Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Pampanga

For one person, living is cheaper in Pampanga: $682 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
32

Cost of Living Index in Pampanga
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Pampanga Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Pampanga

🇵🇭 Philippines

$682

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $682 in Pampanga.

Ubud, Bali $1,349
Pampanga $682

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,024 in Pampanga.

Ubud, Bali $2,305
Pampanga $1,024

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,366 in Pampanga.

Ubud, Bali $3,261
Pampanga $1,366

Living in Ubud, Bali is roughly 98% more expensive than in Pampanga, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$2.70 ₱173

22.96%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$15.81 ₱1,012

125.43%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$3.12 ₱199

77.24%

Cappuccino

$2.72 Rp 49.4K

$2.20 ₱140

23.64%

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

$1.70 Rp 30.9K

$0.69 ₱44.31

146.38%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.33 ₱21.16

130.30%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$1.19 ₱76.3

122.69%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$2.09 ₱134

109.57%

Milk (1 liter)

$1.49 Rp 27.1K

$1.47 ₱94.1

1.36%

White Bread (500g)

$2.28 Rp 41.4K

$1.09 ₱69.9

109.17%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.83 ₱53.3

43.37%

Eggs

$2.04 Rp 37.0K

$1.46 ₱93.6

39.73%

Local Cheese (1kg)

$17.70 Rp 321.9K

$3.98 ₱255

344.72%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$2.77 ₱177

42.96%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$6.27 ₱401

94.42%

Apples (1kg)

$3.66 Rp 66.5K

$1.91 ₱122

91.62%

Banana (1kg)

$1.52 Rp 27.6K

$0.98 ₱62.7

55.10%

Oranges (1kg)

$2.23 Rp 40.5K

$2.08 ₱133

7.21%

Tomato (1kg)

$1.97 Rp 35.9K

$1.01 ₱64.8

95.05%

Potato (1kg)

$1.85 Rp 33.6K

$1.40 ₱89.3

32.14%

Onion (1kg)

$2.42 Rp 44.1K

$1.49 ₱95.7

62.42%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.85 ₱54.4

16.47%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$0.58 ₱37.14

-12.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$1.86 ₱119

19.35%

Wine (Bottle)

$22.24 Rp 404.4K

$5.74 ₱367

287.46%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$0.69 ₱43.86

227.54%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.26 ₱80.7

135.71%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$0.22 ₱14.05

13.64%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$12.15 ₱778

-35.64%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$0.75 ₱47.68

-41.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$0.21 ₱13.47

104.76%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$1.78 ₱114

203.93%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.00 ₱63.7

-18.00%

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

$23.8K Rp 433.5M

$18.1K ₱1.2M

31.56%

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

$31.7K Rp 577.3M

$16.9K ₱1.1M

88.00%

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

$79.1 Rp 1.4M

$131 ₱8,361

-39.49%

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

$6.45 Rp 117.2K

$15.34 ₱982

-57.95%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$27.94 ₱1,788

-33.50%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$29.00 ₱1,856

70.62%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$5.54 ₱355

218.59%

Cinema Ticket

$4.27 Rp 77.7K

$5.70 ₱365

-25.09%

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

$491 Rp 8.9M

$129 ₱8,227

281.59%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$7,728 ₱494.5K

-26.58%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$25.95 ₱1,661

72.02%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$18.82 ₱1,204

85.71%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$69.5 ₱4,449

14.93%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$36.81 ₱2,356

115.76%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$247 ₱15.8K

354.82%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$170 ₱10.9K

295.46%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$487 ₱31.1K

632.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$355 ₱22.7K

385.97%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$2,606 ₱166.8K

4.82%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,105 ₱70.7K

106.65%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$290 ₱18.5K

-43.44%

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: October 25, 2026

Last update for Pampanga: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Pampanga

$170 24.9% 74.7% $502

Groceries & Markets

Ubud, Bali

$288 21.4%

Pampanga

$143 21% 50.4% $145

Eating Out

Ubud, Bali

$108 8%

Pampanga

$72 10.5% 33.5% $36

Clothing & Footwear

Ubud, Bali

$108 8%

Pampanga

$68 10% 36.8% $40

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Pampanga

$174 25.5% 67.1% $70

Sport & Entertainment

Ubud, Bali

$58 4.3%

Pampanga

$40 5.9% 30.4% $18

Getting Around

Ubud, Bali

$11 0.9%

Pampanga

$15 2.2% 29.9% $3.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $247 in Pampanga. Housing cost is often the main lever when comparing two cities.

Pampanga pays 77% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $16 in Pampanga for a mid-range dinner for two. Groceries echo the gap at $288 vs $143 per month, with Pampanga cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Pampanga

🕒 Local time

15:32 3:32 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

15,616

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.93 EUR

100 PHP = 1.56 USD

100 PHP = 1.4 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 October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,291 IDR (100,000 IDR = 4.93 EUR).

Philippine Peso exchange rates as of October 29, 2026: 1 USD = 63.99 PHP (100 PHP = 1.56 USD). 1 EUR = 71.41 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Pampanga 2,080 km ≈ 3 h nonstop flight

From you

Ubud, Bali
Pampanga

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 Pampanga: Cost of Living - Frequently Asked Questions

Pampanga wins on cost – living expenses run 49% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Pampanga the obvious pick if budget is a priority.

On paper, salaries run 43% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,125 in Ubud, Bali versus $247 in Pampanga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $129 in Pampanga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 101% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $682 in Pampanga versus $1,349 in Ubud, Bali, a $800 budget is realistic in Pampanga but tight or insufficient in Ubud, Bali. The gap between the two cities makes Pampanga 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.