Last update: Oct 2026

Cost of Living Comparison Between Bali and Karwar

For one person, living is cheaper in Karwar: $359 a month against $1,187 in Bali, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Bali
Learn more

Bali Living Index
17

Cost of Living Index in Karwar
Learn more

Karwar Living Index

Jump to prices

Bali

🇮🇩 Indonesia

$1,187

/mo nomad

Karwar

🇮🇳 India

$359

/mo nomad

Monthly Cost of Living

How much you'll spend in Bali and in Karwar

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

A single person spends $1,187 per month in Bali vs $359 in Karwar, rent included.

Bali $1,187
Karwar $359

A couple spends around $2,004 per month in Bali vs $585 in Karwar, rent included.

Bali $2,004
Karwar $585

A family of three spends $2,822 per month in Bali vs $810 in Karwar, rent included.

Bali $2,822
Karwar $810

Bali costs about 230% more than Karwar, and outside of rent the biggest gap is in groceries.

Both Bali and Karwar are more affordable than the global median – Bali 12% lower, Karwar 73% lower.

Meal at Budget Restaurant

$2.80 Rp 50.5K

$3.20 ₹301

-12.50%

Three-Course Dinner for Two, Mid-Range

$28.85 Rp 519.4K

$11.78 ₹1,106

144.91%

Fast Food Meal (McDonalds, etc)

$4.76 Rp 85.8K

$4.24 ₹399

12.26%

Cappuccino

$2.23 Rp 40.2K

$1.97 ₹185

13.20%

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

$1.30 Rp 23.3K

$0.40 ₹37.41

225.00%

Water (0.33 liter bottle)

$0.56 Rp 10.2K

$0.17 ₹15.66

229.41%

Local Beer (0.5 liter draught)

$2.23 Rp 40.2K

$2.16 ₹202

3.24%

Imported Beer (0.33 liter bottle)

$3.55 Rp 63.9K

$2.30 ₹216

54.35%

Milk (1 liter)

$1.41 Rp 25.3K

$0.51 ₹47.54

176.47%

White Bread (500g)

$2.18 Rp 39.3K

$0.41 ₹38.12

431.71%

Rice (white) (1kg)

$1.05 Rp 18.8K

$0.59 ₹55.1

77.97%

Eggs

$1.92 Rp 34.6K

$0.89 ₹84.0

115.73%

Local Cheese (1kg)

$14.84 Rp 267.2K

$3.63 ₹341

308.82%

Chicken Fillets (1kg)

$3.86 Rp 69.5K

$2.51 ₹236

53.78%

Beef Round Steak (1kg)

$10.69 Rp 192.4K

Apples (1kg)

$3.34 Rp 60.1K

$1.53 ₹144

118.30%

Banana (1kg)

$1.46 Rp 26.3K

$0.62 ₹58.6

135.48%

Oranges (1kg)

$2.22 Rp 40.0K

$0.87 ₹82.1

155.17%

Tomato (1kg)

$1.80 Rp 32.5K

$0.37 ₹34.35

386.49%

Potato (1kg)

$1.72 Rp 30.9K

$0.41 ₹38.08

319.51%

Onion (1kg)

$2.23 Rp 40.1K

$0.36 ₹33.71

519.44%

Lettuce (1 head)

$0.92 Rp 16.5K

$0.33 ₹31.23

178.79%

Water (1.5 liter bottle)

$0.46 Rp 8,288

$0.25 ₹23.21

84.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.06 Rp 37.0K

$3.85 ₹362

-46.49%

Wine (Bottle)

$20.38 Rp 366.9K

$4.10 ₹385

397.07%

Local Beer (0.5 liter bottle)

$2.16 Rp 39.0K

$1.48 ₹139

45.95%

Imported Beer (0.33 liter bottle)

$2.85 Rp 51.3K

$2.54 ₹238

12.20%

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

$5.15 ₹483

One-way Ticket (Public Transport)

$0.25 Rp 4,519

$0.21 ₹19.69

19.05%

Public Transport Monthly Pass (Regular Price)

$8.68 Rp 156.3K

$7.28 ₹684

19.23%

Taxi Start (Normal Tariff)

$0.44 Rp 7,936

$0.97 ₹91.0

-54.64%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,747

$0.22 ₹20.69

95.45%

Taxi 1hour Waiting (Normal Tariff)

$5.38 Rp 96.9K

$2.59 ₹243

107.72%

Gasoline (1 liter)

$0.85 Rp 15.3K

$1.12 ₹105

-24.11%

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

$23.7K Rp 427.4M

$11.1K ₹1.0M

113.28%

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

$32.9K Rp 591.4M

$19.6K ₹1.8M

67.48%

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

$76.7 Rp 1.4M

$28.14 ₹2,642

172.71%

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

$6.33 Rp 113.9K

$2.93 ₹275

116.04%

Internet (50+ Mbps, Unlimited Data)

$18.93 Rp 340.8K

$6.21 ₹583

204.83%

Gym Membership (Monthly)

$41.65 Rp 749.9K

$14.23 ₹1,336

192.69%

Tennis Court (1 Hour on Weekend)

$14.78 Rp 266.0K

$6.73 ₹632

119.61%

Cinema Ticket

$3.58 Rp 64.4K

$2.64 ₹248

35.61%

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

$437 Rp 7.9M

$55.8 ₹5,235

683.53%

International Primary School, 1 Child (Yearly)

$11.0K Rp 198.7M

$839 ₹78.8K

1215.30%

Jeans (Levis 501 Or Similar)

$43.09 Rp 775.7K

$29.85 ₹2,802

44.36%

Summer Dress (H&M, Zara, etc)

$33.51 Rp 603.2K

$27.77 ₹2,608

20.67%

Sport Shoes (Adidas, Nike)

$75.0 Rp 1.4M

$31.81 ₹2,987

135.87%

Men's Leather Business Shoes

$73.9 Rp 1.3M

$31.70 ₹2,976

132.97%

1-bedroom Apartment, City Center (Monthly)

$957 Rp 17.2M

$121 ₹11.4K

691.30%

1-bedroom Apartment, Outside City Center (Monthly)

$570 Rp 10.3M

$76.1 ₹7,146

648.78%

3-bedroom Apartment, City Center (Monthly)

$3,028 Rp 54.5M

$272 ₹25.5K

1013.28%

3-bedroom Apartment, Outside City Center (Monthly)

$1,446 Rp 26.0M

$187 ₹17.6K

671.86%

Buy Apartment in City Center (m2)

$2,096 Rp 37.7M

$915 ₹85.9K

129.15%

Buy Apartment Outside City Center (m2)

$1,885 Rp 33.9M

$542 ₹50.9K

247.62%

Average Monthly Net Salary (After Tax)

$215 Rp 3.9M

$463 ₹43.5K

-53.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.9

74.43%

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

Last update for Bali: October 31, 2026

Last update for Karwar: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Bali

$570 48%

Karwar

$76 21.2% 86.6% $494

Groceries & Markets

Bali

$263 22.2%

Karwar

$82 22.9% 68.8% $181

Monthly Utilities & Internet

Bali

$102 8.6%

Karwar

$37 10.4% 63.5% $65

Clothing & Footwear

Bali

$101 8.6%

Karwar

$55 15.2% 46.3% $47

Eating Out

Bali

$89 7.5%

Karwar

$80 22.2% 10.7% $9.6

Sport & Entertainment

Bali

$49 4.1%

Karwar

$20 5.4% 60% $29

Getting Around

Bali

$12 1%

Karwar

$10 2.8% 17% $2.1

Cost Breakdown

A central one-bedroom costs $957 in Bali versus $121 in Karwar. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Karwar are about 2.2 times higher, 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 $29 in Bali versus $12 in Karwar. Monthly groceries follow the same trend: $263 vs $82 – making Karwar the more affordable choice for daily food spending.

Good to know

🇮🇩 Bali

🇮🇳 Karwar

🕒 Local time

11:07 11:07 AM

08:37 8:37 AM

2 h 30 min behind Bali

🌤 Weather

👥 Population

60,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.55 USD

100,000 IDR = 4.97 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.53 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 7, 2026: 1 USD = 18,003 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,120 IDR (100,000 IDR = 4.97 EUR).

Indian Rupee exchange rates as of November 7, 2026: 1 USD = 93.89 INR (100 INR = 1.07 USD). 1 EUR = 105 INR (1,000 INR = 9.53 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Bali Karwar 5,220 km ≈ 7 h nonstop flight

From you

Bali
Karwar

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 Karwar: Cost of Living - Frequently Asked Questions

Bali costs about 230% more than Karwar, 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 $539 in Karwar. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karwar, especially for central apartments: a one-bedroom in the center costs $121 there versus $957 in Bali.

A mid-range dinner for two costs $29 in Bali and $12 in Karwar. 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 $359 in Karwar. That makes Karwar about 70% cheaper.

A $1,000 monthly budget goes further in Karwar, where all-in costs run around $359, than in Bali at $1,187. In Karwar it covers expenses comfortably, while in Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Karwar – 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, Karwar is the easier option financially – housing and daily costs are lower, and overall it costs about 70% less, which matters a lot on a fixed budget or early-career salary.