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: $1,419 in Ubud, Bali versus $474 in Panaji.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $764 in Panaji.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,055 in Panaji.

Living in Ubud, Bali is roughly 199% more expensive than Panaji, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Panaji is 65% below.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$3.47 ₹332

2.59%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$17.57 ₹1,682

86.28%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$3.87 ₹370

27.91%

Cappuccino

$2.71 Rp 48.6K

$2.13 ₹204

27.23%

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

$1.34 Rp 24.1K

$0.46 ₹43.98

191.30%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.18 ₹16.80

288.89%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$1.18 ₹113

147.46%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$2.02 ₹193

96.04%

Milk (1 liter)

$1.81 Rp 32.4K

$0.83 ₹79.3

118.07%

White Bread (500g)

$2.52 Rp 45.1K

$0.48 ₹45.82

425.00%

Rice (white) (1kg)

$1.16 Rp 20.8K

$0.78 ₹74.8

48.72%

Eggs

$2.46 Rp 44.1K

$0.99 ₹95.0

148.48%

Local Cheese (1kg)

$14.71 Rp 263.7K

$5.87 ₹561

150.60%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$3.93 ₹376

9.92%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

Apples (1kg)

$3.84 Rp 68.8K

$2.47 ₹237

55.47%

Banana (1kg)

$1.56 Rp 27.9K

$0.89 ₹85.6

75.28%

Oranges (1kg)

$2.83 Rp 50.8K

$1.35 ₹130

109.63%

Tomato (1kg)

$2.33 Rp 41.7K

$0.62 ₹59.2

275.81%

Potato (1kg)

$1.91 Rp 34.3K

$0.45 ₹43.40

324.44%

Onion (1kg)

$2.20 Rp 39.5K

$0.46 ₹43.63

378.26%

Lettuce (1 head)

$1.01 Rp 18.2K

$0.94 ₹90.2

7.45%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$0.37 ₹35.77

110.81%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$2.82 ₹270

17.73%

Wine (Bottle)

$23.74 Rp 425.5K

$7.26 ₹695

227.00%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$1.06 ₹101

163.21%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$3.44 ₹329

-16.86%

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

$4.54 ₹434

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$0.19 ₹17.95

42.11%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$7.16 ₹685

12.15%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$0.45 ₹43.30

2.22%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$1.48 ₹142

312.16%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.19 ₹113

-33.61%

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

$26.1K Rp 468.8M

$10.7K ₹1.0M

143.78%

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

$32.1K Rp 575.8M

$23.9K ₹2.3M

34.39%

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

$79.9 Rp 1.4M

$23.32 ₹2,232

242.80%

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

$4.06 Rp 72.9K

$4.25 ₹407

-4.47%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$9.63 ₹922

144.24%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$34.21 ₹3,274

188.51%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$3.46 ₹331

91.62%

Cinema Ticket

$4.15 Rp 74.3K

$3.12 ₹298

33.01%

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

$304 Rp 5.4M

$61.9 ₹5,919

391.37%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$1,611 ₹154.2K

310.52%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$40.89 ₹3,913

35.83%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$28.65 ₹2,742

33.72%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$22.90 ₹2,191

286.90%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$17.18 ₹1,644

353.26%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$197 ₹18.8K

412.00%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$145 ₹13.9K

364.37%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$389 ₹37.2K

785.02%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$284 ₹27.1K

618.95%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$906 ₹86.7K

213.71%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$688 ₹65.9K

228.84%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$189 ₹18.1K

-12.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

9.62

38.05%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Panaji: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $197 in Panaji. Housing cost is often the main lever when comparing two cities.

Panaji pays 15% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $18.00 in Panaji for a mid-range dinner for two. Groceries echo the gap at $302 vs $121 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, Clothing & Footwear, Sport & Entertainment, Eating Out, Monthly Utilities & Internet. The 199% gap adds up to real monthly savings that compound significantly over time.

On paper, Panaji earns 15% 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: $1,006 in Ubud, Bali versus $197 in Panaji. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $304 in Ubud, Bali versus $61.9 in Panaji. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 150% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $474 in Panaji versus $1,419 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 199% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.