Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Koh Phangan

For one person, living is cheaper in Koh Phangan: $1,103 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
53

Cost of Living Index in Koh Phangan
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Koh Phangan Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Koh Phangan

🇹🇭 Thailand

$1,103

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Koh Phangan

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,103 in Koh Phangan.

Ubud, Bali $1,349
Koh Phangan $1,103

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,874 in Koh Phangan.

Ubud, Bali $2,305
Koh Phangan $1,874

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,646 in Koh Phangan.

Ubud, Bali $3,261
Koh Phangan $2,646

Living in Ubud, Bali is roughly 22% more expensive than in Koh Phangan, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$3.88 ฿131

-14.43%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$28.98 ฿978

22.98%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$7.88 ฿266

-29.82%

Cappuccino

$2.72 Rp 49.3K

$2.46 ฿83.1

10.57%

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

$1.70 Rp 30.8K

$0.80 ฿27.04

112.50%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.44 ฿14.89

72.73%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.25 ฿76.0

17.78%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$3.26 ฿110

34.36%

Milk (1 liter)

$1.49 Rp 27.0K

$1.59 ฿53.6

-6.29%

White Bread (500g)

$2.28 Rp 41.2K

$1.38 ฿46.55

65.22%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.44 ฿48.45

-17.36%

Eggs

$2.04 Rp 36.9K

$2.00 ฿67.3

2.00%

Local Cheese (1kg)

$17.70 Rp 320.8K

$18.46 ฿623

-4.12%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$3.29 ฿111

20.36%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$10.67 ฿360

14.25%

Apples (1kg)

$3.66 Rp 66.2K

$2.72 ฿91.7

34.56%

Banana (1kg)

$1.52 Rp 27.5K

$1.54 ฿52.0

-1.30%

Oranges (1kg)

$2.23 Rp 40.4K

$2.07 ฿69.8

7.73%

Tomato (1kg)

$1.97 Rp 35.7K

$1.93 ฿65.2

2.07%

Potato (1kg)

$1.85 Rp 33.5K

$1.44 ฿48.59

28.47%

Onion (1kg)

$2.42 Rp 43.9K

$1.23 ฿41.64

96.75%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.07 ฿35.96

-7.48%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.48 ฿16.04

6.25%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$4.04 ฿136

-45.05%

Wine (Bottle)

$22.24 Rp 403.0K

$17.83 ฿602

24.73%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.70 ฿57.4

32.94%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.65 ฿89.5

12.08%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$1.32 ฿44.60

-81.06%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$49.08 ฿1,656

-84.07%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$2.61 ฿88.2

-83.14%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.96 ฿32.41

-55.21%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$3.32 ฿112

62.95%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.33 ฿44.95

-38.35%

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

$23.8K Rp 432.0M

$23.5K ฿794.5K

1.25%

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

$31.7K Rp 575.3M

$23.7K ฿798.8K

34.11%

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

$79.1 Rp 1.4M

$98.0 ฿3,308

-19.35%

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

$6.45 Rp 116.8K

$11.12 ฿375

-42.00%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$16.94 ฿571

9.68%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$67.7 ฿2,284

-26.90%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$10.81 ฿365

63.27%

Cinema Ticket

$4.27 Rp 77.4K

$7.68 ฿259

-44.40%

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

$491 Rp 8.9M

$478 ฿16.1K

2.55%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$11.6K ฿391.4K

-51.09%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$62.1 ฿2,096

-28.14%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$28.52 ฿962

22.55%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$96.0 ฿3,240

-16.78%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$86.5 ฿2,919

-8.20%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$498 ฿16.8K

125.78%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$348 ฿11.7K

93.00%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,349 ฿45.5K

164.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$1,007 ฿34.0K

71.05%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,927 ฿98.8K

-6.67%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,098 ฿70.8K

8.86%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$724 ฿24.4K

-77.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.57

147.40%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Koh Phangan: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Koh Phangan

$348 31.6% 48.2% $324

Groceries & Markets

Ubud, Bali

$288 21.4%

Koh Phangan

$254 23.1% 11.9% $34

Eating Out

Ubud, Bali

$108 8%

Koh Phangan

$107 9.7% 0.6% $0.7

Clothing & Footwear

Ubud, Bali

$108 8%

Koh Phangan

$123 11.1% 14.3% $15

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Koh Phangan

$126 11.4% 21.1% $22

Sport & Entertainment

Ubud, Bali

$58 4.3%

Koh Phangan

$83 7.5% 43.1% $25

Getting Around

Ubud, Bali

$11 0.9%

Koh Phangan

$62 5.6% 441% $50

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $498 in Koh Phangan. Housing cost is often the main lever when comparing two cities.

Koh Phangan pays about 4.4 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 $29 in Koh Phangan for a mid-range dinner for two. Groceries echo the gap at $288 vs $254 per month, with Koh Phangan cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇹🇭 Koh Phangan

🕒 Local time

08:10 8:10 AM

07:10 7:10 AM

1 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

💱 Currency

Indonesian Rupiah IDR Rp

Thai Baht THB ฿

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

100 THB = 2.96 USD

100 THB = 2.65 EUR

Exchange rates and currency converter

THB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Thai Baht exchange rates as of November 2, 2026: 1 USD = 33.74 THB (100 THB = 2.96 USD). 1 EUR = 37.67 THB (100 THB = 2.65 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Koh Phangan 2,640 km ≈ 3 h 45 min nonstop flight

From you

Ubud, Bali
Koh Phangan

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 Koh Phangan: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,103 in Koh Phangan, so Koh Phangan is about 18% cheaper – 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 $498 in Koh Phangan. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Koh Phangan – a meal for two runs $29 versus $36 in Ubud, Bali. 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 $1,103 in Koh Phangan – Koh Phangan is about 18% cheaper, which adds up to real savings over time.

Either city works on $2,000 a month, though Koh Phangan gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Koh Phangan are both considered safe, so it’s unlikely to be the deciding factor between them.