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: $1,394 in Ubud, Bali versus $653 in Pampanga.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,093 in Pampanga.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $1,533 in Pampanga.

Living in Ubud, Bali is roughly 113% more expensive than Pampanga, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Pampanga is 51% below.

Meal at Budget Restaurant

$3.40 Rp 60.2K

$3.05 ₱184

11.48%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 573.6K

$17.48 ₱1,053

85.24%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 88.6K

$3.12 ₱188

60.26%

Cappuccino

$2.82 Rp 50.0K

$2.73 ₱164

3.30%

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

$1.38 Rp 24.4K

$0.40 ₱23.91

245.00%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.36 ₱21.44

102.78%

Local Beer (0.5 liter draught)

$2.98 Rp 52.8K

$1.14 ₱68.4

161.40%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.3K

$2.44 ₱147

62.70%

Milk (1 liter)

$1.79 Rp 31.8K

$1.49 ₱89.8

20.13%

White Bread (500g)

$2.46 Rp 43.7K

$1.08 ₱65.2

127.78%

Rice (white) (1kg)

$1.20 Rp 21.2K

$0.90 ₱54.5

33.33%

Eggs

$2.39 Rp 42.3K

$1.50 ₱90.0

59.33%

Local Cheese (1kg)

$14.40 Rp 255.1K

$4.55 ₱274

216.48%

Chicken Fillets (1kg)

$4.28 Rp 75.9K

$2.98 ₱180

43.62%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

$7.18 ₱432

64.62%

Apples (1kg)

$3.78 Rp 67.0K

$2.11 ₱127

79.15%

Banana (1kg)

$1.63 Rp 28.9K

$1.04 ₱62.5

56.73%

Oranges (1kg)

$2.80 Rp 49.6K

$2.34 ₱141

19.66%

Tomato (1kg)

$2.26 Rp 40.0K

$0.92 ₱55.6

145.65%

Potato (1kg)

$2.00 Rp 35.3K

$1.64 ₱99.1

21.95%

Onion (1kg)

$2.21 Rp 39.2K

$1.75 ₱105

26.29%

Lettuce (1 head)

$1.07 Rp 18.9K

$0.97 ₱58.4

10.31%

Water (1.5 liter bottle)

$0.76 Rp 13.5K

$0.62 ₱37.51

22.58%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.4K

$2.08 ₱125

50.48%

Wine (Bottle)

$23.81 Rp 421.9K

$6.28 ₱378

279.14%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.3K

$0.79 ₱47.31

259.49%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.2K

$1.38 ₱83.1

101.45%

One-way Ticket (Public Transport)

$0.27 Rp 4,726

$0.29 ₱17.53

-6.90%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 148.2K

$11.38 ₱685

-26.45%

Taxi Start (Normal Tariff)

$0.45 Rp 8,034

$0.84 ₱50.3

-46.43%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,578

$0.29 ₱17.49

48.28%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 105.9K

$2.11 ₱127

183.41%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.14 ₱68.7

-29.82%

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

$25.8K Rp 457.2M

$18.1K ₱1.1M

42.76%

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

$31.8K Rp 563.4M

$17.4K ₱1.0M

83.17%

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

$80.7 Rp 1.4M

$131 ₱7,870

-38.22%

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

$4.14 Rp 73.3K

$26.60 ₱1,602

-84.44%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 427.2K

$26.17 ₱1,576

-7.83%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$51.6 ₱3,108

89.44%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 117.7K

$4.46 ₱269

48.88%

Cinema Ticket

$4.04 Rp 71.5K

$4.37 ₱263

-7.55%

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

$297 Rp 5.3M

$122 ₱7,365

142.91%

International Primary School, 1 Child (Yearly)

$6,590 Rp 116.7M

$1,766 ₱106.4K

273.12%

Jeans (Levis 501 Or Similar)

$55.1 Rp 976.8K

$28.70 ₱1,729

92.13%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 682.1K

$26.55 ₱1,599

45.05%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$59.1 ₱3,559

45.76%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$42.61 ₱2,566

82.94%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.5M

$149 ₱8,983

560.56%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$97.4 ₱5,866

582.46%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.0M

$596 ₱35.9K

478.44%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.2M

$415 ₱25.0K

391.56%

Buy Apartment in City Center (m2)

$2,829 Rp 50.1M

$2,487 ₱149.8K

13.76%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.4M

$998 ₱60.1K

128.76%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$300 ₱18.1K

-43.68%

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: June 14, 2026

Last update for Pampanga: June 16, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $149 in Pampanga. Housing cost is often the main lever when comparing two cities.

Pampanga pays 78% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $17.00 in Pampanga for a mid-range dinner for two. Groceries echo the gap at $299 vs $155 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 113% 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 78% 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: $985 in Ubud, Bali versus $149 in Pampanga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $122 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 $653 in Pampanga versus $1,394 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 $653 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 113% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.