Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Laoag City

For one person, living is cheaper in Laoag City: $720 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
34

Cost of Living Index in Laoag City
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Laoag City Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Laoag City

🇵🇭 Philippines

$720

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Laoag City

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

A single person spends $1,331 per month in Ubud, Bali vs $720 in Laoag City, rent included.

Ubud, Bali $1,331
Laoag City $720

A couple spends around $2,255 per month in Ubud, Bali vs $1,097 in Laoag City, rent included.

Ubud, Bali $2,255
Laoag City $1,097

A family of three spends $3,180 per month in Ubud, Bali vs $1,475 in Laoag City, rent included.

Ubud, Bali $3,180
Laoag City $1,475

Ubud, Bali costs about 85% more than Laoag City, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Laoag City are more affordable than the global median – Ubud, Bali 2% lower, Laoag City 47% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$3.95 ₱250

-14.43%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.3K

$16.69 ₱1,058

107.61%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$2.79 ₱177

99.64%

Cappuccino

$2.62 Rp 47.6K

$2.13 ₱135

23.00%

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

$1.54 Rp 28.0K

$0.69 ₱43.58

123.19%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.31 ₱19.56

106.45%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.19 ₱75.3

124.37%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$2.04 ₱130

108.82%

Milk (1 liter)

$1.46 Rp 26.6K

$1.65 ₱105

-11.52%

White Bread (500g)

$2.29 Rp 41.6K

$1.15 ₱72.8

99.13%

Rice (white) (1kg)

$1.11 Rp 20.1K

$0.90 ₱56.8

23.33%

Eggs

$2.10 Rp 38.1K

$1.92 ₱122

9.38%

Local Cheese (1kg)

$15.94 Rp 289.5K

$5.43 ₱344

193.55%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$4.18 ₱265

-7.18%

Beef Round Steak (1kg)

$11.40 Rp 207.1K

$6.94 ₱440

64.27%

Apples (1kg)

$3.55 Rp 64.5K

$2.39 ₱152

48.54%

Banana (1kg)

$1.54 Rp 27.9K

$1.59 ₱100

-3.14%

Oranges (1kg)

$2.23 Rp 40.5K

$2.40 ₱152

-7.08%

Tomato (1kg)

$1.97 Rp 35.8K

$1.11 ₱70.2

77.48%

Potato (1kg)

$1.86 Rp 33.7K

$2.04 ₱129

-8.82%

Onion (1kg)

$2.42 Rp 43.9K

$2.19 ₱139

10.50%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.04 ₱65.9

-1.92%

Water (1.5 liter bottle)

$0.52 Rp 9,486

$0.53 ₱33.64

-1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.92 ₱185

-24.66%

Wine (Bottle)

$21.79 Rp 395.7K

$7.50 ₱476

190.53%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.97 ₱61.2

140.21%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.93 ₱122

53.89%

One-way Ticket (Public Transport)

$0.25 Rp 4,547

$0.22 ₱13.94

13.64%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.5K

$12.26 ₱777

-33.36%

Taxi Start (Normal Tariff)

$0.44 Rp 7,950

$0.75 ₱47.76

-41.33%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,499

$0.23 ₱14.61

104.35%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$1.91 ₱121

193.19%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.00 ₱63.2

-17.00%

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

$24.4K Rp 444.0M

$21.0K ₱1.3M

16.28%

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

$31.7K Rp 575.6M

$18.8K ₱1.2M

68.54%

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

$77.5 Rp 1.4M

$119 ₱7,546

-34.92%

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

$6.14 Rp 111.6K

$15.64 ₱991

-60.74%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.5K

$23.94 ₱1,517

-20.97%

Gym Membership (Monthly)

$51.0 Rp 926.1K

$31.30 ₱1,984

62.91%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.4K

$5.11 ₱324

257.14%

Cinema Ticket

$4.38 Rp 79.6K

$5.06 ₱321

-13.44%

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

$492 Rp 8.9M

$131 ₱8,327

274.81%

International Primary School, 1 Child (Yearly)

$12.2K Rp 222.0M

$7,744 ₱490.9K

57.81%

Jeans (Levis 501 Or Similar)

$45.16 Rp 820.2K

$32.77 ₱2,077

37.81%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.6K

$19.23 ₱1,219

81.44%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$69.8 ₱4,425

12.19%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$55.0 ₱3,487

41.56%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$247 ₱15.6K

336.94%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$167 ₱10.6K

298.11%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$497 ₱31.5K

605.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$344 ₱21.8K

385.62%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$2,674 ₱169.5K

-12.50%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,094 ₱69.3K

104.47%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$159 ₱10.1K

4.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.92

99.13%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Laoag City: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Laoag City

$167 23.2% 74.9% $498

Groceries & Markets

Ubud, Bali

$279 21%

Laoag City

$179 24.8% 36.1% $101

Clothing & Footwear

Ubud, Bali

$106 8%

Laoag City

$80 11.1% 25.2% $27

Eating Out

Ubud, Bali

$106 8%

Laoag City

$80 11.1% 24.8% $26

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Laoag City

$159 22% 54.7% $56

Sport & Entertainment

Ubud, Bali

$60 4.5%

Laoag City

$41 5.8% 30.7% $18

Getting Around

Ubud, Bali

$12 0.9%

Laoag City

$15 2.1% 25.9% $3.1

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $247 in Laoag City. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 4% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35 in Ubud, Bali versus $17 in Laoag City. Monthly groceries follow the same trend: $279 vs $179 – making Laoag City the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Laoag City

🕒 Local time

00:55 12:55 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

112,117

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 PHP = 1.58 USD

100 PHP = 1.41 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 November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,333 IDR (100,000 IDR = 4.92 EUR).

Philippine Peso exchange rates as of November 3, 2026: 1 USD = 63.38 PHP (100 PHP = 1.58 USD). 1 EUR = 70.96 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Laoag City 3,030 km ≈ 4 h 15 min nonstop flight

From you

Ubud, Bali
Laoag City

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 Laoag City: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 85% more than Laoag City, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $1,080 in Laoag City. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Laoag City, especially for central apartments: a one-bedroom in the center costs $247 there versus $1,078 in Ubud, Bali.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $720 in Laoag City. That makes Laoag City about 46% cheaper.

Public transport costs about 33% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $800 monthly budget goes further in Laoag City, where all-in costs run around $720, than in Ubud, Bali at $1,331. In Laoag City it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Laoag City – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Laoag City. If higher salaries or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.