Last update: Oct 2026

Cost of Living Comparison Between Cemagi, Bali and Karachi

For one person, living is cheaper in Karachi: $490 a month against $1,136 in Cemagi, Bali, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

56

Cost of Living Index in Cemagi, Bali
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Cemagi, Bali Living Index
23

Cost of Living Index in Karachi
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Karachi Living Index

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Cemagi, Bali

🇮🇩 Indonesia

$1,136

/mo nomad

Karachi

🇵🇰 Pakistan

$490

/mo nomad

Monthly Cost of Living

How much you'll spend in Cemagi, Bali and in Karachi

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

Monthly costs for one person with rent: $1,136 in Cemagi, Bali versus $490 in Karachi.

Cemagi, Bali $1,136
Karachi $490

Estimated couple costs with rent: $1,946 in Cemagi, Bali versus $755 in Karachi.

Cemagi, Bali $1,946
Karachi $755

Monthly costs for a family of three with rent: $2,756 in Cemagi, Bali versus $1,019 in Karachi.

Cemagi, Bali $2,756
Karachi $1,019

Living in Cemagi, Bali is roughly 132% more expensive than in Karachi, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Cemagi, Bali 15% lower, Karachi 63% lower.

Meal at Budget Restaurant

$2.72 Rp 48.5K

$2.15 PKR 596

26.51%

Three-Course Dinner for Two, Mid-Range

$29.86 Rp 533.8K

$13.37 PKR 3,700

123.34%

Fast Food Meal (McDonalds, etc)

$4.63 Rp 82.8K

$5.29 PKR 1,464

-12.48%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.19 PKR 606

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.25 PKR 2,005

Cappuccino

$2.22 Rp 39.7K

$2.11 PKR 583

5.21%

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

$1.37 Rp 24.5K

$0.37 PKR 103

270.27%

Water (0.33 liter bottle)

$0.66 Rp 11.7K

$0.28 PKR 78.2

135.71%

Local Beer (0.5 liter draught)

$2.27 Rp 40.6K

Imported Beer (0.33 liter bottle)

$3.76 Rp 67.3K

Milk (1 liter)

$1.50 Rp 26.8K

$0.86 PKR 238

74.42%

White Bread (500g)

$2.12 Rp 37.9K

$0.52 PKR 144

307.69%

Rice (white) (1kg)

$1.11 Rp 19.8K

$1.24 PKR 344

-10.48%

Eggs

$2.05 Rp 36.6K

$1.24 PKR 342

65.32%

Local Cheese (1kg)

$16.80 Rp 300.3K

$5.86 PKR 1,622

186.69%

Chicken Fillets (1kg)

$3.69 Rp 66.0K

$3.12 PKR 862

18.27%

Beef Round Steak (1kg)

$11.44 Rp 204.4K

$6.25 PKR 1,731

83.04%

Apples (1kg)

$3.38 Rp 60.4K

$1.29 PKR 356

162.02%

Banana (1kg)

$1.52 Rp 27.2K

$0.54 PKR 150

181.48%

Oranges (1kg)

$2.25 Rp 40.2K

$0.99 PKR 273

127.27%

Tomato (1kg)

$1.83 Rp 32.6K

$0.56 PKR 155

226.79%

Potato (1kg)

$1.73 Rp 30.9K

$0.33 PKR 91.6

424.24%

Onion (1kg)

$2.31 Rp 41.4K

$0.35 PKR 95.9

560.00%

Lettuce (1 head)

$0.95 Rp 17.0K

$0.45 PKR 124

111.11%

Water (1.5 liter bottle)

$0.47 Rp 8,485

$0.44 PKR 121

6.82%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.23 PKR 341

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.37 PKR 381

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.44 PKR 676

Cigarettes 20 Pack (Marlboro, Camel)

$2.15 Rp 38.5K

$1.79 PKR 497

20.11%

Wine (Bottle)

$21.48 Rp 384.0K

Local Beer (0.5 liter bottle)

$2.17 Rp 38.7K

Imported Beer (0.33 liter bottle)

$2.89 Rp 51.7K

One-way Ticket (Public Transport)

$0.29 Rp 5,240

$0.28 PKR 76.5

3.57%

Public Transport Monthly Pass (Regular Price)

$8.93 Rp 159.6K

$9.68 PKR 2,679

-7.75%

Taxi Start (Normal Tariff)

$0.52 Rp 9,358

$0.92 PKR 255

-43.48%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,362

$0.71 PKR 196

-33.80%

Taxi 1hour Waiting (Normal Tariff)

$2.56 Rp 45.8K

$2.22 PKR 615

15.32%

Gasoline (1 liter)

$0.92 Rp 16.4K

$1.35 PKR 372

-31.85%

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

$26.6K Rp 475.0M

$17.8K PKR 4.9M

48.95%

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

$33.8K Rp 603.3M

$26.7K PKR 7.4M

26.22%

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

$81.2 Rp 1.5M

$112 PKR 30.9K

-27.33%

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

$6.30 Rp 112.7K

$6.05 PKR 1,673

4.13%

Internet (50+ Mbps, Unlimited Data)

$18.85 Rp 337.0K

$13.29 PKR 3,679

41.84%

Gym Membership (Monthly)

$50.1 Rp 896.1K

$21.51 PKR 5,954

133.05%

Tennis Court (1 Hour on Weekend)

$16.46 Rp 294.2K

$17.80 PKR 4,927

-7.53%

Cinema Ticket

$4.01 Rp 71.7K

$4.42 PKR 1,222

-9.28%

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

$472 Rp 8.4M

$50.7 PKR 14.0K

829.61%

International Primary School, 1 Child (Yearly)

$5,550 Rp 99.2M

$1,957 PKR 541.6K

183.59%

Jeans (Levis 501 Or Similar)

$44.23 Rp 790.6K

$17.57 PKR 4,862

151.74%

Summer Dress (H&M, Zara, etc)

$33.13 Rp 592.2K

$22.78 PKR 6,304

45.43%

Sport Shoes (Adidas, Nike)

$76.7 Rp 1.4M

$67.6 PKR 18.7K

13.57%

Men's Leather Business Shoes

$76.3 Rp 1.4M

$40.97 PKR 11.3K

86.26%

1-bedroom Apartment, City Center (Monthly)

$839 Rp 15.0M

$117 PKR 32.5K

615.66%

1-bedroom Apartment, Outside City Center (Monthly)

$502 Rp 9.0M

$75.7 PKR 21.0K

562.82%

3-bedroom Apartment, City Center (Monthly)

$2,655 Rp 47.5M

$365 PKR 101.1K

626.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,287 Rp 23.0M

$182 PKR 50.5K

605.93%

Buy Apartment in City Center (m2)

$2,018 Rp 36.1M

$1,054 PKR 291.6K

91.51%

Buy Apartment Outside City Center (m2)

$1,714 Rp 30.6M

$491 PKR 135.8K

249.40%

Average Monthly Net Salary (After Tax)

$185 PKR 51.2K

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.21

4.31%

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

Last update for Cemagi, Bali: October 3, 2026

Last update for Karachi: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Cemagi, Bali

$502 43.7%

Karachi

$76 15.7% 84.9% $426

Groceries & Markets

Cemagi, Bali

$275 24%

Karachi

$101 20.9% 63.4% $174

Monthly Utilities & Internet

Cemagi, Bali

$106 9.3%

Karachi

$131 27.3% 23.2% $25

Clothing & Footwear

Cemagi, Bali

$104 9%

Karachi

$67 13.9% 35.4% $37

Eating Out

Cemagi, Bali

$89 7.8%

Karachi

$61 12.7% 31.7% $28

Sport & Entertainment

Cemagi, Bali

$58 5.1%

Karachi

$30 6.3% 47.8% $28

Getting Around

Cemagi, Bali

$13 1.1%

Karachi

$15 3.2% 17.6% $2.3

Cost Breakdown

A one-bedroom apartment in the center runs $839 in Cemagi, Bali and $117 in Karachi. Housing cost is often the main lever when comparing two cities.

Dining out: $30.00 in Cemagi, Bali vs $13.00 in Karachi for a mid-range dinner for two. Groceries echo the gap at $275 vs $101 per month, with Karachi cheaper across the board.

Good to know

🇮🇩 Cemagi, Bali

🇵🇰 Karachi

🕒 Local time

11:30 11:30 AM

08:30 8:30 AM

3 h behind Cemagi, Bali

🌤 Weather

👥 Population

4,824

14,910,352

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.22 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

Pakistani Rupee exchange rates as of October 10, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 310 PKR (1,000 PKR = 3.22 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Cemagi, Bali Karachi 6,400 km ≈ 9 h nonstop flight

From you

Cemagi, Bali
Karachi

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

Cemagi, Bali vs Karachi: Cost of Living - Frequently Asked Questions

Cemagi, Bali and Karachi differ by about 132% in total monthly costs ($1,136 vs $490 including rent). Karachi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,704 in Cemagi, Bali and $735 in Karachi to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $839 in Cemagi, Bali versus $117 in Karachi. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $472 in Cemagi, Bali versus $50.7 in Karachi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 173% higher in Cemagi, Bali. For households that cook at home regularly, that difference adds up over a month.

At $490 in Karachi versus $1,136 in Cemagi, Bali, a $2,000 budget is realistic in Karachi but tight or insufficient in Cemagi, Bali. The gap between the two cities makes Karachi 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.

Safety-wise, Cemagi, Bali and Karachi are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Karachi gentler on the wallet – expenses run 132% less than in Cemagi, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.