Last update: Oct 2026

Cost of Living Comparison Between Carmel, IN and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,572 in Carmel, IN, rent and utilities included – about $14,700 less a year. Rent and utilities account for about half of the difference.

125

Cost of Living Index in Carmel, IN
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Carmel, IN Living Index
66

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

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Carmel, IN

🇺🇸 United States

$2,572

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

How much you'll spend in Carmel, IN 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 Carmel, IN and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $2,572 per month in Carmel, IN vs $1,348 in Ubud, Bali, rent included.

Carmel, IN $2,572
Ubud, Bali $1,348

A couple spends around $3,988 per month in Carmel, IN vs $2,312 in Ubud, Bali, rent included.

Carmel, IN $3,988
Ubud, Bali $2,312

A family of three spends $5,404 per month in Carmel, IN vs $3,276 in Ubud, Bali, rent included.

Carmel, IN $5,404
Ubud, Bali $3,276

Carmel, IN costs about 91% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Carmel, IN and Ubud, Bali sit above the global median – Carmel, IN by 92%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$20.22 $20.22

$3.33 Rp 59.6K

507.21%

Three-Course Dinner for Two, Mid-Range

$80.6 $80.6

$35.42 Rp 633.1K

127.44%

Fast Food Meal (McDonalds, etc)

$9.87 $9.87

$5.76 Rp 102.9K

71.35%

Cappuccino

$4.84 $4.84

$2.63 Rp 47.0K

84.03%

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

$2.70 $2.70

$1.74 Rp 31.0K

55.17%

Water (0.33 liter bottle)

$2.05 $2.05

$0.77 Rp 13.8K

166.23%

Local Beer (0.5 liter draught)

$5.90 $5.90

$2.71 Rp 48.4K

117.71%

Imported Beer (0.33 liter bottle)

$7.40 $7.40

$4.52 Rp 80.8K

63.72%

Milk (1 liter)

$0.90 $0.90

$1.53 Rp 27.4K

-41.18%

White Bread (500g)

$3.41 $3.41

$2.20 Rp 39.2K

55.00%

Rice (white) (1kg)

$4.88 $4.88

$1.22 Rp 21.8K

300.00%

Eggs

$4.05 $4.05

$2.14 Rp 38.2K

89.25%

Local Cheese (1kg)

$12.45 $12.45

$17.73 Rp 316.9K

-29.78%

Chicken Fillets (1kg)

$10.97 $10.97

$3.86 Rp 68.9K

184.20%

Beef Round Steak (1kg)

$16.28 $16.28

$12.03 Rp 215.0K

35.33%

Apples (1kg)

$5.62 $5.62

$3.61 Rp 64.5K

55.68%

Banana (1kg)

$1.53 $1.53

$1.51 Rp 27.1K

1.32%

Oranges (1kg)

$4.40 $4.40

$2.32 Rp 41.4K

89.66%

Tomato (1kg)

$4.32 $4.32

$2.00 Rp 35.8K

116.00%

Potato (1kg)

$2.54 $2.54

$1.81 Rp 32.4K

40.33%

Onion (1kg)

$2.98 $2.98

$2.39 Rp 42.7K

24.69%

Lettuce (1 head)

$2.03 $2.03

$0.99 Rp 17.8K

105.05%

Water (1.5 liter bottle)

$2.47 $2.47

$0.52 Rp 9,373

375.00%

Cigarettes 20 Pack (Marlboro, Camel)

$10.52 $10.52

$2.18 Rp 39.0K

382.57%

Wine (Bottle)

$14.71 $14.71

$22.98 Rp 410.7K

-35.99%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$2.40 Rp 42.8K

-10.00%

Imported Beer (0.33 liter bottle)

$3.52 $3.52

$3.00 Rp 53.6K

17.33%

One-way Ticket (Public Transport)

$2.52 $2.52

$0.24 Rp 4,255

950.00%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$2.03 $2.03

$0.44 Rp 7,876

361.36%

Taxi (Normal Tariff) (1km)

$1.21 $1.21

$0.42 Rp 7,582

188.10%

Taxi 1hour Waiting (Normal Tariff)

$24.61 $24.61

$5.45 Rp 97.4K

351.56%

Gasoline (1 liter)

$0.92 $0.92

$0.84 Rp 15.1K

9.52%

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

$36.0K $36.0K

$24.3K Rp 434.8M

47.81%

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

$25.5K $25.5K

$31.9K Rp 570.0M

-19.93%

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

$232 $232

$80.8 Rp 1.4M

187.10%

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

$68.7 $68.7

$6.58 Rp 117.6K

944.53%

Internet (50+ Mbps, Unlimited Data)

$67.2 $67.2

$18.24 Rp 326.1K

268.20%

Gym Membership (Monthly)

$69.3 $69.3

$55.1 Rp 985.4K

25.78%

Tennis Court (1 Hour on Weekend)

$32.58 $32.58

$18.51 Rp 330.9K

76.01%

Cinema Ticket

$14.96 $14.96

$4.24 Rp 75.9K

252.83%

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

$1,752 $1,752

$486 Rp 8.7M

260.67%

International Primary School, 1 Child (Yearly)

$19.3K $19.3K

$5,676 Rp 101.5M

239.30%

Jeans (Levis 501 Or Similar)

$50.1 $50.1

$45.18 Rp 807.6K

10.85%

Summer Dress (H&M, Zara, etc)

$45.27 $45.27

$34.57 Rp 617.9K

30.95%

Sport Shoes (Adidas, Nike)

$85.2 $85.2

$79.2 Rp 1.4M

7.59%

Men's Leather Business Shoes

$109 $109

$77.6 Rp 1.4M

40.92%

1-bedroom Apartment, City Center (Monthly)

$1,459 $1,459

$1,127 Rp 20.1M

29.53%

1-bedroom Apartment, Outside City Center (Monthly)

$1,238 $1,238

$674 Rp 12.1M

83.69%

3-bedroom Apartment, City Center (Monthly)

$2,584 $2,584

$3,618 Rp 64.7M

-28.59%

3-bedroom Apartment, Outside City Center (Monthly)

$2,442 $2,442

$1,735 Rp 31.0M

40.80%

Buy Apartment in City Center (m2)

$1,874 $1,874

$2,829 Rp 50.6M

-33.75%

Buy Apartment Outside City Center (m2)

$1,781 $1,781

$2,307 Rp 41.2M

-22.78%

Average Monthly Net Salary (After Tax)

$6,317 $6,317

$166 Rp 3.0M

3712.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.59

13.78

-52.18%

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

Last update for Carmel, IN: October 4, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Carmel, IN

$1.2K 48.3%

Ubud, Bali

$674 49.6% 45.6% $564

Groceries & Markets

Carmel, IN

$395 15.4%

Ubud, Bali

$290 21.4% 26.5% $105

Monthly Utilities & Internet

Carmel, IN

$368 14.4%

Ubud, Bali

$106 7.8% 71.3% $262

Eating Out

Carmel, IN

$313 12.2%

Ubud, Bali

$108 8% 65.4% $205

Clothing & Footwear

Carmel, IN

$130 5.1%

Ubud, Bali

$106 7.8% 18.4% $24

Sport & Entertainment

Carmel, IN

$99 3.9%

Ubud, Bali

$64 4.7% 35.9% $36

Getting Around

Carmel, IN

$18 * 0.7%

Ubud, Bali

$11 0.8% 42.1% $7.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,459 in Carmel, IN versus $1,127 in Ubud, Bali. 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 3713% higher in Carmel, IN, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $81.0 in Carmel, IN versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $395 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇺🇸 Carmel, IN

🇮🇩 Ubud, Bali

🕒 Local time

13:51 1:51 PM

01:51 1:51 AM

12 h ahead of Carmel, IN

🌤 Weather

👥 Population

99,757

74,800

💱 Currency

United States Dollar USD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 USD = 0.892 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

Exchange rates and currency converter

IDR, EUR to USD – United States Dollar Converter

🇮🇩 Indonesian Rupiah (Rp)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

IDR to USD in detail →

On the map

Lowest

Highest

Between locations

Carmel, IN Ubud, Bali 15,920 km ≈ 20 h nonstop flight

From you

Carmel, IN
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

Carmel, IN vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,572 in Carmel, IN, $1,348 in Ubud, Bali – roughly 91% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $3,858 per month in Carmel, IN and $2,022 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $81.0 in Carmel, IN and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 36% more in Carmel, IN, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,348, than in Carmel, IN at $2,572. In Ubud, Bali it covers expenses comfortably, while in Carmel, IN it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,348 in Ubud, Bali to $2,572 in Carmel, IN. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Carmel, IN makes more sense. Both are solid long-term options with distinct trade-offs.