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: $1,253 in San Fernando versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $2,001 in San Fernando versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,749 in San Fernando versus $3,275 in Ubud, Bali.

Living in San Fernando costs roughly 9% less than in Ubud, Bali, driven mainly by Monthly Utilities & Internet.

The two cities straddle the global median: San Fernando is 9% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$10.29 TTD 69.4

$3.33 Rp 58.7K

209.01%

Three-Course Dinner for Two, Mid-Range

$59.1 TTD 399

$35.82 Rp 630.7K

65.08%

Fast Food Meal (McDonalds, etc)

$8.15 TTD 54.9

$5.63 Rp 99.1K

44.76%

Cappuccino

$3.80 TTD 25.64

$2.82 Rp 49.7K

34.75%

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

$0.99 TTD 6.67

$1.75 Rp 30.8K

-43.43%

Water (0.33 liter bottle)

$0.76 TTD 5.12

$0.80 Rp 14.0K

-5.00%

Local Beer (0.5 liter draught)

$1.87 TTD 12.61

$3.04 Rp 53.6K

-38.49%

Imported Beer (0.33 liter bottle)

$2.51 TTD 16.92

$4.30 Rp 75.7K

-41.63%

Milk (1 liter)

$2.03 TTD 13.66

$1.61 Rp 28.3K

26.09%

White Bread (500g)

$2.26 TTD 15.25

$2.27 Rp 39.9K

-0.44%

Rice (white) (1kg)

$2.81 TTD 18.92

$1.17 Rp 20.6K

140.17%

Eggs

$3.93 TTD 26.50

$2.17 Rp 38.2K

81.11%

Local Cheese (1kg)

$6.79 TTD 45.75

$17.63 Rp 310.5K

-61.49%

Chicken Fillets (1kg)

$9.95 TTD 67.1

$4.05 Rp 71.4K

145.68%

Beef Round Steak (1kg)

$8.72 TTD 58.8

$12.18 Rp 214.5K

-28.41%

Apples (1kg)

$5.54 TTD 37.36

$3.62 Rp 63.7K

53.04%

Banana (1kg)

$2.47 TTD 16.65

$1.64 Rp 28.8K

50.61%

Oranges (1kg)

$3.59 TTD 24.23

$2.31 Rp 40.6K

55.41%

Tomato (1kg)

$4.18 TTD 28.20

$1.96 Rp 34.5K

113.27%

Potato (1kg)

$0.72 TTD 4.86

$1.84 Rp 32.5K

-60.87%

Onion (1kg)

$0.77 TTD 5.19

$2.37 Rp 41.7K

-67.51%

Lettuce (1 head)

$1.51 TTD 10.19

$1.05 Rp 18.5K

43.81%

Water (1.5 liter bottle)

$1.16 TTD 7.82

$0.54 Rp 9,560

114.81%

Cigarettes 20 Pack (Marlboro, Camel)

$5.76 TTD 38.84

$2.30 Rp 40.6K

150.43%

Wine (Bottle)

$17.73 TTD 120

$23.08 Rp 406.4K

-23.18%

Local Beer (0.5 liter bottle)

$1.56 TTD 10.53

$2.34 Rp 41.2K

-33.33%

Imported Beer (0.33 liter bottle)

$3.04 TTD 20.50

$3.07 Rp 54.0K

-0.98%

One-way Ticket (Public Transport)

$0.45 TTD 3.05

$0.25 Rp 4,365

80.00%

Public Transport Monthly Pass (Regular Price)

$44.37 TTD 299

$9.42 Rp 165.9K

371.02%

Taxi Start (Normal Tariff)

$0.87 TTD 5.86

$0.49 Rp 8,631

77.55%

Taxi (Normal Tariff) (1km)

$0.90 TTD 6.09

$0.47 Rp 8,349

91.49%

Taxi 1hour Waiting (Normal Tariff)

$14.99 TTD 101

$5.60 Rp 98.6K

167.68%

Gasoline (1 liter)

$1.17 TTD 7.91

$0.81 Rp 14.2K

44.44%

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

$36.2K TTD 244.4K

$25.0K Rp 440.3M

44.92%

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

$41.2K TTD 277.8K

$31.1K Rp 547.0M

32.63%

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

$44.23 TTD 298

$82.7 Rp 1.5M

-46.53%

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

$42.55 TTD 287

$6.49 Rp 114.2K

555.62%

Internet (50+ Mbps, Unlimited Data)

$46.30 TTD 312

$18.79 Rp 330.8K

146.41%

Gym Membership (Monthly)

$51.0 TTD 344

$55.2 Rp 972.6K

-7.71%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$8.89 TTD 59.9

$4.30 Rp 75.7K

106.74%

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

$396 TTD 2,670

$494 Rp 8.7M

-19.87%

International Primary School, 1 Child (Yearly)

$11.0K TTD 74.2K

$5,917 Rp 104.2M

85.88%

Jeans (Levis 501 Or Similar)

$55.2 TTD 372

$46.28 Rp 814.8K

19.34%

Summer Dress (H&M, Zara, etc)

$37.31 TTD 252

$36.44 Rp 641.6K

2.39%

Sport Shoes (Adidas, Nike)

$89.7 TTD 605

$80.7 Rp 1.4M

11.19%

Men's Leather Business Shoes

$87.5 TTD 590

$78.8 Rp 1.4M

10.98%

1-bedroom Apartment, City Center (Monthly)

$509 TTD 3,429

$1,114 Rp 19.6M

-54.35%

1-bedroom Apartment, Outside City Center (Monthly)

$391 TTD 2,634

$693 Rp 12.2M

-43.65%

3-bedroom Apartment, City Center (Monthly)

$891 TTD 6,007

$3,639 Rp 64.1M

-75.51%

3-bedroom Apartment, Outside City Center (Monthly)

$745 TTD 5,025

$1,712 Rp 30.1M

-56.47%

Buy Apartment in City Center (m2)

$1,997 TTD 13.5K

$2,761 Rp 48.6M

-27.65%

Buy Apartment Outside City Center (m2)

$1,513 TTD 10.2K

$2,293 Rp 40.4M

-34.00%

Average Monthly Net Salary (After Tax)

$1,028 TTD 6,928

$167 Rp 2.9M

515.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.75

13.78

-58.27%

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

Last update for San Fernando: September 6, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $509 in San Fernando and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

San Fernando pays 515% 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 $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $317 vs $294 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 and Ubud, Bali differ by about 10% in total monthly costs ($1,253 vs $1,378 including rent). San Fernando is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 515% higher in San Fernando, 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: $509 in San Fernando versus $1,114 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 $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,253 per month in San Fernando versus $1,378 in Ubud, Bali – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,253 in San Fernando versus $1,378 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 10% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.