Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Pagadian

For one person, living is cheaper in Pagadian: $718 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
34

Cost of Living Index in Pagadian
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Pagadian Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Pagadian

🇵🇭 Philippines

$718

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $718 in Pagadian.

Ubud, Bali $1,331
Pagadian $718

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,097 in Pagadian.

Ubud, Bali $2,255
Pagadian $1,097

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $1,476 in Pagadian.

Ubud, Bali $3,180
Pagadian $1,476

Living in Ubud, Bali is roughly 85% more expensive than in Pagadian, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, Pagadian 47% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$3.80 ₱241

-11.05%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$16.44 ₱1,043

110.77%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$2.70 ₱172

106.30%

Cappuccino

$2.62 Rp 47.5K

$1.87 ₱119

40.11%

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

$1.54 Rp 27.9K

$0.79 ₱49.93

94.94%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.22 ₱13.90

190.91%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.39 ₱88.1

92.09%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$2.04 ₱129

108.82%

Milk (1 liter)

$1.46 Rp 26.5K

$1.65 ₱105

-11.52%

White Bread (500g)

$2.29 Rp 41.6K

$1.13 ₱71.7

102.65%

Rice (white) (1kg)

$1.11 Rp 20.1K

$0.91 ₱58.0

21.98%

Eggs

$2.10 Rp 38.1K

$1.83 ₱116

14.75%

Local Cheese (1kg)

$15.94 Rp 289.2K

$5.42 ₱344

194.10%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$4.14 ₱263

-6.28%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$6.75 ₱428

68.89%

Apples (1kg)

$3.55 Rp 64.4K

$2.32 ₱147

53.02%

Banana (1kg)

$1.54 Rp 27.9K

$1.50 ₱95.4

2.67%

Oranges (1kg)

$2.23 Rp 40.5K

$2.30 ₱146

-3.04%

Tomato (1kg)

$1.97 Rp 35.8K

$1.11 ₱70.2

77.48%

Potato (1kg)

$1.86 Rp 33.7K

$2.10 ₱133

-11.43%

Onion (1kg)

$2.42 Rp 43.9K

$2.27 ₱144

6.61%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.06 ₱67.1

-3.77%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.58 ₱36.63

-10.34%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.96 ₱188

-25.68%

Wine (Bottle)

$21.79 Rp 395.2K

$7.40 ₱469

194.46%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.91 ₱57.8

156.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.91 ₱121

55.50%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$0.24 ₱15.32

4.17%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$12.16 ₱771

-32.81%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$0.76 ₱48.15

-42.11%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.20 ₱12.67

135.00%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$1.90 ₱121

194.74%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.00 ₱63.5

-17.00%

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

$24.4K Rp 443.5M

$21.0K ₱1.3M

16.36%

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

$31.7K Rp 575.0M

$19.3K ₱1.2M

64.13%

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

$77.5 Rp 1.4M

$122 ₱7,771

-36.75%

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

$6.14 Rp 111.5K

$15.30 ₱971

-59.87%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$23.94 ₱1,519

-20.97%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$31.63 ₱2,007

61.21%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$5.18 ₱329

252.32%

Cinema Ticket

$4.38 Rp 79.5K

$5.17 ₱328

-15.28%

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

$492 Rp 8.9M

$132 ₱8,402

271.81%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$7,721 ₱489.8K

58.30%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$32.25 ₱2,046

40.03%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$19.14 ₱1,214

82.29%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$70.7 ₱4,484

10.81%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$55.1 ₱3,495

41.35%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$254 ₱16.1K

324.56%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$167 ₱10.6K

298.64%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$489 ₱31.0K

617.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$356 ₱22.6K

370.01%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,654 ₱168.4K

-11.82%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,107 ₱70.3K

101.92%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.92

99.13%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Pagadian: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Pagadian

$167 23.2% 74.9% $498

Groceries & Markets

Ubud, Bali

$279 21%

Pagadian

$177 24.6% 36.8% $103

Clothing & Footwear

Ubud, Bali

$106 8%

Pagadian

$80 11.1% 25% $27

Eating Out

Ubud, Bali

$106 8%

Pagadian

$76 10.6% 28.1% $30

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Pagadian

$162 22.5% 57.7% $59

Sport & Entertainment

Ubud, Bali

$60 4.5%

Pagadian

$42 5.9% 29.8% $18

Getting Around

Ubud, Bali

$12 0.9%

Pagadian

$15 2.1% 24.5% $2.9

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $254 in Pagadian. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $16 in Pagadian for a mid-range dinner for two. Groceries echo the gap at $279 vs $177 per month, with Pagadian cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Pagadian

🕒 Local time

08:42 8:42 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

199,060

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

100 PHP = 1.58 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 4, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

Philippine Peso exchange rates as of November 4, 2026: 1 USD = 63.44 PHP (100 PHP = 1.58 USD). 1 EUR = 70.95 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Pagadian 2,030 km ≈ 3 h nonstop flight

From you

Ubud, Bali
Pagadian

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 Pagadian: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $718 in Pagadian, so Pagadian is about 46% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $1,077 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: $1,078 in Ubud, Bali versus $254 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 $16 versus $35 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $718 in Pagadian – Pagadian is about 46% cheaper, which adds up to real savings over time.

At $718 in Pagadian versus $1,331 in Ubud, Bali, a $1,200 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.