Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Panama

Name: Panama
Address: PA

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $1,604 in Panama, rent and utilities included – about $3,100 less a year. Other living expenses account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
77

Cost of Living Index in Panama
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Panama Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

🇵🇦 Panama

$1,604

/mo nomad

🙂 Solo nomad: Ubud, Bali is 31.4% cheaper than Panama without rent, and 16% cheaper with rent.

🙂 Family of 3: Ubud, Bali is 25% cheaper than Panama without rent, and 0.8% cheaper with rent.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$7.86 PAB 7.86

-57.63%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$44.75 PAB 44.75

-20.85%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$7.89 PAB 7.89

-27.00%

Cappuccino

$2.63 Rp 47.0K

$3.84 PAB 3.84

-31.51%

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

$1.74 Rp 31.0K

$1.59 PAB 1.59

9.43%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.41 PAB 1.41

-45.39%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$2.19 PAB 2.19

23.74%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$4.04 PAB 4.04

11.88%

Milk (1 liter)

$1.53 Rp 27.4K

$1.85 PAB 1.85

-17.30%

White Bread (500g)

$2.20 Rp 39.2K

$2.32 PAB 2.32

-5.17%

Rice (white) (1kg)

$1.22 Rp 21.8K

$2.99 PAB 2.99

-59.20%

Eggs

$2.14 Rp 38.2K

$2.48 PAB 2.48

-13.71%

Local Cheese (1kg)

$17.73 Rp 316.9K

$12.28 PAB 12.28

44.38%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$6.94 PAB 6.94

-44.38%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$10.11 PAB 10.11

18.99%

Apples (1kg)

$3.61 Rp 64.5K

$4.18 PAB 4.18

-13.64%

Banana (1kg)

$1.51 Rp 27.1K

$1.48 PAB 1.48

2.03%

Oranges (1kg)

$2.32 Rp 41.4K

$3.65 PAB 3.65

-36.44%

Tomato (1kg)

$2.00 Rp 35.8K

$3.73 PAB 3.73

-46.38%

Potato (1kg)

$1.81 Rp 32.4K

$2.50 PAB 2.50

-27.60%

Onion (1kg)

$2.39 Rp 42.7K

$3.29 PAB 3.29

-27.36%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.34 PAB 2.34

-57.69%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$1.57 PAB 1.57

-66.88%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$6.08 PAB 6.08

-64.14%

Wine (Bottle)

$22.98 Rp 410.7K

$9.88 PAB 9.88

132.59%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$1.39 PAB 1.39

72.66%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$2.42 PAB 2.42

23.97%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$0.43 PAB 0.43

-44.19%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$20.96 PAB 20.96

-66.65%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$2.43 PAB 2.43

-81.89%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.82 PAB 1.82

-76.92%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$21.79 PAB 21.79

-74.99%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.18 PAB 1.18

-28.81%

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

$24.3K Rp 434.8M

$21.5K PAB 21.5K

13.19%

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

$31.9K Rp 570.0M

$22.2K PAB 22.2K

43.68%

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

$80.8 Rp 1.4M

$119 PAB 119

-32.08%

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

$6.58 Rp 117.6K

$27.03 PAB 27.03

-75.66%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$47.70 PAB 47.70

-61.76%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$48.94 PAB 48.94

12.65%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$30.16 PAB 30.16

-38.63%

Cinema Ticket

$4.24 Rp 75.9K

$7.84 PAB 7.84

-45.92%

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

$486 Rp 8.7M

$536 PAB 536

-9.33%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$8,069 PAB 8,069

-29.66%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$53.5 PAB 53.5

-15.54%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$42.77 PAB 42.77

-19.17%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$87.4 PAB 87.4

-9.43%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$103 PAB 103

-24.90%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$944 PAB 944

19.31%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$697 PAB 697

-3.22%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$1,728 PAB 1,728

109.44%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$1,262 PAB 1,262

37.40%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$2,941 PAB 2,941

-3.83%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,673 PAB 1,673

37.87%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$826 PAB 826

-79.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.37

116.33%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Panama: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Panama

$697 44% 3.3% $22

Groceries & Markets

Ubud, Bali

$290 21.4%

Panama

$302 19.1% 4.2% $12

Eating Out

Ubud, Bali

$108 8%

Panama

$164 10.3% 51.4% $56

Clothing & Footwear

Ubud, Bali

$106 7.8%

Panama

$129 8.2% 21.3% $23

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Panama

$194 12.2% 83.4% $88

Sport & Entertainment

Ubud, Bali

$64 4.7%

Panama

$65 4.1% 1.6% $1

Getting Around

Ubud, Bali

$11 0.8%

Panama

$34 2.2% 226% $24

Good to know

🇮🇩 Ubud, Bali

🇵🇦 Panama

🕒 Local time

20:12 8:12 PM

07:12 7:12 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

4,098,587

💱 Currency

Indonesian Rupiah IDR Rp

Panamanian Balboa PAB B/.

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1 PAB = 1 USD

1 PAB = 0.892 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 October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Panamanian Balboa exchange rates as of October 10, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.12 PAB (1 PAB = 0.892 EUR).

USD to IDR in detail →

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