Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Bocas del Toro

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,475 in Bocas del Toro, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Bocas del Toro outweigh lower spending on other living expenses.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Bocas del Toro

🇵🇦 Panama

$1,475

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Bocas del Toro

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Bocas del Toro actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,475 in Bocas del Toro.

Ubud, Bali $1,349
Bocas del Toro $1,475

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,088 in Bocas del Toro.

Ubud, Bali $2,305
Bocas del Toro $2,088

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,701 in Bocas del Toro.

Ubud, Bali $3,261
Bocas del Toro $2,701

Living in Ubud, Bali costs roughly 9% less than in Bocas del Toro, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$9.24 PAB 9.24

-64.07%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$50.3 PAB 50.3

-29.15%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$9.89 PAB 9.89

-44.08%

Cappuccino

$2.72 Rp 49.4K

$4.12 PAB 4.12

-33.98%

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

$1.70 Rp 30.9K

$1.74 PAB 1.74

-2.30%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.58 PAB 1.58

-51.90%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.96 PAB 1.96

35.20%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$4.03 PAB 4.03

8.68%

Milk (1 liter)

$1.49 Rp 27.1K

$2.03 PAB 2.03

-26.60%

White Bread (500g)

$2.28 Rp 41.4K

$3.84 PAB 3.84

-40.63%

Rice (white) (1kg)

$1.19 Rp 21.6K

Eggs

$2.04 Rp 37.0K

$2.57 PAB 2.57

-20.62%

Local Cheese (1kg)

$17.70 Rp 321.7K

$17.18 PAB 17.18

3.03%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$8.89 PAB 8.89

-55.46%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$8.18 PAB 8.18

49.02%

Apples (1kg)

$3.66 Rp 66.4K

$9.78 PAB 9.78

-62.58%

Banana (1kg)

$1.52 Rp 27.6K

$1.52 PAB 1.52

Oranges (1kg)

$2.23 Rp 40.5K

Tomato (1kg)

$1.97 Rp 35.9K

$4.82 PAB 4.82

-59.13%

Potato (1kg)

$1.85 Rp 33.6K

$3.22 PAB 3.22

-42.55%

Onion (1kg)

$2.42 Rp 44.1K

Lettuce (1 head)

$0.99 Rp 18.0K

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.59 PAB 1.59

-67.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

Wine (Bottle)

$22.24 Rp 404.2K

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$2.80 PAB 2.80

-19.29%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.44 PAB 2.44

21.72%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

Gasoline (1 liter)

$0.82 Rp 15.0K

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

$23.8K Rp 433.3M

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

$31.7K Rp 577.0M

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

$79.1 Rp 1.4M

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

$6.45 Rp 117.2K

$40.57 PAB 40.57

-84.10%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$35.60 PAB 35.60

-47.81%

Gym Membership (Monthly)

$49.48 Rp 899.4K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.27 Rp 77.7K

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

$491 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

Men's Leather Business Shoes

$79.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$758 PAB 758

48.42%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$896 PAB 896

-25.04%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,193 PAB 1,193

198.76%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,214 PAB 1,214

41.93%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$712 PAB 712

-77.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: October 25, 2026

Last update for Bocas del Toro: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Bocas del Toro

–

Groceries & Markets

Ubud, Bali

$288 21.4%

Bocas del Toro

–

Eating Out

Ubud, Bali

$108 8%

Bocas del Toro

–

Clothing & Footwear

Ubud, Bali

$108 8%

Bocas del Toro

–

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Bocas del Toro

–

Sport & Entertainment

Ubud, Bali

$58 4.3%

Bocas del Toro

–

Getting Around

Ubud, Bali

$11 0.9%

Bocas del Toro

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $758 in Bocas del Toro. Housing cost is often the main lever when comparing two cities.

Bocas del Toro pays about 4.3 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $50 in Bocas del Toro for a mid-range dinner for two. Groceries echo the gap at $288 vs $319 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇦 Bocas del Toro

🕒 Local time

22:13 10:13 PM

09:13 9:13 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

159,228

💱 Currency

Indonesian Rupiah IDR Rp

Panamanian Balboa PAB B/.

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 PAB = 1 USD

1 PAB = 0.899 EUR

Exchange rates and currency converter

PAB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

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).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Bocas del Toro 18,090 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Bocas del Toro

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

Ubud, Bali vs Bocas del Toro: Cost of Living - Frequently Asked Questions

Ubud, Bali and Bocas del Toro differ by about 9% in total monthly costs ($1,349 vs $1,475 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 77% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,125 in Ubud, Bali versus $758 in Bocas del Toro. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $50 in Bocas del Toro. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,475 in Bocas del Toro – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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.

It comes down to priorities – Ubud, Bali wins on affordability, Bocas del Toro on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.