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: $1,419 in Ubud, Bali versus $1,096 in Koh Phan Ghan.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,945 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $2,794 in Koh Phan Ghan.

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

The two cities straddle the global median: Ubud, Bali is 6% above, Koh Phan Ghan is 18% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$4.22 ฿138

-15.64%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$41.00 ฿1,339

-20.17%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$7.88 ฿257

-37.18%

Cappuccino

$2.71 Rp 48.4K

$2.76 ฿90.3

-1.81%

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

$1.34 Rp 24.0K

$0.61 ฿19.95

119.67%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.36 ฿11.63

94.44%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$2.25 ฿73.4

29.78%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$3.35 ฿109

18.21%

Milk (1 liter)

$1.81 Rp 32.3K

$2.05 ฿67.0

-11.71%

White Bread (500g)

$2.52 Rp 45.0K

$1.75 ฿57.0

44.00%

Rice (white) (1kg)

$1.16 Rp 20.7K

$2.08 ฿68.1

-44.23%

Eggs

$2.46 Rp 43.9K

$2.12 ฿69.2

16.04%

Local Cheese (1kg)

$14.71 Rp 262.7K

$18.91 ฿618

-22.21%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$3.60 ฿118

20.00%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$12.82 ฿419

-5.30%

Apples (1kg)

$3.84 Rp 68.6K

$3.16 ฿103

21.52%

Banana (1kg)

$1.56 Rp 27.8K

$1.54 ฿50.4

1.30%

Oranges (1kg)

$2.83 Rp 50.6K

$2.29 ฿74.9

23.58%

Tomato (1kg)

$2.33 Rp 41.5K

$1.91 ฿62.4

21.99%

Potato (1kg)

$1.91 Rp 34.2K

$1.46 ฿47.61

30.82%

Onion (1kg)

$2.20 Rp 39.3K

$1.43 ฿46.72

53.85%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.92 ฿29.93

9.78%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.49 ฿16.08

59.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$4.24 ฿138

-21.70%

Wine (Bottle)

$23.74 Rp 423.9K

$18.11 ฿592

31.09%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$1.73 ฿56.6

61.27%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$2.56 ฿83.7

11.72%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$1.27 ฿41.41

-78.74%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$2.69 ฿87.8

-82.90%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.87 ฿28.57

-48.28%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$12.31 ฿402

-50.45%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.17 ฿38.23

-32.48%

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

$26.1K Rp 467.0M

$24.7K ฿805.1K

6.08%

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

$32.1K Rp 573.6M

$30.5K ฿997.3K

5.19%

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

$79.9 Rp 1.4M

$122 ฿3,984

-34.46%

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

$4.06 Rp 72.6K

$13.49 ฿441

-69.90%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$18.78 ฿614

25.24%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$60.1 ฿1,964

64.12%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$16.94 ฿553

-60.86%

Cinema Ticket

$4.15 Rp 74.1K

$9.15 ฿299

-54.64%

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

$304 Rp 5.4M

$693 ฿22.6K

-56.11%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$16.0K ฿522.2K

-58.64%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$57.9 ฿1,892

-4.11%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$34.07 ฿1,113

12.44%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$116 ฿3,775

-23.34%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$83.4 ฿2,723

-6.61%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$425 ฿13.9K

136.87%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$313 ฿10.2K

115.86%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$1,432 ฿46.8K

140.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$1,044 ฿34.1K

95.41%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$2,558 ฿83.5K

11.08%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$1,826 ฿59.6K

23.97%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$744 ฿24.3K

-77.79%

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: June 1, 2026

Last update for Koh Phan Ghan: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $425 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 350% 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 $41.00 in Koh Phan Ghan. Groceries flip the comparison at $302 vs $279, 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 29% in total monthly costs ($1,419 vs $1,096 including rent). Koh Phan Ghan is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Koh Phan Ghan earns 350% 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 $425 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,419 per month in Ubud, Bali versus $1,096 in Koh Phan Ghan – a 29% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,096 in Koh Phan Ghan versus $1,419 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.