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 $641 per month in Karbala vs $1,395 in Ubud, Bali, rent included.

A couple spends around $964 per month in Karbala vs $2,559 in Ubud, Bali, rent included.

A family of three spends $1,287 per month in Karbala vs $3,724 in Ubud, Bali, rent included.

Karbala is about 54% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karbala sits 52% below the global median, while Ubud, Bali is 4% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$4.87 IQD 6,378

$3.48 Rp 59.7K

39.94%

Three-Course Dinner for Two, Mid-Range

$15.32 IQD 20.1K

$32.88 Rp 563.4K

-53.41%

Fast Food Meal (McDonalds, etc)

$5.33 IQD 6,980

$5.09 Rp 87.2K

4.72%

Cappuccino

$1.62 IQD 2,115

$2.75 Rp 47.1K

-41.09%

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

$0.39 IQD 516

$1.38 Rp 23.7K

-71.74%

Water (0.33 liter bottle)

$0.30 IQD 394

$0.71 Rp 12.2K

-57.75%

Local Beer (0.5 liter draught)

$1.88 IQD 2,458

$2.88 Rp 49.3K

-34.72%

Imported Beer (0.33 liter bottle)

$2.90 IQD 3,795

$3.87 Rp 66.3K

-25.06%

Milk (1 liter)

$1.19 IQD 1,562

$1.79 Rp 30.7K

-33.52%

White Bread (500g)

$0.73 IQD 960

$2.45 Rp 41.9K

-70.20%

Rice (white) (1kg)

$1.45 IQD 1,895

$1.21 Rp 20.7K

19.83%

Eggs

$1.72 IQD 2,253

$2.39 Rp 40.9K

-28.03%

Local Cheese (1kg)

$5.11 IQD 6,695

$14.70 Rp 251.9K

-65.24%

Chicken Fillets (1kg)

$4.68 IQD 6,121

$4.24 Rp 72.7K

10.38%

Beef Round Steak (1kg)

$9.59 IQD 12.6K

$12.08 Rp 206.9K

-20.61%

Apples (1kg)

$0.99 IQD 1,297

$3.66 Rp 62.8K

-72.95%

Banana (1kg)

$1.07 IQD 1,406

$1.61 Rp 27.5K

-33.54%

Oranges (1kg)

$0.90 IQD 1,178

$2.72 Rp 46.6K

-66.91%

Tomato (1kg)

$0.66 IQD 862

$2.27 Rp 38.9K

-70.93%

Potato (1kg)

$0.68 IQD 885

$1.90 Rp 32.6K

-64.21%

Onion (1kg)

$0.51 IQD 668

$2.30 Rp 39.4K

-77.83%

Lettuce (1 head)

$0.60 IQD 787

$1.02 Rp 17.4K

-41.18%

Water (1.5 liter bottle)

$0.58 IQD 764

$0.78 Rp 13.3K

-25.64%

Cigarettes 20 Pack (Marlboro, Camel)

$1.94 IQD 2,541

$3.24 Rp 55.6K

-40.12%

Wine (Bottle)

$24.06 Rp 412.3K

Local Beer (0.5 liter bottle)

$1.06 IQD 1,387

$2.84 Rp 48.7K

-62.68%

Imported Beer (0.33 liter bottle)

$2.17 IQD 2,840

$2.79 Rp 47.8K

-22.22%

One-way Ticket (Public Transport)

$0.37 IQD 481

$0.27 Rp 4,606

37.04%

Public Transport Monthly Pass (Regular Price)

$31.31 IQD 41.0K

$8.24 Rp 141.2K

279.98%

Taxi Start (Normal Tariff)

$2.24 IQD 2,929

$0.45 Rp 7,700

397.78%

Taxi (Normal Tariff) (1km)

$1.48 IQD 1,931

$0.43 Rp 7,298

244.19%

Taxi 1hour Waiting (Normal Tariff)

$7.71 IQD 10.1K

$6.02 Rp 103.2K

28.07%

Gasoline (1 liter)

$0.49 IQD 639

$0.86 Rp 14.7K

-43.02%

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

$11.3K IQD 14.8M

$26.1K Rp 446.6M

-56.75%

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

$14.7K IQD 19.2M

$31.7K Rp 543.2M

-53.67%

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

$71.4 IQD 93.5K

$78.3 Rp 1.3M

-8.83%

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

$25.13 IQD 32.9K

$4.00 Rp 68.5K

528.25%

Internet (50+ Mbps, Unlimited Data)

$49.37 IQD 64.6K

$24.35 Rp 417.3K

102.75%

Gym Membership (Monthly)

$22.67 IQD 29.7K

$95.8 Rp 1.6M

-76.33%

Tennis Court (1 Hour on Weekend)

$17.07 IQD 22.3K

$6.46 Rp 110.6K

164.24%

Cinema Ticket

$8.80 IQD 11.5K

$4.01 Rp 68.7K

119.45%

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

$128 IQD 167.1K

$302 Rp 5.2M

-57.68%

International Primary School, 1 Child (Yearly)

$778 IQD 1.0M

$6,545 Rp 112.2M

-88.11%

Jeans (Levis 501 Or Similar)

$17.09 IQD 22.4K

$53.4 Rp 915.5K

-68.01%

Summer Dress (H&M, Zara, etc)

$14.30 IQD 18.7K

$38.55 Rp 660.6K

-62.91%

Sport Shoes (Adidas, Nike)

$30.75 IQD 40.3K

$89.1 Rp 1.5M

-65.48%

Men's Leather Business Shoes

$32.28 IQD 42.3K

$78.9 Rp 1.4M

-59.09%

1-bedroom Apartment, City Center (Monthly)

$257 IQD 336.6K

$1,016 Rp 17.4M

-74.69%

1-bedroom Apartment, Outside City Center (Monthly)

$146 IQD 190.8K

$672 Rp 11.5M

-78.32%

3-bedroom Apartment, City Center (Monthly)

$351 IQD 459.2K

$3,368 Rp 57.7M

-89.59%

3-bedroom Apartment, Outside City Center (Monthly)

$243 IQD 318.3K

$2,108 Rp 36.1M

-88.47%

Buy Apartment in City Center (m2)

$958 IQD 1.3M

$3,001 Rp 51.4M

-68.07%

Buy Apartment Outside City Center (m2)

$333 IQD 435.6K

$2,337 Rp 40.0M

-85.76%

Average Monthly Net Salary (After Tax)

$477 IQD 623.9K

$178 Rp 3.0M

168.47%

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: April 11, 2026

Last update for Ubud, Bali: April 12, 2026

Cost Breakdown

A central one-bedroom costs $257 in Karbala versus $1,016 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 168% 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 in Karbala versus $33 in Ubud, Bali. Monthly groceries follow the same trend: $140 vs $300 – 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 117%, 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 $962 per month in Karbala and $2,092 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 $641 in Karbala and $1,395 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 $641, than in Ubud, Bali at $1,395. 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.