Cost of Living Comparison Between Ubud, Bali and Koh Phan Ghan Cost of Living Comparison Between Ubud, Bali and Koh Phan Ghan

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,061 in Koh Phan Ghan.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,908 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,754 in Koh Phan Ghan.

Living in Ubud, Bali is roughly 33% more expensive than in Koh Phan Ghan, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Ubud, Bali is 5% above, Koh Phan Ghan is 21% below.

Meal at Budget Restaurant

$3.45 Rp 61.8K

$4.07 ฿137

-15.23%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 578.5K

$42.11 ฿1,414

-23.20%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.7K

$7.60 ฿255

-36.32%

Cappuccino

$2.75 Rp 49.1K

$2.63 ฿88.3

4.56%

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

$1.38 Rp 24.8K

$0.62 ฿20.80

122.58%

Water (0.33 liter bottle)

$0.75 Rp 13.4K

$0.35 ฿11.84

114.29%

Local Beer (0.5 liter draught)

$2.99 Rp 53.5K

$2.27 ฿76.1

31.72%

Imported Beer (0.33 liter bottle)

$3.85 Rp 68.9K

$3.26 ฿109

18.10%

Milk (1 liter)

$1.74 Rp 31.1K

$2.13 ฿71.4

-18.31%

White Bread (500g)

$2.46 Rp 44.0K

$1.73 ฿58.0

42.20%

Rice (white) (1kg)

$1.17 Rp 20.9K

$2.14 ฿71.7

-45.33%

Eggs

$2.43 Rp 43.5K

$2.12 ฿71.3

14.62%

Local Cheese (1kg)

$14.50 Rp 259.5K

$18.40 ฿618

-21.20%

Chicken Fillets (1kg)

$4.35 Rp 77.8K

$3.57 ฿120

21.85%

Beef Round Steak (1kg)

$11.98 Rp 214.3K

$12.48 ฿419

-4.01%

Apples (1kg)

$3.72 Rp 66.5K

$3.23 ฿108

15.17%

Banana (1kg)

$1.63 Rp 29.1K

$1.61 ฿54.2

1.24%

Oranges (1kg)

$2.74 Rp 49.1K

$2.29 ฿76.7

19.65%

Tomato (1kg)

$2.24 Rp 40.1K

$1.92 ฿64.5

16.67%

Potato (1kg)

$1.92 Rp 34.3K

$1.46 ฿48.91

31.51%

Onion (1kg)

$2.28 Rp 40.7K

$1.39 ฿46.53

64.03%

Lettuce (1 head)

$1.06 Rp 19.0K

$0.98 ฿32.75

8.16%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.49 ฿16.55

46.94%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.8K

$4.07 ฿137

-19.16%

Wine (Bottle)

$23.19 Rp 414.9K

$17.94 ฿602

29.26%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.7K

$1.69 ฿56.7

64.50%

Imported Beer (0.33 liter bottle)

$2.73 Rp 48.9K

$2.61 ฿87.5

4.60%

One-way Ticket (Public Transport)

$0.27 Rp 4,765

$1.28 ฿43.14

-78.91%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.0K

Taxi Start (Normal Tariff)

$0.48 Rp 8,636

$2.70 ฿90.6

-82.22%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,511

$0.93 ฿31.26

-54.84%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.3K

$12.52 ฿420

-50.32%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.23 ฿41.19

-34.15%

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

$26.6K Rp 476.1M

$24.8K ฿831.8K

7.39%

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

$32.2K Rp 575.9M

$29.7K ฿997.7K

8.31%

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

$78.4 Rp 1.4M

$122 ฿4,087

-35.65%

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

$4.07 Rp 72.8K

$13.51 ฿454

-69.87%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 435.2K

$18.67 ฿627

30.32%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$61.8 ฿2,074

59.59%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.3K

$17.15 ฿576

-63.03%

Cinema Ticket

$3.99 Rp 71.3K

$8.66 ฿291

-53.93%

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

$305 Rp 5.5M

$700 ฿23.5K

-56.40%

International Primary School, 1 Child (Yearly)

$6,642 Rp 118.8M

$15.8K ฿531.0K

-58.01%

Jeans (Levis 501 Or Similar)

$54.1 Rp 968.6K

$58.9 ฿1,976

-8.00%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 676.3K

$34.51 ฿1,158

9.56%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$117 ฿3,925

-25.73%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$84.2 ฿2,825

-9.28%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.7M

$438 ฿14.7K

126.25%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.0M

$309 ฿10.4K

117.38%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.4M

$1,438 ฿48.3K

134.68%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.7M

$1,043 ฿35.0K

96.59%

Buy Apartment in City Center (m2)

$2,805 Rp 50.2M

$2,510 ฿84.3K

11.73%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.8M

$1,776 ฿59.6K

25.36%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$721 ฿24.2K

-76.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.33

149.16%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Koh Phan Ghan: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $438 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 332% 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 $42.00 in Koh Phan Ghan. Groceries flip the comparison at $297 vs $277, with Koh Phan Ghan cheaper for home cooking.

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 Phan Ghan: Cost of Living - Frequently Asked Questions

Ubud, Bali and Koh Phan Ghan differ by about 33% in total monthly costs ($1,408 vs $1,061 including rent). Koh Phan Ghan is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 332% lower in Koh Phan Ghan. 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 $438 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 7% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,408 per month in Ubud, Bali versus $1,061 in Koh Phan Ghan – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,061 in Koh Phan Ghan versus $1,408 in Ubud, Bali, a $2,000 budget is realistic in Koh Phan Ghan but tight or insufficient in Ubud, Bali. The gap between the two cities makes Koh Phan Ghan 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 Koh Phan Ghan 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 Koh Phan Ghan gentler on the wallet – expenses run 33% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.