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

Monthly Cost of Living

A single person spends $1,106 per month in San Fernando vs $1,408 in Ubud, Bali, rent included.

A couple spends around $1,770 per month in San Fernando vs $2,582 in Ubud, Bali, rent included.

A family of three spends $2,435 per month in San Fernando vs $3,757 in Ubud, Bali, rent included.

San Fernando is about 21% cheaper than Ubud, Bali, driven mainly by Eating Out.

San Fernando sits 17% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$10.66 MX$185

$3.42 Rp 58.7K

211.70%

Three-Course Dinner for Two, Mid-Range

$38.85 MX$673

$32.96 Rp 566.5K

17.87%

Fast Food Meal (McDonalds, etc)

$8.04 MX$139

$5.08 Rp 87.3K

58.27%

Cappuccino

$3.33 MX$57.7

$2.82 Rp 48.5K

18.09%

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

$1.24 MX$21.45

$1.37 Rp 23.5K

-9.49%

Water (0.33 liter bottle)

$0.95 MX$16.51

$0.71 Rp 12.2K

33.80%

Local Beer (0.5 liter draught)

$2.31 MX$40.05

$2.97 Rp 51.0K

-22.22%

Imported Beer (0.33 liter bottle)

$3.97 MX$68.8

$3.91 Rp 67.2K

1.53%

Milk (1 liter)

$1.44 MX$24.88

$1.75 Rp 30.0K

-17.71%

White Bread (500g)

$2.54 MX$44.09

$2.52 Rp 43.2K

0.79%

Rice (white) (1kg)

$1.61 MX$27.85

$1.21 Rp 20.8K

33.06%

Eggs

$2.39 MX$41.50

$2.33 Rp 40.1K

2.58%

Local Cheese (1kg)

$7.98 MX$138

$14.50 Rp 249.2K

-44.97%

Chicken Fillets (1kg)

$7.75 MX$134

$4.36 Rp 74.9K

77.75%

Beef Round Steak (1kg)

$10.60 MX$184

$12.05 Rp 207.0K

-12.03%

Apples (1kg)

$2.62 MX$45.42

$3.82 Rp 65.6K

-31.41%

Banana (1kg)

$1.44 MX$24.88

$1.61 Rp 27.7K

-10.56%

Oranges (1kg)

$1.71 MX$29.58

$2.70 Rp 46.5K

-36.67%

Tomato (1kg)

$1.66 MX$28.77

$2.23 Rp 38.3K

-25.56%

Potato (1kg)

$1.83 MX$31.67

$1.90 Rp 32.6K

-3.68%

Onion (1kg)

$1.92 MX$33.29

$2.18 Rp 37.5K

-11.93%

Lettuce (1 head)

$1.20 MX$20.83

$1.03 Rp 17.7K

16.50%

Water (1.5 liter bottle)

$0.98 MX$16.93

$0.77 Rp 13.3K

27.27%

Cigarettes 20 Pack (Marlboro, Camel)

$4.09 MX$70.9

$3.18 Rp 54.7K

28.62%

Wine (Bottle)

$10.29 MX$178

$23.23 Rp 399.2K

-55.70%

Local Beer (0.5 liter bottle)

$1.60 MX$27.67

$2.85 Rp 48.9K

-43.86%

Imported Beer (0.33 liter bottle)

$2.88 MX$49.86

$2.72 Rp 46.7K

5.88%

One-way Ticket (Public Transport)

$0.66 MX$11.40

$0.29 Rp 5,022

127.59%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

Taxi Start (Normal Tariff)

$2.55 MX$44.16

$0.49 Rp 8,344

420.41%

Taxi (Normal Tariff) (1km)

$1.58 MX$27.39

$0.45 Rp 7,812

251.11%

Taxi 1hour Waiting (Normal Tariff)

$8.38 MX$145

$6.28 Rp 107.8K

33.44%

Gasoline (1 liter)

$1.32 MX$22.90

$0.85 Rp 14.6K

55.29%

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

$21.0K MX$364.1K

$26.1K Rp 447.8M

-19.37%

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

$22.4K MX$387.9K

$31.5K Rp 541.8M

-29.01%

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

$57.6 MX$997

$79.8 Rp 1.4M

-27.86%

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

$22.39 MX$388

$4.09 Rp 70.3K

447.43%

Internet (50+ Mbps, Unlimited Data)

$27.89 MX$483

$24.06 Rp 413.6K

15.92%

Gym Membership (Monthly)

$36.08 MX$625

$96.2 Rp 1.7M

-62.49%

Tennis Court (1 Hour on Weekend)

$15.99 MX$277

$6.53 Rp 112.2K

144.87%

Cinema Ticket

$4.74 MX$82.2

$4.13 Rp 71.1K

14.77%

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

$205 MX$3,556

$297 Rp 5.1M

-30.86%

International Primary School, 1 Child (Yearly)

$3,549 MX$61.5K

$6,661 Rp 114.5M

-46.72%

Jeans (Levis 501 Or Similar)

$53.8 MX$932

$55.0 Rp 944.5K

-2.17%

Summer Dress (H&M, Zara, etc)

$40.25 MX$698

$38.75 Rp 666.0K

3.87%

Sport Shoes (Adidas, Nike)

$88.1 MX$1,527

$89.6 Rp 1.5M

-1.70%

Men's Leather Business Shoes

$79.3 MX$1,373

$78.9 Rp 1.4M

0.44%

1-bedroom Apartment, City Center (Monthly)

$510 MX$8,832

$1,018 Rp 17.5M

-49.95%

1-bedroom Apartment, Outside City Center (Monthly)

$400 MX$6,934

$660 Rp 11.3M

-39.37%

3-bedroom Apartment, City Center (Monthly)

$916 MX$15.9K

$3,435 Rp 59.0M

-73.32%

3-bedroom Apartment, Outside City Center (Monthly)

$768 MX$13.3K

$2,053 Rp 35.3M

-62.59%

Buy Apartment in City Center (m2)

$2,231 MX$38.7K

$2,981 Rp 51.2M

-25.15%

Buy Apartment Outside City Center (m2)

$1,219 MX$21.1K

$2,368 Rp 40.7M

-48.54%

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.48

13.28

-13.55%

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

Last update for San Fernando: April 21, 2026

Last update for Ubud, Bali: April 21, 2026

Cost Breakdown

A central one-bedroom costs $510 in San Fernando versus $1,018 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 $39 in San Fernando versus $33 in Ubud, Bali. Groceries tell a different story – $247 in San Fernando vs $299 in Ubud, Bali – so San Fernando wins on supermarket bills even if dining out costs more.

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

Yes – Ubud, Bali is pricier by about 27%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,658 per month in San Fernando and $2,112 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, 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 $1,106 in San Fernando and $1,408 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $205 per month in San Fernando and $297 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,500 monthly budget goes further in San Fernando, where all-in costs run around $1,106, than in Ubud, Bali at $1,408. In San Fernando 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 – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 San Fernando. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.