Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Panama City, FL

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,409 in Panama City, FL, rent and utilities included – about $12,700 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
115

Cost of Living Index in Panama City, FL
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Panama City, FL Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Panama City, FL

🇺🇸 United States

$2,409

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Panama City, FL

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 Panama City, FL actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,409 in Panama City, FL.

Ubud, Bali $1,349
Panama City, FL $2,409

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,287 in Panama City, FL.

Ubud, Bali $2,305
Panama City, FL $3,287

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,165 in Panama City, FL.

Ubud, Bali $3,261
Panama City, FL $4,165

Living in Ubud, Bali costs roughly 44% less than in Panama City, FL, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$18.74 $18.74

-82.28%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$54.0 $54.0

-34.00%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$12.11 $12.11

-54.34%

Cappuccino

$2.72 Rp 49.4K

$5.60 $5.60

-51.43%

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

$1.70 Rp 30.9K

$2.89 $2.89

-41.18%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.70 $1.70

-55.29%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$5.10 $5.10

-48.04%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$7.12 $7.12

-38.48%

Milk (1 liter)

$1.49 Rp 27.1K

$0.90 $0.90

65.56%

White Bread (500g)

$2.28 Rp 41.4K

$3.46 $3.46

-34.10%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.66 $2.66

-55.26%

Eggs

$2.04 Rp 37.0K

$3.30 $3.30

-38.18%

Local Cheese (1kg)

$17.70 Rp 321.9K

$10.78 $10.78

64.19%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$11.61 $11.61

-65.89%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

$14.64 $14.64

-16.73%

Apples (1kg)

$3.66 Rp 66.5K

$4.10 $4.10

-10.73%

Banana (1kg)

$1.52 Rp 27.6K

$1.49 $1.49

2.01%

Oranges (1kg)

$2.23 Rp 40.5K

$2.73 $2.73

-18.32%

Tomato (1kg)

$1.97 Rp 35.9K

$4.30 $4.30

-54.19%

Potato (1kg)

$1.85 Rp 33.6K

$3.11 $3.11

-40.51%

Onion (1kg)

$2.42 Rp 44.1K

$2.84 $2.84

-14.79%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.09 $2.09

-52.63%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$2.22 $2.22

-77.03%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$9.31 $9.31

-76.15%

Wine (Bottle)

$22.24 Rp 404.4K

$12.15 $12.15

83.05%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.70 $1.70

32.94%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$3.86 $3.86

-23.06%

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$1.46 $1.46

-82.88%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$35.52 $35.52

-77.98%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$2.55 $2.55

-82.75%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$1.51 $1.51

-71.52%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$26.17 $26.17

-79.33%

Gasoline (1 liter)

$0.82 Rp 15.0K

$0.98 $0.98

-16.33%

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

$23.8K Rp 433.5M

$27.5K $27.5K

-13.30%

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

$31.7K Rp 577.3M

$25.9K $25.9K

22.35%

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

$79.1 Rp 1.4M

$169 $169

-53.32%

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

$6.45 Rp 117.2K

$44.38 $44.38

-85.47%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$59.5 $59.5

-68.79%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$24.35 $24.35

103.20%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

Cinema Ticket

$4.27 Rp 77.7K

$12.87 $12.87

-66.82%

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

$491 Rp 8.9M

$618 $618

-20.61%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$13.9K $13.9K

-59.04%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$48.26 $48.26

-7.50%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$40.43 $40.43

-13.55%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$84.5 $84.5

-5.40%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$95.9 $95.9

-17.15%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$921 $921

22.12%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,248 $1,248

-46.19%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,673 $1,673

113.08%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,662 $1,662

3.70%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$3,269 $3,269

-16.44%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$2,694 $2,694

-15.23%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,980 $3,980

-95.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.54

110.70%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Panama City, FL: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Panama City, FL

$1.2K 51.8% 85.8% $576

Groceries & Markets

Ubud, Bali

$288 21.4%

Panama City, FL

$354 14.7% 22.8% $66

Eating Out

Ubud, Bali

$108 8%

Panama City, FL

$312 12.9% 189% $204

Clothing & Footwear

Ubud, Bali

$108 8%

Panama City, FL

$121 5% 12.6% $14

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Panama City, FL

$273 11.3% 163% $169

Sport & Entertainment

Ubud, Bali

$58 4.3%

Panama City, FL

$50 2.1% 13.7% $7.9

Getting Around

Ubud, Bali

$11 0.9%

Panama City, FL

$51 2.1% 351% $40

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $921 in Panama City, FL. Housing cost is often the main lever when comparing two cities.

Panama City, FL pays about 24 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $54 in Panama City, FL for a mid-range dinner for two. Groceries echo the gap at $288 vs $354 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇺🇸 Panama City, FL

🕒 Local time

00:25 12:25 AM

11:25 11:25 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

36,484

💱 Currency

Indonesian Rupiah IDR Rp

United States Dollar USD $

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.93 EUR

1 USD = 0.896 EUR

Exchange rates and currency converter

USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,291 IDR (100,000 IDR = 4.93 EUR).

United States Dollar exchange rates as of October 29, 2026: 1 EUR = 1.12 USD (1 USD = 0.896 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Panama City, FL 16,770 km ≈ 21 h nonstop flight

From you

Ubud, Bali
Panama City, FL

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 Panama City, FL: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 44% lower than in Panama City, FL. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 96% 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 $921 in Panama City, FL. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $618 in Panama City, FL. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 23% higher in Panama City, FL. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Ubud, Bali wins on affordability, Panama City, FL on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.