Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Lucena

For one person, living is cheaper in Lucena: $632 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
30

Cost of Living Index in Lucena
Learn more

Lucena Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Lucena

🇵🇭 Philippines

$632

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Lucena

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

A single person spends $1,349 per month in Ubud, Bali vs $632 in Lucena, rent included.

Ubud, Bali $1,349
Lucena $632

A couple spends around $2,305 per month in Ubud, Bali vs $1,026 in Lucena, rent included.

Ubud, Bali $2,305
Lucena $1,026

A family of three spends $3,261 per month in Ubud, Bali vs $1,421 in Lucena, rent included.

Ubud, Bali $3,261
Lucena $1,421

Ubud, Bali costs about 113% more than Lucena, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$1.42 ₱90.9

133.80%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$18.88 ₱1,208

88.77%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$1.60 ₱103

245.62%

Cappuccino

$2.72 Rp 49.4K

$1.36 ₱86.7

100.00%

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

$1.70 Rp 30.9K

$0.30 ₱18.95

466.67%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.28 ₱18.06

171.43%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$1.37 ₱87.4

93.43%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$1.31 ₱83.9

234.35%

Milk (1 liter)

$1.49 Rp 27.1K

$1.61 ₱103

-7.45%

White Bread (500g)

$2.28 Rp 41.4K

$1.10 ₱70.6

107.27%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.91 ₱58.2

30.77%

Eggs

$2.04 Rp 37.0K

$1.80 ₱115

13.33%

Local Cheese (1kg)

$17.70 Rp 321.9K

$6.73 ₱431

163.00%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$4.18 ₱267

-5.26%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$6.89 ₱441

76.92%

Apples (1kg)

$3.66 Rp 66.5K

$3.94 ₱252

-7.11%

Banana (1kg)

$1.52 Rp 27.6K

$1.41 ₱90.1

7.80%

Oranges (1kg)

$2.23 Rp 40.5K

$3.52 ₱226

-36.65%

Tomato (1kg)

$1.97 Rp 35.9K

$1.11 ₱70.9

77.48%

Potato (1kg)

$1.85 Rp 33.6K

$2.33 ₱149

-20.60%

Onion (1kg)

$2.42 Rp 44.1K

$3.25 ₱208

-25.54%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.40 ₱89.8

-29.29%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$0.91 ₱58.3

-43.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$2.79 ₱179

-20.43%

Wine (Bottle)

$22.24 Rp 404.4K

$7.37 ₱472

201.76%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.30 ₱83.3

73.85%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.81 ₱116

64.09%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$0.22 ₱14.02

13.64%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$12.17 ₱779

-35.74%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$0.76 ₱48.66

-42.11%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$0.21 ₱13.41

104.76%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$2.55 ₱164

112.16%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.16 ₱74.0

-29.31%

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

$23.8K Rp 433.5M

$21.1K ₱1.4M

12.73%

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

$31.7K Rp 577.3M

$18.6K ₱1.2M

70.99%

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

$79.1 Rp 1.4M

$46.73 ₱2,990

69.18%

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

$6.45 Rp 117.2K

$6.27 ₱401

2.87%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$10.74 ₱687

73.00%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$33.83 ₱2,165

46.26%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$5.35 ₱342

229.91%

Cinema Ticket

$4.27 Rp 77.7K

$7.17 ₱459

-40.45%

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

$491 Rp 8.9M

$70.3 ₱4,499

597.68%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$2,461 ₱157.5K

130.53%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$35.51 ₱2,272

25.71%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$22.17 ₱1,419

57.65%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$78.7 ₱5,037

1.52%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$74.1 ₱4,741

7.21%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$246 ₱15.7K

357.07%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$164 ₱10.5K

309.45%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$481 ₱30.8K

640.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$355 ₱22.7K

385.61%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$2,752 ₱176.1K

-0.75%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,144 ₱73.2K

99.68%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$307 ₱19.7K

-46.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

96.86%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Lucena: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Lucena

$164 26% 75.6% $508

Groceries & Markets

Ubud, Bali

$288 21.4%

Lucena

$202 32% 29.8% $86

Eating Out

Ubud, Bali

$108 8%

Lucena

$44 7% 59% $63

Clothing & Footwear

Ubud, Bali

$108 8%

Lucena

$95 15% 11.9% $13

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Lucena

$64 10.1% 38.8% $40

Sport & Entertainment

Ubud, Bali

$58 4.3%

Lucena

$48 7.6% 17% $9.9

Getting Around

Ubud, Bali

$11 0.9%

Lucena

$15 2.4% 30% $3.4

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $246 in Lucena. 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 87% higher in Lucena, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36 in Ubud, Bali versus $19 in Lucena. Monthly groceries follow the same trend: $288 vs $202 – making Lucena the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Lucena

🕒 Local time

19:57 7:57 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

278,924

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.93 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 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 October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,291 IDR (100,000 IDR = 4.93 EUR).

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.41 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Lucena 2,590 km ≈ 3 h 45 min nonstop flight

From you

Ubud, Bali
Lucena

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 Lucena: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $632 in Lucena – Lucena comes out roughly 53% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $948 in Lucena. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Lucena, especially for central apartments: a one-bedroom in the center costs $246 there versus $1,125 in Ubud, Bali.

Kindergarten costs $491 per month in Ubud, Bali and $70 in Lucena. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 43% more in Ubud, Bali, though the gap depends on what you buy.

A $1,200 monthly budget goes further in Lucena, where all-in costs run around $632, than in Ubud, Bali at $1,349. In Lucena it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.