Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Santiago, Panama

Name: Santiago
Address: Santiago, PA

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,442 in Santiago, rent and utilities included – about $1,100 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
69

Cost of Living Index in Santiago
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Santiago Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Santiago

🇵🇦 Panama

$1,442

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Santiago

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

A single person spends $1,349 per month in Ubud, Bali vs $1,442 in Santiago, rent included.

Ubud, Bali $1,349
Santiago $1,442

A couple spends around $2,305 per month in Ubud, Bali vs $2,119 in Santiago, rent included.

Ubud, Bali $2,305
Santiago $2,119

A family of three spends $3,261 per month in Ubud, Bali vs $2,796 in Santiago, rent included.

Ubud, Bali $3,261
Santiago $2,796

Ubud, Bali is about 6% cheaper than Santiago, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 59.9K

$4.44 PAB 4.44

-25.23%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 642.4K

$29.53 PAB 29.53

20.69%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 99.7K

$5.02 PAB 5.02

10.16%

Cappuccino

$2.72 Rp 49.0K

$4.04 PAB 4.04

-32.67%

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

$1.70 Rp 30.7K

$0.73 PAB 0.73

132.88%

Water (0.33 liter bottle)

$0.76 Rp 13.7K

$0.77 PAB 0.77

-1.30%

Local Beer (0.5 liter draught)

$2.65 Rp 47.8K

$0.97 PAB 0.97

173.20%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.0K

$2.03 PAB 2.03

115.76%

Milk (1 liter)

$1.49 Rp 26.9K

$1.84 PAB 1.84

-19.02%

White Bread (500g)

$2.28 Rp 41.0K

$2.58 PAB 2.58

-11.63%

Rice (white) (1kg)

$1.19 Rp 21.5K

$3.38 PAB 3.38

-64.79%

Eggs

$2.04 Rp 36.7K

$2.68 PAB 2.68

-23.88%

Local Cheese (1kg)

$17.70 Rp 319.1K

$12.25 PAB 12.25

44.49%

Chicken Fillets (1kg)

$3.96 Rp 71.4K

$6.88 PAB 6.88

-42.44%

Beef Round Steak (1kg)

$12.19 Rp 219.7K

$10.59 PAB 10.59

15.11%

Apples (1kg)

$3.66 Rp 65.9K

$4.13 PAB 4.13

-11.38%

Banana (1kg)

$1.52 Rp 27.4K

$1.89 PAB 1.89

-19.58%

Oranges (1kg)

$2.23 Rp 40.2K

$4.09 PAB 4.09

-45.48%

Tomato (1kg)

$1.97 Rp 35.6K

$4.05 PAB 4.05

-51.36%

Potato (1kg)

$1.85 Rp 33.3K

$3.36 PAB 3.36

-44.94%

Onion (1kg)

$2.42 Rp 43.7K

$4.19 PAB 4.19

-42.24%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.39 PAB 2.39

-58.58%

Water (1.5 liter bottle)

$0.51 Rp 9,255

$1.78 PAB 1.78

-71.35%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.0K

$6.17 PAB 6.17

-64.02%

Wine (Bottle)

$22.24 Rp 400.9K

$11.46 PAB 11.46

94.07%

Local Beer (0.5 liter bottle)

$2.26 Rp 40.7K

$1.43 PAB 1.43

58.04%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.5K

$2.83 PAB 2.83

4.95%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,923

$2.48 PAB 2.48

-82.26%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,753

$1.86 PAB 1.86

-76.88%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 97.5K

$22.36 PAB 22.36

-75.81%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.18 PAB 1.18

-30.51%

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

$23.8K Rp 429.7M

$24.3K PAB 24.3K

-1.86%

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

$31.7K Rp 572.3M

$21.5K PAB 21.5K

47.50%

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

$79.1 Rp 1.4M

$120 PAB 120

-34.03%

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

$6.45 Rp 116.2K

$14.90 PAB 14.90

-56.71%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 334.9K

$43.49 PAB 43.49

-57.28%

Gym Membership (Monthly)

$49.48 Rp 892.0K

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

Cinema Ticket

$4.27 Rp 77.0K

$8.26 PAB 8.26

-48.31%

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

$491 Rp 8.8M

$533 PAB 533

-7.98%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.3M

$9,758 PAB 9,758

-41.85%

Jeans (Levis 501 Or Similar)

$44.64 Rp 804.7K

$67.9 PAB 67.9

-34.23%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 630.1K

$47.51 PAB 47.51

-26.44%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$93.7 PAB 93.7

-14.76%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$110 PAB 110

-27.69%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

$451 PAB 451

149.19%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

$652 PAB 652

2.92%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.3M

$648 PAB 648

450.38%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

$1,105 PAB 1,105

56.01%

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.39

115.65%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Santiago: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Santiago

$652 45.3% 2.8% $19

Groceries & Markets

Ubud, Bali

$288 21.4%

Santiago

$325 22.5% 12.6% $36

Eating Out

Ubud, Bali

$108 8%

Santiago

$114 7.9% 5.9% $6.4

Clothing & Footwear

Ubud, Bali

$108 8%

Santiago

$144 10% 33.5% $36

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Santiago

$178 12.4% 71.2% $74

Sport & Entertainment

Ubud, Bali

$58 4.3%

Santiago

$17 * 1.2% 71.5% $42

Getting Around

Ubud, Bali

$11 0.9%

Santiago

$12 * 0.8% 3.1% $0.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $451 in Santiago. 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 $36 in Ubud, Bali versus $30 in Santiago. Groceries tell a different story – $288 in Ubud, Bali vs $325 in Santiago – so Ubud, Bali wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇵🇦 Santiago

🕒 Local time

19:08 7:08 PM

06:08 6:08 AM

13 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

31,065

💱 Currency

Indonesian Rupiah IDR Rp

Panamanian Balboa PAB B/.

📈 Exchange rate

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

1 PAB = 1 USD

1 PAB = 0.899 EUR

Exchange rates and currency converter

PAB, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

Panamanian Balboa exchange rates as of October 28, 2026: 1 USD = 1 PAB (1 PAB = 1 USD). 1 EUR = 1.11 PAB (1 PAB = 0.899 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Santiago 18,230 km ≈ 23 h nonstop flight

From you

Ubud, Bali
Santiago

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 Santiago: Cost of Living - Frequently Asked Questions

Yes – Santiago is pricier by about 7%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $2,162 in Santiago. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Santiago, especially for central apartments: a one-bedroom in the center costs $451 there versus $1,125 in Ubud, Bali.

A mid-range dinner for two costs $36 in Ubud, Bali and $30 in Santiago. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 13% more in Santiago, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,442 in Santiago. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,442 in Santiago. Climate, culture, job market, and personal taste all factor in.