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: $1,378 in Ubud, Bali versus $695 in Pampanga.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $1,045 in Pampanga.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $1,396 in Pampanga.

Living in Ubud, Bali is roughly 98% more expensive than in Pampanga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Pampanga is 50% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$2.84 ₱178

17.25%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$15.80 ₱991

126.71%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$3.30 ₱207

70.61%

Cappuccino

$2.82 Rp 49.7K

$2.26 ₱142

24.78%

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

$1.75 Rp 30.8K

$0.58 ₱36.17

201.72%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.32 ₱20.20

150.00%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.12 ₱70.4

171.43%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$1.82 ₱114

136.26%

Milk (1 liter)

$1.61 Rp 28.3K

$1.44 ₱90.1

11.81%

White Bread (500g)

$2.27 Rp 39.9K

$1.11 ₱69.6

104.50%

Rice (white) (1kg)

$1.17 Rp 20.6K

$0.78 ₱48.91

50.00%

Eggs

$2.17 Rp 38.2K

$1.50 ₱93.9

44.67%

Local Cheese (1kg)

$17.63 Rp 310.5K

$4.02 ₱252

338.56%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$2.96 ₱185

36.82%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$6.04 ₱379

101.66%

Apples (1kg)

$3.62 Rp 63.7K

$1.93 ₱121

87.56%

Banana (1kg)

$1.64 Rp 28.8K

$0.99 ₱62.1

65.66%

Oranges (1kg)

$2.31 Rp 40.6K

$2.09 ₱131

10.53%

Tomato (1kg)

$1.96 Rp 34.5K

$1.02 ₱64.2

92.16%

Potato (1kg)

$1.84 Rp 32.5K

$1.46 ₱91.6

26.03%

Onion (1kg)

$2.37 Rp 41.7K

$1.51 ₱94.6

56.95%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.86 ₱54.0

22.09%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.55 ₱34.67

-1.82%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$1.89 ₱119

21.69%

Wine (Bottle)

$23.08 Rp 406.4K

$5.77 ₱362

300.00%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$0.70 ₱44.13

234.29%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$1.27 ₱79.4

141.73%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.25 ₱15.66

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$11.10 ₱696

-15.14%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$0.77 ₱48.51

-36.36%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.25 ₱15.69

88.00%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$1.79 ₱112

212.85%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.04 ₱64.9

-22.12%

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

$25.0K Rp 440.3M

$19.0K ₱1.2M

31.43%

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

$31.1K Rp 547.0M

$17.6K ₱1.1M

76.57%

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

$82.7 Rp 1.5M

$133 ₱8,331

-37.76%

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

$6.49 Rp 114.2K

$14.85 ₱931

-56.30%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$29.01 ₱1,819

-35.23%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$29.87 ₱1,873

84.93%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$5.31 ₱333

242.94%

Cinema Ticket

$4.30 Rp 75.7K

$4.70 ₱295

-8.51%

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

$494 Rp 8.7M

$133 ₱8,366

270.30%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$7,970 ₱499.6K

-25.75%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$26.26 ₱1,646

76.24%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$19.20 ₱1,204

89.79%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$70.4 ₱4,413

14.65%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$37.85 ₱2,373

108.19%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$263 ₱16.5K

322.83%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$173 ₱10.8K

300.75%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$506 ₱31.7K

618.54%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$373 ₱23.4K

358.67%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$2,561 ₱160.6K

7.77%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,052 ₱65.9K

117.98%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$299 ₱18.8K

-44.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.75

104.15%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Pampanga: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $263 in Pampanga. Housing cost is often the main lever when comparing two cities.

Pampanga pays 79% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $16.00 in Pampanga for a mid-range dinner for two. Groceries echo the gap at $294 vs $144 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 98% 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 79% lower in Pampanga. 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: $1,114 in Ubud, Bali versus $263 in Pampanga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $494 in Ubud, Bali versus $133 in Pampanga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 104% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $695 in Pampanga versus $1,378 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 $695 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 98% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.