Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tuguegarao

For one person, living is cheaper in Tuguegarao: $570 a month against $1,349 in Ubud, Bali, rent and utilities included – about $9,300 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
27

Cost of Living Index in Tuguegarao
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Tuguegarao Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Tuguegarao

🇵🇭 Philippines

$570

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $570 in Tuguegarao, rent included.

Ubud, Bali $1,349
Tuguegarao $570

A couple spends around $2,305 per month in Ubud, Bali vs $909 in Tuguegarao, rent included.

Ubud, Bali $2,305
Tuguegarao $909

A family of three spends $3,261 per month in Ubud, Bali vs $1,249 in Tuguegarao, rent included.

Ubud, Bali $3,261
Tuguegarao $1,249

Ubud, Bali costs about 136% more than Tuguegarao, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$1.58 ₱101

110.13%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$16.12 ₱1,027

121.09%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$2.68 ₱171

106.34%

Cappuccino

$2.72 Rp 49.3K

$1.74 ₱111

56.32%

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

$1.70 Rp 30.9K

$0.42 ₱26.88

304.76%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.28 ₱17.60

171.43%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$1.02 ₱64.9

159.80%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$1.53 ₱97.2

186.27%

Milk (1 liter)

$1.49 Rp 27.0K

$1.64 ₱104

-9.15%

White Bread (500g)

$2.28 Rp 41.3K

$1.15 ₱73.1

98.26%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.68 ₱43.15

75.00%

Eggs

$2.04 Rp 36.9K

$1.98 ₱126

3.03%

Local Cheese (1kg)

$17.70 Rp 321.1K

$4.92 ₱313

259.76%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$3.26 ₱208

21.47%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$7.94 ₱506

53.53%

Apples (1kg)

$3.66 Rp 66.3K

$2.20 ₱140

66.36%

Banana (1kg)

$1.52 Rp 27.5K

$1.51 ₱96.1

0.66%

Oranges (1kg)

$2.23 Rp 40.4K

$2.25 ₱143

-0.89%

Tomato (1kg)

$1.97 Rp 35.8K

$1.02 ₱64.8

93.14%

Potato (1kg)

$1.85 Rp 33.5K

$1.72 ₱109

7.56%

Onion (1kg)

$2.42 Rp 44.0K

$1.74 ₱111

39.08%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.61 ₱39.12

62.30%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.49 ₱31.07

4.08%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$1.84 ₱117

20.65%

Wine (Bottle)

$22.24 Rp 403.4K

$8.44 ₱538

163.51%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$0.96 ₱61.3

135.42%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.01 ₱128

47.76%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.24 ₱15.11

4.17%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$13.38 ₱852

-41.55%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$0.75 ₱47.68

-41.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.24 ₱15.35

79.17%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$1.84 ₱117

194.02%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.08 ₱68.5

-24.07%

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

$23.8K Rp 432.4M

$21.3K ₱1.4M

11.75%

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

$31.7K Rp 575.9M

$18.8K ₱1.2M

69.33%

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

$79.1 Rp 1.4M

$31.51 ₱2,007

150.90%

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

$6.45 Rp 116.9K

$16.94 ₱1,079

-61.92%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$22.96 ₱1,462

-19.08%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$31.59 ₱2,012

56.63%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$5.24 ₱334

236.83%

Cinema Ticket

$4.27 Rp 77.5K

$4.95 ₱315

-13.74%

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

$491 Rp 8.9M

$132 ₱8,382

272.72%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$10.7K ₱680.2K

-46.87%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$28.57 ₱1,820

56.25%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$19.15 ₱1,219

82.51%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$39.08 ₱2,489

104.45%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$23.29 ₱1,484

241.00%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$246 ₱15.7K

357.44%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$169 ₱10.8K

297.31%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$482 ₱30.7K

639.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$349 ₱22.2K

394.35%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,480 ₱158.0K

10.14%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,104 ₱70.3K

106.92%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$201 ₱12.8K

-18.65%

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 Tuguegarao: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Tuguegarao

$169 29.6% 74.8% $502

Groceries & Markets

Ubud, Bali

$288 21.4%

Tuguegarao

$170 29.8% 41% $118

Eating Out

Ubud, Bali

$108 8%

Tuguegarao

$52 9.2% 51.3% $55

Clothing & Footwear

Ubud, Bali

$108 8%

Tuguegarao

$50 8.7% 53.9% $58

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Tuguegarao

$71 12.5% 31.4% $33

Sport & Entertainment

Ubud, Bali

$58 4.3%

Tuguegarao

$41 7.3% 28.5% $17

Getting Around

Ubud, Bali

$11 0.9%

Tuguegarao

$16 2.9% 42.6% $4.9

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $246 in Tuguegarao. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 23% higher in Tuguegarao, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36 in Ubud, Bali versus $16 in Tuguegarao. Monthly groceries follow the same trend: $288 vs $170 – making Tuguegarao the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Tuguegarao

🕒 Local time

13:44 1:44 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

166,334

💱 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 Tuguegarao 2,990 km ≈ 4 h 15 min nonstop flight

From you

Ubud, Bali
Tuguegarao

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 Tuguegarao: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $570 in Tuguegarao – Tuguegarao comes out roughly 58% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $856 in Tuguegarao. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Tuguegarao, especially for central apartments: a one-bedroom in the center costs $246 there versus $1,125 in Ubud, Bali.

Public transport costs about 42% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $491 per month in Ubud, Bali and $132 in Tuguegarao. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,200 monthly budget goes further in Tuguegarao, where all-in costs run around $570, than in Ubud, Bali at $1,349. In Tuguegarao it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Tuguegarao – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.