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 $1,217 in San Fernando.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $2,005 in San Fernando.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $2,794 in San Fernando.

Living in Ubud, Bali is roughly 14% more expensive than in San Fernando, driven mainly by Eating Out.

The two cities straddle the global median: Ubud, Bali is 5% above, San Fernando is 9% below.

Meal at Budget Restaurant

$3.57 Rp 64.6K

$10.40 TTD 70.1

-65.67%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 584.4K

$59.1 TTD 399

-45.33%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.5K

$7.54 TTD 50.9

-33.55%

Cappuccino

$2.82 Rp 51.1K

$3.68 TTD 24.82

-23.37%

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

$1.35 Rp 24.4K

$1.09 TTD 7.34

23.85%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.77 TTD 5.18

-5.19%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.82 TTD 12.30

60.99%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.2K

$2.48 TTD 16.73

58.87%

Milk (1 liter)

$1.78 Rp 32.2K

$2.03 TTD 13.72

-12.32%

White Bread (500g)

$2.45 Rp 44.3K

$2.34 TTD 15.80

4.70%

Rice (white) (1kg)

$1.15 Rp 20.8K

$2.63 TTD 17.71

-56.27%

Eggs

$2.41 Rp 43.7K

$3.83 TTD 25.83

-37.08%

Local Cheese (1kg)

$14.33 Rp 259.1K

$8.09 TTD 54.6

77.13%

Chicken Fillets (1kg)

$4.19 Rp 75.7K

$10.45 TTD 70.5

-59.90%

Beef Round Steak (1kg)

$12.06 Rp 218.1K

$8.70 TTD 58.7

38.62%

Apples (1kg)

$3.64 Rp 65.8K

$5.92 TTD 39.97

-38.51%

Banana (1kg)

$1.57 Rp 28.3K

$2.48 TTD 16.75

-36.69%

Oranges (1kg)

$2.79 Rp 50.4K

$4.36 TTD 29.41

-36.01%

Tomato (1kg)

$2.24 Rp 40.5K

$4.67 TTD 31.51

-52.03%

Potato (1kg)

$1.98 Rp 35.8K

$1.24 TTD 8.35

59.68%

Onion (1kg)

$2.28 Rp 41.2K

$0.76 TTD 5.13

200.00%

Lettuce (1 head)

$1.05 Rp 19.1K

$1.49 TTD 10.06

-29.53%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.16 TTD 7.85

-31.90%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.7K

$5.69 TTD 38.36

-43.94%

Wine (Bottle)

$23.49 Rp 424.8K

$17.35 TTD 117

35.39%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.4K

$1.52 TTD 10.24

90.79%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.8K

$2.71 TTD 18.27

1.85%

One-way Ticket (Public Transport)

$0.27 Rp 4,821

$0.46 TTD 3.09

-41.30%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.3K

$44.31 TTD 299

-81.11%

Taxi Start (Normal Tariff)

$0.45 Rp 8,180

$0.85 TTD 5.76

-47.06%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,311

$0.86 TTD 5.77

-46.51%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.7K

$14.56 TTD 98.2

-58.31%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.99 TTD 6.68

-13.13%

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

$26.6K Rp 480.7M

$34.4K TTD 232.1K

-22.73%

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

$32.5K Rp 588.6M

$38.2K TTD 257.8K

-14.84%

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

$79.0 Rp 1.4M

$44.86 TTD 303

76.15%

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

$4.09 Rp 74.0K

$42.88 TTD 289

-90.46%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 431.2K

$45.00 TTD 304

-47.00%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$46.91 TTD 316

110.57%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.9K

$8.62 TTD 58.2

-26.33%

Cinema Ticket

$4.01 Rp 72.5K

$8.80 TTD 59.4

-54.43%

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

$297 Rp 5.4M

$325 TTD 2,195

-8.67%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.4M

$2,224 TTD 15.0K

196.90%

Jeans (Levis 501 Or Similar)

$53.4 Rp 966.0K

$43.93 TTD 296

21.63%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 689.2K

$36.61 TTD 247

4.10%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$89.7 TTD 605

-1.19%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$90.4 TTD 610

-15.22%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$533 TTD 3,596

91.28%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$349 TTD 2,355

94.88%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.7M

$976 TTD 6,583

255.48%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.8M

$695 TTD 4,688

200.72%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$1,976 TTD 13.3K

38.08%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.5M

$1,484 TTD 10.0K

54.66%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,030 TTD 6,947

-84.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.38

146.84%

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 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $533 in San Fernando. Housing cost is often the main lever when comparing two cities.

San Fernando pays 529% 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 $59.0 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $298 vs $330 per month, with Ubud, Bali 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

San Fernando is cheaper overall, especially in Sport & Entertainment. The 14% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 529% 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 $533 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in San Fernando – a meal for two runs $59.0 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,392 per month in Ubud, Bali versus $1,217 in San Fernando – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,217 in San Fernando versus $1,392 in Ubud, Bali, a $1,500 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.

For families, San Fernando is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

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 14% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.