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: $1,368 in Ubud, Bali versus $549 in Naga.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $862 in Naga.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $1,175 in Naga.

Living in Ubud, Bali is roughly 149% more expensive than in Naga, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Ubud, Bali is 0% above, Naga is 60% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$5.07 ₱318

-32.15%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$13.27 ₱833

173.62%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$2.72 ₱171

109.93%

Cappuccino

$2.67 Rp 47.3K

$2.66 ₱167

0.38%

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

$1.75 Rp 31.0K

$0.75 ₱47.22

133.33%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.25 ₱15.72

248.00%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.33 ₱83.3

121.80%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.19 ₱200

41.69%

Milk (1 liter)

$1.62 Rp 28.7K

$1.88 ₱118

-13.83%

White Bread (500g)

$2.33 Rp 41.3K

$0.79 ₱49.77

194.94%

Rice (white) (1kg)

$1.11 Rp 19.6K

$0.83 ₱52.3

33.73%

Eggs

$2.20 Rp 39.0K

$1.69 ₱106

30.18%

Local Cheese (1kg)

$17.69 Rp 313.3K

$10.17 ₱638

73.94%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$4.12 ₱258

-0.49%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$7.19 ₱451

69.40%

Apples (1kg)

$3.71 Rp 65.6K

$1.94 ₱122

91.24%

Banana (1kg)

$1.59 Rp 28.1K

$1.66 ₱104

-4.22%

Oranges (1kg)

$2.28 Rp 40.4K

$2.34 ₱147

-2.56%

Tomato (1kg)

$1.95 Rp 34.6K

$2.33 ₱146

-16.31%

Potato (1kg)

$1.91 Rp 33.7K

$2.56 ₱160

-25.39%

Onion (1kg)

$2.33 Rp 41.3K

$2.33 ₱146

Lettuce (1 head)

$1.01 Rp 17.8K

$4.90 ₱307

-79.39%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.61 ₱38.55

-9.84%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$2.91 ₱183

-23.37%

Wine (Bottle)

$23.07 Rp 408.6K

$3.79 ₱238

508.71%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.61 ₱101

50.31%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

One-way Ticket (Public Transport)

$0.27 Rp 4,814

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.58 ₱36.39

-17.24%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.13 ₱71.0

-29.20%

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

$24.9K Rp 441.7M

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

$31.7K Rp 561.5M

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

$81.5 Rp 1.4M

$99.1 ₱6,215

-17.79%

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

$6.49 Rp 115.0K

$24.16 ₱1,516

-73.14%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$26.88 ₱1,686

-30.17%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$8.14 ₱510

598.65%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

Cinema Ticket

$4.54 Rp 80.4K

$4.74 ₱297

-4.22%

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

$481 Rp 8.5M

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$8,005 ₱502.1K

-28.65%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

Men's Leather Business Shoes

$78.7 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$157 ₱9,870

608.22%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$87.2 ₱5,469

700.15%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$251 ₱15.7K

1350.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$194 ₱12.2K

795.99%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$143 ₱8,994

17.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: September 14, 2026

Last update for Naga: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $157 in Naga. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 17% 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: $36.00 in Ubud, Bali vs $13.00 in Naga for a mid-range dinner for two. Groceries echo the gap at $295 vs $205 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 149% in total monthly costs ($1,368 vs $549 including rent). Naga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 17% higher in Ubud, Bali, 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: $1,115 in Ubud, Bali versus $157 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Naga – a meal for two runs $13.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $549 in Naga – a 149% gap that adds up to real savings over time for anyone picking the cheaper option.

At $549 in Naga versus $1,368 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 149% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.