Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tarlac City

For one person, living is cheaper in Tarlac City: $523 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
25

Cost of Living Index in Tarlac City
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Tarlac City Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Tarlac City

🇵🇭 Philippines

$523

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Tarlac City

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $523 in Tarlac City.

Ubud, Bali $1,349
Tarlac City $523

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $801 in Tarlac City.

Ubud, Bali $2,305
Tarlac City $801

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,080 in Tarlac City.

Ubud, Bali $3,261
Tarlac City $1,080

Living in Ubud, Bali is roughly 158% more expensive than in Tarlac City, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$1.99 ₱127

66.83%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$7.94 ₱506

348.87%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$2.67 ₱170

107.12%

Cappuccino

$2.72 Rp 49.3K

$1.82 ₱116

49.45%

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

$1.70 Rp 30.9K

$0.48 ₱30.72

254.17%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.30 ₱19.15

153.33%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$0.95 ₱60.6

178.95%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.58 ₱100

177.22%

Milk (1 liter)

$1.49 Rp 27.0K

$1.65 ₱105

-9.70%

White Bread (500g)

$2.28 Rp 41.3K

$1.13 ₱72.0

101.77%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.01 ₱64.1

17.82%

Eggs

$2.04 Rp 36.9K

$1.92 ₱123

6.25%

Local Cheese (1kg)

$17.70 Rp 321.1K

$4.95 ₱315

257.58%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$2.68 ₱171

47.76%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$6.35 ₱405

91.97%

Apples (1kg)

$3.66 Rp 66.3K

$1.57 ₱100

133.12%

Banana (1kg)

$1.52 Rp 27.5K

$1.51 ₱96.4

0.66%

Oranges (1kg)

$2.23 Rp 40.4K

$2.01 ₱128

10.95%

Tomato (1kg)

$1.97 Rp 35.8K

$1.02 ₱64.9

93.14%

Potato (1kg)

$1.85 Rp 33.5K

$1.71 ₱109

8.19%

Onion (1kg)

$2.42 Rp 44.0K

$1.19 ₱75.5

103.36%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.66 ₱41.80

50.00%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.52 ₱33.32

-1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.97 ₱189

-25.25%

Wine (Bottle)

$22.24 Rp 403.4K

$3.72 ₱237

497.85%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$0.89 ₱56.9

153.93%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.52 ₱97.1

95.39%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.24 ₱15.31

4.17%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$8.05 ₱513

-2.86%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.75 ₱47.49

-41.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.22 ₱13.93

95.45%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$1.30 ₱82.7

316.15%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.11 ₱71.0

-26.13%

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

$23.8K Rp 432.4M

$21.2K ₱1.4M

12.29%

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

$31.7K Rp 575.9M

$19.0K ₱1.2M

67.05%

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

$79.1 Rp 1.4M

$87.4 ₱5,565

-9.52%

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

$6.45 Rp 116.9K

$5.34 ₱340

20.79%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$23.23 ₱1,480

-20.02%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$39.36 ₱2,507

25.71%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$15.91 ₱1,014

10.94%

Cinema Ticket

$4.27 Rp 77.5K

$5.11 ₱326

-16.44%

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

$491 Rp 8.9M

$130 ₱8,272

277.69%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$10.5K ₱669.1K

-45.99%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$28.72 ₱1,829

55.43%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$18.79 ₱1,197

86.00%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$62.0 ₱3,947

28.95%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$47.50 ₱3,025

67.20%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$87.2 ₱5,555

1189.52%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$70.5 ₱4,492

851.93%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$248 ₱15.8K

1337.66%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$163 ₱10.4K

956.53%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$370 ₱23.5K

638.90%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$284 ₱18.1K

704.95%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$208 ₱13.3K

-21.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.75

104.15%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Tarlac City: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Tarlac City

$71 13.5% 89.5% $601

Groceries & Markets

Ubud, Bali

$288 21.4%

Tarlac City

$148 28.4% 48.6% $140

Eating Out

Ubud, Bali

$108 8%

Tarlac City

$57 10.9% 47.3% $51

Clothing & Footwear

Ubud, Bali

$108 8%

Tarlac City

$71 13.5% 34.3% $37

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Tarlac City

$116 22.2% 11.4% $12

Sport & Entertainment

Ubud, Bali

$58 4.3%

Tarlac City

$50 9.5% 14.5% $8.4

Getting Around

Ubud, Bali

$11 0.9%

Tarlac City

$11 2.1% 5% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $87 in Tarlac City. Housing cost is often the main lever when comparing two cities.

Tarlac City pays 27% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $8 in Tarlac City for a mid-range dinner for two. Groceries echo the gap at $288 vs $148 per month, with Tarlac City cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Tarlac City

🕒 Local time

12:12 12:12 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

385,398

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 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 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Philippine Peso exchange rates as of November 2, 2026: 1 USD = 63.69 PHP (100 PHP = 1.57 USD). 1 EUR = 71.12 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Tarlac City 2,730 km ≈ 4 h nonstop flight

From you

Ubud, Bali
Tarlac City

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 Tarlac City: Cost of Living - Frequently Asked Questions

Tarlac City wins on cost – living expenses run 61% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Tarlac City the obvious pick if budget is a priority.

On paper, salaries run 21% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $87 in Tarlac City. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tarlac City – a meal for two runs $8 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $523 in Tarlac City – Tarlac City is about 61% cheaper, which adds up to real savings over time.

At $523 in Tarlac City versus $1,349 in Ubud, Bali, a $800 budget is realistic in Tarlac City but tight or insufficient in Ubud, Bali. The gap between the two cities makes Tarlac City 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 Tarlac City are both considered safe, so it’s unlikely to be the deciding factor between them.