Last update: Nov 2026

Cost of Living Comparison Between Dharwad and Bali

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.

18

Cost of Living Index in Dharwad
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Dharwad Living Index
57

Cost of Living Index in Bali
Learn more

Bali Living Index

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Dharwad

🇮🇳 India

$374

/mo nomad

Bali

🇮🇩 Indonesia

$1,187

/mo nomad

Monthly Cost of Living

How much you'll spend in Dharwad and in Bali

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

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

Dharwad $374
Bali $1,187

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

Dharwad $592
Bali $2,004

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

Dharwad $809
Bali $2,822

Dharwad is about 68% cheaper than Bali, and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.31 ₹313

$2.80 Rp 50.6K

18.21%

Three-Course Dinner for Two, Mid-Range

$7.24 ₹684

$28.85 Rp 520.8K

-74.90%

Fast Food Meal (McDonalds, etc)

$3.76 ₹355

$4.76 Rp 86.0K

-21.01%

Cappuccino

$1.64 ₹155

$2.23 Rp 40.3K

-26.46%

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

$0.38 ₹35.84

$1.30 Rp 23.4K

-70.77%

Water (0.33 liter bottle)

$0.10 ₹9.65

$0.56 Rp 10.2K

-82.14%

Local Beer (0.5 liter draught)

$1.55 ₹146

$2.23 Rp 40.3K

-30.49%

Imported Beer (0.33 liter bottle)

$2.93 ₹277

$3.55 Rp 64.1K

-17.46%

Milk (1 liter)

$0.68 ₹64.3

$1.41 Rp 25.4K

-51.77%

White Bread (500g)

$0.44 ₹41.66

$2.18 Rp 39.4K

-79.82%

Rice (white) (1kg)

$0.69 ₹64.9

$1.05 Rp 18.9K

-34.29%

Eggs

$0.84 ₹79.7

$1.92 Rp 34.7K

-56.25%

Local Cheese (1kg)

$4.64 ₹438

$14.84 Rp 267.9K

-68.73%

Chicken Fillets (1kg)

$2.92 ₹276

$3.86 Rp 69.7K

-24.35%

Beef Round Steak (1kg)

$10.69 Rp 192.9K

Apples (1kg)

$1.87 ₹177

$3.34 Rp 60.2K

-44.01%

Banana (1kg)

$0.63 ₹59.3

$1.46 Rp 26.4K

-56.85%

Oranges (1kg)

$0.94 ₹88.9

$2.22 Rp 40.1K

-57.66%

Tomato (1kg)

$0.45 ₹42.55

$1.80 Rp 32.6K

-75.00%

Potato (1kg)

$0.35 ₹33.52

$1.72 Rp 31.0K

-79.65%

Onion (1kg)

$0.38 ₹35.44

$2.23 Rp 40.2K

-82.96%

Lettuce (1 head)

$0.47 ₹44.11

$0.92 Rp 16.5K

-48.91%

Water (1.5 liter bottle)

$0.31 ₹29.58

$0.46 Rp 8,308

-32.61%

Cigarettes 20 Pack (Marlboro, Camel)

$4.99 ₹472

$2.06 Rp 37.1K

142.23%

Wine (Bottle)

$7.48 ₹706

$20.38 Rp 367.8K

-63.30%

Local Beer (0.5 liter bottle)

$1.66 ₹157

$2.16 Rp 39.1K

-23.15%

Imported Beer (0.33 liter bottle)

$2.74 ₹258

$2.85 Rp 51.4K

-3.86%

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

$5.06 ₹478

One-way Ticket (Public Transport)

$0.21 ₹19.76

$0.25 Rp 4,531

-16.00%

Public Transport Monthly Pass (Regular Price)

$7.05 ₹666

$8.68 Rp 156.7K

-18.78%

Taxi Start (Normal Tariff)

$0.80 ₹75.8

$0.44 Rp 7,956

81.82%

Taxi (Normal Tariff) (1km)

$0.27 ₹25.67

$0.43 Rp 7,766

-37.21%

Taxi 1hour Waiting (Normal Tariff)

$1.60 ₹151

$5.38 Rp 97.2K

-70.26%

Gasoline (1 liter)

$1.13 ₹106

$0.85 Rp 15.3K

32.94%

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

$11.4K ₹1.1M

$23.7K Rp 428.5M

-52.13%

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

$19.6K ₹1.9M

$32.9K Rp 592.9M

-40.38%

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

$34.36 ₹3,246

$76.7 Rp 1.4M

-55.23%

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

$3.17 ₹300

$6.33 Rp 114.2K

-49.92%

Internet (50+ Mbps, Unlimited Data)

$5.62 ₹531

$18.93 Rp 341.6K

-70.31%

Gym Membership (Monthly)

$13.98 ₹1,321

$41.65 Rp 751.7K

-66.43%

Tennis Court (1 Hour on Weekend)

$6.46 ₹611

$14.78 Rp 266.7K

-56.29%

Cinema Ticket

$2.87 ₹271

$3.58 Rp 64.6K

-19.83%

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

$45.89 ₹4,335

$437 Rp 7.9M

-89.49%

International Primary School, 1 Child (Yearly)

$1,414 ₹133.6K

$11.0K Rp 199.2M

-87.19%

Jeans (Levis 501 Or Similar)

$21.93 ₹2,072

$43.09 Rp 777.7K

-49.11%

Summer Dress (H&M, Zara, etc)

$23.56 ₹2,226

$33.51 Rp 604.8K

-29.69%

Sport Shoes (Adidas, Nike)

$39.27 ₹3,710

$75.0 Rp 1.4M

-47.66%

Men's Leather Business Shoes

$28.39 ₹2,682

$73.9 Rp 1.3M

-61.56%

1-bedroom Apartment, City Center (Monthly)

$119 ₹11.3K

$957 Rp 17.3M

-87.54%

1-bedroom Apartment, Outside City Center (Monthly)

$76.5 ₹7,229

$570 Rp 10.3M

-86.57%

3-bedroom Apartment, City Center (Monthly)

$263 ₹24.9K

$3,028 Rp 54.6M

-91.30%

3-bedroom Apartment, Outside City Center (Monthly)

$185 ₹17.5K

$1,446 Rp 26.1M

-87.22%

Buy Apartment in City Center (m2)

$932 ₹88.1K

$2,096 Rp 37.8M

-55.52%

Buy Apartment Outside City Center (m2)

$536 ₹50.6K

$1,885 Rp 34.0M

-71.56%

Average Monthly Net Salary (After Tax)

$215 Rp 3.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

8.86

13.78

-35.70%

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

Last update for Dharwad: November 3, 2026

Last update for Bali: October 31, 2026

Monthly budget structure

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

Groceries & Markets

Dharwad

$101 27%

Bali

$263 22.2% 160% $162

Accommodation & Living

Dharwad

$77 20.4%

Bali

$570 48% 645% $493

Eating Out

Dharwad

$73 19.5%

Bali

$89 7.5% 22.3% $16

Clothing & Footwear

Dharwad

$51 13.6%

Bali

$101 8.6% 99.3% $51

Monthly Utilities & Internet

Dharwad

$43 11.5%

Bali

$102 8.6% 136% $59

Sport & Entertainment

Dharwad

$20 5.3%

Bali

$49 4.1% 148% $29

Getting Around

Dharwad

$10 2.7%

Bali

$12 1% 22.3% $2.2

Cost Breakdown

A central one-bedroom costs $119 in Dharwad versus $957 in Bali. 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 $7 in Dharwad versus $29 in Bali. Monthly groceries follow the same trend: $101 vs $263 – making Dharwad the more affordable choice for daily food spending.

Good to know

🇮🇳 Dharwad

🇮🇩 Bali

🕒 Local time

01:40 1:40 AM

04:10 4:10 AM

2 h 30 min ahead of Dharwad

🌤 Weather

👥 Population

100,000

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.59 USD

1,000 INR = 9.47 EUR

100,000 IDR = 5.54 USD

100,000 IDR = 4.96 EUR

Exchange rates and currency converter

IDR, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 94.47 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.47 EUR).

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,171 IDR (100,000 IDR = 4.96 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Dharwad Bali 5,170 km ≈ 7 h nonstop flight

From you

Dharwad
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

Dharwad vs Bali: 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 $562 per month in Dharwad and $1,780 in Bali. 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 $7 in Dharwad and $29 in Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $374 in Dharwad and $1,187 in Bali. 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.