Last update: Oct 2026

Cost of Living Comparison Between Santiago, Panama and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,442 in Santiago, rent and utilities included – about $1,100 less a year. Other living expenses account for most of the difference.

69

Cost of Living Index in Santiago
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Santiago Living Index
65

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

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Santiago

🇵🇦 Panama

$1,442

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,442 per month in Santiago vs $1,349 in Ubud, Bali, rent included.

Santiago $1,442
Ubud, Bali $1,349

A couple spends around $2,119 per month in Santiago vs $2,305 in Ubud, Bali, rent included.

Santiago $2,119
Ubud, Bali $2,305

A family of three spends $2,796 per month in Santiago vs $3,261 in Ubud, Bali, rent included.

Santiago $2,796
Ubud, Bali $3,261

Santiago costs about 7% more than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$4.44 PAB 4.44

$3.32 Rp 59.9K

33.73%

Three-Course Dinner for Two, Mid-Range

$29.53 PAB 29.53

$35.64 Rp 642.4K

-17.14%

Fast Food Meal (McDonalds, etc)

$5.02 PAB 5.02

$5.53 Rp 99.7K

-9.22%

Cappuccino

$4.04 PAB 4.04

$2.72 Rp 49.0K

48.53%

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

$0.73 PAB 0.73

$1.70 Rp 30.7K

-57.06%

Water (0.33 liter bottle)

$0.77 PAB 0.77

$0.76 Rp 13.7K

1.32%

Local Beer (0.5 liter draught)

$0.97 PAB 0.97

$2.65 Rp 47.8K

-63.40%

Imported Beer (0.33 liter bottle)

$2.03 PAB 2.03

$4.38 Rp 79.0K

-53.65%

Milk (1 liter)

$1.84 PAB 1.84

$1.49 Rp 26.9K

23.49%

White Bread (500g)

$2.58 PAB 2.58

$2.28 Rp 41.0K

13.16%

Rice (white) (1kg)

$3.38 PAB 3.38

$1.19 Rp 21.5K

184.03%

Eggs

$2.68 PAB 2.68

$2.04 Rp 36.7K

31.37%

Local Cheese (1kg)

$12.25 PAB 12.25

$17.70 Rp 319.1K

-30.79%

Chicken Fillets (1kg)

$6.88 PAB 6.88

$3.96 Rp 71.4K

73.74%

Beef Round Steak (1kg)

$10.59 PAB 10.59

$12.19 Rp 219.7K

-13.13%

Apples (1kg)

$4.13 PAB 4.13

$3.66 Rp 65.9K

12.84%

Banana (1kg)

$1.89 PAB 1.89

$1.52 Rp 27.4K

24.34%

Oranges (1kg)

$4.09 PAB 4.09

$2.23 Rp 40.2K

83.41%

Tomato (1kg)

$4.05 PAB 4.05

$1.97 Rp 35.6K

105.58%

Potato (1kg)

$3.36 PAB 3.36

$1.85 Rp 33.3K

81.62%

Onion (1kg)

$4.19 PAB 4.19

$2.42 Rp 43.7K

73.14%

Lettuce (1 head)

$2.39 PAB 2.39

$0.99 Rp 17.8K

141.41%

Water (1.5 liter bottle)

$1.78 PAB 1.78

$0.51 Rp 9,255

249.02%

Cigarettes 20 Pack (Marlboro, Camel)

$6.17 PAB 6.17

$2.22 Rp 40.0K

177.93%

Wine (Bottle)

$11.46 PAB 11.46

$22.24 Rp 400.9K

-48.47%

Local Beer (0.5 liter bottle)

$1.43 PAB 1.43

$2.26 Rp 40.7K

-36.73%

Imported Beer (0.33 liter bottle)

$2.83 PAB 2.83

$2.97 Rp 53.5K

-4.71%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$2.48 PAB 2.48

$0.44 Rp 7,923

463.64%

Taxi (Normal Tariff) (1km)

$1.86 PAB 1.86

$0.43 Rp 7,753

332.56%

Taxi 1hour Waiting (Normal Tariff)

$22.36 PAB 22.36

$5.41 Rp 97.5K

313.31%

Gasoline (1 liter)

$1.18 PAB 1.18

$0.82 Rp 14.9K

43.90%

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

$24.3K PAB 24.3K

$23.8K Rp 429.7M

1.90%

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

$21.5K PAB 21.5K

$31.7K Rp 572.3M

-32.20%

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

$120 PAB 120

$79.1 Rp 1.4M

51.59%

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

$14.90 PAB 14.90

$6.45 Rp 116.2K

131.01%

Internet (50+ Mbps, Unlimited Data)

$43.49 PAB 43.49

$18.58 Rp 334.9K

134.07%

Gym Membership (Monthly)

$49.48 Rp 892.0K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

Cinema Ticket

$8.26 PAB 8.26

$4.27 Rp 77.0K

93.44%

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

$533 PAB 533

$491 Rp 8.8M

8.67%

International Primary School, 1 Child (Yearly)

$9,758 PAB 9,758

$5,674 Rp 102.3M

71.97%

Jeans (Levis 501 Or Similar)

$67.9 PAB 67.9

$44.64 Rp 804.7K

52.04%

Summer Dress (H&M, Zara, etc)

$47.51 PAB 47.51

$34.95 Rp 630.1K

35.94%

Sport Shoes (Adidas, Nike)

$93.7 PAB 93.7

$79.9 Rp 1.4M

17.32%

Men's Leather Business Shoes

$110 PAB 110

$79.4 Rp 1.4M

38.30%

1-bedroom Apartment, City Center (Monthly)

$451 PAB 451

$1,125 Rp 20.3M

-59.87%

1-bedroom Apartment, Outside City Center (Monthly)

$652 PAB 652

$671 Rp 12.1M

-2.83%

3-bedroom Apartment, City Center (Monthly)

$648 PAB 648

$3,565 Rp 64.3M

-81.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,105 PAB 1,105

$1,723 Rp 31.1M

-35.90%

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.39

13.78

-53.63%

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

Last update for Santiago: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Santiago

$652 45.3%

Ubud, Bali

$672 49.8% 2.9% $19

Groceries & Markets

Santiago

$325 22.5%

Ubud, Bali

$288 21.4% 11.2% $36

Monthly Utilities & Internet

Santiago

$178 12.4%

Ubud, Bali

$104 7.7% 41.6% $74

Clothing & Footwear

Santiago

$144 10%

Ubud, Bali

$108 8% 25.1% $36

Eating Out

Santiago

$114 7.9%

Ubud, Bali

$108 8% 5.6% $6.4

Sport & Entertainment

Santiago

$17 * 1.2%

Ubud, Bali

$58 4.3% 252% $42

Getting Around

Santiago

$12 * 0.8%

Ubud, Bali

$11 0.9% 3% $0.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $451 in Santiago versus $1,125 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $30 in Santiago versus $36 in Ubud, Bali. Groceries tell a different story – $325 in Santiago vs $288 in Ubud, Bali – so Ubud, Bali wins on supermarket bills even if dining out costs more.

Good to know

🇵🇦 Santiago

🇮🇩 Ubud, Bali

🕒 Local time

05:09 5:09 AM

18:09 6:09 PM

13 h ahead of Santiago

🌤 Weather

👥 Population

31,065

74,800

💱 Currency

Panamanian Balboa PAB B/.

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 PAB = 1 USD

1 PAB = 0.899 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD, EUR to PAB – Panamanian Balboa Converter

🇺🇸 United States Dollar ($)

🇵🇦 Panamanian Balboa (B/.)

Panamanian Balboa exchange rates as of October 28, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.11 PAB (1 PAB = 0.899 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to PAB in detail →

On the map

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Highest

Between locations

Santiago Ubud, Bali 18,230 km ≈ 23 h nonstop flight

From you

Santiago
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

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

Yes – Santiago is pricier by about 7%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,162 per month in Santiago and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Santiago, especially for central apartments: a one-bedroom in the center costs $451 there versus $1,125 in Ubud, Bali.

A mid-range dinner for two costs $30 in Santiago and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 13% more in Santiago, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,000 is a stretch for both – monthly costs hit $1,442 in Santiago and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,442 in Santiago. Climate, culture, job market, and personal taste all factor in.