%

Buy Apartment in City Center (m2)

$2,657 ₱168.9K

$2,340 Rp 42.5M

13.55%

Buy Apartment Outside City Center (m2)

$1,125 ₱71.5K

$2,236 Rp 40.6M

-49.71%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.92

13.78

-49.78%

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

Last update for San Fernando, La Union: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Groceries & Markets

San Fernando, La Union

$179 24.8%

Ubud, Bali

$279 21% 56.3% $101

Accommodation & Living

San Fernando, La Union

$167 23.2%

Ubud, Bali

$665 50% 298% $498

Monthly Utilities & Internet

San Fernando, La Union

$159 22%

Ubud, Bali

$103 7.7% 35.4% $56

Eating Out

San Fernando, La Union

$80 11.1%

Ubud, Bali

$106 8% 32.7% $26

Clothing & Footwear

San Fernando, La Union

$80 11%

Ubud, Bali

$106 8% 33.6% $27

Sport & Entertainment

San Fernando, La Union

$42 5.8%

Ubud, Bali

$60 4.5% 42% $18

Getting Around

San Fernando, La Union

$15 2.1%

Ubud, Bali

$12 0.9% 21.3% $3.2

Cost Breakdown

A central one-bedroom costs $251 in San Fernando, La Union versus $1,078 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 $17 in San Fernando, La Union versus $35 in Ubud, Bali. Monthly groceries follow the same trend: $179 vs $279 – making San Fernando, La Union the more affordable choice for daily food spending.

Good to know

🇵🇭 San Fernando, La Union

🇮🇩 Ubud, Bali

🕒 Local time

07:04 7:04 AM

Same time as San Fernando, La Union

🌤 Weather

👥 Population

83,003

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

Exchange rates and currency converter

IDR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 4, 2026: 1 USD = 63.58 PHP (100 PHP = 1.57 USD). 1 EUR = 71.57 PHP (100 PHP = 1.4 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

San Fernando, La Union Ubud, Bali 2,850 km ≈ 4 h nonstop flight

From you

San Fernando, La Union
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

San Fernando, La Union vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 85%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,082 per month in San Fernando, La Union and $1,996 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in San Fernando, La Union, especially for central apartments: a one-bedroom in the center costs $251 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $17 in San Fernando, La Union and $35 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $721 in San Fernando, La Union and $1,331 in Ubud, Bali. That makes San Fernando, La Union about 46% cheaper.

A $1,000 monthly budget goes further in San Fernando, La Union, where all-in costs run around $721, than in Ubud, Bali at $1,331. In San Fernando, La Union it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward San Fernando, La Union – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.