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: $1,368 in Ubud, Bali versus $1,060 in Koh Phan Ghan.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,740 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,420 in Koh Phan Ghan.

Living in Ubud, Bali is roughly 29% more expensive than in Koh Phan Ghan, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Koh Phan Ghan is 23% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$3.98 ฿133

-13.57%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$28.74 ฿959

26.34%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$8.06 ฿269

-29.16%

Cappuccino

$2.67 Rp 47.3K

$2.59 ฿86.6

3.09%

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

$1.75 Rp 31.0K

$0.79 ฿26.31

121.52%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.44 ฿14.69

97.73%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$2.16 ฿72.1

36.57%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.46 ฿115

30.64%

Milk (1 liter)

$1.62 Rp 28.7K

$1.79 ฿59.8

-9.50%

White Bread (500g)

$2.33 Rp 41.3K

$1.32 ฿44.16

76.52%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.47 ฿49.05

-24.49%

Eggs

$2.20 Rp 39.0K

$2.11 ฿70.4

4.27%

Local Cheese (1kg)

$17.69 Rp 313.3K

$18.57 ฿620

-4.74%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$3.31 ฿111

23.87%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$10.45 ฿349

16.56%

Apples (1kg)

$3.71 Rp 65.6K

$2.84 ฿95.0

30.63%

Banana (1kg)

$1.59 Rp 28.1K

$1.62 ฿54.1

-1.85%

Oranges (1kg)

$2.28 Rp 40.4K

$2.13 ฿71.1

7.04%

Tomato (1kg)

$1.95 Rp 34.6K

$2.00 ฿66.6

-2.50%

Potato (1kg)

$1.91 Rp 33.7K

$1.40 ฿46.85

36.43%

Onion (1kg)

$2.33 Rp 41.3K

$1.28 ฿42.57

82.03%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.07 ฿35.75

-5.61%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.55 ฿18.21

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$4.20 ฿140

-46.90%

Wine (Bottle)

$23.07 Rp 408.6K

$17.59 ฿587

31.15%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.68 ฿56.1

44.05%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.70 ฿90.1

11.11%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$2.02 ฿67.3

-86.63%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$2.69 ฿89.9

-82.16%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.97 ฿32.54

-55.67%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$3.58 ฿120

57.54%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.32 ฿44.12

-39.39%

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

$24.9K Rp 441.7M

$24.7K ฿823.2K

1.14%

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

$31.7K Rp 561.5M

$24.7K ฿824.5K

28.39%

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

$81.5 Rp 1.4M

$101 ฿3,359

-19.04%

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

$6.49 Rp 115.0K

$11.06 ฿369

-41.32%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$17.35 ฿579

8.18%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$52.7 ฿1,758

7.99%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$11.18 ฿373

67.53%

Cinema Ticket

$4.54 Rp 80.4K

$7.85 ฿262

-42.17%

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

$481 Rp 8.5M

$561 ฿18.7K

-14.25%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$11.7K ฿392.1K

-51.38%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$62.6 ฿2,089

-27.27%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$29.47 ฿984

21.75%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$95.1 ฿3,173

-15.44%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$88.6 ฿2,958

-11.23%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$520 ฿17.4K

114.19%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$346 ฿11.6K

101.57%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$1,486 ฿49.6K

144.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$864 ฿28.8K

101.17%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$2,528 ฿84.4K

10.16%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$1,756 ฿58.6K

30.36%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$728 ฿24.3K

-76.92%

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: September 14, 2026

Last update for Koh Phan Ghan: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $520 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 333% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $29.00 in Koh Phan Ghan for a mid-range dinner for two. Groceries echo the gap at $295 vs $258 per month, with Koh Phan Ghan 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 Koh Phan Ghan: Cost of Living - Frequently Asked Questions

Ubud, Bali and Koh Phan Ghan differ by about 29% in total monthly costs ($1,368 vs $1,060 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 333% 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: $1,115 in Ubud, Bali versus $520 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 14% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $1,060 in Koh Phan Ghan – a 29% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,060 in Koh Phan Ghan versus $1,368 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 29% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.