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

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $760 in Cagayan de Oro City.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,122 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $1,484 in Cagayan de Oro City.

Living in Ubud, Bali is roughly 85% more expensive than in Cagayan de Oro City, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Cagayan de Oro City is 43% below.

Meal at Budget Restaurant

$3.45 Rp 61.8K

$3.88 ₱239

-11.08%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 578.5K

$14.45 ₱890

123.81%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.7K

$3.38 ₱208

43.20%

Cappuccino

$2.75 Rp 49.1K

$2.52 ₱155

9.13%

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

$1.38 Rp 24.8K

$0.98 ₱60.1

40.82%

Water (0.33 liter bottle)

$0.75 Rp 13.4K

$0.36 ₱21.87

108.33%

Local Beer (0.5 liter draught)

$2.99 Rp 53.5K

$1.46 ₱90.0

104.79%

Imported Beer (0.33 liter bottle)

$3.85 Rp 68.9K

$2.39 ₱147

61.09%

Milk (1 liter)

$1.74 Rp 31.1K

$1.65 ₱102

5.45%

White Bread (500g)

$2.46 Rp 44.0K

$0.91 ₱55.8

170.33%

Rice (white) (1kg)

$1.17 Rp 20.9K

$0.92 ₱56.6

27.17%

Eggs

$2.43 Rp 43.5K

$2.40 ₱147

1.25%

Local Cheese (1kg)

$14.50 Rp 259.5K

$6.11 ₱376

137.32%

Chicken Fillets (1kg)

$4.35 Rp 77.8K

$3.64 ₱224

19.51%

Beef Round Steak (1kg)

$11.98 Rp 214.3K

$6.64 ₱409

80.42%

Apples (1kg)

$3.72 Rp 66.5K

$2.33 ₱143

59.66%

Banana (1kg)

$1.63 Rp 29.1K

$1.13 ₱69.9

44.25%

Oranges (1kg)

$2.74 Rp 49.1K

$2.37 ₱146

15.61%

Tomato (1kg)

$2.24 Rp 40.1K

$1.28 ₱78.6

75.00%

Potato (1kg)

$1.92 Rp 34.3K

$2.26 ₱139

-15.04%

Onion (1kg)

$2.28 Rp 40.7K

$2.81 ₱173

-18.86%

Lettuce (1 head)

$1.06 Rp 19.0K

$0.91 ₱55.8

16.48%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.47 ₱28.72

53.19%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.8K

$2.49 ₱153

32.13%

Wine (Bottle)

$23.19 Rp 414.9K

$3.99 ₱246

481.20%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.7K

$1.42 ₱87.3

95.77%

Imported Beer (0.33 liter bottle)

$2.73 Rp 48.9K

$1.55 ₱95.6

76.13%

One-way Ticket (Public Transport)

$0.27 Rp 4,765

$0.41 ₱25.24

-34.15%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.0K

$8.46 ₱521

-4.14%

Taxi Start (Normal Tariff)

$0.48 Rp 8,636

$0.70 ₱42.93

-31.43%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,511

$0.22 ₱13.54

90.91%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.3K

$2.07 ₱127

200.48%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.14 ₱70.4

-28.95%

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

$26.6K Rp 476.1M

$20.5K ₱1.3M

29.91%

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

$32.2K Rp 575.9M

$19.5K ₱1.2M

65.28%

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

$78.4 Rp 1.4M

$106 ₱6,542

-26.27%

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

$4.07 Rp 72.8K

$39.96 ₱2,460

-89.81%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 435.2K

$33.15 ₱2,041

-26.61%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$21.81 ₱1,343

352.13%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.3K

$3.32 ₱204

90.96%

Cinema Ticket

$3.99 Rp 71.3K

$4.56 ₱281

-12.50%

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

$305 Rp 5.5M

$186 ₱11.5K

63.83%

International Primary School, 1 Child (Yearly)

$6,642 Rp 118.8M

$2,518 ₱155.1K

163.74%

Jeans (Levis 501 Or Similar)

$54.1 Rp 968.6K

$35.44 ₱2,182

52.77%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 676.3K

$14.29 ₱880

164.59%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$56.6 ₱3,482

53.54%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$43.47 ₱2,676

75.64%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.7M

$356 ₱21.9K

178.55%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.0M

$214 ₱13.2K

213.69%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.4M

$579 ₱35.6K

482.99%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.7M

$374 ₱23.0K

448.44%

Buy Apartment in City Center (m2)

$2,805 Rp 50.2M

$1,611 ₱99.2K

74.14%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.8M

$989 ₱60.9K

125.10%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$313 ₱19.3K

-46.71%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.67

99.10%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Cagayan de Oro City: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $356 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 88% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $14.00 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $297 vs $169 per month, with Cagayan de Oro City 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

Ubud, Bali vs Cagayan de Oro City: Cost of Living - Frequently Asked Questions

Ubud, Bali and Cagayan de Oro City differ by about 85% in total monthly costs ($1,408 vs $760 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 88% 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: $992 in Ubud, Bali versus $356 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 75% 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 $14.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $760 in Cagayan de Oro City versus $1,408 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 85% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.