Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Panama City

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,972 in Panama City, rent and utilities included – about $7,700 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
95

Cost of Living Index in Panama City
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Panama City Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Panama City

🇵🇦 Panama

$1,972

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $1,972 in Panama City, rent included.

Ubud, Bali $1,331
Panama City $1,972

A couple spends around $2,255 per month in Ubud, Bali vs $2,930 in Panama City, rent included.

Ubud, Bali $2,255
Panama City $2,930

A family of three spends $3,180 per month in Ubud, Bali vs $3,888 in Panama City, rent included.

Ubud, Bali $3,180
Panama City $3,888

Ubud, Bali is about 33% cheaper than Panama City, and outside of rent the biggest gap is in eating out.

Ubud, Bali sits 2% below the global median, while Panama City is 46% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.38 Rp 61.1K

$11.37 PAB 11.37

-70.27%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 627.3K

$46.69 PAB 46.69

-25.79%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.9K

$7.98 PAB 7.98

-30.20%

Cappuccino

$2.62 Rp 47.4K

$4.12 PAB 4.12

-36.41%

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

$1.54 Rp 27.9K

$2.01 PAB 2.01

-23.38%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.57 PAB 1.57

-59.24%

Local Beer (0.5 liter draught)

$2.67 Rp 48.3K

$3.28 PAB 3.28

-18.60%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.2K

$3.88 PAB 3.88

9.79%

Milk (1 liter)

$1.46 Rp 26.5K

$1.82 PAB 1.82

-19.78%

White Bread (500g)

$2.29 Rp 41.5K

$2.61 PAB 2.61

-12.26%

Rice (white) (1kg)

$1.11 Rp 20.0K

$3.45 PAB 3.45

-67.83%

Eggs

$2.10 Rp 38.0K

$2.68 PAB 2.68

-21.64%

Local Cheese (1kg)

$15.94 Rp 288.6K

$12.42 PAB 12.42

28.34%

Chicken Fillets (1kg)

$3.88 Rp 70.3K

$6.73 PAB 6.73

-42.35%

Beef Round Steak (1kg)

$11.40 Rp 206.4K

$10.44 PAB 10.44

9.20%

Apples (1kg)

$3.55 Rp 64.3K

$4.21 PAB 4.21

-15.68%

Banana (1kg)

$1.54 Rp 27.8K

$1.95 PAB 1.95

-21.03%

Oranges (1kg)

$2.23 Rp 40.4K

$4.07 PAB 4.07

-45.21%

Tomato (1kg)

$1.97 Rp 35.7K

$4.02 PAB 4.02

-51.00%

Potato (1kg)

$1.86 Rp 33.6K

$3.46 PAB 3.46

-46.24%

Onion (1kg)

$2.42 Rp 43.8K

$4.42 PAB 4.42

-45.25%

Lettuce (1 head)

$1.02 Rp 18.6K

$2.43 PAB 2.43

-58.02%

Water (1.5 liter bottle)

$0.52 Rp 9,456

$1.72 PAB 1.72

-69.77%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.8K

$6.04 PAB 6.04

-63.58%

Wine (Bottle)

$21.79 Rp 394.4K

$11.68 PAB 11.68

86.56%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.1K

$1.41 PAB 1.41

65.25%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.74 PAB 2.74

8.39%

One-way Ticket (Public Transport)

$0.25 Rp 4,533

$0.33 PAB 0.33

-24.24%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.0K

$20.65 PAB 20.65

-60.44%

Taxi Start (Normal Tariff)

$0.44 Rp 7,925

$2.45 PAB 2.45

-82.04%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,472

$1.76 PAB 1.76

-73.30%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.4K

$21.86 PAB 21.86

-74.38%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.20 PAB 1.20

-30.83%

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

$24.4K Rp 442.6M

$24.6K PAB 24.6K

-0.42%

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

$31.7K Rp 573.8M

$20.9K PAB 20.9K

51.73%

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

$77.5 Rp 1.4M

$132 PAB 132

-41.20%

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

$6.14 Rp 111.2K

$27.89 PAB 27.89

-77.98%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 342.4K

$49.10 PAB 49.10

-61.47%

Gym Membership (Monthly)

$51.0 Rp 923.1K

$44.53 PAB 44.53

14.51%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

$34.01 PAB 34.01

-46.34%

Cinema Ticket

$4.38 Rp 79.3K

$8.70 PAB 8.70

-49.66%

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

$492 Rp 8.9M

$537 PAB 537

-8.26%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.2M

$20.5K PAB 20.5K

-40.44%

Jeans (Levis 501 Or Similar)

$45.16 Rp 817.6K

$65.8 PAB 65.8

-31.37%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 631.6K

$48.45 PAB 48.45

-27.99%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$95.4 PAB 95.4

-17.91%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$114 PAB 114

-31.44%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$1,405 PAB 1,405

-23.30%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$994 PAB 994

-33.12%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.5M

$2,221 PAB 2,221

58.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$1,714 PAB 1,714

-2.49%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$3,139 PAB 3,139

-25.45%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

$1,724 PAB 1,724

29.73%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$936 PAB 936

-82.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.39

115.65%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Panama City: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Panama City

$994 50.4% 49.5% $329

Groceries & Markets

Ubud, Bali

$279 21%

Panama City

$326 16.5% 16.5% $46

Clothing & Footwear

Ubud, Bali

$106 8%

Panama City

$145 7.4% 36.8% $39

Eating Out

Ubud, Bali

$106 8%

Panama City

$203 10.3% 91.9% $97

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Panama City

$209 10.6% 104% $106

Sport & Entertainment

Ubud, Bali

$60 4.5%

Panama City

$62 3.1% 3.6% $2.2

Getting Around

Ubud, Bali

$12 0.9%

Panama City

$33 1.7% 178% $21

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $1,405 in Panama City. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Panama City are about 5.6 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35 in Ubud, Bali versus $47 in Panama City. Monthly groceries follow the same trend: $279 vs $326 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇦 Panama City

🕒 Local time

03:12 3:12 AM

14:12 2:12 PM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,086,990 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Panamanian Balboa PAB B/.

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 EUR

1 PAB = 1 USD

1 PAB = 0.89 EUR

Exchange rates and currency converter

PAB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,331 IDR (100,000 IDR = 4.92 EUR).

Panamanian Balboa exchange rates as of November 6, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.89 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Panama City 18,390 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Panama City

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: Cost of Living - Frequently Asked Questions

Yes – Panama City is pricier by about 48%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $2,958 in Panama City. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments: a one-bedroom in the center costs $1,078 there versus $1,405 in Panama City.

Groceries cost about 17% more in Panama City, though the gap depends on what you buy.

A mid-range dinner for two costs $35 in Ubud, Bali and $47 in Panama City. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,331 in Ubud, Bali and $1,972 in Panama City. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Panama City makes more sense. Both are solid long-term options with distinct trade-offs.