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

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $777 in San Fernando.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $1,188 in San Fernando.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $1,600 in San Fernando.

Living in Ubud, Bali is roughly 79% more expensive than in San Fernando, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, San Fernando is 42% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$3.49 ₱214

2.29%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$13.46 ₱824

140.12%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$2.72 ₱166

84.19%

Cappuccino

$2.82 Rp 51.0K

$1.05 ₱64.3

168.57%

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

$1.35 Rp 24.4K

$0.42 ₱25.89

221.43%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.36 ₱22.12

102.78%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.31 ₱80.3

123.66%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$1.45 ₱88.7

171.72%

Milk (1 liter)

$1.78 Rp 32.1K

$1.90 ₱116

-6.32%

White Bread (500g)

$2.45 Rp 44.2K

$1.20 ₱73.6

104.17%

Rice (white) (1kg)

$1.15 Rp 20.7K

$0.90 ₱55.1

27.78%

Eggs

$2.41 Rp 43.6K

$2.28 ₱140

5.70%

Local Cheese (1kg)

$14.33 Rp 258.7K

$9.11 ₱558

57.30%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$3.87 ₱237

8.27%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$7.98 ₱489

51.13%

Apples (1kg)

$3.64 Rp 65.7K

$2.76 ₱169

31.88%

Banana (1kg)

$1.57 Rp 28.3K

$1.78 ₱109

-11.80%

Oranges (1kg)

$2.79 Rp 50.3K

$2.35 ₱144

18.72%

Tomato (1kg)

$2.24 Rp 40.5K

$1.16 ₱70.8

93.10%

Potato (1kg)

$1.98 Rp 35.7K

$1.90 ₱116

4.21%

Onion (1kg)

$2.28 Rp 41.1K

$2.09 ₱128

9.09%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.67 ₱41.28

56.72%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.64 ₱39.30

23.44%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.30 ₱202

-3.33%

Wine (Bottle)

$23.49 Rp 424.1K

$8.76 ₱537

168.15%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.08 ₱66.0

168.52%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$1.50 ₱91.8

84.00%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.26 ₱15.91

3.85%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$21.66 ₱1,326

-61.36%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$0.72 ₱44.22

-37.50%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.22 ₱13.41

109.09%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$1.04 ₱63.6

483.65%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.16 ₱71.0

-25.86%

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

$26.6K Rp 480.0M

$28.0K ₱1.7M

-5.00%

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

$32.5K Rp 587.6M

$23.6K ₱1.4M

38.00%

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

$79.0 Rp 1.4M

$106 ₱6,478

-25.33%

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

$4.09 Rp 73.9K

$17.60 ₱1,077

-76.76%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$26.09 ₱1,597

-8.59%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$30.71 ₱1,880

221.65%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$4.49 ₱275

41.43%

Cinema Ticket

$4.01 Rp 72.3K

$4.52 ₱277

-11.28%

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

$297 Rp 5.4M

$61.2 ₱3,748

385.45%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$1,951 ₱119.4K

238.44%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$34.76 ₱2,128

53.71%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$16.18 ₱991

135.54%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$53.5 ₱3,274

65.73%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$46.40 ₱2,840

65.13%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$357 ₱21.9K

185.25%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$243 ₱14.9K

180.38%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$596 ₱36.5K

482.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$478 ₱29.3K

337.17%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$2,206 ₱135.0K

23.71%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$1,047 ₱64.1K

119.22%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$345 ₱21.1K

-52.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.5

141.45%

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

Last update for Ubud, Bali: July 28, 2026

Last update for San Fernando: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $357 in San Fernando. Housing cost is often the main lever when comparing two cities.

San Fernando pays 111% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $13.00 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $298 vs $200 per month, with San Fernando cheaper across the board.

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: Cost of Living - Frequently Asked Questions

Ubud, Bali and San Fernando differ by about 79% in total monthly costs ($1,392 vs $777 including rent). San Fernando is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 111% lower in San Fernando. 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: $1,020 in Ubud, Bali versus $357 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $61.2 in San Fernando. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 49% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $777 in San Fernando versus $1,392 in Ubud, Bali, a $2,000 budget is realistic in San Fernando but tight or insufficient in Ubud, Bali. The gap between the two cities makes San Fernando the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and San Fernando are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find San Fernando gentler on the wallet – expenses run 79% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.