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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $425 in Panaji.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $677 in Panaji.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $929 in Panaji.

Living in Ubud, Bali is roughly 222% more expensive than in Panaji, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Panaji is 69% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$2.68 ₹257

28.36%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$15.63 ₹1,500

132.31%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$3.70 ₹355

54.32%

Cappuccino

$2.67 Rp 47.3K

$1.68 ₹161

58.93%

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

$1.75 Rp 31.0K

$0.46 ₹43.73

280.43%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.17 ₹16.58

411.76%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.02 ₹97.8

189.22%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$1.80 ₹172

151.11%

Milk (1 liter)

$1.62 Rp 28.7K

$0.69 ₹66.6

134.78%

White Bread (500g)

$2.33 Rp 41.3K

$0.46 ₹44.04

406.52%

Rice (white) (1kg)

$1.11 Rp 19.6K

$0.74 ₹71.0

50.00%

Eggs

$2.20 Rp 39.0K

$0.87 ₹83.8

152.87%

Local Cheese (1kg)

$17.69 Rp 313.3K

$5.49 ₹527

222.22%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$3.44 ₹330

19.19%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

Apples (1kg)

$3.71 Rp 65.6K

$2.36 ₹227

57.20%

Banana (1kg)

$1.59 Rp 28.1K

$0.81 ₹77.5

96.30%

Oranges (1kg)

$2.28 Rp 40.4K

$1.30 ₹125

75.38%

Tomato (1kg)

$1.95 Rp 34.6K

$0.41 ₹39.72

375.61%

Potato (1kg)

$1.91 Rp 33.7K

$0.40 ₹38.25

377.50%

Onion (1kg)

$2.33 Rp 41.3K

$0.45 ₹42.94

417.78%

Lettuce (1 head)

$1.01 Rp 17.8K

$0.85 ₹81.4

18.82%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.37 ₹35.10

48.65%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.83 ₹367

-41.78%

Wine (Bottle)

$23.07 Rp 408.6K

$7.32 ₹702

215.16%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$0.74 ₹71.4

227.03%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$3.16 ₹303

-5.06%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.51 ₹433

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.15 ₹14.27

80.00%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$6.19 ₹594

45.07%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.30 ₹28.33

60.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.53 ₹51.2

-18.87%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$2.06 ₹197

173.79%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.04 ₹99.7

-23.08%

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

$24.9K Rp 441.7M

$16.5K ₹1.6M

51.16%

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

$31.7K Rp 561.5M

$25.1K ₹2.4M

26.29%

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

$81.5 Rp 1.4M

$20.75 ₹1,990

292.58%

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

$6.49 Rp 115.0K

$3.48 ₹333

86.49%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$8.37 ₹803

124.25%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$30.62 ₹2,938

85.73%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$3.04 ₹292

516.12%

Cinema Ticket

$4.54 Rp 80.4K

$2.91 ₹279

56.01%

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

$481 Rp 8.5M

$55.1 ₹5,288

772.04%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$1,434 ₹137.6K

298.24%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$37.11 ₹3,561

22.66%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$25.61 ₹2,457

40.10%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$20.64 ₹1,980

289.49%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$15.70 ₹1,506

401.08%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$174 ₹16.7K

539.07%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$130 ₹12.5K

436.08%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$354 ₹33.9K

928.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$262 ₹25.1K

563.47%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$911 ₹87.4K

205.49%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$695 ₹66.6K

229.66%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$185 ₹17.7K

-9.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

9.74

41.48%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Panaji: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $174 in Panaji. Housing cost is often the main lever when comparing two cities.

Panaji pays 10% 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 Panaji for a mid-range dinner for two. Groceries echo the gap at $295 vs $110 per month, with Panaji 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 Panaji: Cost of Living - Frequently Asked Questions

Panaji is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 222% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 10% lower in Panaji. 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: $1,115 in Ubud, Bali versus $174 in Panaji. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $481 in Ubud, Bali versus $55.1 in Panaji. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 168% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $425 in Panaji versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Panaji but tight or insufficient in Ubud, Bali. The gap between the two cities makes Panaji the clear choice for anyone on this budget.

For families, Panaji is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Panaji 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 Panaji gentler on the wallet – expenses run 222% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.