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: $1,392 in Ubud, Bali versus $779 in Naga.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,145 in Naga.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,510 in Naga.

Living in Ubud, Bali is roughly 79% more expensive than in Naga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Naga is 41% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$3.45 ₱211

3.48%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$18.03 ₱1,104

79.26%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$3.29 ₱201

52.28%

Cappuccino

$2.82 Rp 51.0K

$2.46 ₱151

14.63%

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

$1.35 Rp 24.4K

$0.83 ₱50.8

62.65%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.37 ₱22.36

97.30%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.36 ₱83.3

115.44%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$2.17 ₱133

81.57%

Milk (1 liter)

$1.78 Rp 32.1K

$1.90 ₱116

-6.32%

White Bread (500g)

$2.45 Rp 44.2K

$1.27 ₱77.6

92.91%

Rice (white) (1kg)

$1.15 Rp 20.7K

$0.86 ₱52.8

33.72%

Eggs

$2.41 Rp 43.6K

$1.72 ₱105

40.12%

Local Cheese (1kg)

$14.33 Rp 258.7K

$8.23 ₱504

74.12%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$4.20 ₱257

-0.24%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$7.50 ₱459

60.80%

Apples (1kg)

$3.64 Rp 65.7K

$2.90 ₱177

25.52%

Banana (1kg)

$1.57 Rp 28.3K

$1.57 ₱96.3

Oranges (1kg)

$2.79 Rp 50.3K

$2.70 ₱165

3.33%

Tomato (1kg)

$2.24 Rp 40.5K

$1.55 ₱95.1

44.52%

Potato (1kg)

$1.98 Rp 35.7K

$2.32 ₱142

-14.66%

Onion (1kg)

$2.28 Rp 41.1K

$2.54 ₱155

-10.24%

Lettuce (1 head)

$1.05 Rp 19.0K

$1.06 ₱64.9

-0.94%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.76 ₱46.72

3.95%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$2.60 ₱159

22.69%

Wine (Bottle)

$23.49 Rp 424.1K

$3.85 ₱236

510.13%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.21 ₱74.0

139.67%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.97 ₱121

40.10%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.28 ₱17.33

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$0.81 ₱49.72

-44.44%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.22 ₱13.43

109.09%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$2.08 ₱128

191.83%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.11 ₱67.7

-22.52%

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

$26.6K Rp 480.0M

$26.9K ₱1.6M

-1.08%

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

$32.5K Rp 587.6M

$20.2K ₱1.2M

61.33%

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

$79.0 Rp 1.4M

$113 ₱6,916

-30.06%

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

$4.09 Rp 73.9K

$32.32 ₱1,979

-87.35%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$26.39 ₱1,616

-9.62%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$34.42 ₱2,107

186.98%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

Cinema Ticket

$4.01 Rp 72.3K

$5.76 ₱353

-30.38%

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

$297 Rp 5.4M

$153 ₱9,389

93.79%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$4,369 ₱267.4K

51.12%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$45.11 ₱2,761

18.44%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$27.01 ₱1,654

41.10%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$75.4 ₱4,616

17.56%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$53.7 ₱3,289

42.60%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$267 ₱16.3K

282.52%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$173 ₱10.6K

292.53%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$323 ₱19.8K

973.22%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$266 ₱16.3K

685.56%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$147 ₱9,005

11.26%

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: July 28, 2026

Last update for Naga: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $267 in Naga. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 11% 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: $32.00 in Ubud, Bali vs $18.00 in Naga for a mid-range dinner for two. Groceries echo the gap at $298 vs $196 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 79% in total monthly costs ($1,392 vs $779 including rent). Naga is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 11% 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: $1,020 in Ubud, Bali versus $267 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 52% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,392 per month in Ubud, Bali versus $779 in Naga – a 79% gap that adds up to real savings over time for anyone picking the cheaper option.

At $779 in Naga versus $1,392 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 79% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.