Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Panajachel

For one person, living is cheaper in Panajachel: $745 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,000 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Panajachel

🇬🇹 Guatemala

$745

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $745 in Panajachel.

Ubud, Bali $1,331
Panajachel $745

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,242 in Panajachel.

Ubud, Bali $2,255
Panajachel $1,242

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $1,739 in Panajachel.

Ubud, Bali $3,180
Panajachel $1,739

Living in Ubud, Bali is roughly 79% more expensive than in Panajachel, and outside of rent the biggest gap is in leisure.

Both cities sit below the global median: Ubud, Bali 2% lower, Panajachel 45% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$6.89 Q 52.6

-50.94%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.8K

$49.46 Q 378

-29.94%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$7.91 Q 60.4

-29.58%

Cappuccino

$2.62 Rp 47.5K

$3.42 Q 26.11

-23.39%

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

$1.54 Rp 27.9K

$1.16 Q 8.83

32.76%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.93 Q 7.08

-31.18%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.18 Q 24.29

-16.04%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$4.72 Q 36.01

-9.75%

Milk (1 liter)

$1.46 Rp 26.5K

$2.10 Q 16.00

-30.48%

White Bread (500g)

$2.29 Rp 41.6K

$3.08 Q 23.54

-25.65%

Rice (white) (1kg)

$1.11 Rp 20.1K

$2.13 Q 16.27

-47.89%

Eggs

$2.10 Rp 38.1K

$2.35 Q 17.92

-10.64%

Local Cheese (1kg)

$15.94 Rp 289.3K

$6.33 Q 48.32

151.82%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$9.54 Q 72.9

-59.33%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

$13.46 Q 103

-15.30%

Apples (1kg)

$3.55 Rp 64.5K

$3.78 Q 28.90

-6.08%

Banana (1kg)

$1.54 Rp 27.9K

$1.65 Q 12.63

-6.67%

Oranges (1kg)

$2.23 Rp 40.5K

$2.84 Q 21.66

-21.48%

Tomato (1kg)

$1.97 Rp 35.8K

$1.63 Q 12.45

20.86%

Potato (1kg)

$1.86 Rp 33.7K

$1.53 Q 11.70

21.57%

Onion (1kg)

$2.42 Rp 43.9K

$2.08 Q 15.89

16.35%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.68 Q 5.18

50.00%

Water (1.5 liter bottle)

$0.52 Rp 9,479

$1.17 Q 8.90

-55.56%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$4.02 Q 30.73

-45.27%

Wine (Bottle)

$21.79 Rp 395.4K

$8.24 Q 62.9

164.44%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.71 Q 13.06

36.26%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.72 Q 20.78

9.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,544

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$0.44 Rp 7,944

$5.18 Q 39.57

-91.51%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,493

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$10.60 Q 81.0

-47.17%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.34 Q 10.24

-38.06%

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

$24.4K Rp 443.7M

$27.1K Q 206.6K

-9.63%

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

$31.7K Rp 575.2M

$25.2K Q 192.7K

25.59%

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

$77.5 Rp 1.4M

$72.7 Q 555

6.63%

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

$6.14 Rp 111.5K

$29.08 Q 222

-78.89%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.3K

$45.40 Q 347

-58.33%

Gym Membership (Monthly)

$51.0 Rp 925.4K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

Cinema Ticket

$4.38 Rp 79.5K

$6.40 Q 48.84

-31.56%

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

$492 Rp 8.9M

$338 Q 2,582

45.62%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.8M

$6,571 Q 50.2K

85.99%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.6K

$49.15 Q 375

-8.12%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.2K

$47.06 Q 359

-25.86%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$115 Q 880

-32.06%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$111 Q 845

-29.64%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.62

18.59%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Panajachel: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Panajachel

–

Groceries & Markets

Ubud, Bali

$279 21%

Panajachel

–

Clothing & Footwear

Ubud, Bali

$106 8%

Panajachel

–

Eating Out

Ubud, Bali

$106 8%

Panajachel

–

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Panajachel

–

Sport & Entertainment

Ubud, Bali

$60 4.5%

Panajachel

–

Getting Around

Ubud, Bali

$12 0.9%

Panajachel

–

Cost Breakdown

Dining out: $35 in Ubud, Bali vs $49 in Panajachel for a mid-range dinner for two. Groceries echo the gap at $279 vs $281 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇬🇹 Panajachel

🕒 Local time

17:23 5:23 PM

03:23 3:23 AM

14 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

11,142

💱 Currency

Indonesian Rupiah IDR Rp

Guatemalan Quetzal GTQ Q

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

1 GTQ = 0.131 USD

1 GTQ = 0.117 EUR

Exchange rates and currency converter

GTQ, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,345 IDR (100,000 IDR = 4.92 EUR).

Guatemalan Quetzal exchange rates as of November 4, 2026: 1 USD = 7.64 GTQ (1 GTQ = 0.131 USD). 1 EUR = 8.56 GTQ (1 GTQ = 0.117 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Panajachel 17,060 km ≈ 22 h nonstop flight

From you

Ubud, Bali
Panajachel

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 Panajachel: Cost of Living - Frequently Asked Questions

Panajachel wins on cost – living expenses run 44% 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 $1,996 in Ubud, Bali and $1,117 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.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $745 in Panajachel – Panajachel is about 44% cheaper, which adds up to real savings over time.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $49 in Panajachel. If you eat out regularly, this makes a real dent in your monthly spending.

Both work as nomad bases, but Panajachel delivers better value at $745 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Panajachel hard to pass up.