Last update: Nov 2026

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

For one person, living is cheaper in San Fernando: $807 a month against $1,331 in Ubud, Bali, rent and utilities included – about $6,300 less a year. Rent and utilities account for most of the difference.

39

Cost of Living Index in San Fernando
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San Fernando Living Index
64

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

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San Fernando

🇵🇭 Philippines

$807

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $807 in San Fernando versus $1,331 in Ubud, Bali.

San Fernando $807
Ubud, Bali $1,331

Estimated couple costs with rent: $1,271 in San Fernando versus $2,255 in Ubud, Bali.

San Fernando $1,271
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $1,735 in San Fernando versus $3,180 in Ubud, Bali.

San Fernando $1,735
Ubud, Bali $3,180

Living in San Fernando costs roughly 39% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: San Fernando 40% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$3.07 ₱195

$3.38 Rp 61.3K

-9.17%

Three-Course Dinner for Two, Mid-Range

$23.84 ₱1,516

$34.65 Rp 629.1K

-31.20%

Fast Food Meal (McDonalds, etc)

$2.82 ₱179

$5.57 Rp 101.2K

-49.37%

Cappuccino

$1.71 ₱109

$2.62 Rp 47.6K

-34.73%

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

$0.64 ₱40.43

$1.54 Rp 27.9K

-58.44%

Water (0.33 liter bottle)

$0.38 ₱24.23

$0.64 Rp 11.6K

-40.63%

Local Beer (0.5 liter draught)

$1.09 ₱69.3

$2.67 Rp 48.4K

-59.18%

Imported Beer (0.33 liter bottle)

$1.95 ₱124

$4.26 Rp 77.4K

-54.23%

Milk (1 liter)

$1.76 ₱112

$1.46 Rp 26.5K

20.55%

White Bread (500g)

$0.87 ₱55.0

$2.29 Rp 41.6K

-62.01%

Rice (white) (1kg)

$0.96 ₱61.1

$1.11 Rp 20.1K

-13.51%

Eggs

$1.90 ₱121

$2.10 Rp 38.1K

-9.52%

Local Cheese (1kg)

$4.60 ₱293

$15.94 Rp 289.4K

-71.14%

Chicken Fillets (1kg)

$3.31 ₱210

$3.88 Rp 70.5K

-14.69%

Beef Round Steak (1kg)

$7.04 ₱448

$11.40 Rp 207.0K

-38.25%

Apples (1kg)

$2.58 ₱164

$3.55 Rp 64.5K

-27.32%

Banana (1kg)

$2.06 ₱131

$1.54 Rp 27.9K

33.77%

Oranges (1kg)

$2.75 ₱175

$2.23 Rp 40.5K

23.32%

Tomato (1kg)

$0.92 ₱58.2

$1.97 Rp 35.8K

-53.30%

Potato (1kg)

$1.38 ₱88.0

$1.86 Rp 33.7K

-25.81%

Onion (1kg)

$1.32 ₱83.8

$2.42 Rp 43.9K

-45.45%

Lettuce (1 head)

$0.65 ₱41.09

$1.02 Rp 18.6K

-36.27%

Water (1.5 liter bottle)

$0.35 ₱22.37

$0.52 Rp 9,483

-32.69%

Cigarettes 20 Pack (Marlboro, Camel)

$2.71 ₱172

$2.20 Rp 39.9K

23.18%

Wine (Bottle)

$6.96 ₱442

$21.79 Rp 395.6K

-68.06%

Local Beer (0.5 liter bottle)

$0.75 ₱47.73

$2.33 Rp 42.2K

-67.81%

Imported Beer (0.33 liter bottle)

$2.95 ₱187

$2.97 Rp 53.9K

-0.67%

One-way Ticket (Public Transport)

$0.25 ₱15.80

$0.25 Rp 4,546

Public Transport Monthly Pass (Regular Price)

$13.59 ₱864

$8.17 Rp 148.4K

66.34%

Taxi Start (Normal Tariff)

$1.00 ₱63.7

$0.44 Rp 7,947

127.27%

Taxi (Normal Tariff) (1km)

$0.20 ₱12.70

$0.47 Rp 8,496

-57.45%

Taxi 1hour Waiting (Normal Tariff)

$1.94 ₱123

$5.60 Rp 101.7K

-65.36%

Gasoline (1 liter)

$1.27 ₱80.7

$0.83 Rp 15.0K

53.01%

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

$21.0K ₱1.3M

$24.4K Rp 443.8M

-14.02%

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)

$96.3 ₱6,121

$77.5 Rp 1.4M

24.25%

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

$17.18 ₱1,092

$6.14 Rp 111.6K

179.80%

Internet (50+ Mbps, Unlimited Data)

$30.29 ₱1,926

$18.92 Rp 343.4K

60.10%

Gym Membership (Monthly)

$31.66 ₱2,013

$51.0 Rp 925.8K

-37.91%

Tennis Court (1 Hour on Weekend)

$15.57 ₱990

$18.25 Rp 331.3K

-14.68%

Cinema Ticket

$4.66 ₱296

$4.38 Rp 79.6K

6.39%

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

$267 ₱17.0K

$492 Rp 8.9M

-45.71%

International Primary School, 1 Child (Yearly)

$13.5K ₱855.9K

$12.2K Rp 221.9M

10.15%

Jeans (Levis 501 Or Similar)

$49.06 ₱3,119

$45.16 Rp 819.9K

8.64%

Summer Dress (H&M, Zara, etc)

$37.73 ₱2,399

$34.89 Rp 633.4K

8.14%

Sport Shoes (Adidas, Nike)

$71.4 ₱4,542

$78.3 Rp 1.4M

-8.80%

Men's Leather Business Shoes

$78.4 ₱4,982

$77.9 Rp 1.4M

0.64%

1-bedroom Apartment, City Center (Monthly)

$402 ₱25.6K

$1,078 Rp 19.6M

-62.65%

1-bedroom Apartment, Outside City Center (Monthly)

$266 ₱16.9K

$665 Rp 12.1M

-60.06%

3-bedroom Apartment, City Center (Monthly)

$724 ₱46.0K

$3,510 Rp 63.7M

-79.37%

3-bedroom Apartment, Outside City Center (Monthly)

$560 ₱35.6K

$1,671 Rp 30.3M

-66.51%

Buy Apartment in City Center (m2)

$4,249 ₱270.2K

$2,340 Rp 42.5M

81.58%

Buy Apartment Outside City Center (m2)

$2,385 ₱151.6K

$2,236 Rp 40.6M

6.64%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-49.20%

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

Last update for San Fernando: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

San Fernando

$266 32.9%

Ubud, Bali

$665 50% 150% $399

Groceries & Markets

San Fernando

$167 20.7%

Ubud, Bali

$279 21% 67.2% $112

Monthly Utilities & Internet

San Fernando

$144 17.8%

Ubud, Bali

$103 7.7% 28.7% $41

Clothing & Footwear

San Fernando

$106 13.2%

Ubud, Bali

$106 8% 0.1% $0.1

Eating Out

San Fernando

$67 8.3%

Ubud, Bali

$106 8% 57.8% $39

Sport & Entertainment

San Fernando

$41 5.1%

Ubud, Bali

$60 4.5% 45.9% $19

Getting Around

San Fernando

$17 2.1%

Ubud, Bali

$12 0.9% 27.9% $4.6

Cost Breakdown

A one-bedroom apartment in the center runs $402 in San Fernando and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $24 in San Fernando vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $167 vs $279 per month, with San Fernando cheaper across the board.

Good to know

🇵🇭 San Fernando

🇮🇩 Ubud, Bali

🕒 Local time

01:28 1:28 AM

Same time as San Fernando

🌤 Weather

👥 Population

354,666

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 = 4.91 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 = 71.28 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 = 20,353 IDR (100,000 IDR = 4.91 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

San Fernando Ubud, Bali 2,680 km ≈ 3 h 45 min nonstop flight

From you

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

Total monthly costs including rent come to $807 in San Fernando and $1,331 in Ubud, Bali, so San Fernando is about 39% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,211 in San Fernando and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $402 in San Fernando versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $267 in San Fernando versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 67% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $807 in San Fernando versus $1,331 in Ubud, Bali, a $1,200 budget is realistic in San Fernando but tight or insufficient in Ubud, Bali. The gap between the two cities makes San Fernando the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.