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: $1,408 in Ubud, Bali versus $486 in Panaji.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $775 in Panaji.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $1,064 in Panaji.

Living in Ubud, Bali is roughly 189% more expensive than in Panaji, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Panaji is 64% below.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$3.59 ₹346

-3.90%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$17.54 ₹1,688

84.38%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$3.90 ₹376

24.10%

Cappuccino

$2.75 Rp 49.3K

$2.22 ₹214

23.87%

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

$1.38 Rp 24.8K

$0.46 ₹43.86

200.00%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.19 ₹18.42

294.74%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$1.18 ₹113

153.39%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$2.08 ₹200

85.10%

Milk (1 liter)

$1.74 Rp 31.1K

$0.82 ₹79.2

112.20%

White Bread (500g)

$2.46 Rp 44.1K

$0.51 ₹49.01

382.35%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.77 ₹73.7

51.95%

Eggs

$2.43 Rp 43.6K

$0.99 ₹95.5

145.45%

Local Cheese (1kg)

$14.50 Rp 260.2K

$5.94 ₹572

144.11%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$3.95 ₹380

10.13%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

Apples (1kg)

$3.72 Rp 66.7K

$2.56 ₹246

45.31%

Banana (1kg)

$1.63 Rp 29.2K

$0.89 ₹85.8

83.15%

Oranges (1kg)

$2.74 Rp 49.2K

$1.29 ₹125

112.40%

Tomato (1kg)

$2.24 Rp 40.2K

$0.66 ₹63.6

239.39%

Potato (1kg)

$1.92 Rp 34.4K

$0.45 ₹43.37

326.67%

Onion (1kg)

$2.28 Rp 40.8K

$0.49 ₹47.14

365.31%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.95 ₹91.5

11.58%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.38 ₹36.26

89.47%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$2.97 ₹286

10.77%

Wine (Bottle)

$23.19 Rp 416.1K

$7.16 ₹690

223.88%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$1.00 ₹96.2

178.00%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$3.39 ₹326

-19.47%

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

$4.75 ₹457

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.16 ₹15.57

68.75%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$7.12 ₹686

13.90%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$0.45 ₹43.79

6.67%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$1.47 ₹142

323.13%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.15 ₹111

-29.57%

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

$26.6K Rp 477.4M

$11.0K ₹1.1M

142.76%

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

$32.2K Rp 577.4M

$24.4K ₹2.3M

32.12%

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

$78.4 Rp 1.4M

$23.36 ₹2,249

235.40%

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

$4.07 Rp 73.0K

$4.26 ₹410

-4.46%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$9.45 ₹910

157.46%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$34.59 ₹3,330

185.08%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$3.46 ₹333

83.24%

Cinema Ticket

$3.99 Rp 71.5K

$3.23 ₹311

23.53%

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

$305 Rp 5.5M

$60.5 ₹5,828

403.93%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$1,625 ₹156.5K

308.71%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$41.17 ₹3,964

31.50%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$28.50 ₹2,743

32.67%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$23.46 ₹2,259

270.16%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$17.56 ₹1,690

334.79%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$191 ₹18.3K

420.41%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$148 ₹14.3K

354.30%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$390 ₹37.6K

764.87%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$282 ₹27.1K

627.40%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$896 ₹86.2K

213.05%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$695 ₹66.9K

220.30%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$186 ₹17.9K

-10.32%

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: July 11, 2026

Last update for Panaji: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $191 in Panaji. Housing cost is often the main lever when comparing two cities.

Panaji pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $18.00 in Panaji for a mid-range dinner for two. Groceries echo the gap at $297 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 189% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 12% 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: $992 in Ubud, Bali versus $191 in Panaji. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $60.5 in Panaji. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 145% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $486 in Panaji versus $1,408 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 189% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.