Cost of Living Comparison Between Ubud, Bali and Naga Cost of Living Comparison Between Ubud, Bali and Naga

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $770 in Naga.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $1,117 in Naga.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $1,463 in Naga.

Living in Ubud, Bali is roughly 82% more expensive than Naga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Naga is 43% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$3.65 ₱222

-2.19%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$17.76 ₱1,078

83.00%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$3.40 ₱206

42.94%

Cappuccino

$2.75 Rp 49.2K

$2.44 ₱148

12.70%

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

$1.32 Rp 23.7K

$0.77 ₱46.49

71.43%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.40 ₱24.15

75.00%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$1.37 ₱83.0

112.41%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.15 ₱131

76.28%

Milk (1 liter)

$1.71 Rp 30.6K

$1.90 ₱115

-10.00%

White Bread (500g)

$2.47 Rp 44.3K

$1.27 ₱76.9

94.49%

Rice (white) (1kg)

$1.20 Rp 21.5K

$0.85 ₱51.4

41.18%

Eggs

$2.44 Rp 43.8K

$1.70 ₱103

43.53%

Local Cheese (1kg)

$14.38 Rp 257.7K

$8.00 ₱486

79.75%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$4.19 ₱255

2.86%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$7.87 ₱478

55.15%

Apples (1kg)

$3.68 Rp 66.0K

$2.86 ₱174

28.67%

Banana (1kg)

$1.55 Rp 27.8K

$1.54 ₱93.7

0.65%

Oranges (1kg)

$2.79 Rp 49.9K

$2.58 ₱157

8.14%

Tomato (1kg)

$2.33 Rp 41.8K

$1.55 ₱93.9

50.32%

Potato (1kg)

$1.97 Rp 35.3K

$2.31 ₱140

-14.72%

Onion (1kg)

$2.31 Rp 41.4K

$2.50 ₱152

-7.60%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.06 ₱64.3

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.73 ₱44.19

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$2.52 ₱153

30.16%

Wine (Bottle)

$22.79 Rp 408.4K

$3.80 ₱230

499.74%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$1.15 ₱69.8

144.35%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$2.04 ₱124

36.27%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.26 ₱15.58

11.54%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$0.84 ₱51.0

-46.43%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.22 ₱13.27

104.55%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$2.07 ₱126

201.45%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.15 ₱69.9

-26.09%

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

$26.0K Rp 465.4M

$27.0K ₱1.6M

-3.67%

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

$31.7K Rp 567.2M

$20.2K ₱1.2M

56.85%

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

$80.8 Rp 1.4M

$110 ₱6,701

-26.83%

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

$4.06 Rp 72.7K

$32.14 ₱1,951

-87.37%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$26.84 ₱1,630

-9.02%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$33.57 ₱2,038

190.94%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$4.04 Rp 72.4K

$5.92 ₱359

-31.76%

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

$304 Rp 5.4M

$152 ₱9,242

99.74%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$4,349 ₱264.1K

52.25%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$46.62 ₱2,831

16.32%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$26.17 ₱1,589

48.18%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$74.8 ₱4,544

15.11%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$53.3 ₱3,236

43.85%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$262 ₱15.9K

276.24%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$174 ₱10.6K

277.39%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$326 ₱19.8K

932.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$268 ₱16.3K

669.72%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$145 ₱8,823

12.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.67

99.10%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Naga: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $262 in Naga. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 12% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $33.00 in Ubud, Bali vs $18.00 in Naga for a mid-range dinner for two. Groceries echo the gap at $297 vs $194 per month, with Naga 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 Naga: Cost of Living - Frequently Asked Questions

Ubud, Bali and Naga differ by about 82% in total monthly costs ($1,404 vs $770 including rent). Naga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Ubud, Bali pays 12% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $986 in Ubud, Bali versus $262 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 53% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,404 per month in Ubud, Bali versus $770 in Naga – a 82% gap that adds up to real savings over time for anyone picking the cheaper option.

At $770 in Naga versus $1,404 in Ubud, Bali, a $2,000 budget is realistic in Naga but tight or insufficient in Ubud, Bali. The gap between the two cities makes Naga 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 Naga 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 Naga gentler on the wallet – expenses run 82% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.