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: $1,198 in San Fernando versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $1,963 in San Fernando versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,727 in San Fernando versus $3,694 in Ubud, Bali.

Living in San Fernando costs roughly 15% 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 4% above.

Meal at Budget Restaurant

$10.19 TTD 68.9

$3.57 Rp 64.0K

185.43%

Three-Course Dinner for Two, Mid-Range

$59.3 TTD 401

$32.50 Rp 582.3K

82.31%

Fast Food Meal (McDonalds, etc)

$7.36 TTD 49.77

$4.86 Rp 87.1K

51.44%

Cappuccino

$3.55 TTD 24.03

$2.75 Rp 49.2K

29.09%

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

$1.06 TTD 7.15

$1.32 Rp 23.7K

-19.70%

Water (0.33 liter bottle)

$0.75 TTD 5.06

$0.70 Rp 12.6K

7.14%

Local Beer (0.5 liter draught)

$1.89 TTD 12.77

$2.91 Rp 52.2K

-35.05%

Imported Beer (0.33 liter bottle)

$2.46 TTD 16.63

$3.79 Rp 68.0K

-35.09%

Milk (1 liter)

$2.07 TTD 14.01

$1.71 Rp 30.6K

21.05%

White Bread (500g)

$2.34 TTD 15.81

$2.47 Rp 44.3K

-5.26%

Rice (white) (1kg)

$2.63 TTD 17.77

$1.20 Rp 21.5K

119.17%

Eggs

$3.77 TTD 25.47

$2.44 Rp 43.8K

54.51%

Local Cheese (1kg)

$7.96 TTD 53.8

$14.38 Rp 257.7K

-44.65%

Chicken Fillets (1kg)

$10.53 TTD 71.2

$4.31 Rp 77.1K

144.32%

Beef Round Steak (1kg)

$8.52 TTD 57.6

$12.21 Rp 218.7K

-30.22%

Apples (1kg)

$5.96 TTD 40.27

$3.68 Rp 66.0K

61.96%

Banana (1kg)

$2.58 TTD 17.48

$1.55 Rp 27.8K

66.45%

Oranges (1kg)

$4.32 TTD 29.23

$2.79 Rp 49.9K

54.84%

Tomato (1kg)

$4.74 TTD 32.05

$2.33 Rp 41.8K

103.43%

Potato (1kg)

$1.23 TTD 8.30

$1.97 Rp 35.3K

-37.56%

Onion (1kg)

$0.73 TTD 4.92

$2.31 Rp 41.4K

-68.40%

Lettuce (1 head)

$1.46 TTD 9.84

$1.06 Rp 19.1K

37.74%

Water (1.5 liter bottle)

$1.21 TTD 8.16

$0.73 Rp 13.1K

65.75%

Cigarettes 20 Pack (Marlboro, Camel)

$5.69 TTD 38.45

$3.28 Rp 58.8K

73.48%

Wine (Bottle)

$17.94 TTD 121

$22.79 Rp 408.4K

-21.28%

Local Beer (0.5 liter bottle)

$1.54 TTD 10.41

$2.81 Rp 50.3K

-45.20%

Imported Beer (0.33 liter bottle)

$2.82 TTD 19.06

$2.78 Rp 49.9K

1.44%

One-way Ticket (Public Transport)

$0.42 TTD 2.86

$0.29 Rp 5,217

44.83%

Public Transport Monthly Pass (Regular Price)

$43.75 TTD 296

$8.06 Rp 144.4K

442.80%

Taxi Start (Normal Tariff)

$0.86 TTD 5.79

$0.45 Rp 8,047

91.11%

Taxi (Normal Tariff) (1km)

$0.91 TTD 6.16

$0.45 Rp 8,094

102.22%

Taxi 1hour Waiting (Normal Tariff)

$14.70 TTD 99.4

$6.24 Rp 111.7K

135.58%

Gasoline (1 liter)

$1.03 TTD 6.98

$0.85 Rp 15.2K

21.18%

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

$33.8K TTD 228.2K

$26.0K Rp 465.4M

29.94%

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

$38.4K TTD 259.8K

$31.7K Rp 567.2M

21.39%

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

$44.62 TTD 302

$80.8 Rp 1.4M

-44.74%

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

$41.80 TTD 283

$4.06 Rp 72.7K

929.56%

Internet (50+ Mbps, Unlimited Data)

$45.79 TTD 310

$24.42 Rp 437.6K

87.51%

Gym Membership (Monthly)

$45.66 TTD 309

$97.7 Rp 1.7M

-53.25%

Tennis Court (1 Hour on Weekend)

$8.95 TTD 60.5

$6.45 Rp 115.5K

38.76%

Cinema Ticket

$9.01 TTD 60.9

$4.04 Rp 72.4K

123.02%

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

$324 TTD 2,190

$304 Rp 5.4M

6.53%

International Primary School, 1 Child (Yearly)

$2,257 TTD 15.3K

$6,621 Rp 118.6M

-65.91%

Jeans (Levis 501 Or Similar)

$44.69 TTD 302

$54.2 Rp 971.7K

-17.59%

Summer Dress (H&M, Zara, etc)

$36.57 TTD 247

$38.78 Rp 694.7K

-5.70%

Sport Shoes (Adidas, Nike)

$89.0 TTD 602

$86.1 Rp 1.5M

3.31%

Men's Leather Business Shoes

$87.7 TTD 593

$76.7 Rp 1.4M

14.43%

1-bedroom Apartment, City Center (Monthly)

$550 TTD 3,720

$986 Rp 17.7M

-44.17%

1-bedroom Apartment, Outside City Center (Monthly)

$341 TTD 2,302

$658 Rp 11.8M

-48.24%

3-bedroom Apartment, City Center (Monthly)

$952 TTD 6,436

$3,369 Rp 60.4M

-71.75%

3-bedroom Apartment, Outside City Center (Monthly)

$697 TTD 4,714

$2,066 Rp 37.0M

-66.25%

Buy Apartment in City Center (m2)

$2,003 TTD 13.5K

$2,741 Rp 49.1M

-26.94%

Buy Apartment Outside City Center (m2)

$1,489 TTD 10.1K

$2,228 Rp 39.9M

-33.16%

Average Monthly Net Salary (After Tax)

$1,031 TTD 6,971

$163 Rp 2.9M

530.96%

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: June 9, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $550 in San Fernando and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

San Fernando pays 531% 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 $333 vs $297 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 17% gap adds up to real monthly savings that compound significantly over time.

San Fernando pays 531% 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: $550 in San Fernando versus $986 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 $1,198 per month in San Fernando versus $1,404 in Ubud, Bali – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,198 in San Fernando versus $1,404 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 17% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.