Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cebu

For one person, living is cheaper in Cebu: $934 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
45

Cost of Living Index in Cebu
Learn more

Cebu Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Cebu

🇵🇭 Philippines

$934

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Cebu

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 Cebu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $934 in Cebu.

Ubud, Bali $1,349
Cebu $934

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,423 in Cebu.

Ubud, Bali $2,305
Cebu $1,423

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,913 in Cebu.

Ubud, Bali $3,261
Cebu $1,913

Living in Ubud, Bali is roughly 44% more expensive than in Cebu, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$3.79 ₱243

-12.40%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$23.33 ₱1,493

52.76%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$3.94 ₱252

40.36%

Cappuccino

$2.72 Rp 49.4K

$2.54 ₱163

7.09%

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

$1.70 Rp 30.9K

$1.57 ₱100

8.28%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.47 ₱29.87

61.70%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$1.77 ₱113

49.72%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$2.22 ₱142

97.30%

Milk (1 liter)

$1.49 Rp 27.1K

$1.90 ₱121

-21.58%

White Bread (500g)

$2.28 Rp 41.4K

$1.36 ₱87.3

67.65%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.94 ₱59.9

26.60%

Eggs

$2.04 Rp 37.0K

$1.99 ₱127

2.51%

Local Cheese (1kg)

$17.70 Rp 321.9K

$9.70 ₱621

82.47%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$4.32 ₱277

-8.33%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$7.51 ₱481

62.32%

Apples (1kg)

$3.66 Rp 66.5K

$3.31 ₱212

10.57%

Banana (1kg)

$1.52 Rp 27.6K

$1.37 ₱87.6

10.95%

Oranges (1kg)

$2.23 Rp 40.5K

$2.34 ₱150

-4.70%

Tomato (1kg)

$1.97 Rp 35.9K

$1.49 ₱95.5

32.21%

Potato (1kg)

$1.85 Rp 33.6K

$2.30 ₱147

-19.57%

Onion (1kg)

$2.42 Rp 44.1K

$1.87 ₱120

29.41%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.10 ₱70.5

-10.00%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$0.63 ₱40.42

-19.05%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$2.86 ₱183

-22.38%

Wine (Bottle)

$22.24 Rp 404.4K

$6.08 ₱389

265.79%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.27 ₱81.6

77.95%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.72 ₱110

72.67%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$0.22 ₱14.01

13.64%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$12.34 ₱790

-36.63%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$0.74 ₱47.61

-40.54%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$0.22 ₱14.11

95.45%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$4.28 ₱274

26.40%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.31 ₱83.8

-37.40%

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

$23.8K Rp 433.5M

$20.8K ₱1.3M

14.81%

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

$31.7K Rp 577.3M

$19.0K ₱1.2M

66.69%

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

$79.1 Rp 1.4M

$118 ₱7,577

-33.23%

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

$6.45 Rp 117.2K

$15.76 ₱1,009

-59.07%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$28.33 ₱1,813

-34.42%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$32.94 ₱2,108

50.21%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$6.49 ₱415

171.96%

Cinema Ticket

$4.27 Rp 77.7K

$5.45 ₱349

-21.65%

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

$491 Rp 8.9M

$276 ₱17.6K

77.90%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$7,789 ₱498.5K

-27.16%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$48.18 ₱3,083

-7.35%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$24.47 ₱1,566

42.83%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$75.3 ₱4,818

6.14%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$58.0 ₱3,713

36.88%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$477 ₱30.5K

135.67%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$322 ₱20.6K

108.68%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$963 ₱61.6K

270.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$626 ₱40.0K

175.41%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$4,551 ₱291.3K

-39.98%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$3,028 ₱193.8K

-24.57%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$333 ₱21.3K

-50.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.2

91.39%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Cebu: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Cebu

$322 34.5% 52.1% $350

Groceries & Markets

Ubud, Bali

$288 21.4%

Cebu

$204 21.8% 29.4% $85

Eating Out

Ubud, Bali

$108 8%

Cebu

$94 10.1% 12.6% $14

Clothing & Footwear

Ubud, Bali

$108 8%

Cebu

$93 9.9% 13.8% $15

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Cebu

$163 17.4% 56.1% $58

Sport & Entertainment

Ubud, Bali

$58 4.3%

Cebu

$44 4.7% 24.4% $14

Getting Around

Ubud, Bali

$11 0.9%

Cebu

$15 1.6% 31.9% $3.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $477 in Cebu. Housing cost is often the main lever when comparing two cities.

Cebu pays about 2 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $23 in Cebu for a mid-range dinner for two. Groceries echo the gap at $288 vs $204 per month, with Cebu cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Cebu

🕒 Local time

22:10 10:10 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

964,169

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.93 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 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 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,291 IDR (100,000 IDR = 4.93 EUR).

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.41 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Cebu 2,300 km ≈ 3 h 15 min nonstop flight

From you

Ubud, Bali
Cebu

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 Cebu: Cost of Living - Frequently Asked Questions

Cebu is about 31% cheaper overall, especially in groceries, clothing, and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 51% 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 $477 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $934 in Cebu – Cebu is about 31% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 37% less than in Cebu. The price difference matters if you commute daily and watch your budget.

For families, Cebu is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

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