Last update: Nov 2026

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

Name: San Fernando
Address: San Fernando, PH

For one person, living is cheaper in San Fernando: $807 a month against $1,331 in Ubud, Bali, rent and utilities included – about $6,300 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
39

Cost of Living Index in San Fernando
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San Fernando Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

San Fernando

🇵🇭 Philippines

$807

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $807 in San Fernando.

Ubud, Bali $1,331
San Fernando $807

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,271 in San Fernando.

Ubud, Bali $2,255
San Fernando $1,271

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $1,735 in San Fernando.

Ubud, Bali $3,180
San Fernando $1,735

Living in Ubud, Bali is roughly 65% more expensive than in San Fernando, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, San Fernando 40% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$3.07 ₱195

10.10%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 629.1K

$23.84 ₱1,516

45.34%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$2.82 ₱179

97.52%

Cappuccino

$2.62 Rp 47.6K

$1.71 ₱109

53.22%

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

$1.54 Rp 27.9K

$0.64 ₱40.43

140.63%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.38 ₱24.23

68.42%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.09 ₱69.3

144.95%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$1.95 ₱124

118.46%

Milk (1 liter)

$1.46 Rp 26.5K

$1.76 ₱112

-17.05%

White Bread (500g)

$2.29 Rp 41.6K

$0.87 ₱55.0

163.22%

Rice (white) (1kg)

$1.11 Rp 20.1K

$0.96 ₱61.1

15.63%

Eggs

$2.10 Rp 38.1K

$1.90 ₱121

10.53%

Local Cheese (1kg)

$15.94 Rp 289.4K

$4.60 ₱293

246.52%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$3.31 ₱210

17.22%

Beef Round Steak (1kg)

$11.40 Rp 207.0K

$7.04 ₱448

61.93%

Apples (1kg)

$3.55 Rp 64.5K

$2.58 ₱164

37.60%

Banana (1kg)

$1.54 Rp 27.9K

$2.06 ₱131

-25.24%

Oranges (1kg)

$2.23 Rp 40.5K

$2.75 ₱175

-18.91%

Tomato (1kg)

$1.97 Rp 35.8K

$0.92 ₱58.2

114.13%

Potato (1kg)

$1.86 Rp 33.7K

$1.38 ₱88.0

34.78%

Onion (1kg)

$2.42 Rp 43.9K

$1.32 ₱83.8

83.33%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.65 ₱41.09

56.92%

Water (1.5 liter bottle)

$0.52 Rp 9,483

$0.35 ₱22.37

48.57%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.71 ₱172

-18.82%

Wine (Bottle)

$21.79 Rp 395.6K

$6.96 ₱442

213.07%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$0.75 ₱47.73

210.67%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.95 ₱187

0.68%

One-way Ticket (Public Transport)

$0.25 Rp 4,546

$0.25 ₱15.80

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$13.59 ₱864

-39.88%

Taxi Start (Normal Tariff)

$0.44 Rp 7,947

$1.00 ₱63.7

-56.00%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,496

$0.20 ₱12.70

135.00%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.7K

$1.94 ₱123

188.66%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.27 ₱80.7

-34.65%

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

$24.4K Rp 443.8M

$21.0K ₱1.3M

16.31%

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

$31.7K Rp 575.5M

$19.1K ₱1.2M

66.32%

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

$77.5 Rp 1.4M

$96.3 ₱6,121

-19.52%

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

$6.14 Rp 111.6K

$17.18 ₱1,092

-64.26%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.4K

$30.29 ₱1,926

-37.54%

Gym Membership (Monthly)

$51.0 Rp 925.8K

$31.66 ₱2,013

61.05%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.3K

$15.57 ₱990

17.21%

Cinema Ticket

$4.38 Rp 79.6K

$4.66 ₱296

-6.01%

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

$492 Rp 8.9M

$267 ₱17.0K

84.20%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.9M

$13.5K ₱855.9K

-9.21%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.9K

$49.06 ₱3,119

-7.95%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.4K

$37.73 ₱2,399

-7.53%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$71.4 ₱4,542

9.65%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$78.4 ₱4,982

-0.64%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$402 ₱25.6K

167.76%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$266 ₱16.9K

150.39%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$724 ₱46.0K

384.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$560 ₱35.6K

198.62%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$4,249 ₱270.2K

-44.93%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,385 ₱151.6K

-6.23%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

96.86%

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: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

San Fernando

$266 32.9% 60.1% $399

Groceries & Markets

Ubud, Bali

$279 21%

San Fernando

$167 20.7% 40.2% $112

Clothing & Footwear

Ubud, Bali

$106 8%

San Fernando

$106 13.2% 0.1% $0.1

Eating Out

Ubud, Bali

$106 8%

San Fernando

$67 8.3% 36.6% $39

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

San Fernando

$144 17.8% 40.2% $41

Sport & Entertainment

Ubud, Bali

$60 4.5%

San Fernando

$41 5.1% 31.4% $19

Getting Around

Ubud, Bali

$12 0.9%

San Fernando

$17 2.1% 38.7% $4.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $402 in San Fernando. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $24 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $279 vs $167 per month, with San Fernando cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 San Fernando

🕒 Local time

08:49 8:49 AM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

354,666

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.89 EUR

100 PHP = 1.57 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 = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,438 IDR (100,000 IDR = 4.89 EUR).

Philippine Peso exchange rates as of November 5, 2026: 1 USD = 63.58 PHP (100 PHP = 1.57 USD). 1 EUR = 71.57 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali San Fernando 2,680 km ≈ 3 h 45 min nonstop flight

From you

Ubud, Bali
San Fernando

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: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $807 in San Fernando, so San Fernando is about 39% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $1,211 in San Fernando to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,078 in Ubud, Bali versus $402 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $267 in San Fernando. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 67% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $807 in San Fernando versus $1,331 in Ubud, Bali, a $1,200 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.