Cost of Living Comparison Between Islamabad and Ubud, Bali Cost of Living Comparison Between Islamabad and Ubud, Bali

Monthly Cost of Living

A single person spends $589 per month in Islamabad vs $1,396 in Ubud, Bali, rent included.

A couple spends around $918 per month in Islamabad vs $2,334 in Ubud, Bali, rent included.

A family of three spends $1,246 per month in Islamabad vs $3,273 in Ubud, Bali, rent included.

Islamabad is about 58% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Islamabad sits 57% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 PKR 990

$3.37 Rp 59.7K

5.93%

Three-Course Dinner for Two, Mid-Range

$22.74 PKR 6,309

$38.59 Rp 682.4K

-41.07%

Fast Food Meal (McDonalds, etc)

$5.47 PKR 1,517

$5.52 Rp 97.6K

-0.91%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.55 PKR 986

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.71 PKR 1,862

Cappuccino

$2.39 PKR 663

$2.64 Rp 46.8K

-9.47%

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

$0.32 PKR 90.0

$1.67 Rp 29.6K

-80.84%

Water (0.33 liter bottle)

$0.22 PKR 60.8

$0.77 Rp 13.6K

-71.43%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

Milk (1 liter)

$0.99 PKR 275

$1.55 Rp 27.3K

-36.13%

White Bread (500g)

$0.79 PKR 220

$2.22 Rp 39.3K

-64.41%

Rice (white) (1kg)

$1.28 PKR 354

$1.13 Rp 19.9K

13.27%

Eggs

$1.28 PKR 356

$2.09 Rp 36.9K

-38.76%

Local Cheese (1kg)

$6.11 PKR 1,695

$17.39 Rp 307.6K

-64.86%

Chicken Fillets (1kg)

$3.06 PKR 849

$3.87 Rp 68.4K

-20.93%

Beef Round Steak (1kg)

$5.12 PKR 1,421

$12.55 Rp 221.9K

-59.20%

Apples (1kg)

$1.34 PKR 371

$3.62 Rp 63.9K

-62.98%

Banana (1kg)

$0.84 PKR 232

$1.56 Rp 27.6K

-46.15%

Oranges (1kg)

$1.02 PKR 282

$2.35 Rp 41.6K

-56.60%

Tomato (1kg)

$0.49 PKR 135

$2.06 Rp 36.4K

-76.21%

Potato (1kg)

$0.29 PKR 81.2

$1.90 Rp 33.6K

-84.74%

Onion (1kg)

$0.33 PKR 90.4

$2.34 Rp 41.3K

-85.90%

Lettuce (1 head)

$0.29 PKR 80.8

$1.03 Rp 18.2K

-71.84%

Water (1.5 liter bottle)

$0.38 PKR 106

$0.55 Rp 9,809

-30.91%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.90 PKR 528

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.38 PKR 383

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.35 PKR 652

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 PKR 632

$2.25 Rp 39.8K

1.33%

Wine (Bottle)

$23.81 Rp 421.0K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

One-way Ticket (Public Transport)

$0.16 PKR 44.31

$0.27 Rp 4,816

-40.74%

Public Transport Monthly Pass (Regular Price)

$21.23 PKR 5,889

$8.66 Rp 153.2K

145.15%

Taxi Start (Normal Tariff)

$1.27 PKR 353

$0.48 Rp 8,515

164.58%

Taxi (Normal Tariff) (1km)

$0.69 PKR 191

$0.45 Rp 7,887

53.33%

Taxi 1hour Waiting (Normal Tariff)

$1.65 PKR 459

$5.72 Rp 101.1K

-71.15%

Gasoline (1 liter)

$1.32 PKR 365

$0.76 Rp 13.4K

73.68%

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

$53.9K PKR 15.0M

$24.5K Rp 433.0M

120.34%

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

$25.1K PKR 7.0M

$32.1K Rp 568.0M

-21.85%

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

$102 PKR 28.3K

$83.6 Rp 1.5M

22.20%

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

$5.83 PKR 1,618

$6.46 Rp 114.2K

-9.75%

Internet (50+ Mbps, Unlimited Data)

$16.34 PKR 4,534

$18.99 Rp 335.9K

-13.95%

Gym Membership (Monthly)

$29.09 PKR 8,071

$56.0 Rp 989.8K

-48.03%

Tennis Court (1 Hour on Weekend)

$8.93 PKR 2,478

$18.62 Rp 329.2K

-52.04%

Cinema Ticket

$5.01 PKR 1,390

$4.28 Rp 75.7K

17.06%

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

$75.0 PKR 20.8K

$487 Rp 8.6M

-84.58%

International Primary School, 1 Child (Yearly)

$5,084 PKR 1.4M

$5,856 Rp 103.6M

-13.17%

Jeans (Levis 501 Or Similar)

$23.55 PKR 6,532

$45.56 Rp 805.6K

-48.31%

Summer Dress (H&M, Zara, etc)

$32.68 PKR 9,066

$36.38 Rp 643.3K

-10.17%

Sport Shoes (Adidas, Nike)

$83.6 PKR 23.2K

$82.0 Rp 1.4M

1.96%

Men's Leather Business Shoes

$39.29 PKR 10.9K

$80.4 Rp 1.4M

-51.13%

1-bedroom Apartment, City Center (Monthly)

$277 PKR 76.8K

$1,117 Rp 19.7M

-75.20%

1-bedroom Apartment, Outside City Center (Monthly)

$144 PKR 40.0K

$701 Rp 12.4M

-79.42%

3-bedroom Apartment, City Center (Monthly)

$577 PKR 160.1K

$3,537 Rp 62.5M

-83.68%

3-bedroom Apartment, Outside City Center (Monthly)

$266 PKR 73.9K

$1,762 Rp 31.2M

-84.89%

Buy Apartment in City Center (m2)

$1,635 PKR 453.5K

$2,826 Rp 50.0M

-42.16%

Buy Apartment Outside City Center (m2)

$829 PKR 230.1K

$2,292 Rp 40.5M

-63.81%

Average Monthly Net Salary (After Tax)

$381 PKR 105.8K

$170 Rp 3.0M

124.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.08

13.78

-5.08%

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

Last update for Islamabad: August 30, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $277 in Islamabad versus $1,117 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 125% higher in Islamabad, 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 $23.00 in Islamabad versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $103 vs $293 – making Islamabad the more affordable choice for daily food spending.

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

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

Yes – Ubud, Bali is pricier by about 137%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $884 per month in Islamabad and $2,095 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 185% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $23.00 in Islamabad and $39.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Islamabad, where all-in costs run around $589, than in Ubud, Bali at $1,396. In Islamabad it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Islamabad – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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