Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Zamboanga

For one person, living is cheaper in Zamboanga: $714 a month against $1,331 in Ubud, Bali, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
34

Cost of Living Index in Zamboanga
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Zamboanga Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Zamboanga

🇵🇭 Philippines

$714

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $714 in Zamboanga.

Ubud, Bali $1,331
Zamboanga $714

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $1,076 in Zamboanga.

Ubud, Bali $2,255
Zamboanga $1,076

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $1,438 in Zamboanga.

Ubud, Bali $3,180
Zamboanga $1,438

Living in Ubud, Bali is roughly 86% more expensive than in Zamboanga, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, Zamboanga 47% lower.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$1.31 ₱82.8

158.02%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$16.52 ₱1,048

109.75%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$3.32 ₱211

67.77%

Cappuccino

$2.62 Rp 47.5K

$2.05 ₱130

27.80%

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

$1.54 Rp 27.9K

$0.91 ₱57.5

69.23%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.39 ₱24.95

64.10%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$1.45 ₱91.8

84.14%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$1.95 ₱124

118.46%

Milk (1 liter)

$1.46 Rp 26.5K

$1.80 ₱114

-18.89%

White Bread (500g)

$2.29 Rp 41.6K

$1.38 ₱87.4

65.94%

Rice (white) (1kg)

$1.11 Rp 20.1K

$1.10 ₱70.0

0.91%

Eggs

$2.10 Rp 38.1K

$1.44 ₱91.2

45.83%

Local Cheese (1kg)

$15.94 Rp 289.2K

$4.69 ₱298

239.87%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$3.88 ₱246

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$3.13 ₱199

264.22%

Apples (1kg)

$3.55 Rp 64.4K

$3.00 ₱190

18.33%

Banana (1kg)

$1.54 Rp 27.9K

$1.20 ₱76.0

28.33%

Oranges (1kg)

$2.23 Rp 40.5K

$3.78 ₱240

-41.01%

Tomato (1kg)

$1.97 Rp 35.8K

$1.15 ₱73.2

71.30%

Potato (1kg)

$1.86 Rp 33.7K

$1.18 ₱74.8

57.63%

Onion (1kg)

$2.42 Rp 43.9K

$2.40 ₱152

0.83%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.85 ₱53.8

20.00%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$0.49 ₱31.28

6.12%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$2.69 ₱170

-18.22%

Wine (Bottle)

$21.79 Rp 395.2K

$4.22 ₱268

416.35%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.30 ₱82.4

79.23%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.99 ₱127

49.25%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$0.17 ₱11.05

47.06%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$12.49 ₱792

-34.59%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$0.74 ₱47.19

-40.54%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$0.22 ₱13.93

113.64%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$1.90 ₱121

194.74%

Gasoline (1 liter)

$0.83 Rp 15.0K

$0.97 ₱61.6

-14.43%

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

$24.4K Rp 443.5M

$20.9K ₱1.3M

17.12%

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

$31.7K Rp 575.0M

$18.6K ₱1.2M

70.51%

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

$77.5 Rp 1.4M

$118 ₱7,503

-34.49%

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

$6.14 Rp 111.5K

$15.47 ₱982

-60.31%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$47.75 ₱3,030

-60.38%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$35.86 ₱2,275

42.19%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$5.11 ₱324

257.14%

Cinema Ticket

$4.38 Rp 79.5K

$5.02 ₱319

-12.75%

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

$492 Rp 8.9M

$131 ₱8,293

276.73%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$7,774 ₱493.2K

57.21%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$32.15 ₱2,039

40.47%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$19.42 ₱1,232

79.66%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$71.8 ₱4,553

9.14%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$54.0 ₱3,425

44.26%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$250 ₱15.9K

331.26%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$166 ₱10.5K

300.44%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$329 ₱20.9K

967.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$353 ₱22.4K

373.78%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$2,668 ₱169.3K

-12.29%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$1,111 ₱70.5K

101.24%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$191 ₱12.1K

-13.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.92

99.13%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Zamboanga: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Zamboanga

$166 23.3% 75% $499

Groceries & Markets

Ubud, Bali

$279 21%

Zamboanga

$165 23% 41.1% $115

Clothing & Footwear

Ubud, Bali

$106 8%

Zamboanga

$80 11.2% 24.9% $27

Eating Out

Ubud, Bali

$106 8%

Zamboanga

$61 8.6% 42% $44

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Zamboanga

$181 25.4% 77% $79

Sport & Entertainment

Ubud, Bali

$60 4.5%

Zamboanga

$46 6.4% 23.2% $14

Getting Around

Ubud, Bali

$12 0.9%

Zamboanga

$15 2.1% 25.8% $3.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $250 in Zamboanga. Housing cost is often the main lever when comparing two cities.

Zamboanga pays 15% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35 in Ubud, Bali vs $17 in Zamboanga for a mid-range dinner for two. Groceries echo the gap at $279 vs $165 per month, with Zamboanga cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇭 Zamboanga

🕒 Local time

22:15 10:15 PM

Same time as Ubud, Bali

🌤 Weather

👥 Population

74,800

💱 Currency

Indonesian Rupiah IDR Rp

Philippine Peso PHP ₱

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

100 PHP = 1.58 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 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,309 IDR (100,000 IDR = 4.92 EUR).

Philippine Peso exchange rates as of November 3, 2026: 1 USD = 63.44 PHP (100 PHP = 1.58 USD). 1 EUR = 71.03 PHP (100 PHP = 1.41 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zamboanga 1,870 km ≈ 2 h 45 min nonstop flight

From you

Ubud, Bali
Zamboanga

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 Zamboanga: Cost of Living - Frequently Asked Questions

Zamboanga wins on cost – living expenses run 46% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Zamboanga the obvious pick if budget is a priority.

On paper, salaries run 13% 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: $1,078 in Ubud, Bali versus $250 in Zamboanga. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $131 in Zamboanga. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 70% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $714 in Zamboanga versus $1,331 in Ubud, Bali, a $1,000 budget is realistic in Zamboanga but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zamboanga 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.