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: $1,394 in Ubud, Bali versus $765 in Pagadian.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,074 in Pagadian.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $1,384 in Pagadian.

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

The two cities straddle the global median: Ubud, Bali is 5% above, Pagadian is 43% below.

Meal at Budget Restaurant

$3.40 Rp 60.6K

$3.51 ₱213

-3.13%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 577.1K

$17.58 ₱1,064

84.19%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 89.1K

$3.20 ₱194

56.25%

Cappuccino

$2.82 Rp 50.3K

$2.84 ₱172

-0.70%

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

$1.38 Rp 24.5K

$0.93 ₱56.1

48.39%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.42 ₱25.36

73.81%

Local Beer (0.5 liter draught)

$2.98 Rp 53.2K

$1.05 ₱63.5

183.81%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.8K

$1.79 ₱108

121.79%

Milk (1 liter)

$1.79 Rp 32.0K

$1.71 ₱104

4.68%

White Bread (500g)

$2.46 Rp 43.9K

$1.09 ₱66.1

125.69%

Rice (white) (1kg)

$1.20 Rp 21.4K

$0.97 ₱58.8

23.71%

Eggs

$2.39 Rp 42.6K

$2.02 ₱122

18.32%

Local Cheese (1kg)

$14.40 Rp 256.6K

$7.82 ₱473

84.14%

Chicken Fillets (1kg)

$4.28 Rp 76.4K

$4.86 ₱295

-11.93%

Beef Round Steak (1kg)

$11.82 Rp 210.6K

$5.82 ₱353

103.09%

Apples (1kg)

$3.78 Rp 67.4K

$3.59 ₱218

5.29%

Banana (1kg)

$1.63 Rp 29.1K

$1.18 ₱71.5

38.14%

Oranges (1kg)

$2.80 Rp 49.9K

$3.28 ₱199

-14.63%

Tomato (1kg)

$2.26 Rp 40.3K

$1.33 ₱80.8

69.92%

Potato (1kg)

$2.00 Rp 35.6K

$2.53 ₱153

-20.95%

Onion (1kg)

$2.21 Rp 39.4K

$3.36 ₱203

-34.23%

Lettuce (1 head)

$1.07 Rp 19.1K

$1.10 ₱66.8

-2.73%

Water (1.5 liter bottle)

$0.76 Rp 13.6K

$0.77 ₱46.80

-1.30%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.7K

$2.63 ₱159

19.01%

Wine (Bottle)

$23.81 Rp 424.4K

$8.02 ₱485

196.88%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.6K

$1.04 ₱62.8

173.08%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.5K

$1.49 ₱90.3

86.58%

One-way Ticket (Public Transport)

$0.27 Rp 4,755

$0.26 ₱15.55

3.85%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 149.1K

$6.94 ₱420

20.61%

Taxi Start (Normal Tariff)

$0.45 Rp 8,082

$0.78 ₱47.27

-42.31%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,624

$0.24 ₱14.57

79.17%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 106.5K

$2.09 ₱127

186.12%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.26 ₱76.0

-36.51%

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

$25.8K Rp 459.9M

$27.1K ₱1.6M

-4.70%

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

$31.8K Rp 566.8M

$20.1K ₱1.2M

58.38%

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

$80.7 Rp 1.4M

$95.2 ₱5,763

-15.18%

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

$4.14 Rp 73.7K

$32.85 ₱1,989

-87.40%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 429.8K

$27.76 ₱1,681

-13.11%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$34.12 ₱2,065

186.49%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 118.4K

$4.39 ₱266

51.25%

Cinema Ticket

$4.04 Rp 71.9K

$6.09 ₱369

-33.66%

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

$297 Rp 5.3M

$152 ₱9,212

95.21%

International Primary School, 1 Child (Yearly)

$6,590 Rp 117.4M

$4,329 ₱262.1K

52.22%

Jeans (Levis 501 Or Similar)

$55.1 Rp 982.6K

$46.35 ₱2,806

18.96%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 686.2K

$26.24 ₱1,589

46.76%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$74.9 ₱4,534

15.02%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$52.5 ₱3,180

48.39%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.6M

$111 ₱6,702

790.00%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$178 ₱10.8K

273.85%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.4M

$253 ₱15.3K

1261.41%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.4M

$153 ₱9,248

1237.00%

Buy Apartment in City Center (m2)

$2,829 Rp 50.4M

$2,165 ₱131.1K

30.64%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.7M

$988 ₱59.8K

130.94%

Average Monthly Net Salary (After Tax)

$169 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: June 14, 2026

Last update for Pagadian: June 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $111 in Pagadian. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $18.00 in Pagadian for a mid-range dinner for two. Groceries echo the gap at $299 vs $202 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 82% in total monthly costs ($1,394 vs $765 including rent). Pagadian is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,091 in Ubud, Bali and $1,147 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: $985 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 $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,394 per month in Ubud, Bali versus $765 in Pagadian – a 82% gap that adds up to real savings over time for anyone picking the cheaper option.

At $765 in Pagadian versus $1,394 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 82% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.