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

Monthly Cost of Living

A single person spends $428 per month in Karak vs $1,396 in Ubud, Bali, rent included.

A couple spends around $625 per month in Karak vs $2,334 in Ubud, Bali, rent included.

A family of three spends $822 per month in Karak vs $3,273 in Ubud, Bali, rent included.

Karak is about 69% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karak sits 69% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$0.75 PKR 207

$3.37 Rp 59.5K

-77.74%

Three-Course Dinner for Two, Mid-Range

$7.31 PKR 2,027

$38.59 Rp 680.3K

-81.06%

Fast Food Meal (McDonalds, etc)

$5.51 PKR 1,527

$5.52 Rp 97.3K

-0.18%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.75 PKR 207

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.78 PKR 1,879

Cappuccino

$0.56 PKR 155

$2.64 Rp 46.6K

-78.79%

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

$0.36 PKR 98.9

$1.67 Rp 29.5K

-78.44%

Water (0.33 liter bottle)

$0.22 PKR 60.7

$0.77 Rp 13.6K

-71.43%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

Milk (1 liter)

$0.94 PKR 261

$1.55 Rp 27.3K

-39.35%

White Bread (500g)

$0.57 PKR 157

$2.22 Rp 39.2K

-74.32%

Rice (white) (1kg)

$1.09 PKR 302

$1.13 Rp 19.8K

-3.54%

Eggs

$1.11 PKR 308

$2.09 Rp 36.8K

-46.89%

Local Cheese (1kg)

$1.77 PKR 490

$17.39 Rp 306.6K

-89.82%

Chicken Fillets (1kg)

$2.87 PKR 795

$3.87 Rp 68.2K

-25.84%

Beef Round Steak (1kg)

$4.35 PKR 1,205

$12.55 Rp 221.2K

-65.34%

Apples (1kg)

$0.69 PKR 191

$3.62 Rp 63.8K

-80.94%

Banana (1kg)

$0.52 PKR 144

$1.56 Rp 27.5K

-66.67%

Oranges (1kg)

$0.73 PKR 203

$2.35 Rp 41.5K

-68.94%

Tomato (1kg)

$0.48 PKR 134

$2.06 Rp 36.2K

-76.70%

Potato (1kg)

$0.29 PKR 81.1

$1.90 Rp 33.5K

-84.74%

Onion (1kg)

$0.32 PKR 89.6

$2.34 Rp 41.2K

-86.32%

Lettuce (1 head)

$0.16 PKR 43.33

$1.03 Rp 18.2K

-84.47%

Water (1.5 liter bottle)

$0.26 PKR 72.7

$0.55 Rp 9,779

-52.73%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.85 PKR 512

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.33 PKR 368

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.44 PKR 676

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 PKR 638

$2.25 Rp 39.7K

2.22%

Wine (Bottle)

$23.81 Rp 419.7K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

One-way Ticket (Public Transport)

$0.16 PKR 45.06

$0.27 Rp 4,802

-40.74%

Public Transport Monthly Pass (Regular Price)

$8.59 PKR 2,383

$8.66 Rp 152.7K

-0.81%

Taxi Start (Normal Tariff)

$1.28 PKR 355

$0.48 Rp 8,489

166.67%

Taxi (Normal Tariff) (1km)

$0.73 PKR 203

$0.45 Rp 7,863

62.22%

Taxi 1hour Waiting (Normal Tariff)

$1.58 PKR 437

$5.72 Rp 100.8K

-72.38%

Gasoline (1 liter)

$1.25 PKR 347

$0.76 Rp 13.4K

64.47%

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

$21.9K PKR 6.1M

$24.5K Rp 431.6M

-10.69%

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

$25.5K PKR 7.1M

$32.1K Rp 566.3M

-20.48%

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

$103 PKR 28.5K

$83.6 Rp 1.5M

23.24%

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

$5.81 PKR 1,611

$6.46 Rp 113.8K

-10.06%

Internet (50+ Mbps, Unlimited Data)

$16.19 PKR 4,489

$18.99 Rp 334.8K

-14.74%

Gym Membership (Monthly)

$16.60 PKR 4,601

$56.0 Rp 986.8K

-70.34%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

Cinema Ticket

$4.78 PKR 1,326

$4.28 Rp 75.5K

11.68%

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

$75.3 PKR 20.9K

$487 Rp 8.6M

-84.52%

International Primary School, 1 Child (Yearly)

$996 PKR 276.1K

$5,856 Rp 103.2M

-83.00%

Jeans (Levis 501 Or Similar)

$23.90 PKR 6,626

$45.56 Rp 803.2K

-47.54%

Summer Dress (H&M, Zara, etc)

$31.81 PKR 8,819

$36.38 Rp 641.4K

-12.56%

Sport Shoes (Adidas, Nike)

$81.8 PKR 22.7K

$82.0 Rp 1.4M

-0.26%

Men's Leather Business Shoes

$39.51 PKR 11.0K

$80.4 Rp 1.4M

-50.86%

1-bedroom Apartment, City Center (Monthly)

$130 PKR 35.9K

$1,117 Rp 19.7M

-88.40%

1-bedroom Apartment, Outside City Center (Monthly)

$84.3 PKR 23.4K

$701 Rp 12.4M

-87.97%

3-bedroom Apartment, City Center (Monthly)

$285 PKR 79.0K

$3,537 Rp 62.4M

-91.94%

3-bedroom Apartment, Outside City Center (Monthly)

$155 PKR 43.0K

$1,762 Rp 31.1M

-91.19%

Buy Apartment in City Center (m2)

$804 PKR 222.9K

$2,826 Rp 49.8M

-71.55%

Buy Apartment Outside City Center (m2)

$585 PKR 162.2K

$2,292 Rp 40.4M

-74.47%

Average Monthly Net Salary (After Tax)

$170 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: August 30, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $130 in Karak 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.

A mid-range dinner for two costs $7.00 in Karak versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $74.0 vs $293 – making Karak 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

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

Ubud, Bali costs about 226% more than Karak, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $642 per month in Karak 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 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 1% less in Karak. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $75.3 per month in Karak and $487 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 $428, than in Ubud, Bali at $1,396. 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 $428 versus $1,396 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.