Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Philipsburg

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,094 in Philipsburg, rent and utilities included – about $20,900 less a year. Rent and utilities account for most of the difference.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Philipsburg

🇸🇽 Sint Maarten

$3,094

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $3,094 in Philipsburg.

Ubud, Bali $1,349
Philipsburg $3,094

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $6,080 in Philipsburg.

Ubud, Bali $2,305
Philipsburg $6,080

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $9,066 in Philipsburg.

Ubud, Bali $3,261
Philipsburg $9,066

Living in Ubud, Bali costs roughly 56% less than in Philipsburg, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$15.29 ANG 27.37

-78.29%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$68.7 ANG 123

-48.14%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$8.01 ANG 14.34

-30.96%

Cappuccino

$2.72 Rp 49.3K

$4.43 ANG 7.93

-38.60%

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

$1.70 Rp 30.9K

$2.86 ANG 5.13

-40.56%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$4.07 ANG 7.29

-81.33%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.94 ANG 5.26

-9.86%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$6.65 ANG 11.90

-34.14%

Milk (1 liter)

$1.49 Rp 27.0K

$3.02 ANG 5.41

-50.66%

White Bread (500g)

$2.28 Rp 41.3K

$2.73 ANG 4.89

-16.48%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.46 ANG 4.40

-51.63%

Eggs

$2.04 Rp 36.9K

$6.46 ANG 11.56

-68.42%

Local Cheese (1kg)

$17.70 Rp 321.1K

$18.14 ANG 32.47

-2.43%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$13.75 ANG 24.61

-71.20%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$15.14 ANG 27.10

-19.48%

Apples (1kg)

$3.66 Rp 66.3K

$5.09 ANG 9.11

-28.09%

Banana (1kg)

$1.52 Rp 27.5K

$5.07 ANG 9.07

-70.02%

Oranges (1kg)

$2.23 Rp 40.4K

$8.79 ANG 15.73

-74.63%

Tomato (1kg)

$1.97 Rp 35.8K

$7.70 ANG 13.78

-74.42%

Potato (1kg)

$1.85 Rp 33.5K

$3.94 ANG 7.04

-53.05%

Onion (1kg)

$2.42 Rp 44.0K

$4.06 ANG 7.27

-40.39%

Lettuce (1 head)

$0.99 Rp 18.0K

$4.95 ANG 8.86

-80.00%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.36 ANG 2.44

-62.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$7.88 ANG 14.11

-71.83%

Wine (Bottle)

$22.24 Rp 403.4K

$10.95 ANG 19.61

103.11%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$4.98 ANG 8.91

-54.62%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$2.32 ANG 4.15

-89.22%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$1.53 ANG 2.74

411.11%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$14.87 ANG 26.61

-97.04%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$0.82 Rp 15.0K

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

$23.8K Rp 432.4M

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

$31.7K Rp 575.9M

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

$79.1 Rp 1.4M

$153 ANG 273

-48.18%

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

$6.45 Rp 116.9K

$32.43 ANG 58.1

-80.11%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$65.0 ANG 116

-71.43%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$63.6 ANG 114

-22.24%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$11.02 ANG 19.72

-61.25%

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

$491 Rp 8.9M

$253 ANG 452

94.20%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$12.2K ANG 21.9K

-53.59%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

Men's Leather Business Shoes

$79.4 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$2,126 ANG 3,805

-47.09%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,983 ANG 3,550

-66.15%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$6,627 ANG 11.9K

-46.21%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$6,545 ANG 11.7K

-73.67%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,111 ANG 1,988

-85.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

175.60%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Philipsburg: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Philipsburg

–

Groceries & Markets

Ubud, Bali

$288 21.4%

Philipsburg

–

Eating Out

Ubud, Bali

$108 8%

Philipsburg

–

Clothing & Footwear

Ubud, Bali

$108 8%

Philipsburg

–

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Philipsburg

–

Sport & Entertainment

Ubud, Bali

$58 4.3%

Philipsburg

–

Getting Around

Ubud, Bali

$11 0.9%

Philipsburg

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $2,126 in Philipsburg. Housing cost is often the main lever when comparing two cities.

Philipsburg pays about 6.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $69 in Philipsburg for a mid-range dinner for two. Groceries echo the gap at $288 vs $494 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇸🇽 Philipsburg

🕒 Local time

21:53 9:53 PM

09:53 9:53 AM

12 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,900 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Netherlands Antillean Guilder ANG ƒ

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 ANG = 0.559 USD

1 ANG = 0.501 EUR

Exchange rates and currency converter

ANG, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

Netherlands Antillean Guilder exchange rates as of November 2, 2026: 1 USD = 1.79 ANG (1 ANG = 0.559 USD). 1 EUR = 2 ANG (1 ANG = 0.501 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Philipsburg 18,940 km ≈ 24 h nonstop flight

From you

Ubud, Bali
Philipsburg

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 Philipsburg: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 56% lower than in Philipsburg. 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 85% 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 $2,126 in Philipsburg. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 71% higher in Philipsburg. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $69 in Philipsburg. If you eat out regularly, this makes a real dent in your monthly spending.

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.

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