Last update: Oct 2026

Cost of Living Comparison Between Bali and Dharwad

For one person, living is cheaper in Dharwad: $374 a month against $1,187 in Bali, rent and utilities included – about $9,800 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Bali
Learn more

Bali Living Index
18

Cost of Living Index in Dharwad
Learn more

Dharwad Living Index

Jump to prices

Bali

🇮🇩 Indonesia

$1,187

/mo nomad

Dharwad

🇮🇳 India

$374

/mo nomad

Monthly Cost of Living

How much you'll spend in Bali and in Dharwad

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

A single person spends $1,187 per month in Bali vs $374 in Dharwad, rent included.

Bali $1,187
Dharwad $374

A couple spends around $2,004 per month in Bali vs $592 in Dharwad, rent included.

Bali $2,004
Dharwad $592

A family of three spends $2,822 per month in Bali vs $809 in Dharwad, rent included.

Bali $2,822
Dharwad $809

Bali costs about 217% more than Dharwad, and outside of rent the biggest gap is in groceries.

Both Bali and Dharwad are more affordable than the global median – Bali 12% lower, Dharwad 72% lower.

Meal at Budget Restaurant

$2.80 Rp 50.7K

$3.31 ₹311

-15.41%

Three-Course Dinner for Two, Mid-Range

$28.85 Rp 522.3K

$7.24 ₹680

298.48%

Fast Food Meal (McDonalds, etc)

$4.76 Rp 86.2K

$3.76 ₹353

26.60%

Cappuccino

$2.23 Rp 40.4K

$1.64 ₹154

35.98%

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

$1.30 Rp 23.5K

$0.38 ₹35.63

242.11%

Water (0.33 liter bottle)

$0.56 Rp 10.2K

$0.10 ₹9.60

460.00%

Local Beer (0.5 liter draught)

$2.23 Rp 40.5K

$1.55 ₹145

43.87%

Imported Beer (0.33 liter bottle)

$3.55 Rp 64.3K

$2.93 ₹275

21.16%

Milk (1 liter)

$1.41 Rp 25.4K

$0.68 ₹64.0

107.35%

White Bread (500g)

$2.18 Rp 39.5K

$0.44 ₹41.41

395.45%

Rice (white) (1kg)

$1.05 Rp 18.9K

$0.69 ₹64.6

52.17%

Eggs

$1.92 Rp 34.8K

$0.84 ₹79.2

128.57%

Local Cheese (1kg)

$14.84 Rp 268.7K

$4.64 ₹436

219.83%

Chicken Fillets (1kg)

$3.86 Rp 69.9K

$2.92 ₹274

32.19%

Beef Round Steak (1kg)

$10.69 Rp 193.4K

Apples (1kg)

$3.34 Rp 60.4K

$1.87 ₹176

78.61%

Banana (1kg)

$1.46 Rp 26.4K

$0.63 ₹59.0

131.75%

Oranges (1kg)

$2.22 Rp 40.3K

$0.94 ₹88.4

136.17%

Tomato (1kg)

$1.80 Rp 32.7K

$0.45 ₹42.30

300.00%

Potato (1kg)

$1.72 Rp 31.1K

$0.35 ₹33.32

391.43%

Onion (1kg)

$2.23 Rp 40.3K

$0.38 ₹35.23

486.84%

Lettuce (1 head)

$0.92 Rp 16.6K

$0.47 ₹43.84

95.74%

Water (1.5 liter bottle)

$0.46 Rp 8,333

$0.31 ₹29.40

48.39%

Cigarettes 20 Pack (Marlboro, Camel)

$2.06 Rp 37.2K

$4.99 ₹469

-58.72%

Wine (Bottle)

$20.38 Rp 368.9K

$7.48 ₹702

172.46%

Local Beer (0.5 liter bottle)

$2.16 Rp 39.2K

$1.66 ₹156

30.12%

Imported Beer (0.33 liter bottle)

$2.85 Rp 51.6K

$2.74 ₹257

4.01%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$5.06 ₹475

One-way Ticket (Public Transport)

$0.25 Rp 4,544

$0.21 ₹19.64

19.05%

Public Transport Monthly Pass (Regular Price)

$8.68 Rp 157.2K

$7.05 ₹662

23.12%

Taxi Start (Normal Tariff)

$0.44 Rp 7,980

$0.80 ₹75.3

-45.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,789

$0.27 ₹25.51

59.26%

Taxi 1hour Waiting (Normal Tariff)

$5.38 Rp 97.5K

$1.60 ₹150

236.25%

Gasoline (1 liter)

$0.85 Rp 15.4K

$1.13 ₹106

-24.78%

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

$23.7K Rp 429.8M

$11.4K ₹1.1M

108.90%

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

$32.9K Rp 594.7M

$19.6K ₹1.8M

67.74%

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

$76.7 Rp 1.4M

$34.36 ₹3,226

123.34%

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

$6.33 Rp 114.5K

$3.17 ₹298

99.68%

Internet (50+ Mbps, Unlimited Data)

$18.93 Rp 342.7K

$5.62 ₹528

236.83%

Gym Membership (Monthly)

$41.65 Rp 754.0K

$13.98 ₹1,313

197.93%

Tennis Court (1 Hour on Weekend)

$14.78 Rp 267.5K

$6.46 ₹607

128.79%

Cinema Ticket

$3.58 Rp 64.8K

$2.87 ₹270

24.74%

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

$437 Rp 7.9M

$45.89 ₹4,309

851.88%

International Primary School, 1 Child (Yearly)

$11.0K Rp 199.8M

$1,414 ₹132.8K

680.48%

Jeans (Levis 501 Or Similar)

$43.09 Rp 780.0K

$21.93 ₹2,059

96.49%

Summer Dress (H&M, Zara, etc)

$33.51 Rp 606.6K

$23.56 ₹2,213

42.23%

Sport Shoes (Adidas, Nike)

$75.0 Rp 1.4M

$39.27 ₹3,687

91.06%

Men's Leather Business Shoes

$73.9 Rp 1.3M

$28.39 ₹2,666

160.13%

1-bedroom Apartment, City Center (Monthly)

$957 Rp 17.3M

$119 ₹11.2K

702.72%

1-bedroom Apartment, Outside City Center (Monthly)

$570 Rp 10.3M

$76.5 ₹7,186

644.67%

3-bedroom Apartment, City Center (Monthly)

$3,028 Rp 54.8M

$263 ₹24.7K

1049.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,446 Rp 26.2M

$185 ₹17.3K

682.47%

Buy Apartment in City Center (m2)

$2,096 Rp 37.9M

$932 ₹87.5K

124.81%

Buy Apartment Outside City Center (m2)

$1,885 Rp 34.1M

$536 ₹50.3K

251.65%

Average Monthly Net Salary (After Tax)

$215 Rp 3.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.86

55.53%

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

Last update for Bali: October 31, 2026

Last update for Dharwad: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Bali

$570 48%

Dharwad

$77 20.4% 86.6% $493

Groceries & Markets

Bali

$263 22.2%

Dharwad

$101 27% 61.5% $162

Monthly Utilities & Internet

Bali

$102 8.6%

Dharwad

$43 11.5% 57.7% $59

Clothing & Footwear

Bali

$101 8.6%

Dharwad

$51 13.6% 49.8% $51

Eating Out

Bali

$89 7.5%

Dharwad

$73 19.5% 18.2% $16

Sport & Entertainment

Bali

$49 4.1%

Dharwad

$20 5.3% 59.6% $29

Getting Around

Bali

$12 1%

Dharwad

$10 2.7% 18.2% $2.2

Cost Breakdown

A central one-bedroom costs $957 in Bali versus $119 in Dharwad. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $29 in Bali versus $7 in Dharwad. Monthly groceries follow the same trend: $263 vs $101 – making Dharwad the more affordable choice for daily food spending.

Good to know

🇮🇩 Bali

🇮🇳 Dharwad

🕒 Local time

02:26 2:26 AM

23:56 11:56 PM

2 h 30 min behind Bali

🌤 Weather

👥 Population

100,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.48 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,331 IDR (100,000 IDR = 4.92 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 93.9 INR (100 INR = 1.06 USD). 1 EUR = 105 INR (1,000 INR = 9.48 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Bali Dharwad 5,170 km ≈ 7 h nonstop flight

From you

Bali
Dharwad

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

Bali vs Dharwad: Cost of Living - Frequently Asked Questions

Bali costs about 217% more than Dharwad, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,780 per month in Bali and $562 in Dharwad. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Dharwad, especially for central apartments: a one-bedroom in the center costs $119 there versus $957 in Bali.

A mid-range dinner for two costs $29 in Bali and $7 in Dharwad. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,187 in Bali and $374 in Dharwad. That makes Dharwad about 68% cheaper.

Families tend to lean toward Dharwad – 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.

For expats, Dharwad is the easier option financially – housing and daily costs are lower, and overall it costs about 68% less, which matters a lot on a fixed budget or early-career salary.