Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cagayan de Oro City

For one person, living is cheaper in Cagayan de Oro City: $771 a month against $1,368 in Ubud, Bali, rent and utilities included – about $7,200 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
37

Cost of Living Index in Cagayan de Oro City
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Cagayan de Oro City Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Cagayan de Oro City

🇵🇭 Philippines

$771

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Cagayan de Oro City

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 Cagayan de Oro City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $771 in Cagayan de Oro City.

Ubud, Bali $1,368
Cagayan de Oro City $771

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,141 in Cagayan de Oro City.

Ubud, Bali $2,314
Cagayan de Oro City $1,141

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,511 in Cagayan de Oro City.

Ubud, Bali $3,260
Cagayan de Oro City $1,511

Living in Ubud, Bali is roughly 77% more expensive than in Cagayan de Oro City, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Cagayan de Oro City is 43% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$3.68 ₱231

-9.51%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$12.80 ₱806

174.84%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$3.05 ₱192

90.16%

Cappuccino

$2.73 Rp 49.1K

$2.33 ₱147

17.17%

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

$1.64 Rp 29.5K

$0.76 ₱47.91

115.79%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.64 ₱39.98

29.69%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$1.38 ₱86.9

95.65%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$1.98 ₱124

117.17%

Milk (1 liter)

$1.50 Rp 27.1K

$1.48 ₱93.4

1.35%

White Bread (500g)

$2.30 Rp 41.4K

$0.89 ₱56.2

158.43%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.92 ₱58.0

28.26%

Eggs

$2.14 Rp 38.6K

$2.17 ₱137

-1.38%

Local Cheese (1kg)

$17.48 Rp 314.6K

$8.67 ₱546

101.61%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$3.29 ₱207

22.49%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$5.76 ₱363

112.33%

Apples (1kg)

$3.55 Rp 63.9K

$2.05 ₱129

73.17%

Banana (1kg)

$1.57 Rp 28.3K

$1.08 ₱68.3

45.37%

Oranges (1kg)

$2.24 Rp 40.2K

$2.38 ₱150

-5.88%

Tomato (1kg)

$1.93 Rp 34.7K

$1.14 ₱71.9

69.30%

Potato (1kg)

$1.88 Rp 33.9K

$1.92 ₱121

-2.08%

Onion (1kg)

$2.29 Rp 41.3K

$2.53 ₱159

-9.49%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.76 ₱47.87

30.26%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.48 ₱30.30

10.42%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$3.02 ₱190

-24.50%

Wine (Bottle)

$23.01 Rp 414.2K

$3.97 ₱250

479.60%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.22 ₱77.0

91.80%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.93 ₱122

50.78%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.41 ₱25.99

-41.46%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$9.84 ₱620

-10.37%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$0.63 ₱39.57

-23.81%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.21 ₱13.18

119.05%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$1.94 ₱122

180.93%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.08 ₱67.8

-18.52%

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

$24.6K Rp 442.2M

$21.1K ₱1.3M

16.17%

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

$31.2K Rp 561.4M

$18.9K ₱1.2M

65.07%

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

$83.0 Rp 1.5M

$137 ₱8,600

-39.23%

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

$6.45 Rp 116.0K

$22.77 ₱1,433

-71.67%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$30.51 ₱1,921

-39.13%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$20.70 ₱1,303

169.66%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$2.87 ₱181

531.01%

Cinema Ticket

$4.38 Rp 78.9K

$4.55 ₱286

-3.74%

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

$493 Rp 8.9M

$66.4 ₱4,181

642.34%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$2,257 ₱142.1K

154.90%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$31.71 ₱1,997

45.66%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$13.08 ₱824

170.11%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$52.4 ₱3,300

50.88%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$39.65 ₱2,496

97.70%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$377 ₱23.8K

202.69%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$229 ₱14.4K

195.65%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$693 ₱43.7K

405.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$452 ₱28.5K

276.02%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$1,604 ₱101.0K

73.60%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$951 ₱59.9K

135.61%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$302 ₱19.0K

-45.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.75

104.15%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Cagayan de Oro City: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Cagayan de Oro City

$229 29.6% 66.2% $447

Groceries & Markets

Ubud, Bali

$290 21.2%

Cagayan de Oro City

$165 21.4% 43.1% $125

Eating Out

Ubud, Bali

$109 8%

Cagayan de Oro City

$83 10.8% 23.7% $26

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Cagayan de Oro City

$190 24.6% 75.8% $82

Clothing & Footwear

Ubud, Bali

$108 7.9%

Cagayan de Oro City

$62 8% 42.7% $46

Sport & Entertainment

Ubud, Bali

$65 4.7%

Cagayan de Oro City

$30 3.9% 53.9% $35

Getting Around

Ubud, Bali

$13 0.9%

Cagayan de Oro City

$13 1.7% 4.9% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $377 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 84% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $13.00 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $290 vs $165 per month, with Cagayan de Oro City cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Cagayan de Oro City

🕒 Local time

04:15 4:15 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

728,402

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

Philippine Peso exchange rates as of October 17, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.79 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Cagayan de Oro City 2,160 km ≈ 3 h 15 min nonstop flight

From you

Ubud, Bali
Cagayan de Oro City

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 Cagayan de Oro City: Cost of Living - Frequently Asked Questions

Ubud, Bali and Cagayan de Oro City differ by about 77% in total monthly costs ($1,368 vs $771 including rent). Cagayan de Oro City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 84% lower in Cagayan de Oro City. 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: $1,142 in Ubud, Bali versus $377 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 76% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Cagayan de Oro City – a meal for two runs $13.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $771 in Cagayan de Oro City versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Cagayan de Oro City but tight or insufficient in Ubud, Bali. The gap between the two cities makes Cagayan de Oro 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, Ubud, Bali and Cagayan de Oro City 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 Cagayan de Oro City gentler on the wallet – expenses run 77% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.