Last update: Oct 2026

Cost of Living Comparison Between Jhelum and Ubud, Bali

For one person, living is cheaper in Jhelum: $382 a month against $1,368 in Ubud, Bali, rent and utilities included – about $11,800 less a year. Rent and utilities account for most of the difference.

19

Cost of Living Index in Jhelum
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Jhelum Living Index
67

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

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Jhelum

🇵🇰 Pakistan

$382

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $382 in Jhelum versus $1,368 in Ubud, Bali.

Jhelum $382
Ubud, Bali $1,368

Estimated couple costs with rent: $584 in Jhelum versus $2,314 in Ubud, Bali.

Jhelum $584
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $785 in Jhelum versus $3,260 in Ubud, Bali.

Jhelum $785
Ubud, Bali $3,260

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

The two cities straddle the global median: Jhelum is 72% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$1.79 PKR 496

$3.33 Rp 59.9K

-46.25%

Three-Course Dinner for Two, Mid-Range

$10.87 PKR 3,007

$35.18 Rp 633.2K

-69.10%

Fast Food Meal (McDonalds, etc)

$5.30 PKR 1,468

$5.80 Rp 104.5K

-8.62%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.56 PKR 710

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.14 PKR 593

Cappuccino

$1.51 PKR 418

$2.73 Rp 49.1K

-44.69%

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

$0.47 PKR 129

$1.64 Rp 29.5K

-71.34%

Water (0.33 liter bottle)

$0.30 PKR 82.0

$0.83 Rp 15.0K

-63.86%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

Milk (1 liter)

$0.68 PKR 187

$1.50 Rp 27.1K

-54.67%

White Bread (500g)

$0.62 PKR 170

$2.30 Rp 41.4K

-73.04%

Rice (white) (1kg)

$1.25 PKR 347

$1.18 Rp 21.2K

5.93%

Eggs

$1.25 PKR 346

$2.14 Rp 38.6K

-41.59%

Local Cheese (1kg)

$2.72 PKR 753

$17.48 Rp 314.6K

-84.44%

Chicken Fillets (1kg)

$2.38 PKR 659

$4.03 Rp 72.5K

-40.94%

Beef Round Steak (1kg)

$2.61 PKR 721

$12.23 Rp 220.1K

-78.66%

Apples (1kg)

$1.11 PKR 307

$3.55 Rp 63.9K

-68.73%

Banana (1kg)

$0.35 PKR 96.8

$1.57 Rp 28.3K

-77.71%

Oranges (1kg)

$0.62 PKR 171

$2.24 Rp 40.2K

-72.32%

Tomato (1kg)

$0.59 PKR 162

$1.93 Rp 34.7K

-69.43%

Potato (1kg)

$0.30 PKR 83.3

$1.88 Rp 33.9K

-84.04%

Onion (1kg)

$0.35 PKR 96.4

$2.29 Rp 41.3K

-84.72%

Lettuce (1 head)

$0.42 PKR 116

$0.99 Rp 17.9K

-57.58%

Water (1.5 liter bottle)

$0.43 PKR 120

$0.53 Rp 9,475

-18.87%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.87 PKR 517

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.52 PKR 143

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.38 PKR 658

Cigarettes 20 Pack (Marlboro, Camel)

$1.42 PKR 392

$2.28 Rp 41.1K

-37.72%

Wine (Bottle)

$23.01 Rp 414.2K

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.18 PKR 49.26

$0.24 Rp 4,315

-25.00%

Public Transport Monthly Pass (Regular Price)

$9.15 PKR 2,534

$8.82 Rp 158.7K

3.74%

Taxi Start (Normal Tariff)

$1.05 PKR 291

$0.48 Rp 8,684

118.75%

Taxi (Normal Tariff) (1km)

$1.10 PKR 305

$0.46 Rp 8,233

139.13%

Taxi 1hour Waiting (Normal Tariff)

$2.82 PKR 781

$5.45 Rp 98.2K

-48.26%

Gasoline (1 liter)

$1.18 PKR 326

$0.88 Rp 15.9K

34.09%

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

$23.1K PKR 6.4M

$24.6K Rp 442.2M

-5.89%

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

$23.1K PKR 6.4M

$31.2K Rp 561.4M

-25.97%

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

$66.5 PKR 18.4K

$83.0 Rp 1.5M

-19.87%

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

$5.75 PKR 1,592

$6.45 Rp 116.0K

-10.85%

Internet (50+ Mbps, Unlimited Data)

$14.71 PKR 4,071

$18.57 Rp 334.2K

-20.79%

Gym Membership (Monthly)

$15.14 PKR 4,191

$55.8 Rp 1.0M

-72.88%

Tennis Court (1 Hour on Weekend)

$8.50 PKR 2,354

$18.11 Rp 326.0K

-53.06%

Cinema Ticket

$7.07 PKR 1,956

$4.38 Rp 78.9K

61.42%

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

$26.62 PKR 7,367

$493 Rp 8.9M

-94.60%

International Primary School, 1 Child (Yearly)

$1,986 PKR 549.7K

$5,754 Rp 103.6M

-65.48%

Jeans (Levis 501 Or Similar)

$18.84 PKR 5,214

$46.19 Rp 831.4K

-59.21%

Summer Dress (H&M, Zara, etc)

$26.91 PKR 7,449

$35.33 Rp 636.0K

-23.83%

Sport Shoes (Adidas, Nike)

$54.4 PKR 15.1K

$79.1 Rp 1.4M

-31.22%

Men's Leather Business Shoes

$30.21 PKR 8,362

$78.4 Rp 1.4M

-61.46%

1-bedroom Apartment, City Center (Monthly)

$114 PKR 31.6K

$1,142 Rp 20.6M

-90.02%

1-bedroom Apartment, Outside City Center (Monthly)

$66.7 PKR 18.5K

$676 Rp 12.2M

-90.12%

3-bedroom Apartment, City Center (Monthly)

$263 PKR 72.9K

$3,503 Rp 63.1M

-92.48%

3-bedroom Apartment, Outside City Center (Monthly)

$135 PKR 37.4K

$1,700 Rp 30.6M

-92.05%

Buy Apartment in City Center (m2)

$956 PKR 264.7K

$2,784 Rp 50.1M

-65.64%

Buy Apartment Outside City Center (m2)

$551 PKR 152.5K

$2,241 Rp 40.3M

-75.40%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.83

13.78

-14.15%

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

Last update for Jhelum: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Jhelum

$87 22.8%

Ubud, Bali

$108 7.9% 24.2% $21

Groceries & Markets

Jhelum

$72 18.9%

Ubud, Bali

$290 21.2% 302% $218

Accommodation & Living

Jhelum

$67 17.5%

Ubud, Bali

$676 49.4% 912% $609

Clothing & Footwear

Jhelum

$59 15.4%

Ubud, Bali

$108 7.9% 83.3% $49

Eating Out

Jhelum

$51 13.5%

Ubud, Bali

$109 8% 112% $57

Sport & Entertainment

Jhelum

$29 7.7%

Ubud, Bali

$65 4.7% 121% $35

Getting Around

Jhelum

$16 4.3%

Ubud, Bali

$13 0.9% 23.7% $3.9

Cost Breakdown

A one-bedroom apartment in the center runs $114 in Jhelum and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $11.00 in Jhelum vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $72.0 vs $290 per month, with Jhelum cheaper across the board.

Good to know

🇵🇰 Jhelum

🇮🇩 Ubud, Bali

🕒 Local time

03:42 3:42 AM

06:42 6:42 AM

3 h ahead of Jhelum

🌤 Weather

👥 Population

190,425

74,800

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 18, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PKR in detail →

On the map

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Highest

Between locations

Jhelum Ubud, Bali 6,370 km ≈ 8 h nonstop flight

From you

Jhelum
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

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

Jhelum is cheaper overall, especially in groceries, clothing, and eating out. The 258% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $573 in Jhelum and $2,051 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: $114 in Jhelum versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 301% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Jhelum – a meal for two runs $11.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $382 in Jhelum versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Jhelum but tight or insufficient in Ubud, Bali. The gap between the two cities makes Jhelum the clear choice for anyone on this budget.

For families, Jhelum is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Jhelum and Ubud, Bali 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 Jhelum gentler on the wallet – expenses run 258% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.