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

Monthly Cost of Living

A single person spends $661 per month in Karbala vs $1,404 in Ubud, Bali, rent included.

A couple spends around $973 per month in Karbala vs $2,549 in Ubud, Bali, rent included.

A family of three spends $1,284 per month in Karbala vs $3,694 in Ubud, Bali, rent included.

Karbala is about 53% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karbala sits 51% below the global median, while Ubud, Bali is 4% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$5.06 IQD 6,623

$3.57 Rp 64.2K

41.74%

Three-Course Dinner for Two, Mid-Range

$15.13 IQD 19.8K

$32.50 Rp 584.3K

-53.45%

Fast Food Meal (McDonalds, etc)

$5.25 IQD 6,881

$4.86 Rp 87.4K

8.02%

Cappuccino

$1.58 IQD 2,071

$2.75 Rp 49.4K

-42.55%

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

$0.36 IQD 474

$1.32 Rp 23.8K

-72.73%

Water (0.33 liter bottle)

$0.30 IQD 395

$0.70 Rp 12.6K

-57.14%

Local Beer (0.5 liter draught)

$1.94 IQD 2,538

$2.91 Rp 52.3K

-33.33%

Imported Beer (0.33 liter bottle)

$2.79 IQD 3,653

$3.79 Rp 68.2K

-26.39%

Milk (1 liter)

$1.13 IQD 1,475

$1.71 Rp 30.7K

-33.92%

White Bread (500g)

$0.70 IQD 912

$2.47 Rp 44.5K

-71.66%

Rice (white) (1kg)

$1.44 IQD 1,891

$1.20 Rp 21.6K

20.00%

Eggs

$1.80 IQD 2,360

$2.44 Rp 43.9K

-26.23%

Local Cheese (1kg)

$5.00 IQD 6,548

$14.38 Rp 258.5K

-65.23%

Chicken Fillets (1kg)

$4.70 IQD 6,155

$4.31 Rp 77.4K

9.05%

Beef Round Steak (1kg)

$9.57 IQD 12.5K

$12.21 Rp 219.5K

-21.62%

Apples (1kg)

$0.99 IQD 1,301

$3.68 Rp 66.2K

-73.10%

Banana (1kg)

$1.04 IQD 1,364

$1.55 Rp 27.9K

-32.90%

Oranges (1kg)

$0.92 IQD 1,205

$2.79 Rp 50.1K

-67.03%

Tomato (1kg)

$0.68 IQD 889

$2.33 Rp 41.9K

-70.82%

Potato (1kg)

$0.64 IQD 841

$1.97 Rp 35.4K

-67.51%

Onion (1kg)

$0.50 IQD 659

$2.31 Rp 41.5K

-78.35%

Lettuce (1 head)

$0.60 IQD 791

$1.06 Rp 19.1K

-43.40%

Water (1.5 liter bottle)

$0.58 IQD 759

$0.73 Rp 13.1K

-20.55%

Cigarettes 20 Pack (Marlboro, Camel)

$1.96 IQD 2,572

$3.28 Rp 58.9K

-40.24%

Wine (Bottle)

$22.79 Rp 409.7K

Local Beer (0.5 liter bottle)

$1.01 IQD 1,323

$2.81 Rp 50.4K

-64.06%

Imported Beer (0.33 liter bottle)

$2.09 IQD 2,733

$2.78 Rp 50.0K

-24.82%

One-way Ticket (Public Transport)

$0.39 IQD 511

$0.29 Rp 5,234

34.48%

Public Transport Monthly Pass (Regular Price)

$30.63 IQD 40.1K

$8.06 Rp 144.9K

280.02%

Taxi Start (Normal Tariff)

$2.27 IQD 2,974

$0.45 Rp 8,073

404.44%

Taxi (Normal Tariff) (1km)

$1.48 IQD 1,939

$0.45 Rp 8,121

228.89%

Taxi 1hour Waiting (Normal Tariff)

$7.80 IQD 10.2K

$6.24 Rp 112.1K

25.00%

Gasoline (1 liter)

$0.51 IQD 674

$0.85 Rp 15.3K

-40.00%

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

$11.5K IQD 15.1M

$26.0K Rp 467.0M

-55.60%

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

$14.3K IQD 18.7M

$31.7K Rp 569.0M

-54.93%

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

$72.7 IQD 95.2K

$80.8 Rp 1.5M

-9.94%

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

$24.73 IQD 32.4K

$4.06 Rp 72.9K

509.11%

Internet (50+ Mbps, Unlimited Data)

$49.57 IQD 64.9K

$24.42 Rp 439.0K

102.99%

Gym Membership (Monthly)

$23.23 IQD 30.4K

$97.7 Rp 1.8M

-76.22%

Tennis Court (1 Hour on Weekend)

$17.00 IQD 22.3K

$6.45 Rp 115.9K

163.57%

Cinema Ticket

$9.05 IQD 11.8K

$4.04 Rp 72.6K

124.01%

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

$126 IQD 165.1K

$304 Rp 5.5M

-58.53%

International Primary School, 1 Child (Yearly)

$769 IQD 1.0M

$6,621 Rp 119.0M

-88.39%

Jeans (Levis 501 Or Similar)

$17.18 IQD 22.5K

$54.2 Rp 974.9K

-68.32%

Summer Dress (H&M, Zara, etc)

$13.76 IQD 18.0K

$38.78 Rp 697.0K

-64.52%

Sport Shoes (Adidas, Nike)

$30.58 IQD 40.0K

$86.1 Rp 1.5M

-64.50%

Men's Leather Business Shoes

$32.20 IQD 42.2K

$76.7 Rp 1.4M

-58.00%

1-bedroom Apartment, City Center (Monthly)

$251 IQD 328.7K

$986 Rp 17.7M

-74.53%

1-bedroom Apartment, Outside City Center (Monthly)

$148 IQD 193.9K

$658 Rp 11.8M

-77.49%

3-bedroom Apartment, City Center (Monthly)

$346 IQD 453.1K

$3,369 Rp 60.6M

-89.73%

3-bedroom Apartment, Outside City Center (Monthly)

$244 IQD 319.0K

$2,066 Rp 37.1M

-88.21%

Buy Apartment in City Center (m2)

$1,157 IQD 1.5M

$2,741 Rp 49.3M

-57.79%

Buy Apartment Outside City Center (m2)

$152 IQD 198.8K

$2,228 Rp 40.0M

-93.18%

Average Monthly Net Salary (After Tax)

$395 IQD 516.8K

$163 Rp 2.9M

141.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.67

13.28

-57.30%

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

Last update for Karbala: June 8, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A central one-bedroom costs $251 in Karbala versus $986 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 141% higher in Karbala, 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 $15.00 in Karbala versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $138 vs $297 – making Karbala 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

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

Yes – Ubud, Bali is pricier by about 113%, 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 $991 per month in Karbala and $2,106 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $661 in Karbala and $1,404 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 280% less in Karbala. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,500 monthly budget goes further in Karbala, where all-in costs run around $661, than in Ubud, Bali at $1,404. In Karbala it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Karbala – 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 Karbala. 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.