Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Panaji

For one person, living is cheaper in Panaji: $434 a month against $1,349 in Ubud, Bali, rent and utilities included – about $11,000 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
21

Cost of Living Index in Panaji
Learn more

Panaji Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Panaji

🇮🇳 India

$434

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $434 in Panaji.

Ubud, Bali $1,349
Panaji $434

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $691 in Panaji.

Ubud, Bali $2,305
Panaji $691

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $948 in Panaji.

Ubud, Bali $3,261
Panaji $948

Living in Ubud, Bali is roughly 210% more expensive than in Panaji, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$2.60 ₹247

27.69%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$15.51 ₹1,472

129.79%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$3.75 ₹356

47.47%

Cappuccino

$2.72 Rp 49.3K

$1.70 ₹161

60.00%

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

$1.70 Rp 30.9K

$0.47 ₹44.24

261.70%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.17 ₹16.21

347.06%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.07 ₹102

147.66%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.81 ₹172

141.99%

Milk (1 liter)

$1.49 Rp 27.0K

$0.69 ₹65.1

115.94%

White Bread (500g)

$2.28 Rp 41.3K

$0.48 ₹46.02

375.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.74 ₹70.2

60.81%

Eggs

$2.04 Rp 36.9K

$0.92 ₹87.8

121.74%

Local Cheese (1kg)

$17.70 Rp 321.1K

$7.46 ₹708

137.27%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$3.50 ₹332

13.14%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

Apples (1kg)

$3.66 Rp 66.3K

$2.50 ₹238

46.40%

Banana (1kg)

$1.52 Rp 27.5K

$0.81 ₹76.8

87.65%

Oranges (1kg)

$2.23 Rp 40.4K

$1.28 ₹121

74.22%

Tomato (1kg)

$1.97 Rp 35.8K

$0.39 ₹37.30

405.13%

Potato (1kg)

$1.85 Rp 33.5K

$0.36 ₹33.72

413.89%

Onion (1kg)

$2.42 Rp 44.0K

$0.41 ₹39.23

490.24%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.86 ₹81.5

15.12%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.36 ₹34.54

41.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$3.77 ₹358

-41.11%

Wine (Bottle)

$22.24 Rp 403.4K

$7.46 ₹708

198.12%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.02 ₹97.3

121.57%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.08 ₹293

-3.57%

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

$4.33 ₹411

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.18 ₹17.46

38.89%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$6.40 ₹608

22.19%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.33 ₹31.46

33.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.55 ₹52.1

-21.82%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$2.15 ₹204

151.63%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.08 ₹103

-24.07%

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

$23.8K Rp 432.4M

$16.7K ₹1.6M

42.36%

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

$31.7K Rp 575.9M

$24.6K ₹2.3M

28.91%

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

$79.1 Rp 1.4M

$21.35 ₹2,027

270.30%

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

$6.45 Rp 116.9K

$3.56 ₹338

81.18%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$8.80 ₹835

111.14%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$27.16 ₹2,578

82.18%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$3.13 ₹298

463.90%

Cinema Ticket

$4.27 Rp 77.5K

$2.84 ₹269

50.35%

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

$491 Rp 8.9M

$54.9 ₹5,207

794.33%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$1,453 ₹138.0K

290.41%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$36.39 ₹3,455

22.67%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$25.76 ₹2,446

35.68%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$20.83 ₹1,978

283.58%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$15.65 ₹1,486

407.48%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$174 ₹16.5K

547.62%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$131 ₹12.4K

413.80%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$348 ₹33.1K

922.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$258 ₹24.5K

569.09%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$925 ₹87.8K

195.39%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$709 ₹67.3K

222.13%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$192 ₹18.3K

-14.78%

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: October 25, 2026

Last update for Panaji: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Panaji

$131 30.1% 80.5% $541

Groceries & Markets

Ubud, Bali

$288 21.4%

Panaji

$119 27.3% 58.9% $170

Eating Out

Ubud, Bali

$108 8%

Panaji

$64 14.7% 40.5% $44

Clothing & Footwear

Ubud, Bali

$108 8%

Panaji

$44 10.2% 58.7% $63

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Panaji

$34 7.8% 67.6% $70

Sport & Entertainment

Ubud, Bali

$58 4.3%

Panaji

$33 7.6% 43.4% $25

Getting Around

Ubud, Bali

$11 0.9%

Panaji

$10 2.4% 10.6% $1.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $174 in Panaji. Housing cost is often the main lever when comparing two cities.

Panaji pays 17% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $16 in Panaji for a mid-range dinner for two. Groceries echo the gap at $288 vs $119 per month, with Panaji cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Panaji

🕒 Local time

12:56 12:56 PM

10:26 10:26 AM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

114,759

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Indian Rupee exchange rates as of November 2, 2026: 1 USD = 94.94 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Panaji 5,290 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Panaji

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 Panaji: Cost of Living - Frequently Asked Questions

Panaji is about 68% cheaper overall, especially in groceries, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 15% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $174 in Panaji. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $55 in Panaji. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 143% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $434 in Panaji versus $1,349 in Ubud, Bali, a $1,000 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.

Expats usually find Panaji gentler on the wallet – expenses run 68% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.