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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $766 in Pagadian.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,081 in Pagadian.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,396 in Pagadian.

Living in Ubud, Bali is roughly 88% more expensive than Pagadian, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Pagadian is 43% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$3.47 ₱214

2.88%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$17.84 ₱1,101

82.62%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$3.32 ₱205

52.71%

Cappuccino

$2.83 Rp 49.0K

$2.91 ₱180

-2.75%

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

$1.34 Rp 23.2K

$1.02 ₱62.8

31.37%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.46 ₱28.34

50.00%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.03 ₱63.7

190.29%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$1.80 ₱111

113.89%

Milk (1 liter)

$1.74 Rp 30.2K

$1.79 ₱110

-2.79%

White Bread (500g)

$2.54 Rp 44.0K

$1.08 ₱66.4

135.19%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.99 ₱60.8

20.20%

Eggs

$2.43 Rp 42.0K

$2.00 ₱124

21.50%

Local Cheese (1kg)

$14.66 Rp 254.1K

$8.22 ₱507

78.35%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$4.83 ₱298

-13.46%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$5.77 ₱356

106.93%

Apples (1kg)

$3.69 Rp 63.9K

$3.47 ₱214

6.34%

Banana (1kg)

$1.61 Rp 27.8K

$1.12 ₱69.2

43.75%

Oranges (1kg)

$2.69 Rp 46.5K

$3.42 ₱211

-21.35%

Tomato (1kg)

$2.33 Rp 40.4K

$1.34 ₱82.7

73.88%

Potato (1kg)

$1.91 Rp 33.0K

$2.56 ₱158

-25.39%

Onion (1kg)

$2.19 Rp 37.9K

$3.38 ₱208

-35.21%

Lettuce (1 head)

$1.06 Rp 18.3K

$1.11 ₱68.6

-4.50%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.73 ₱44.75

-1.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$2.60 ₱160

20.38%

Wine (Bottle)

$23.49 Rp 407.1K

$6.78 ₱418

246.46%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.05 ₱64.5

160.95%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.54 ₱94.8

87.01%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.28 ₱17.41

3.57%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$7.05 ₱435

15.89%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.79 ₱48.43

-43.04%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.22 ₱13.53

90.91%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$2.07 ₱128

197.58%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.24 ₱76.4

-32.26%

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

$26.2K Rp 454.9M

$26.3K ₱1.6M

-0.03%

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

$32.5K Rp 562.9M

$20.1K ₱1.2M

61.20%

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

$78.4 Rp 1.4M

$93.0 ₱5,738

-15.70%

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

$3.95 Rp 68.5K

$33.39 ₱2,059

-88.17%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$27.33 ₱1,686

-10.72%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$34.24 ₱2,112

181.95%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$4.53 ₱279

40.18%

Cinema Ticket

$4.04 Rp 70.0K

$6.10 ₱376

-33.77%

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

$303 Rp 5.2M

$150 ₱9,241

101.98%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$4,307 ₱265.7K

51.44%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$45.65 ₱2,815

17.94%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$26.11 ₱1,610

45.46%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$74.0 ₱4,564

17.26%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$54.2 ₱3,340

45.61%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$111 ₱6,847

811.83%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$177 ₱10.9K

281.20%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$244 ₱15.1K

1287.04%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$154 ₱9,474

1266.05%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$2,393 ₱147.6K

24.71%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

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: April 28, 2026

Last update for Pagadian: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $111 in Pagadian. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $18.00 in Pagadian for a mid-range dinner for two. Groceries echo the gap at $298 vs $201 per month, with Pagadian 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 Pagadian: Cost of Living - Frequently Asked Questions

Ubud, Bali and Pagadian differ by about 88% in total monthly costs ($1,438 vs $766 including rent). Pagadian is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,158 in Ubud, Bali and $1,149 in Pagadian to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,012 in Ubud, Bali versus $111 in Pagadian. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Pagadian – a meal for two runs $18.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,438 per month in Ubud, Bali versus $766 in Pagadian – a 88% gap that adds up to real savings over time for anyone picking the cheaper option.

At $766 in Pagadian versus $1,438 in Ubud, Bali, a $2,000 budget is realistic in Pagadian but tight or insufficient in Ubud, Bali. The gap between the two cities makes Pagadian 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 Pagadian 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 Pagadian gentler on the wallet – expenses run 88% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.