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

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $636 in Panajachel.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,049 in Panajachel.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $1,461 in Panajachel.

Living in Ubud, Bali is roughly 126% more expensive than Panajachel, driven mainly by Sport & Entertainment.

The two cities straddle the global median: Ubud, Bali is 7% above, Panajachel is 52% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$4.54 Q 34.67

-21.37%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$32.57 Q 249

0.03%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$6.22 Q 47.52

-18.49%

Cappuccino

$2.83 Rp 49.0K

$2.60 Q 19.85

8.85%

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

$1.34 Rp 23.2K

$1.17 Q 8.92

14.53%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.92 Q 7.04

-25.00%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$2.64 Q 20.17

13.26%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$4.54 Q 34.72

-15.20%

Milk (1 liter)

$1.74 Rp 30.2K

$2.04 Q 15.56

-14.71%

White Bread (500g)

$2.54 Rp 44.0K

$1.54 Q 11.80

64.94%

Rice (white) (1kg)

$1.19 Rp 20.6K

$2.09 Q 16.01

-43.06%

Eggs

$2.43 Rp 42.0K

$1.77 Q 13.49

37.29%

Local Cheese (1kg)

$14.66 Rp 254.1K

$7.83 Q 59.8

87.23%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$8.50 Q 65.0

-50.82%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$10.02 Q 76.6

19.16%

Apples (1kg)

$3.69 Rp 63.9K

$3.72 Q 28.39

-0.81%

Banana (1kg)

$1.61 Rp 27.8K

$1.53 Q 11.66

5.23%

Oranges (1kg)

$2.69 Rp 46.5K

$3.04 Q 23.24

-11.51%

Tomato (1kg)

$2.33 Rp 40.4K

$1.13 Q 8.62

106.19%

Potato (1kg)

$1.91 Rp 33.0K

$1.06 Q 8.10

80.19%

Onion (1kg)

$2.19 Rp 37.9K

$2.27 Q 17.37

-3.52%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.67 Q 5.14

58.21%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$1.18 Q 9.02

-38.98%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.67 Q 28.00

-14.71%

Wine (Bottle)

$23.49 Rp 407.1K

$8.37 Q 64.0

180.65%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.66 Q 12.72

65.06%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.42 Q 18.52

19.01%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$5.10 Q 38.95

-91.18%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.65 Q 4.97

-35.38%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$15.96 Q 122

-61.40%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.06 Q 8.10

-20.75%

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

$26.2K Rp 454.9M

$19.6K Q 149.6K

34.06%

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

$32.5K Rp 562.9M

$24.3K Q 185.4K

33.84%

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

$78.4 Rp 1.4M

$33.15 Q 253

136.56%

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

$3.95 Rp 68.5K

$26.83 Q 205

-85.28%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$46.95 Q 359

-48.03%

Gym Membership (Monthly)

$96.5 Rp 1.7M

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

Cinema Ticket

$4.04 Rp 70.0K

$7.11 Q 54.3

-43.18%

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

$303 Rp 5.2M

$245 Q 1,870

23.66%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$5,793 Q 44.3K

12.60%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$49.85 Q 381

8.00%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$53.4 Q 408

-28.90%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$117 Q 891

-25.60%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$121 Q 925

-34.89%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

8.9

49.21%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Panajachel: April 27, 2026

Cost Breakdown

Dining out: $33.00 in Ubud, Bali vs $33.00 in Panajachel. Groceries flip the comparison at $298 vs $247, with Panajachel cheaper for home cooking.

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 Panajachel: Cost of Living - Frequently Asked Questions

Panajachel wins on cost – living expenses run 126% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Panajachel the obvious pick if budget is a priority.

You'd need roughly $2,158 in Ubud, Bali and $955 in Panajachel 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.

Childcare runs $303 in Ubud, Bali versus $245 in Panajachel. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Panajachel – a meal for two runs $33.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $636 in Panajachel versus $1,438 in Ubud, Bali, a $1,000 budget is realistic in Panajachel but tight or insufficient in Ubud, Bali. The gap between the two cities makes Panajachel the clear choice for anyone on this budget.

Both work as nomad bases, but Panajachel delivers better value – similar infrastructure at $636 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Panajachel hard to pass up.

Safety-wise, Ubud, Bali and Panajachel 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 Panajachel gentler on the wallet – expenses run 126% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.