Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Toledo City

For one person, living is cheaper in Toledo City: $644 a month against $1,349 in Ubud, Bali, rent and utilities included – about $8,500 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
31

Cost of Living Index in Toledo City
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Toledo City Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Toledo City

🇵🇭 Philippines

$644

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Toledo 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 Toledo City actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $644 in Toledo City.

Ubud, Bali $1,349
Toledo City $644

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,018 in Toledo City.

Ubud, Bali $2,305
Toledo City $1,018

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,391 in Toledo City.

Ubud, Bali $3,261
Toledo City $1,391

Living in Ubud, Bali is roughly 109% more expensive than in Toledo City, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$2.77 ₱176

19.86%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$18.50 ₱1,179

92.65%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$3.15 ₱201

75.56%

Cappuccino

$2.72 Rp 49.3K

$1.84 ₱117

47.83%

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

$1.70 Rp 30.9K

$0.68 ₱43.14

150.00%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.33 ₱21.26

130.30%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.09 ₱69.2

143.12%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.67 ₱107

162.28%

Milk (1 liter)

$1.49 Rp 27.0K

$1.65 ₱105

-9.70%

White Bread (500g)

$2.28 Rp 41.3K

$1.19 ₱75.8

91.60%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.81 ₱51.5

46.91%

Eggs

$2.04 Rp 36.9K

$1.82 ₱116

12.09%

Local Cheese (1kg)

$17.70 Rp 321.1K

$5.83 ₱371

203.60%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$3.88 ₱247

2.06%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$6.14 ₱391

98.53%

Apples (1kg)

$3.66 Rp 66.3K

$3.14 ₱200

16.56%

Banana (1kg)

$1.52 Rp 27.5K

$1.06 ₱67.6

43.40%

Oranges (1kg)

$2.23 Rp 40.4K

$2.80 ₱179

-20.36%

Tomato (1kg)

$1.97 Rp 35.8K

$1.41 ₱90.1

39.72%

Potato (1kg)

$1.85 Rp 33.5K

$2.25 ₱143

-17.78%

Onion (1kg)

$2.42 Rp 44.0K

$2.78 ₱177

-12.95%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.43 ₱91.3

-30.77%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.76 ₱48.48

-32.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$0.82 ₱52.1

170.73%

Wine (Bottle)

$22.24 Rp 403.4K

$6.35 ₱405

250.24%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.07 ₱68.3

111.21%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.27 ₱80.7

133.86%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.25 ₱15.63

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$11.41 ₱727

-31.46%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.76 ₱48.32

-42.11%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.36 ₱22.65

19.44%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$2.30 ₱147

135.22%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.17 ₱74.5

-29.91%

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

$23.8K Rp 432.4M

$21.1K ₱1.3M

12.90%

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

$31.7K Rp 575.9M

$19.1K ₱1.2M

66.01%

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

$79.1 Rp 1.4M

$62.0 ₱3,950

27.54%

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

$6.45 Rp 116.9K

$9.21 ₱587

-29.97%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$26.62 ₱1,696

-30.20%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$31.01 ₱1,976

59.56%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$5.14 ₱328

243.39%

Cinema Ticket

$4.27 Rp 77.5K

$1.52 ₱97.1

180.92%

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

$491 Rp 8.9M

$79.8 ₱5,082

515.10%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$8,998 ₱573.3K

-36.94%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$32.98 ₱2,102

35.35%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$18.94 ₱1,207

84.53%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$54.1 ₱3,449

47.63%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$69.4 ₱4,423

14.41%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$254 ₱16.2K

343.22%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$170 ₱10.8K

295.97%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$497 ₱31.7K

616.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$355 ₱22.6K

385.97%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,669 ₱170.1K

2.35%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,128 ₱71.9K

102.45%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$318 ₱20.2K

-48.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

129.67%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Toledo City: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Toledo City

$170 26.3% 74.7% $502

Groceries & Markets

Ubud, Bali

$288 21.4%

Toledo City

$182 28.3% 36.8% $106

Eating Out

Ubud, Bali

$108 8%

Toledo City

$66 10.3% 38.3% $41

Clothing & Footwear

Ubud, Bali

$108 8%

Toledo City

$79 12.3% 26.6% $29

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Toledo City

$98 15.2% 6% $6.3

Sport & Entertainment

Ubud, Bali

$58 4.3%

Toledo City

$34 5.3% 41.3% $24

Getting Around

Ubud, Bali

$11 0.9%

Toledo City

$15 2.3% 30.7% $3.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $254 in Toledo City. Housing cost is often the main lever when comparing two cities.

Toledo City pays 94% 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 $19 in Toledo City for a mid-range dinner for two. Groceries echo the gap at $288 vs $182 per month, with Toledo City cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Toledo City

🕒 Local time

20:04 8:04 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

206,692

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 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 October 30, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,289 IDR (100,000 IDR = 4.93 EUR).

Philippine Peso exchange rates as of October 30, 2026: 1 USD = 63.72 PHP (100 PHP = 1.57 USD). 1 EUR = 71.28 PHP (100 PHP = 1.4 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Toledo City 2,290 km ≈ 3 h 15 min nonstop flight

From you

Ubud, Bali
Toledo 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 Toledo City: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $644 in Toledo City, so Toledo City is about 52% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 48% 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 $254 in Toledo City. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 58% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Toledo City – a meal for two runs $19 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $644 in Toledo City versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Toledo City but tight or insufficient in Ubud, Bali. The gap between the two cities makes Toledo 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.