Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and San Fernando, La Union

For one person, living is cheaper in San Fernando, La Union: $721 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,300 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
34

Cost of Living Index in San Fernando, La Union
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San Fernando, La Union Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

San Fernando, La Union

🇵🇭 Philippines

$721

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in San Fernando, La Union

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 San Fernando, La Union actually costs, broken down by who's living it.

A single person spends $1,331 per month in Ubud, Bali vs $721 in San Fernando, La Union, rent included.

Ubud, Bali $1,331
San Fernando, La Union $721

A couple spends around $2,255 per month in Ubud, Bali vs $1,102 in San Fernando, La Union, rent included.

Ubud, Bali $2,255
San Fernando, La Union $1,102

A family of three spends $3,180 per month in Ubud, Bali vs $1,484 in San Fernando, La Union, rent included.

Ubud, Bali $3,180
San Fernando, La Union $1,484

Ubud, Bali costs about 85% more than San Fernando, La Union, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and San Fernando, La Union are more affordable than the global median – Ubud, Bali 2% lower, San Fernando, La Union 47% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$3.97 ₱252

-14.86%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$16.71 ₱1,059

107.36%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$2.69 ₱171

107.06%

Cappuccino

$2.62 Rp 47.5K

$2.14 ₱136

22.43%

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

$1.54 Rp 27.9K

$0.69 ₱43.52

123.19%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.33 ₱21.16

93.94%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.19 ₱75.1

124.37%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$2.06 ₱131

106.80%

Milk (1 liter)

$1.46 Rp 26.5K

$1.65 ₱105

-11.52%

White Bread (500g)

$2.29 Rp 41.6K

$1.09 ₱69.3

110.09%

Rice (white) (1kg)

$1.11 Rp 20.1K

$0.89 ₱56.5

24.72%

Eggs

$2.10 Rp 38.1K

$1.90 ₱120

10.53%

Local Cheese (1kg)

$15.94 Rp 289.2K

$5.52 ₱350

188.77%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$4.09 ₱259

-5.13%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$7.11 ₱451

60.34%

Apples (1kg)

$3.55 Rp 64.4K

$2.39 ₱151

48.54%

Banana (1kg)

$1.54 Rp 27.9K

$1.57 ₱99.2

-1.91%

Oranges (1kg)

$2.23 Rp 40.5K

$2.33 ₱148

-4.29%

Tomato (1kg)

$1.97 Rp 35.8K

$1.17 ₱74.4

68.38%

Potato (1kg)

$1.86 Rp 33.7K

$2.06 ₱130

-9.71%

Onion (1kg)

$2.42 Rp 43.9K

$2.30 ₱146

5.22%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.08 ₱68.6

-5.56%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.53 ₱33.53

-1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.82 ₱179

-21.99%

Wine (Bottle)

$21.79 Rp 395.2K

$7.54 ₱478

188.99%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.99 ₱62.7

135.35%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.93 ₱122

53.89%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$0.22 ₱13.87

13.64%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$12.52 ₱793

-34.74%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$0.80 ₱50.9

-45.00%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.20 ₱12.68

135.00%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$1.91 ₱121

193.19%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.03 ₱65.5

-19.42%

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

$24.4K Rp 443.5M

$20.8K ₱1.3M

17.55%

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

$31.7K Rp 575.0M

$19.1K ₱1.2M

66.30%

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

$77.5 Rp 1.4M

$119 ₱7,562

-35.08%

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

$6.14 Rp 111.5K

$15.64 ₱991

-60.74%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$23.84 ₱1,510

-20.64%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$31.64 ₱2,005

61.16%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$5.16 ₱327

253.68%

Cinema Ticket

$4.38 Rp 79.5K

$5.22 ₱331

-16.09%

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

$492 Rp 8.9M

$130 ₱8,211

279.95%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$7,895 ₱500.2K

54.80%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$33.12 ₱2,098

36.35%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$19.07 ₱1,208

82.96%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$69.2 ₱4,387

13.11%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$55.4 ₱3,508

40.66%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$251 ₱15.9K

329.32%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$167 ₱10.6K

298.07%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$490 ₱31.0K

616.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$350 ₱22.2K

377.32%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,657 ₱168.4K

-11.93%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,125 ₱71.3K

98.83%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.92

99.13%

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

Last update for Ubud, Bali: November 1, 2026

Last update for San Fernando, La Union: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

San Fernando, La Union

$167 23.2% 74.9% $498

Groceries & Markets

Ubud, Bali

$279 21%

San Fernando, La Union

$179 24.8% 36% $101

Clothing & Footwear

Ubud, Bali

$106 8%

San Fernando, La Union

$80 11% 25.2% $27

Eating Out

Ubud, Bali

$106 8%

San Fernando, La Union

$80 11.1% 24.6% $26

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

San Fernando, La Union

$159 22% 54.9% $56

Sport & Entertainment

Ubud, Bali

$60 4.5%

San Fernando, La Union

$42 5.8% 29.6% $18

Getting Around

Ubud, Bali

$12 0.9%

San Fernando, La Union

$15 2.1% 27.1% $3.2

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $251 in San Fernando, La Union. 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 $17 in San Fernando, La Union. Monthly groceries follow the same trend: $279 vs $179 – making San Fernando, La Union the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 San Fernando, La Union

🕒 Local time

09:03 9:03 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

83,003

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.9 EUR

100 PHP = 1.58 USD

100 PHP = 1.4 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 5, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,421 IDR (100,000 IDR = 4.9 EUR).

Philippine Peso exchange rates as of November 5, 2026: 1 USD = 63.36 PHP (100 PHP = 1.58 USD). 1 EUR = 71.33 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali San Fernando, La Union 2,850 km ≈ 4 h nonstop flight

From you

Ubud, Bali
San Fernando, La Union

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 San Fernando, La Union: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 85%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $1,082 in San Fernando, La Union. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in San Fernando, La Union, especially for central apartments: a one-bedroom in the center costs $251 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $35 in Ubud, Bali and $17 in San Fernando, La Union. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,331 in Ubud, Bali and $721 in San Fernando, La Union. That makes San Fernando, La Union about 46% cheaper.

A $1,000 monthly budget goes further in San Fernando, La Union, where all-in costs run around $721, than in Ubud, Bali at $1,331. In San Fernando, La Union it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward San Fernando, La Union – 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.