Last update: Oct 2026

Cost of Living Comparison Between Karak and Ubud, Bali

For one person, living is cheaper in Karak: $434 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,000 less a year. Rent and utilities account for most of the difference.

21

Cost of Living Index in Karak
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Karak Living Index
66

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

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Karak

🇵🇰 Pakistan

$434

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $434 per month in Karak vs $1,353 in Ubud, Bali, rent included.

Karak $434
Ubud, Bali $1,353

A couple spends around $636 per month in Karak vs $2,297 in Ubud, Bali, rent included.

Karak $636
Ubud, Bali $2,297

A family of three spends $838 per month in Karak vs $3,241 in Ubud, Bali, rent included.

Karak $838
Ubud, Bali $3,241

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

Karak sits 68% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$0.70 PKR 193

$3.23 Rp 58.1K

-78.33%

Three-Course Dinner for Two, Mid-Range

$7.41 PKR 2,050

$34.88 Rp 627.8K

-78.76%

Fast Food Meal (McDonalds, etc)

$5.38 PKR 1,489

$5.70 Rp 102.5K

-5.61%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.73 PKR 203

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.01 PKR 1,939

Cappuccino

$0.57 PKR 157

$2.62 Rp 47.1K

-78.24%

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

$0.36 PKR 98.5

$1.72 Rp 31.0K

-79.07%

Water (0.33 liter bottle)

$0.23 PKR 63.9

$0.81 Rp 14.6K

-71.60%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$0.93 PKR 258

$1.57 Rp 28.3K

-40.76%

White Bread (500g)

$0.53 PKR 145

$2.19 Rp 39.5K

-75.80%

Rice (white) (1kg)

$1.05 PKR 292

$1.18 Rp 21.2K

-11.02%

Eggs

$1.10 PKR 304

$2.16 Rp 38.8K

-49.07%

Local Cheese (1kg)

$1.78 PKR 492

$17.65 Rp 317.7K

-89.92%

Chicken Fillets (1kg)

$2.93 PKR 810

$3.78 Rp 68.0K

-22.49%

Beef Round Steak (1kg)

$4.41 PKR 1,221

$11.95 Rp 215.1K

-63.10%

Apples (1kg)

$0.69 PKR 192

$3.60 Rp 64.8K

-80.83%

Banana (1kg)

$0.55 PKR 153

$1.59 Rp 28.6K

-65.41%

Oranges (1kg)

$0.75 PKR 207

$2.31 Rp 41.6K

-67.53%

Tomato (1kg)

$0.52 PKR 144

$1.91 Rp 34.3K

-72.77%

Potato (1kg)

$0.29 PKR 80.5

$1.78 Rp 32.1K

-83.71%

Onion (1kg)

$0.38 PKR 106

$2.33 Rp 41.9K

-83.69%

Lettuce (1 head)

$0.17 PKR 48.32

$1.00 Rp 18.0K

-83.00%

Water (1.5 liter bottle)

$0.24 PKR 65.8

$0.53 Rp 9,509

-54.72%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.86 PKR 515

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.19 PKR 331

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.35 PKR 652

Cigarettes 20 Pack (Marlboro, Camel)

$2.33 PKR 645

$2.29 Rp 41.1K

1.75%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.19 PKR 51.7

$0.23 Rp 4,112

-17.39%

Public Transport Monthly Pass (Regular Price)

$9.86 PKR 2,730

$8.90 Rp 160.2K

10.79%

Taxi Start (Normal Tariff)

$1.23 PKR 341

$0.47 Rp 8,466

161.70%

Taxi (Normal Tariff) (1km)

$0.70 PKR 194

$0.43 Rp 7,737

62.79%

Taxi 1hour Waiting (Normal Tariff)

$1.58 PKR 438

$5.47 Rp 98.4K

-71.12%

Gasoline (1 liter)

$1.38 PKR 381

$0.83 Rp 14.9K

66.27%

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

$21.8K PKR 6.0M

$23.9K Rp 429.8M

-8.81%

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

$24.3K PKR 6.7M

$32.8K Rp 590.1M

-25.85%

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

$101 PKR 27.9K

$80.0 Rp 1.4M

25.84%

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

$6.03 PKR 1,669

$6.56 Rp 118.1K

-8.08%

Internet (50+ Mbps, Unlimited Data)

$16.84 PKR 4,660

$18.60 Rp 334.8K

-9.46%

Gym Membership (Monthly)

$14.67 PKR 4,061

$54.1 Rp 974.1K

-72.89%

Tennis Court (1 Hour on Weekend)

$8.25 PKR 2,282

$18.28 Rp 329.0K

-54.87%

Cinema Ticket

$4.24 PKR 1,172

$4.25 Rp 76.5K

-0.24%

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

$76.0 PKR 21.0K

$493 Rp 8.9M

-84.57%

International Primary School, 1 Child (Yearly)

$1,060 PKR 293.3K

$5,597 Rp 100.7M

-81.07%

Jeans (Levis 501 Or Similar)

$26.54 PKR 7,346

$45.58 Rp 820.4K

-41.77%

Summer Dress (H&M, Zara, etc)

$35.24 PKR 9,753

$34.96 Rp 629.4K

0.80%

Sport Shoes (Adidas, Nike)

$97.5 PKR 27.0K

$77.7 Rp 1.4M

25.50%

Men's Leather Business Shoes

$41.37 PKR 11.4K

$78.5 Rp 1.4M

-47.31%

1-bedroom Apartment, City Center (Monthly)

$128 PKR 35.5K

$1,131 Rp 20.4M

-88.66%

1-bedroom Apartment, Outside City Center (Monthly)

$77.1 PKR 21.3K

$673 Rp 12.1M

-88.54%

3-bedroom Apartment, City Center (Monthly)

$258 PKR 71.3K

$3,613 Rp 65.0M

-92.86%

3-bedroom Apartment, Outside City Center (Monthly)

$147 PKR 40.8K

$1,702 Rp 30.6M

-91.35%

Buy Apartment in City Center (m2)

$922 PKR 255.1K

$2,717 Rp 48.9M

-66.08%

Buy Apartment Outside City Center (m2)

$486 PKR 134.5K

$2,241 Rp 40.3M

-78.31%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

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 Karak: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Karak

$124 28.5%

Ubud, Bali

$105 7.8% 14.9% $18

Clothing & Footwear

Karak

$90 20.8%

Ubud, Bali

$107 7.9% 18% $16

Accommodation & Living

Karak

$77 17.8%

Ubud, Bali

$673 49.7% 773% $596

Groceries & Markets

Karak

$74 17%

Ubud, Bali

$287 21.2% 288% $213

Eating Out

Karak

$31 7.1%

Ubud, Bali

$106 7.9% 245% $76

Sport & Entertainment

Karak

$23 5.3%

Ubud, Bali

$63 4.6% 171% $39

Getting Around

Karak

$15 3.5%

Ubud, Bali

$12 0.9% 19% $2.9

Cost Breakdown

A central one-bedroom costs $128 in Karak versus $1,131 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.

A mid-range dinner for two costs $7.00 in Karak versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $74.0 vs $287 – making Karak the more affordable choice for daily food spending.

Good to know

🇵🇰 Karak

🇮🇩 Ubud, Bali

🕒 Local time

15:50 3:50 PM

18:50 6:50 PM

3 h ahead of Karak

🌤 Weather

👥 Population

51,149

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 20, 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 20, 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

Lowest

Highest

Between locations

Karak Ubud, Bali 6,570 km ≈ 9 h nonstop flight

From you

Karak
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

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

Ubud, Bali costs about 212% more than Karak, 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 $651 per month in Karak and $2,030 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 11% less in Karak. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $76.0 per month in Karak and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Karak, where all-in costs run around $434, than in Ubud, Bali at $1,353. In Karak it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Karak costs $434 versus $1,353 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Karak. 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.