Last update: Oct 2026

Cost of Living Comparison Between Dharwad and Ubud, Bali

For one person, living is cheaper in Dharwad: $372 a month against $1,349 in Ubud, Bali, rent and utilities included – about $11,700 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
65

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

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Dharwad

🇮🇳 India

$372

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $372 in Dharwad versus $1,349 in Ubud, Bali.

Dharwad $372
Ubud, Bali $1,349

Estimated couple costs with rent: $577 in Dharwad versus $2,305 in Ubud, Bali.

Dharwad $577
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $781 in Dharwad versus $3,261 in Ubud, Bali.

Dharwad $781
Ubud, Bali $3,261

Living in Dharwad costs roughly 72% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.43 ₹325

$3.32 Rp 60.2K

3.31%

Three-Course Dinner for Two, Mid-Range

$7.45 ₹707

$35.64 Rp 645.8K

-79.10%

Fast Food Meal (McDonalds, etc)

$3.71 ₹352

$5.53 Rp 100.3K

-32.91%

Cappuccino

$1.59 ₹151

$2.72 Rp 49.3K

-41.54%

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

$0.41 ₹38.66

$1.70 Rp 30.8K

-75.88%

Water (0.33 liter bottle)

$0.14 ₹13.09

$0.76 Rp 13.8K

-81.58%

Local Beer (0.5 liter draught)

$1.56 ₹148

$2.65 Rp 48.1K

-41.13%

Imported Beer (0.33 liter bottle)

$3.01 ₹286

$4.38 Rp 79.4K

-31.28%

Milk (1 liter)

$0.67 ₹63.8

$1.49 Rp 27.0K

-55.03%

White Bread (500g)

$0.46 ₹43.44

$2.28 Rp 41.2K

-79.82%

Rice (white) (1kg)

$0.65 ₹61.3

$1.19 Rp 21.6K

-45.38%

Eggs

$0.85 ₹80.8

$2.04 Rp 36.9K

-58.33%

Local Cheese (1kg)

$4.02 ₹382

$17.70 Rp 320.8K

-77.29%

Chicken Fillets (1kg)

$2.88 ₹273

$3.96 Rp 71.8K

-27.27%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

Apples (1kg)

$1.92 ₹182

$3.66 Rp 66.2K

-47.54%

Banana (1kg)

$0.67 ₹63.3

$1.52 Rp 27.5K

-55.92%

Oranges (1kg)

$0.95 ₹90.2

$2.23 Rp 40.4K

-57.40%

Tomato (1kg)

$0.45 ₹42.76

$1.97 Rp 35.7K

-77.16%

Potato (1kg)

$0.36 ₹33.84

$1.85 Rp 33.5K

-80.54%

Onion (1kg)

$0.37 ₹35.52

$2.42 Rp 43.9K

-84.71%

Lettuce (1 head)

$0.40 ₹38.37

$0.99 Rp 17.9K

-59.60%

Water (1.5 liter bottle)

$0.29 ₹27.53

$0.51 Rp 9,303

-43.14%

Cigarettes 20 Pack (Marlboro, Camel)

$5.51 ₹523

$2.22 Rp 40.3K

148.20%

Wine (Bottle)

$6.26 ₹594

$22.24 Rp 403.0K

-71.85%

Local Beer (0.5 liter bottle)

$1.59 ₹151

$2.26 Rp 41.0K

-29.65%

Imported Beer (0.33 liter bottle)

$2.99 ₹284

$2.97 Rp 53.8K

0.67%

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

$4.27 ₹405

One-way Ticket (Public Transport)

$0.23 ₹21.86

$0.25 Rp 4,548

-8.00%

Public Transport Monthly Pass (Regular Price)

$7.08 ₹672

$7.82 Rp 141.8K

-9.46%

Taxi Start (Normal Tariff)

$0.86 ₹81.6

$0.44 Rp 7,964

95.45%

Taxi (Normal Tariff) (1km)

$0.25 ₹24.21

$0.43 Rp 7,793

-41.86%

Taxi 1hour Waiting (Normal Tariff)

$1.62 ₹154

$5.41 Rp 98.0K

-70.06%

Gasoline (1 liter)

$1.13 ₹107

$0.82 Rp 14.9K

37.80%

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

$12.1K ₹1.1M

$23.8K Rp 432.0M

-49.29%

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

$21.7K ₹2.1M

$31.7K Rp 575.3M

-31.81%

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

$34.58 ₹3,283

$79.1 Rp 1.4M

-56.26%

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

$3.12 ₹297

$6.45 Rp 116.8K

-51.63%

Internet (50+ Mbps, Unlimited Data)

$5.82 ₹552

$18.58 Rp 336.7K

-68.68%

Gym Membership (Monthly)

$14.37 ₹1,364

$49.48 Rp 896.7K

-70.96%

Tennis Court (1 Hour on Weekend)

$5.67 ₹538

$17.65 Rp 319.8K

-67.88%

Cinema Ticket

$2.98 ₹283

$4.27 Rp 77.4K

-30.21%

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

$46.87 ₹4,450

$491 Rp 8.9M

-90.45%

International Primary School, 1 Child (Yearly)

$1,442 ₹136.9K

$5,674 Rp 102.8M

-74.58%

Jeans (Levis 501 Or Similar)

$19.92 ₹1,892

$44.64 Rp 808.9K

-55.38%

Summer Dress (H&M, Zara, etc)

$26.08 ₹2,476

$34.95 Rp 633.4K

-25.38%

Sport Shoes (Adidas, Nike)

$37.85 ₹3,594

$79.9 Rp 1.4M

-52.63%

Men's Leather Business Shoes

$27.95 ₹2,654

$79.4 Rp 1.4M

-64.81%

1-bedroom Apartment, City Center (Monthly)

$121 ₹11.5K

$1,125 Rp 20.4M

-89.26%

1-bedroom Apartment, Outside City Center (Monthly)

$77.8 ₹7,387

$671 Rp 12.2M

-88.41%

3-bedroom Apartment, City Center (Monthly)

$266 ₹25.2K

$3,565 Rp 64.6M

-92.55%

3-bedroom Apartment, Outside City Center (Monthly)

$163 ₹15.4K

$1,723 Rp 31.2M

-90.57%

Buy Apartment in City Center (m2)

$967 ₹91.8K

$2,732 Rp 49.5M

-64.60%

Buy Apartment Outside City Center (m2)

$538 ₹51.1K

$2,284 Rp 41.4M

-76.44%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

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: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Dharwad

$97 26%

Ubud, Bali

$288 21.4% 198% $192

Accommodation & Living

Dharwad

$78 20.9%

Ubud, Bali

$672 49.8% 763% $594

Eating Out

Dharwad

$74 19.8%

Ubud, Bali

$108 8% 46.3% $34

Clothing & Footwear

Dharwad

$50 13.5%

Ubud, Bali

$108 8% 114% $57

Monthly Utilities & Internet

Dharwad

$44 11.7%

Ubud, Bali

$104 7.7% 139% $61

Sport & Entertainment

Dharwad

$20 5.5%

Ubud, Bali

$58 4.3% 186% $38

Getting Around

Dharwad

$10 2.7%

Ubud, Bali

$11 0.9% 12.7% $1.3

Cost Breakdown

A one-bedroom apartment in the center runs $121 in Dharwad and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $7 in Dharwad vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $97 vs $288 per month, with Dharwad cheaper across the board.

Good to know

🇮🇳 Dharwad

🇮🇩 Ubud, Bali

🕒 Local time

19:27 7:27 PM

21:57 9:57 PM

2 h 30 min ahead of Dharwad

🌤 Weather

👥 Population

100,000

74,800

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.43 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 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 1, 2026: 1 USD = 94.95 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to INR in detail →

On the map

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Highest

Between locations

Dharwad Ubud, Bali 5,170 km ≈ 7 h nonstop flight

From you

Dharwad
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

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

Total monthly costs including rent come to $372 in Dharwad and $1,349 in Ubud, Bali, so Dharwad is about 72% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $559 in Dharwad and $2,023 in Ubud, Bali 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: $121 in Dharwad versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $372 per month in Dharwad versus $1,349 in Ubud, Bali – Dharwad is about 72% cheaper, which adds up to real savings over time.

A monthly transit pass in Dharwad runs roughly 9% less than in Ubud, Bali. The price difference matters if you commute daily and watch your budget.

At $372 in Dharwad versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Dharwad but tight or insufficient in Ubud, Bali. The gap between the two cities makes Dharwad 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, Dharwad and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Dharwad gentler on the wallet – expenses run 72% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.