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: $1,378 in Ubud, Bali versus $1,253 in San Fernando.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,001 in San Fernando.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $2,749 in San Fernando.

Living in Ubud, Bali is roughly 10% more expensive than in San Fernando, driven mainly by Monthly Utilities & Internet.

The two cities straddle the global median: Ubud, Bali is 0% above, San Fernando is 9% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$10.29 TTD 69.4

-67.64%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$59.1 TTD 399

-39.42%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$8.15 TTD 54.9

-30.92%

Cappuccino

$2.82 Rp 49.7K

$3.80 TTD 25.64

-25.79%

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

$1.75 Rp 30.8K

$0.99 TTD 6.67

76.77%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.76 TTD 5.12

5.26%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.87 TTD 12.61

62.57%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$2.51 TTD 16.92

71.31%

Milk (1 liter)

$1.61 Rp 28.3K

$2.03 TTD 13.66

-20.69%

White Bread (500g)

$2.27 Rp 39.9K

$2.26 TTD 15.25

0.44%

Rice (white) (1kg)

$1.17 Rp 20.6K

$2.81 TTD 18.92

-58.36%

Eggs

$2.17 Rp 38.2K

$3.93 TTD 26.50

-44.78%

Local Cheese (1kg)

$17.63 Rp 310.5K

$6.79 TTD 45.75

159.65%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$9.95 TTD 67.1

-59.30%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$8.72 TTD 58.8

39.68%

Apples (1kg)

$3.62 Rp 63.7K

$5.54 TTD 37.36

-34.66%

Banana (1kg)

$1.64 Rp 28.8K

$2.47 TTD 16.65

-33.60%

Oranges (1kg)

$2.31 Rp 40.6K

$3.59 TTD 24.23

-35.65%

Tomato (1kg)

$1.96 Rp 34.5K

$4.18 TTD 28.20

-53.11%

Potato (1kg)

$1.84 Rp 32.5K

$0.72 TTD 4.86

155.56%

Onion (1kg)

$2.37 Rp 41.7K

$0.77 TTD 5.19

207.79%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.51 TTD 10.19

-30.46%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.16 TTD 7.82

-53.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$5.76 TTD 38.84

-60.07%

Wine (Bottle)

$23.08 Rp 406.4K

$17.73 TTD 120

30.17%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.56 TTD 10.53

50.00%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$3.04 TTD 20.50

0.99%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.45 TTD 3.05

-44.44%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$44.37 TTD 299

-78.77%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$0.87 TTD 5.86

-43.68%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.90 TTD 6.09

-47.78%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$14.99 TTD 101

-62.64%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.17 TTD 7.91

-30.77%

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

$25.0K Rp 440.3M

$36.2K TTD 244.4K

-31.00%

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

$31.1K Rp 547.0M

$41.2K TTD 277.8K

-24.60%

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

$82.7 Rp 1.5M

$44.23 TTD 298

87.02%

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

$6.49 Rp 114.2K

$42.55 TTD 287

-84.75%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$46.30 TTD 312

-59.42%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$51.0 TTD 344

8.36%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$4.30 Rp 75.7K

$8.89 TTD 59.9

-51.63%

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

$494 Rp 8.7M

$396 TTD 2,670

24.80%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$11.0K TTD 74.2K

-46.20%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$55.2 TTD 372

-16.20%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$37.31 TTD 252

-2.33%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$89.7 TTD 605

-10.06%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$87.5 TTD 590

-9.89%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$509 TTD 3,429

119.05%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$391 TTD 2,634

77.45%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$891 TTD 6,007

308.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$745 TTD 5,025

129.72%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$1,997 TTD 13.5K

38.22%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,513 TTD 10.2K

51.52%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$1,028 TTD 6,928

-83.74%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.75

139.65%

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

Last update for Ubud, Bali: September 6, 2026

Last update for San Fernando: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $509 in San Fernando. Housing cost is often the main lever when comparing two cities.

San Fernando pays 515% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $59.0 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $294 vs $317 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

Ubud, Bali and San Fernando differ by about 10% in total monthly costs ($1,378 vs $1,253 including rent). San Fernando is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 515% 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: $1,114 in Ubud, Bali versus $509 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 $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,378 per month in Ubud, Bali versus $1,253 in San Fernando – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,253 in San Fernando versus $1,378 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 10% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.