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: $1,217 in San Fernando versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $2,005 in San Fernando versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,794 in San Fernando versus $3,723 in Ubud, Bali.

Living in San Fernando costs roughly 13% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: San Fernando is 9% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$10.40 TTD 70.1

$3.57 Rp 64.6K

191.32%

Three-Course Dinner for Two, Mid-Range

$59.1 TTD 399

$32.32 Rp 584.4K

82.92%

Fast Food Meal (McDonalds, etc)

$7.54 TTD 50.9

$5.01 Rp 90.5K

50.50%

Cappuccino

$3.68 TTD 24.82

$2.82 Rp 51.1K

30.50%

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

$1.09 TTD 7.34

$1.35 Rp 24.4K

-19.26%

Water (0.33 liter bottle)

$0.77 TTD 5.18

$0.73 Rp 13.2K

5.48%

Local Beer (0.5 liter draught)

$1.82 TTD 12.30

$2.93 Rp 53.0K

-37.88%

Imported Beer (0.33 liter bottle)

$2.48 TTD 16.73

$3.94 Rp 71.2K

-37.06%

Milk (1 liter)

$2.03 TTD 13.72

$1.78 Rp 32.2K

14.04%

White Bread (500g)

$2.34 TTD 15.80

$2.45 Rp 44.3K

-4.49%

Rice (white) (1kg)

$2.63 TTD 17.71

$1.15 Rp 20.8K

128.70%

Eggs

$3.83 TTD 25.83

$2.41 Rp 43.7K

58.92%

Local Cheese (1kg)

$8.09 TTD 54.6

$14.33 Rp 259.1K

-43.55%

Chicken Fillets (1kg)

$10.45 TTD 70.5

$4.19 Rp 75.7K

149.40%

Beef Round Steak (1kg)

$8.70 TTD 58.7

$12.06 Rp 218.1K

-27.86%

Apples (1kg)

$5.92 TTD 39.97

$3.64 Rp 65.8K

62.64%

Banana (1kg)

$2.48 TTD 16.75

$1.57 Rp 28.3K

57.96%

Oranges (1kg)

$4.36 TTD 29.41

$2.79 Rp 50.4K

56.27%

Tomato (1kg)

$4.67 TTD 31.51

$2.24 Rp 40.5K

108.48%

Potato (1kg)

$1.24 TTD 8.35

$1.98 Rp 35.8K

-37.37%

Onion (1kg)

$0.76 TTD 5.13

$2.28 Rp 41.2K

-66.67%

Lettuce (1 head)

$1.49 TTD 10.06

$1.05 Rp 19.1K

41.90%

Water (1.5 liter bottle)

$1.16 TTD 7.85

$0.79 Rp 14.2K

46.84%

Cigarettes 20 Pack (Marlboro, Camel)

$5.69 TTD 38.36

$3.19 Rp 57.7K

78.37%

Wine (Bottle)

$17.35 TTD 117

$23.49 Rp 424.8K

-26.14%

Local Beer (0.5 liter bottle)

$1.52 TTD 10.24

$2.90 Rp 52.4K

-47.59%

Imported Beer (0.33 liter bottle)

$2.71 TTD 18.27

$2.76 Rp 49.8K

-1.81%

One-way Ticket (Public Transport)

$0.46 TTD 3.09

$0.27 Rp 4,821

70.37%

Public Transport Monthly Pass (Regular Price)

$44.31 TTD 299

$8.37 Rp 151.3K

429.39%

Taxi Start (Normal Tariff)

$0.85 TTD 5.76

$0.45 Rp 8,180

88.89%

Taxi (Normal Tariff) (1km)

$0.86 TTD 5.77

$0.46 Rp 8,311

86.96%

Taxi 1hour Waiting (Normal Tariff)

$14.56 TTD 98.2

$6.07 Rp 109.7K

139.87%

Gasoline (1 liter)

$0.99 TTD 6.68

$0.86 Rp 15.6K

15.12%

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

$34.4K TTD 232.1K

$26.6K Rp 480.7M

29.42%

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

$38.2K TTD 257.8K

$32.5K Rp 588.6M

17.43%

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

$44.86 TTD 303

$79.0 Rp 1.4M

-43.23%

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

$42.88 TTD 289

$4.09 Rp 74.0K

948.41%

Internet (50+ Mbps, Unlimited Data)

$45.00 TTD 304

$23.85 Rp 431.2K

88.68%

Gym Membership (Monthly)

$46.91 TTD 316

$98.8 Rp 1.8M

-52.51%

Tennis Court (1 Hour on Weekend)

$8.62 TTD 58.2

$6.35 Rp 114.9K

35.75%

Cinema Ticket

$8.80 TTD 59.4

$4.01 Rp 72.5K

119.45%

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

$325 TTD 2,195

$297 Rp 5.4M

9.49%

International Primary School, 1 Child (Yearly)

$2,224 TTD 15.0K

$6,602 Rp 119.4M

-66.32%

Jeans (Levis 501 Or Similar)

$43.93 TTD 296

$53.4 Rp 966.0K

-17.78%

Summer Dress (H&M, Zara, etc)

$36.61 TTD 247

$38.11 Rp 689.2K

-3.94%

Sport Shoes (Adidas, Nike)

$89.7 TTD 605

$88.7 Rp 1.6M

1.21%

Men's Leather Business Shoes

$90.4 TTD 610

$76.6 Rp 1.4M

17.95%

1-bedroom Apartment, City Center (Monthly)

$533 TTD 3,596

$1,020 Rp 18.4M

-47.72%

1-bedroom Apartment, Outside City Center (Monthly)

$349 TTD 2,355

$680 Rp 12.3M

-48.69%

3-bedroom Apartment, City Center (Monthly)

$976 TTD 6,583

$3,469 Rp 62.7M

-71.87%

3-bedroom Apartment, Outside City Center (Monthly)

$695 TTD 4,688

$2,090 Rp 37.8M

-66.75%

Buy Apartment in City Center (m2)

$1,976 TTD 13.3K

$2,729 Rp 49.3M

-27.58%

Buy Apartment Outside City Center (m2)

$1,484 TTD 10.0K

$2,295 Rp 41.5M

-35.34%

Average Monthly Net Salary (After Tax)

$1,030 TTD 6,947

$164 Rp 3.0M

529.16%

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: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $533 in San Fernando and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

San Fernando pays 529% 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 $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $330 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 14% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 529% 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: $533 in San Fernando versus $1,020 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 $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,217 per month in San Fernando versus $1,392 in Ubud, Bali – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,217 in San Fernando versus $1,392 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 14% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.