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: $1,392 in Ubud, Bali versus $732 in Pagadian.

Estimated couple costs with rent: $2,361 in Ubud, Bali versus $1,109 in Pagadian.

Monthly costs for a family of three with rent: $3,330 in Ubud, Bali versus $1,485 in Pagadian.

Living in Ubud, Bali is roughly 90% more expensive than in Pagadian, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 3% above, Pagadian is 46% below.

Meal at Budget Restaurant

$3.30 Rp 59.5K

$4.04 ₱246

-18.32%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 695.8K

$17.10 ₱1,042

125.67%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 99.7K

$1.68 ₱102

229.17%

Cappuccino

$2.62 Rp 47.3K

$1.84 ₱112

42.39%

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

$1.59 Rp 28.7K

$0.70 ₱42.96

127.14%

Water (0.33 liter bottle)

$0.76 Rp 13.7K

$0.32 ₱19.28

137.50%

Local Beer (0.5 liter draught)

$2.62 Rp 47.3K

$1.12 ₱68.2

133.93%

Imported Beer (0.33 liter bottle)

$4.25 Rp 76.7K

$1.62 ₱99.1

162.35%

Milk (1 liter)

$1.58 Rp 28.4K

$1.64 ₱100

-3.66%

White Bread (500g)

$2.30 Rp 41.4K

$1.21 ₱73.6

90.08%

Rice (white) (1kg)

$1.04 Rp 18.7K

$0.89 ₱54.1

16.85%

Eggs

$2.07 Rp 37.3K

$2.00 ₱122

3.50%

Local Cheese (1kg)

$17.61 Rp 317.6K

$5.37 ₱328

227.93%

Chicken Fillets (1kg)

$3.97 Rp 71.6K

$4.80 ₱293

-17.29%

Beef Round Steak (1kg)

$11.99 Rp 216.1K

$7.22 ₱440

66.07%

Apples (1kg)

$3.53 Rp 63.6K

$2.47 ₱150

42.91%

Banana (1kg)

$1.60 Rp 28.8K

$1.55 ₱94.8

3.23%

Oranges (1kg)

$2.33 Rp 42.0K

$2.42 ₱147

-3.72%

Tomato (1kg)

$1.94 Rp 35.0K

$1.13 ₱69.1

71.68%

Potato (1kg)

$1.79 Rp 32.4K

$2.20 ₱134

-18.64%

Onion (1kg)

$2.26 Rp 40.7K

$2.01 ₱123

12.44%

Lettuce (1 head)

$0.98 Rp 17.7K

$0.84 ₱51.4

16.67%

Water (1.5 liter bottle)

$0.52 Rp 9,355

$0.56 ₱34.43

-7.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.31 Rp 41.7K

$2.93 ₱179

-21.16%

Wine (Bottle)

$23.35 Rp 421.0K

$8.15 ₱497

186.50%

Local Beer (0.5 liter bottle)

$2.26 Rp 40.8K

$1.00 ₱60.9

126.00%

Imported Beer (0.33 liter bottle)

$2.81 Rp 50.7K

$1.98 ₱121

41.92%

One-way Ticket (Public Transport)

$0.27 Rp 4,891

$0.25 ₱15.07

8.00%

Public Transport Monthly Pass (Regular Price)

$9.16 Rp 165.1K

$11.34 ₱691

-19.22%

Taxi Start (Normal Tariff)

$0.44 Rp 8,011

$0.81 ₱49.51

-45.68%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,841

$0.28 ₱17.34

53.57%

Taxi 1hour Waiting (Normal Tariff)

$5.51 Rp 99.3K

$2.14 ₱130

157.48%

Gasoline (1 liter)

$0.79 Rp 14.3K

$1.10 ₱67.1

-28.18%

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

$23.9K Rp 430.2M

$19.6K ₱1.2M

21.77%

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

$30.6K Rp 552.6M

$20.0K ₱1.2M

53.07%

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

$81.5 Rp 1.5M

$125 ₱7,639

-34.98%

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

$6.31 Rp 113.8K

$14.48 ₱883

-56.42%

Internet (50+ Mbps, Unlimited Data)

$18.30 Rp 330.0K

$22.10 ₱1,347

-17.19%

Gym Membership (Monthly)

$54.0 Rp 973.3K

$28.85 ₱1,759

87.11%

Tennis Court (1 Hour on Weekend)

$17.89 Rp 322.7K

$4.26 ₱260

319.95%

Cinema Ticket

$4.24 Rp 76.5K

$4.85 ₱295

-12.58%

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

$482 Rp 8.7M

$117 ₱7,122

312.31%

International Primary School, 1 Child (Yearly)

$5,756 Rp 103.8M

$7,498 ₱457.2K

-23.24%

Jeans (Levis 501 Or Similar)

$44.99 Rp 811.3K

$33.37 ₱2,035

34.82%

Summer Dress (H&M, Zara, etc)

$34.88 Rp 628.9K

$21.91 ₱1,336

59.20%

Sport Shoes (Adidas, Nike)

$78.2 Rp 1.4M

$61.2 ₱3,730

27.88%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$56.2 ₱3,423

41.39%

1-bedroom Apartment, City Center (Monthly)

$1,148 Rp 20.7M

$246 ₱15.0K

366.46%

1-bedroom Apartment, Outside City Center (Monthly)

$688 Rp 12.4M

$200 ₱12.2K

244.13%

3-bedroom Apartment, City Center (Monthly)

$3,619 Rp 65.3M

$495 ₱30.2K

630.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

$357 ₱21.8K

382.11%

Buy Apartment in City Center (m2)

$2,783 Rp 50.2M

$2,574 ₱156.9K

8.11%

Buy Apartment Outside City Center (m2)

$2,238 Rp 40.3M

$1,078 ₱65.7K

107.65%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.79

102.95%

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

Last update for Ubud, Bali: August 2, 2026

Last update for Pagadian: August 3, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,148 in Ubud, Bali and $246 in Pagadian. Housing cost is often the main lever when comparing two cities.

Dining out: $39.00 in Ubud, Bali vs $17.00 in Pagadian for a mid-range dinner for two. Groceries echo the gap at $290 vs $185 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 90% in total monthly costs ($1,392 vs $732 including rent). Pagadian is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,088 in Ubud, Bali and $1,098 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: $1,148 in Ubud, Bali versus $246 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 $17.00 versus $39.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,392 per month in Ubud, Bali versus $732 in Pagadian – a 90% gap that adds up to real savings over time for anyone picking the cheaper option.

At $732 in Pagadian versus $1,392 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 90% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.