Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Naga

For one person, living is cheaper in Naga: $552 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,600 less a year. Rent and utilities account for most of the difference.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Naga

🇵🇭 Philippines

$552

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $552 in Naga.

Ubud, Bali $1,349
Naga $552

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $845 in Naga.

Ubud, Bali $2,305
Naga $845

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,138 in Naga.

Ubud, Bali $3,261
Naga $1,138

Living in Ubud, Bali is roughly 144% more expensive than in Naga, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$5.10 ₱325

-34.90%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$13.37 ₱851

166.57%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$2.77 ₱176

99.64%

Cappuccino

$2.72 Rp 49.3K

$2.74 ₱174

-0.73%

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

$1.70 Rp 30.9K

$0.67 ₱42.76

153.73%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.22 ₱13.99

245.45%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.31 ₱83.2

102.29%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$3.09 ₱197

41.75%

Milk (1 liter)

$1.49 Rp 27.0K

$1.95 ₱124

-23.59%

White Bread (500g)

$2.28 Rp 41.3K

$0.80 ₱50.9

185.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.77 ₱49.12

54.55%

Eggs

$2.04 Rp 36.9K

$1.68 ₱107

21.43%

Local Cheese (1kg)

$17.70 Rp 321.1K

$10.06 ₱641

75.94%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$4.12 ₱263

-3.88%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$6.84 ₱436

78.22%

Apples (1kg)

$3.66 Rp 66.3K

$1.90 ₱121

92.63%

Banana (1kg)

$1.52 Rp 27.5K

$1.66 ₱106

-8.43%

Oranges (1kg)

$2.23 Rp 40.4K

$2.41 ₱154

-7.47%

Tomato (1kg)

$1.97 Rp 35.8K

$2.37 ₱151

-16.88%

Potato (1kg)

$1.85 Rp 33.5K

$2.53 ₱161

-26.88%

Onion (1kg)

$2.42 Rp 44.0K

$2.21 ₱141

9.50%

Lettuce (1 head)

$0.99 Rp 18.0K

$4.63 ₱295

-78.62%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.60 ₱38.26

-15.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.76 ₱176

-19.57%

Wine (Bottle)

$22.24 Rp 403.4K

$3.77 ₱240

489.92%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.53 ₱97.3

47.71%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$0.25 Rp 4,553

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.58 ₱36.71

-24.14%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.19 ₱75.8

-31.09%

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

$23.8K Rp 432.4M

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

$31.7K Rp 575.9M

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

$79.1 Rp 1.4M

$97.7 ₱6,223

-19.09%

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

$6.45 Rp 116.9K

$23.84 ₱1,518

-72.94%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$25.59 ₱1,630

-27.39%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$7.73 ₱492

540.10%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$4.80 ₱306

-11.04%

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

$491 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$7,801 ₱496.8K

-27.26%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

Men's Leather Business Shoes

$79.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$158 ₱10.1K

610.54%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$85.9 ₱5,470

681.80%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$240 ₱15.3K

1383.43%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$195 ₱12.4K

782.79%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$138 ₱8,815

18.38%

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: October 25, 2026

Last update for Naga: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Naga

–

Groceries & Markets

Ubud, Bali

$288 21.4%

Naga

–

Eating Out

Ubud, Bali

$108 8%

Naga

–

Clothing & Footwear

Ubud, Bali

$108 8%

Naga

–

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Naga

–

Sport & Entertainment

Ubud, Bali

$58 4.3%

Naga

–

Getting Around

Ubud, Bali

$11 0.9%

Naga

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $158 in Naga. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 18% 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 in Ubud, Bali vs $13 in Naga for a mid-range dinner for two. Groceries echo the gap at $288 vs $202 per month, with Naga cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Naga

🕒 Local time

08:37 8:37 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

115,750

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 PHP = 1.57 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 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Philippine Peso exchange rates as of November 2, 2026: 1 USD = 63.69 PHP (100 PHP = 1.57 USD). 1 EUR = 71.12 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Naga 2,610 km ≈ 3 h 45 min nonstop flight

From you

Ubud, Bali
Naga

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 Naga: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $552 in Naga, so Naga is about 59% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 18% 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: $1,125 in Ubud, Bali versus $158 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 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $552 in Naga – Naga is about 59% cheaper, which adds up to real savings over time.

At $552 in Naga versus $1,349 in Ubud, Bali, a $1,200 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 both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Naga wins on affordability, Ubud, Bali on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.