Last update: Oct 2026

Cost of Living Comparison Between Tarlac City and Ubud, Bali

For one person, living is cheaper in Tarlac City: $523 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

25

Cost of Living Index in Tarlac City
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Tarlac City Living Index
65

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

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Tarlac City

🇵🇭 Philippines

$523

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $523 in Tarlac City versus $1,349 in Ubud, Bali.

Tarlac City $523
Ubud, Bali $1,349

Estimated couple costs with rent: $801 in Tarlac City versus $2,305 in Ubud, Bali.

Tarlac City $801
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,080 in Tarlac City versus $3,261 in Ubud, Bali.

Tarlac City $1,080
Ubud, Bali $3,261

Living in Tarlac City costs roughly 61% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$1.99 ₱127

$3.32 Rp 60.3K

-40.06%

Three-Course Dinner for Two, Mid-Range

$7.94 ₱506

$35.64 Rp 646.5K

-77.72%

Fast Food Meal (McDonalds, etc)

$2.67 ₱170

$5.53 Rp 100.4K

-51.72%

Cappuccino

$1.82 ₱116

$2.72 Rp 49.3K

-33.09%

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

$0.48 ₱30.72

$1.70 Rp 30.9K

-71.76%

Water (0.33 liter bottle)

$0.30 ₱19.15

$0.76 Rp 13.8K

-60.53%

Local Beer (0.5 liter draught)

$0.95 ₱60.6

$2.65 Rp 48.1K

-64.15%

Imported Beer (0.33 liter bottle)

$1.58 ₱100

$4.38 Rp 79.5K

-63.93%

Milk (1 liter)

$1.65 ₱105

$1.49 Rp 27.0K

10.74%

White Bread (500g)

$1.13 ₱72.0

$2.28 Rp 41.3K

-50.44%

Rice (white) (1kg)

$1.01 ₱64.1

$1.19 Rp 21.6K

-15.13%

Eggs

$1.92 ₱123

$2.04 Rp 36.9K

-5.88%

Local Cheese (1kg)

$4.95 ₱315

$17.70 Rp 321.1K

-72.03%

Chicken Fillets (1kg)

$2.68 ₱171

$3.96 Rp 71.9K

-32.32%

Beef Round Steak (1kg)

$6.35 ₱405

$12.19 Rp 221.1K

-47.91%

Apples (1kg)

$1.57 ₱100

$3.66 Rp 66.3K

-57.10%

Banana (1kg)

$1.51 ₱96.4

$1.52 Rp 27.5K

-0.66%

Oranges (1kg)

$2.01 ₱128

$2.23 Rp 40.4K

-9.87%

Tomato (1kg)

$1.02 ₱64.9

$1.97 Rp 35.8K

-48.22%

Potato (1kg)

$1.71 ₱109

$1.85 Rp 33.5K

-7.57%

Onion (1kg)

$1.19 ₱75.5

$2.42 Rp 44.0K

-50.83%

Lettuce (1 head)

$0.66 ₱41.80

$0.99 Rp 18.0K

-33.33%

Water (1.5 liter bottle)

$0.52 ₱33.32

$0.51 Rp 9,313

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.97 ₱189

$2.22 Rp 40.3K

33.78%

Wine (Bottle)

$3.72 ₱237

$22.24 Rp 403.4K

-83.27%

Local Beer (0.5 liter bottle)

$0.89 ₱56.9

$2.26 Rp 41.0K

-60.62%

Imported Beer (0.33 liter bottle)

$1.52 ₱97.1

$2.97 Rp 53.9K

-48.82%

One-way Ticket (Public Transport)

$0.24 ₱15.31

$0.25 Rp 4,553

-4.00%

Public Transport Monthly Pass (Regular Price)

$8.05 ₱513

$7.82 Rp 141.9K

2.94%

Taxi Start (Normal Tariff)

$0.75 ₱47.49

$0.44 Rp 7,972

70.45%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.93

$0.43 Rp 7,801

-48.84%

Taxi 1hour Waiting (Normal Tariff)

$1.30 ₱82.7

$5.41 Rp 98.1K

-75.97%

Gasoline (1 liter)

$1.11 ₱71.0

$0.82 Rp 15.0K

35.37%

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

$21.2K ₱1.4M

$23.8K Rp 432.4M

-10.94%

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

$19.0K ₱1.2M

$31.7K Rp 575.9M

-40.14%

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

$87.4 ₱5,565

$79.1 Rp 1.4M

10.52%

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

$5.34 ₱340

$6.45 Rp 116.9K

-17.21%

Internet (50+ Mbps, Unlimited Data)

$23.23 ₱1,480

$18.58 Rp 337.0K

25.03%

Gym Membership (Monthly)

$39.36 ₱2,507

$49.48 Rp 897.5K

-20.45%

Tennis Court (1 Hour on Weekend)

$15.91 ₱1,014

$17.65 Rp 320.1K

-9.86%

Cinema Ticket

$5.11 ₱326

$4.27 Rp 77.5K

19.67%

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

$130 ₱8,272

$491 Rp 8.9M

-73.52%

International Primary School, 1 Child (Yearly)

$10.5K ₱669.1K

$5,674 Rp 102.9M

85.14%

Jeans (Levis 501 Or Similar)

$28.72 ₱1,829

$44.64 Rp 809.7K

-35.66%

Summer Dress (H&M, Zara, etc)

$18.79 ₱1,197

$34.95 Rp 634.0K

-46.24%

Sport Shoes (Adidas, Nike)

$62.0 ₱3,947

$79.9 Rp 1.4M

-22.45%

Men's Leather Business Shoes

$47.50 ₱3,025

$79.4 Rp 1.4M

-40.19%

1-bedroom Apartment, City Center (Monthly)

$87.2 ₱5,555

$1,125 Rp 20.4M

-92.25%

1-bedroom Apartment, Outside City Center (Monthly)

$70.5 ₱4,492

$671 Rp 12.2M

-89.50%

3-bedroom Apartment, City Center (Monthly)

$248 ₱15.8K

$3,565 Rp 64.7M

-93.04%

3-bedroom Apartment, Outside City Center (Monthly)

$163 ₱10.4K

$1,723 Rp 31.3M

-90.54%

Buy Apartment in City Center (m2)

$370 ₱23.5K

$2,732 Rp 49.5M

-86.47%

Buy Apartment Outside City Center (m2)

$284 ₱18.1K

$2,284 Rp 41.4M

-87.58%

Average Monthly Net Salary (After Tax)

$208 ₱13.3K

$164 Rp 3.0M

27.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

13.78

-51.02%

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

Last update for Tarlac City: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Tarlac City

$148 28.4%

Ubud, Bali

$288 21.4% 94.5% $140

Monthly Utilities & Internet

Tarlac City

$116 22.2%

Ubud, Bali

$104 7.7% 10.2% $12

Clothing & Footwear

Tarlac City

$71 13.5%

Ubud, Bali

$108 8% 52.2% $37

Accommodation & Living

Tarlac City

$71 13.5%

Ubud, Bali

$672 49.8% 852% $601

Eating Out

Tarlac City

$57 10.9%

Ubud, Bali

$108 8% 89.7% $51

Sport & Entertainment

Tarlac City

$50 9.5%

Ubud, Bali

$58 4.3% 17% $8.4

Getting Around

Tarlac City

$11 2.1%

Ubud, Bali

$11 0.9% 5.3% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $87 in Tarlac City and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Tarlac City pays 27% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $8 in Tarlac City vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $148 vs $288 per month, with Tarlac City cheaper across the board.

Good to know

🇵🇭 Tarlac City

🇮🇩 Ubud, Bali

🕒 Local time

12:12 12:12 PM

Same time as Tarlac City

🌤 Weather

👥 Population

385,398

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 2, 2026: 1 USD = 63.69 PHP (100 PHP = 1.57 USD). 1 EUR = 71.12 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

Tarlac City Ubud, Bali 2,730 km ≈ 4 h nonstop flight

From you

Tarlac City
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

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

Tarlac City wins on cost – living expenses run 61% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Tarlac City the obvious pick if budget is a priority.

Average pay runs 27% higher in Tarlac City, 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: $87 in Tarlac City versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tarlac City – a meal for two runs $8 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $523 per month in Tarlac City versus $1,349 in Ubud, Bali – Tarlac City is about 61% cheaper, which adds up to real savings over time.

At $523 in Tarlac City versus $1,349 in Ubud, Bali, a $800 budget is realistic in Tarlac City but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tarlac City the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Tarlac City and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.