Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Panglao

For one person, living is cheaper in Panglao: $795 a month against $1,331 in Ubud, Bali, rent and utilities included – about $6,400 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
38

Cost of Living Index in Panglao
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Panglao Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Panglao

🇵🇭 Philippines

$795

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $795 in Panglao, rent included.

Ubud, Bali $1,331
Panglao $795

A couple spends around $2,255 per month in Ubud, Bali vs $1,113 in Panglao, rent included.

Ubud, Bali $2,255
Panglao $1,113

A family of three spends $3,180 per month in Ubud, Bali vs $1,431 in Panglao, rent included.

Ubud, Bali $3,180
Panglao $1,431

Ubud, Bali costs about 67% more than Panglao, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Panglao are more affordable than the global median – Ubud, Bali 2% lower, Panglao 41% lower.

Meal at Budget Restaurant

$3.38 Rp 61.1K

$3.89 ₱245

-13.11%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 627.3K

$23.45 ₱1,477

47.76%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.9K

$3.93 ₱248

41.73%

Cappuccino

$2.62 Rp 47.4K

$2.14 ₱135

22.43%

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

$1.54 Rp 27.9K

$0.69 ₱43.45

123.19%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.47 ₱29.59

36.17%

Local Beer (0.5 liter draught)

$2.67 Rp 48.3K

$1.54 ₱96.8

73.38%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.2K

$1.84 ₱116

131.52%

Milk (1 liter)

$1.46 Rp 26.5K

$1.58 ₱99.4

-7.59%

White Bread (500g)

$2.29 Rp 41.5K

$1.09 ₱68.8

110.09%

Rice (white) (1kg)

$1.11 Rp 20.0K

$0.92 ₱58.0

20.65%

Eggs

$2.10 Rp 38.0K

$1.69 ₱106

24.26%

Local Cheese (1kg)

$15.94 Rp 288.6K

$4.73 ₱298

237.00%

Chicken Fillets (1kg)

$3.88 Rp 70.3K

$4.52 ₱285

-14.16%

Beef Round Steak (1kg)

$11.40 Rp 206.4K

$7.65 ₱482

49.02%

Apples (1kg)

$3.55 Rp 64.3K

$1.90 ₱120

86.84%

Banana (1kg)

$1.54 Rp 27.8K

$1.31 ₱82.7

17.56%

Oranges (1kg)

$2.23 Rp 40.4K

$1.94 ₱122

14.95%

Tomato (1kg)

$1.97 Rp 35.7K

$1.49 ₱94.0

32.21%

Potato (1kg)

$1.86 Rp 33.6K

$2.30 ₱145

-19.13%

Onion (1kg)

$2.42 Rp 43.8K

$1.89 ₱119

28.04%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.07 ₱67.3

-4.67%

Water (1.5 liter bottle)

$0.52 Rp 9,456

$0.46 ₱28.66

13.04%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.8K

$2.89 ₱182

-23.88%

Wine (Bottle)

$21.79 Rp 394.4K

$5.73 ₱361

280.28%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.1K

$0.80 ₱50.1

191.25%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.55 ₱97.4

91.61%

One-way Ticket (Public Transport)

$0.25 Rp 4,533

$0.22 ₱13.79

13.64%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.0K

$12.47 ₱786

-34.48%

Taxi Start (Normal Tariff)

$0.44 Rp 7,925

$0.74 ₱46.41

-40.54%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,472

$0.22 ₱13.88

113.64%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.4K

$1.85 ₱117

202.70%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.94 ₱59.2

-11.70%

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

$24.4K Rp 442.6M

$21.1K ₱1.3M

16.11%

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

$31.7K Rp 573.8M

$19.1K ₱1.2M

65.65%

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

$77.5 Rp 1.4M

$58.2 ₱3,667

33.06%

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

$6.14 Rp 111.2K

$6.53 ₱411

-5.97%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 342.4K

$23.87 ₱1,503

-20.74%

Gym Membership (Monthly)

$51.0 Rp 923.1K

$20.83 ₱1,312

144.79%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

$5.16 ₱325

253.68%

Cinema Ticket

$4.38 Rp 79.3K

$3.92 ₱247

11.73%

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

$492 Rp 8.9M

$132 ₱8,319

272.79%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.2M

$7,973 ₱502.2K

53.28%

Jeans (Levis 501 Or Similar)

$45.16 Rp 817.6K

$32.20 ₱2,028

40.25%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 631.6K

$19.54 ₱1,231

78.56%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$66.0 ₱4,156

18.70%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$46.55 ₱2,931

67.28%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$279 ₱17.6K

286.51%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$336 ₱21.2K

97.90%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.5M

$541 ₱34.1K

548.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$396 ₱25.0K

321.56%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$933 ₱58.7K

150.93%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

$1,091 ₱68.7K

105.04%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.2

91.39%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Panglao: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Panglao

$336 42.2% 49.5% $329

Groceries & Markets

Ubud, Bali

$279 21%

Panglao

$168 21.2% 39.7% $111

Clothing & Footwear

Ubud, Bali

$106 8%

Panglao

$74 9.3% 30.5% $32

Eating Out

Ubud, Bali

$106 8%

Panglao

$85 10.6% 19.9% $21

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Panglao

$89 11.1% 13.6% $14

Sport & Entertainment

Ubud, Bali

$60 4.5%

Panglao

$29 3.6% 52% $31

Getting Around

Ubud, Bali

$12 0.9%

Panglao

$15 1.9% 27.1% $3.2

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $279 in Panglao. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $35 in Ubud, Bali versus $23 in Panglao. Monthly groceries follow the same trend: $279 vs $168 – making Panglao the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Panglao

🕒 Local time

00:49 12:49 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

39,839

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, 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).

Philippine Peso exchange rates as of November 6, 2026: 1 USD = 62.98 PHP (100 PHP = 1.59 USD). 1 EUR = 70.73 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Panglao 2,220 km ≈ 3 h 15 min nonstop flight

From you

Ubud, Bali
Panglao

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 Panglao: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 67% more than Panglao, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $1,193 in Panglao. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Panglao, especially for central apartments: a one-bedroom in the center costs $279 there versus $1,078 in Ubud, Bali.

Groceries cost about 66% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $35 in Ubud, Bali and $23 in Panglao. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

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

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.