Last update: Oct 2026

Cost of Living Comparison Between Zamboanga and Ubud, Bali

For one person, living is cheaper in Zamboanga: $734 a month against $1,349 in Ubud, Bali, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

35

Cost of Living Index in Zamboanga
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Zamboanga Living Index
65

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

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Zamboanga

🇵🇭 Philippines

$734

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Zamboanga and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $734 in Zamboanga versus $1,349 in Ubud, Bali.

Zamboanga $734
Ubud, Bali $1,349

Estimated couple costs with rent: $1,106 in Zamboanga versus $2,305 in Ubud, Bali.

Zamboanga $1,106
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,478 in Zamboanga versus $3,261 in Ubud, Bali.

Zamboanga $1,478
Ubud, Bali $3,261

Living in Zamboanga costs roughly 46% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$1.31 ₱82.9

$3.32 Rp 60.3K

-60.54%

Three-Course Dinner for Two, Mid-Range

$16.01 ₱1,015

$35.64 Rp 647.3K

-55.08%

Fast Food Meal (McDonalds, etc)

$3.32 ₱210

$5.53 Rp 100.5K

-39.96%

Cappuccino

$2.01 ₱127

$2.72 Rp 49.4K

-26.10%

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

$0.84 ₱53.2

$1.70 Rp 30.9K

-50.59%

Water (0.33 liter bottle)

$0.40 ₱25.13

$0.76 Rp 13.8K

-47.37%

Local Beer (0.5 liter draught)

$1.43 ₱90.9

$2.65 Rp 48.2K

-46.04%

Imported Beer (0.33 liter bottle)

$2.03 ₱129

$4.38 Rp 79.6K

-53.65%

Milk (1 liter)

$1.78 ₱113

$1.49 Rp 27.1K

19.46%

White Bread (500g)

$1.41 ₱89.3

$2.28 Rp 41.3K

-38.16%

Rice (white) (1kg)

$1.10 ₱69.6

$1.19 Rp 21.6K

-7.56%

Eggs

$1.50 ₱95.1

$2.04 Rp 37.0K

-26.47%

Local Cheese (1kg)

$10.18 ₱645

$17.70 Rp 321.5K

-42.49%

Chicken Fillets (1kg)

$3.98 ₱252

$3.96 Rp 72.0K

0.51%

Beef Round Steak (1kg)

$3.28 ₱208

$12.19 Rp 221.4K

-73.09%

Apples (1kg)

$3.11 ₱197

$3.66 Rp 66.4K

-15.03%

Banana (1kg)

$1.18 ₱74.8

$1.52 Rp 27.6K

-22.37%

Oranges (1kg)

$3.72 ₱236

$2.23 Rp 40.5K

66.82%

Tomato (1kg)

$1.13 ₱71.9

$1.97 Rp 35.8K

-42.64%

Potato (1kg)

$1.22 ₱77.6

$1.85 Rp 33.6K

-34.05%

Onion (1kg)

$2.50 ₱159

$2.42 Rp 44.0K

3.31%

Lettuce (1 head)

$0.86 ₱54.7

$0.99 Rp 18.0K

-13.13%

Water (1.5 liter bottle)

$0.49 ₱31.28

$0.51 Rp 9,324

-3.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.66 ₱169

$2.22 Rp 40.4K

19.82%

Wine (Bottle)

$4.06 ₱257

$22.24 Rp 403.9K

-81.74%

Local Beer (0.5 liter bottle)

$1.28 ₱81.4

$2.26 Rp 41.0K

-43.36%

Imported Beer (0.33 liter bottle)

$1.95 ₱124

$2.97 Rp 53.9K

-34.34%

One-way Ticket (Public Transport)

$0.21 ₱13.19

$0.25 Rp 4,559

-16.00%

Public Transport Monthly Pass (Regular Price)

$14.20 ₱900

$7.82 Rp 142.1K

81.59%

Taxi Start (Normal Tariff)

$0.75 ₱47.76

$0.44 Rp 7,982

70.45%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.03

$0.43 Rp 7,811

-48.84%

Taxi 1hour Waiting (Normal Tariff)

$1.62 ₱103

$5.41 Rp 98.2K

-70.06%

Gasoline (1 liter)

$1.00 ₱63.6

$0.82 Rp 15.0K

21.95%

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

$20.0K ₱1.3M

$23.8K Rp 433.0M

-16.07%

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

$17.5K ₱1.1M

$31.7K Rp 576.6M

-44.74%

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

$118 ₱7,496

$79.1 Rp 1.4M

49.60%

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

$15.99 ₱1,013

$6.45 Rp 117.1K

147.91%

Internet (50+ Mbps, Unlimited Data)

$47.02 ₱2,980

$18.58 Rp 337.4K

153.07%

Gym Membership (Monthly)

$35.45 ₱2,247

$49.48 Rp 898.7K

-28.35%

Tennis Court (1 Hour on Weekend)

$5.16 ₱327

$17.65 Rp 320.5K

-70.76%

Cinema Ticket

$5.19 ₱329

$4.27 Rp 77.6K

21.55%

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

$129 ₱8,191

$491 Rp 8.9M

-73.66%

International Primary School, 1 Child (Yearly)

$7,770 ₱492.5K

$5,674 Rp 103.0M

36.95%

Jeans (Levis 501 Or Similar)

$32.17 ₱2,039

$44.64 Rp 810.7K

-27.93%

Summer Dress (H&M, Zara, etc)

$20.70 ₱1,312

$34.95 Rp 634.8K

-40.77%

Sport Shoes (Adidas, Nike)

$69.3 ₱4,389

$79.9 Rp 1.5M

-13.33%

Men's Leather Business Shoes

$55.4 ₱3,508

$79.4 Rp 1.4M

-30.31%

1-bedroom Apartment, City Center (Monthly)

$254 ₱16.1K

$1,125 Rp 20.4M

-77.39%

1-bedroom Apartment, Outside City Center (Monthly)

$167 ₱10.6K

$671 Rp 12.2M

-75.16%

3-bedroom Apartment, City Center (Monthly)

$334 ₱21.1K

$3,565 Rp 64.7M

-90.64%

3-bedroom Apartment, Outside City Center (Monthly)

$350 ₱22.2K

$1,723 Rp 31.3M

-79.72%

Buy Apartment in City Center (m2)

$2,716 ₱172.2K

$2,732 Rp 49.6M

-0.56%

Buy Apartment Outside City Center (m2)

$1,102 ₱69.8K

$2,284 Rp 41.5M

-51.75%

Average Monthly Net Salary (After Tax)

$186 ₱11.8K

$164 Rp 3.0M

13.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.92

13.78

-49.78%

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

Last update for Zamboanga: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Zamboanga

$182 24.8%

Ubud, Bali

$288 21.4% 58.2% $106

Monthly Utilities & Internet

Zamboanga

$181 24.7%

Ubud, Bali

$104 7.7% 42.6% $77

Accommodation & Living

Zamboanga

$167 22.7%

Ubud, Bali

$672 49.8% 303% $505

Clothing & Footwear

Zamboanga

$80 10.9%

Ubud, Bali

$108 8% 34.6% $28

Eating Out

Zamboanga

$61 8.3%

Ubud, Bali

$108 8% 77.5% $47

Sport & Entertainment

Zamboanga

$46 6.3%

Ubud, Bali

$58 4.3% 26.6% $12

Getting Around

Zamboanga

$17 2.3%

Ubud, Bali

$11 0.9% 32.4% $5.5

Cost Breakdown

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

Zamboanga pays 14% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $16 in Zamboanga vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $182 vs $288 per month, with Zamboanga cheaper across the board.

Good to know

🇵🇭 Zamboanga

🇮🇩 Ubud, Bali

🕒 Local time

11:20 11:20 AM

Same time as Zamboanga

🌤 Weather

👥 Population

74,800

💱 Currency

Philippine Peso PHP ₱

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 PHP = 1.58 USD

100 PHP = 1.41 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.91 EUR

Exchange rates and currency converter

IDR, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of November 3, 2026: 1 USD = 63.38 PHP (100 PHP = 1.58 USD). 1 EUR = 71.04 PHP (100 PHP = 1.41 EUR).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,161 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,355 IDR (100,000 IDR = 4.91 EUR).

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

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

From you

Zamboanga
Ubud, Bali

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

Zamboanga vs Ubud, Bali: 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.

Average pay runs 14% higher in Zamboanga, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $254 in Zamboanga versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $129 in Zamboanga versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

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

At $734 in Zamboanga versus $1,349 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.