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

Monthly Cost of Living

Monthly costs for one person with rent: $1,197 in San Fernando versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $1,968 in San Fernando versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,740 in San Fernando versus $3,732 in Ubud, Bali.

Living in San Fernando costs roughly 17% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: San Fernando is 11% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$10.30 TTD 70.0

$3.57 Rp 61.6K

188.52%

Three-Course Dinner for Two, Mid-Range

$59.2 TTD 402

$32.58 Rp 562.6K

81.77%

Fast Food Meal (McDonalds, etc)

$7.54 TTD 51.2

$5.07 Rp 87.5K

48.72%

Cappuccino

$3.76 TTD 25.52

$2.83 Rp 48.8K

32.86%

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

$1.09 TTD 7.37

$1.34 Rp 23.1K

-18.66%

Water (0.33 liter bottle)

$0.80 TTD 5.45

$0.69 Rp 12.0K

15.94%

Local Beer (0.5 liter draught)

$1.90 TTD 12.89

$2.99 Rp 51.6K

-36.45%

Imported Beer (0.33 liter bottle)

$2.47 TTD 16.76

$3.85 Rp 66.4K

-35.84%

Milk (1 liter)

$2.00 TTD 13.56

$1.74 Rp 30.1K

14.94%

White Bread (500g)

$2.32 TTD 15.74

$2.54 Rp 43.8K

-8.66%

Rice (white) (1kg)

$2.57 TTD 17.44

$1.19 Rp 20.6K

115.97%

Eggs

$3.77 TTD 25.58

$2.43 Rp 41.9K

55.14%

Local Cheese (1kg)

$8.07 TTD 54.8

$14.66 Rp 253.2K

-44.95%

Chicken Fillets (1kg)

$10.36 TTD 70.3

$4.18 Rp 72.1K

147.85%

Beef Round Steak (1kg)

$8.47 TTD 57.5

$11.94 Rp 206.1K

-29.06%

Apples (1kg)

$5.81 TTD 39.45

$3.69 Rp 63.6K

57.45%

Banana (1kg)

$2.55 TTD 17.30

$1.61 Rp 27.7K

58.39%

Oranges (1kg)

$4.29 TTD 29.10

$2.69 Rp 46.4K

59.48%

Tomato (1kg)

$4.63 TTD 31.46

$2.33 Rp 40.2K

98.71%

Potato (1kg)

$1.23 TTD 8.33

$1.91 Rp 32.9K

-35.60%

Onion (1kg)

$0.77 TTD 5.23

$2.19 Rp 37.7K

-64.84%

Lettuce (1 head)

$1.46 TTD 9.90

$1.06 Rp 18.3K

37.74%

Water (1.5 liter bottle)

$1.21 TTD 8.22

$0.72 Rp 12.5K

68.06%

Cigarettes 20 Pack (Marlboro, Camel)

$5.52 TTD 37.49

$3.13 Rp 54.1K

76.36%

Wine (Bottle)

$17.74 TTD 120

$23.49 Rp 405.6K

-24.48%

Local Beer (0.5 liter bottle)

$1.50 TTD 10.20

$2.74 Rp 47.3K

-45.26%

Imported Beer (0.33 liter bottle)

$2.73 TTD 18.54

$2.88 Rp 49.7K

-5.21%

One-way Ticket (Public Transport)

$0.42 TTD 2.86

$0.29 Rp 5,010

44.83%

Public Transport Monthly Pass (Regular Price)

$44.18 TTD 300

$8.17 Rp 141.0K

440.76%

Taxi Start (Normal Tariff)

$0.92 TTD 6.23

$0.45 Rp 7,834

104.44%

Taxi (Normal Tariff) (1km)

$0.92 TTD 6.24

$0.42 Rp 7,278

119.05%

Taxi 1hour Waiting (Normal Tariff)

$14.79 TTD 100

$6.16 Rp 106.3K

140.10%

Gasoline (1 liter)

$1.03 TTD 7.00

$0.84 Rp 14.5K

22.62%

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

$34.2K TTD 232.4K

$26.2K Rp 453.1M

30.41%

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

$38.8K TTD 263.7K

$32.5K Rp 560.8M

19.57%

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

$45.18 TTD 307

$78.4 Rp 1.4M

-42.39%

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

$42.01 TTD 285

$3.95 Rp 68.2K

963.54%

Internet (50+ Mbps, Unlimited Data)

$46.20 TTD 314

$24.40 Rp 421.4K

89.34%

Gym Membership (Monthly)

$45.57 TTD 309

$96.5 Rp 1.7M

-52.80%

Tennis Court (1 Hour on Weekend)

$8.82 TTD 59.9

$6.35 Rp 109.6K

38.90%

Cinema Ticket

$9.12 TTD 61.9

$4.04 Rp 69.7K

125.74%

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

$326 TTD 2,212

$303 Rp 5.2M

7.66%

International Primary School, 1 Child (Yearly)

$2,226 TTD 15.1K

$6,523 Rp 112.6M

-65.87%

Jeans (Levis 501 Or Similar)

$45.00 TTD 306

$53.8 Rp 929.5K

-16.42%

Summer Dress (H&M, Zara, etc)

$36.74 TTD 249

$37.98 Rp 655.8K

-3.26%

Sport Shoes (Adidas, Nike)

$88.3 TTD 600

$86.8 Rp 1.5M

1.76%

Men's Leather Business Shoes

$89.8 TTD 610

$78.9 Rp 1.4M

13.92%

1-bedroom Apartment, City Center (Monthly)

$532 TTD 3,610

$1,012 Rp 17.5M

-47.48%

1-bedroom Apartment, Outside City Center (Monthly)

$348 TTD 2,365

$674 Rp 11.6M

-48.36%

3-bedroom Apartment, City Center (Monthly)

$977 TTD 6,636

$3,390 Rp 58.5M

-71.17%

3-bedroom Apartment, Outside City Center (Monthly)

$699 TTD 4,749

$2,098 Rp 36.2M

-66.66%

Buy Apartment in City Center (m2)

$2,016 TTD 13.7K

$2,985 Rp 51.5M

-32.45%

Buy Apartment Outside City Center (m2)

$1,497 TTD 10.2K

$2,339 Rp 40.4M

-36.01%

Average Monthly Net Salary (After Tax)

$1,009 TTD 6,850

$173 Rp 3.0M

482.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

13.28

-59.49%

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

Last update for San Fernando: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $532 in San Fernando and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

San Fernando pays 483% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $59.0 in San Fernando vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $329 vs $298 per month, with Ubud, Bali cheaper across the board.

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

San Fernando is cheaper overall, especially in Sport & Entertainment. The 20% gap adds up to real monthly savings that compound significantly over time.

San Fernando pays 483% more on average, 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: $532 in San Fernando versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in San Fernando – a meal for two runs $59.0 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,197 per month in San Fernando versus $1,438 in Ubud, Bali – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,197 in San Fernando versus $1,438 in Ubud, Bali, a $1,500 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.

For families, San Fernando is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, San Fernando and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find San Fernando gentler on the wallet – expenses run 20% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.