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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $663 in Pampanga.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,114 in Pampanga.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,566 in Pampanga.

Living in Ubud, Bali is roughly 117% more expensive than Pampanga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Pampanga is 50% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$3.15 ₱194

13.33%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$17.78 ₱1,097

83.24%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$3.14 ₱193

61.46%

Cappuccino

$2.83 Rp 49.0K

$2.71 ₱167

4.43%

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

$1.34 Rp 23.2K

$0.43 ₱26.30

211.63%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.38 ₱23.64

81.58%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.19 ₱73.6

151.26%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.34 ₱144

64.53%

Milk (1 liter)

$1.74 Rp 30.2K

$1.44 ₱88.9

20.83%

White Bread (500g)

$2.54 Rp 44.0K

$1.14 ₱70.2

122.81%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.85 ₱52.3

40.00%

Eggs

$2.43 Rp 42.0K

$1.45 ₱89.5

67.59%

Local Cheese (1kg)

$14.66 Rp 254.1K

$4.34 ₱268

237.79%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$2.94 ₱181

42.18%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$7.10 ₱438

68.17%

Apples (1kg)

$3.69 Rp 63.9K

$2.16 ₱134

70.83%

Banana (1kg)

$1.61 Rp 27.8K

$1.09 ₱67.2

47.71%

Oranges (1kg)

$2.69 Rp 46.5K

$2.31 ₱143

16.45%

Tomato (1kg)

$2.33 Rp 40.4K

$0.92 ₱56.9

153.26%

Potato (1kg)

$1.91 Rp 33.0K

$1.69 ₱105

13.02%

Onion (1kg)

$2.19 Rp 37.9K

$1.79 ₱110

22.35%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.96 ₱59.2

10.42%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.61 ₱37.56

18.03%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$2.18 ₱135

43.58%

Wine (Bottle)

$23.49 Rp 407.1K

$6.24 ₱385

276.44%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$0.78 ₱48.39

251.28%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$1.39 ₱86.0

107.19%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.29 ₱17.92

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$11.52 ₱711

-29.08%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.77 ₱47.20

-41.56%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.29 ₱18.00

44.83%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$2.07 ₱128

197.58%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.16 ₱71.5

-27.59%

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

$26.2K Rp 454.9M

$17.8K ₱1.1M

47.85%

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

$32.5K Rp 562.9M

$17.9K ₱1.1M

81.89%

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

$78.4 Rp 1.4M

$129 ₱7,980

-39.39%

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

$3.95 Rp 68.5K

$26.24 ₱1,618

-84.95%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$26.33 ₱1,624

-7.33%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$50.6 ₱3,121

90.79%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$4.36 ₱269

45.64%

Cinema Ticket

$4.04 Rp 70.0K

$4.34 ₱268

-6.91%

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

$303 Rp 5.2M

$126 ₱7,800

139.31%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$1,792 ₱110.5K

264.04%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$29.11 ₱1,796

84.95%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$26.13 ₱1,612

45.35%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$60.4 ₱3,726

43.64%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$42.61 ₱2,628

85.07%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$153 ₱9,407

563.66%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$95.8 ₱5,910

603.95%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$595 ₱36.7K

469.30%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$414 ₱25.5K

407.22%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$2,387 ₱147.2K

25.05%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$1,321 ₱81.5K

77.14%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$299 ₱18.5K

-42.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.17

115.24%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Pampanga: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $153 in Pampanga. Housing cost is often the main lever when comparing two cities.

Pampanga pays 73% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $18.00 in Pampanga for a mid-range dinner for two. Groceries echo the gap at $298 vs $154 per month, with Pampanga 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 Pampanga: Cost of Living - Frequently Asked Questions

Pampanga wins on cost – living expenses run 117% 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, Pampanga earns 73% less. 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: $1,012 in Ubud, Bali versus $153 in Pampanga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $303 in Ubud, Bali versus $126 in Pampanga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 93% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $663 in Pampanga versus $1,438 in Ubud, Bali, a $1,000 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 work as nomad bases, but Pampanga delivers better value – similar infrastructure at $663 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Pampanga hard to pass up.

Safety-wise, Ubud, Bali and Pampanga 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 Pampanga gentler on the wallet – expenses run 117% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.