Last update: Oct 2026

Cost of Living Comparison Between Karachi and Ubud, Bali

For one person, living is cheaper in Karachi: $495 a month against $1,349 in Ubud, Bali, rent and utilities included – about $10,200 less a year. Rent and utilities account for most of the difference.

24

Cost of Living Index in Karachi
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Karachi Living Index
65

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

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Karachi

🇵🇰 Pakistan

$495

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $495 in Karachi versus $1,349 in Ubud, Bali.

Karachi $495
Ubud, Bali $1,349

Estimated couple costs with rent: $770 in Karachi versus $2,305 in Ubud, Bali.

Karachi $770
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,046 in Karachi versus $3,261 in Ubud, Bali.

Karachi $1,046
Ubud, Bali $3,261

Living in Karachi costs roughly 63% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$2.21 PKR 610

$3.32 Rp 60.2K

-33.43%

Three-Course Dinner for Two, Mid-Range

$12.87 PKR 3,562

$35.64 Rp 645.8K

-63.89%

Fast Food Meal (McDonalds, etc)

$5.27 PKR 1,459

$5.53 Rp 100.3K

-4.70%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.16 PKR 598

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.36 PKR 2,036

Cappuccino

$2.16 PKR 598

$2.72 Rp 49.3K

-20.59%

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

$0.38 PKR 106

$1.70 Rp 30.8K

-77.65%

Water (0.33 liter bottle)

$0.25 PKR 69.3

$0.76 Rp 13.8K

-67.11%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

Milk (1 liter)

$0.90 PKR 248

$1.49 Rp 27.0K

-39.60%

White Bread (500g)

$0.52 PKR 143

$2.28 Rp 41.2K

-77.19%

Rice (white) (1kg)

$1.20 PKR 331

$1.19 Rp 21.6K

0.84%

Eggs

$1.25 PKR 346

$2.04 Rp 36.9K

-38.73%

Local Cheese (1kg)

$5.82 PKR 1,611

$17.70 Rp 320.8K

-67.12%

Chicken Fillets (1kg)

$3.11 PKR 860

$3.96 Rp 71.8K

-21.46%

Beef Round Steak (1kg)

$6.53 PKR 1,807

$12.19 Rp 220.9K

-46.43%

Apples (1kg)

$1.28 PKR 354

$3.66 Rp 66.2K

-65.03%

Banana (1kg)

$0.54 PKR 149

$1.52 Rp 27.5K

-64.47%

Oranges (1kg)

$1.02 PKR 283

$2.23 Rp 40.4K

-54.26%

Tomato (1kg)

$0.56 PKR 155

$1.97 Rp 35.7K

-71.57%

Potato (1kg)

$0.34 PKR 94.9

$1.85 Rp 33.5K

-81.62%

Onion (1kg)

$0.31 PKR 87.0

$2.42 Rp 43.9K

-87.19%

Lettuce (1 head)

$0.41 PKR 113

$0.99 Rp 17.9K

-58.59%

Water (1.5 liter bottle)

$0.43 PKR 120

$0.51 Rp 9,303

-15.69%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.28 PKR 355

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.33 PKR 368

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.45 PKR 678

Cigarettes 20 Pack (Marlboro, Camel)

$1.78 PKR 492

$2.22 Rp 40.3K

-19.82%

Wine (Bottle)

$22.24 Rp 403.0K

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

One-way Ticket (Public Transport)

$0.28 PKR 77.1

$0.25 Rp 4,548

12.00%

Public Transport Monthly Pass (Regular Price)

$11.70 PKR 3,237

$7.82 Rp 141.8K

49.62%

Taxi Start (Normal Tariff)

$0.92 PKR 254

$0.44 Rp 7,964

109.09%

Taxi (Normal Tariff) (1km)

$0.73 PKR 203

$0.43 Rp 7,793

69.77%

Taxi 1hour Waiting (Normal Tariff)

$2.22 PKR 615

$5.41 Rp 98.0K

-58.96%

Gasoline (1 liter)

$1.33 PKR 369

$0.82 Rp 14.9K

62.20%

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

$18.3K PKR 5.1M

$23.8K Rp 432.0M

-23.42%

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

$26.4K PKR 7.3M

$31.7K Rp 575.3M

-16.91%

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

$112 PKR 31.0K

$79.1 Rp 1.4M

41.88%

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

$5.99 PKR 1,656

$6.45 Rp 116.8K

-7.13%

Internet (50+ Mbps, Unlimited Data)

$13.18 PKR 3,648

$18.58 Rp 336.7K

-29.06%

Gym Membership (Monthly)

$24.67 PKR 6,825

$49.48 Rp 896.7K

-50.14%

Tennis Court (1 Hour on Weekend)

$18.29 PKR 5,061

$17.65 Rp 319.8K

3.63%

Cinema Ticket

$4.34 PKR 1,201

$4.27 Rp 77.4K

1.64%

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

$67.2 PKR 18.6K

$491 Rp 8.9M

-86.30%

International Primary School, 1 Child (Yearly)

$1,915 PKR 529.8K

$5,674 Rp 102.8M

-66.25%

Jeans (Levis 501 Or Similar)

$17.61 PKR 4,873

$44.64 Rp 808.9K

-60.55%

Summer Dress (H&M, Zara, etc)

$22.03 PKR 6,096

$34.95 Rp 633.4K

-36.97%

Sport Shoes (Adidas, Nike)

$68.3 PKR 18.9K

$79.9 Rp 1.4M

-14.47%

Men's Leather Business Shoes

$40.66 PKR 11.3K

$79.4 Rp 1.4M

-48.80%

1-bedroom Apartment, City Center (Monthly)

$136 PKR 37.6K

$1,125 Rp 20.4M

-87.91%

1-bedroom Apartment, Outside City Center (Monthly)

$82.2 PKR 22.7K

$671 Rp 12.2M

-87.76%

3-bedroom Apartment, City Center (Monthly)

$392 PKR 108.5K

$3,565 Rp 64.6M

-89.00%

3-bedroom Apartment, Outside City Center (Monthly)

$207 PKR 57.2K

$1,723 Rp 31.2M

-88.00%

Buy Apartment in City Center (m2)

$1,046 PKR 289.5K

$2,732 Rp 49.5M

-61.70%

Buy Apartment Outside City Center (m2)

$482 PKR 133.2K

$2,284 Rp 41.4M

-78.92%

Average Monthly Net Salary (After Tax)

$184 PKR 51.0K

$164 Rp 3.0M

12.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.21

13.78

-4.14%

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

Last update for Karachi: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karachi

$131 26.6%

Ubud, Bali

$104 7.7% 20.8% $27

Groceries & Markets

Karachi

$102 20.5%

Ubud, Bali

$288 21.4% 184% $187

Accommodation & Living

Karachi

$82 16.6%

Ubud, Bali

$672 49.8% 717% $589

Clothing & Footwear

Karachi

$67 13.5%

Ubud, Bali

$108 8% 60.7% $41

Eating Out

Karachi

$62 12.5%

Ubud, Bali

$108 8% 73.8% $46

Sport & Entertainment

Karachi

$33 6.7%

Ubud, Bali

$58 4.3% 74% $25

Getting Around

Karachi

$17 3.5%

Ubud, Bali

$11 0.9% 34.4% $6

Cost Breakdown

A one-bedroom apartment in the center runs $136 in Karachi and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karachi pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $13 in Karachi vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $102 vs $288 per month, with Karachi cheaper across the board.

Good to know

🇵🇰 Karachi

🇮🇩 Ubud, Bali

🕒 Local time

03:16 3:16 AM

06:16 6:16 AM

3 h ahead of Karachi

🌤 Weather

👥 Population

14,910,352

74,800

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.24 EUR

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 309 PKR (1,000 PKR = 3.24 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 PKR in detail →

On the map

Lowest

Highest

Between locations

Karachi Ubud, Bali 6,410 km ≈ 9 h nonstop flight

From you

Karachi
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

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

Total monthly costs including rent come to $495 in Karachi and $1,349 in Ubud, Bali, so Karachi is about 63% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 13% higher in Karachi, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $136 in Karachi 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 $495 per month in Karachi versus $1,349 in Ubud, Bali – Karachi is about 63% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 33% less than in Karachi. The price difference matters if you commute daily and watch your budget.

At $495 in Karachi versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Karachi but tight or insufficient in Ubud, 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.