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: $1,419 in Ubud, Bali versus $750 in Cagayan de Oro City.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,121 in Cagayan de Oro City.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,493 in Cagayan de Oro City.

Living in Ubud, Bali is roughly 89% more expensive than Cagayan de Oro City, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Cagayan de Oro City is 44% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$3.67 ₱226

-3.00%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$14.04 ₱866

133.12%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$3.44 ₱212

43.90%

Cappuccino

$2.71 Rp 48.4K

$2.62 ₱162

3.44%

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

$1.34 Rp 24.0K

$0.96 ₱59.2

39.58%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.36 ₱22.11

94.44%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$1.45 ₱89.4

101.38%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$2.47 ₱152

60.32%

Milk (1 liter)

$1.81 Rp 32.3K

$1.66 ₱102

9.04%

White Bread (500g)

$2.52 Rp 45.0K

$0.98 ₱60.3

157.14%

Rice (white) (1kg)

$1.16 Rp 20.7K

$0.98 ₱60.2

18.37%

Eggs

$2.46 Rp 43.9K

$2.40 ₱148

2.50%

Local Cheese (1kg)

$14.71 Rp 262.7K

$6.08 ₱375

141.94%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$3.48 ₱215

24.14%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$6.43 ₱397

88.80%

Apples (1kg)

$3.84 Rp 68.6K

$2.24 ₱138

71.43%

Banana (1kg)

$1.56 Rp 27.8K

$1.13 ₱69.9

38.05%

Oranges (1kg)

$2.83 Rp 50.6K

$2.29 ₱141

23.58%

Tomato (1kg)

$2.33 Rp 41.5K

$1.22 ₱75.2

90.98%

Potato (1kg)

$1.91 Rp 34.2K

$2.26 ₱139

-15.49%

Onion (1kg)

$2.20 Rp 39.3K

$2.79 ₱172

-21.15%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.85 ₱52.3

18.82%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.51 ₱31.16

52.94%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$2.40 ₱148

38.33%

Wine (Bottle)

$23.74 Rp 423.9K

$3.95 ₱244

501.01%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.34 ₱82.9

108.21%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$1.56 ₱96.3

83.33%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.41 ₱25.24

-34.15%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$8.72 ₱538

-7.91%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$0.68 ₱41.72

-32.35%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.22 ₱13.49

104.55%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$2.18 ₱134

179.82%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.14 ₱70.3

-30.70%

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

$26.1K Rp 467.0M

$20.2K ₱1.2M

29.42%

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

$32.1K Rp 573.6M

$18.9K ₱1.2M

70.24%

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

$79.9 Rp 1.4M

$105 ₱6,471

-23.83%

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

$4.06 Rp 72.6K

$40.33 ₱2,487

-89.93%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$33.47 ₱2,064

-29.73%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$22.08 ₱1,362

347.01%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$3.27 ₱202

102.75%

Cinema Ticket

$4.15 Rp 74.1K

$4.62 ₱285

-10.17%

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

$304 Rp 5.4M

$190 ₱11.7K

59.64%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$2,462 ₱151.8K

168.61%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$35.46 ₱2,187

56.63%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$14.51 ₱895

164.02%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$58.7 ₱3,621

50.89%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$42.85 ₱2,642

81.73%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$362 ₱22.3K

177.98%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$214 ₱13.2K

215.72%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$581 ₱35.8K

492.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$383 ₱23.6K

432.10%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$1,668 ₱102.8K

70.38%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$994 ₱61.3K

127.68%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$313 ₱19.3K

-47.29%

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: June 1, 2026

Last update for Cagayan de Oro City: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $362 in Cagayan de Oro City. Housing cost is often the main lever when comparing two cities.

Cagayan de Oro City pays 90% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $14.00 in Cagayan de Oro City for a mid-range dinner for two. Groceries echo the gap at $302 vs $168 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 89% in total monthly costs ($1,419 vs $750 including rent). Cagayan de Oro City is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Cagayan de Oro City earns 90% less. 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: $1,006 in Ubud, Bali versus $362 in Cagayan de Oro City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 80% 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $750 in Cagayan de Oro City versus $1,419 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 89% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.