Last update: Nov 2026

Cost of Living Comparison Between Karnataka and Ubud, Bali

For one person, living is cheaper in Karnataka: $327 a month against $1,331 in Ubud, Bali, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

16

Cost of Living Index in Karnataka
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Karnataka Living Index
64

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

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Karnataka

🇮🇳 India

$327

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $327 per month in Karnataka vs $1,331 in Ubud, Bali, rent included.

Karnataka $327
Ubud, Bali $1,331

A couple spends around $539 per month in Karnataka vs $2,255 in Ubud, Bali, rent included.

Karnataka $539
Ubud, Bali $2,255

A family of three spends $752 per month in Karnataka vs $3,180 in Ubud, Bali, rent included.

Karnataka $752
Ubud, Bali $3,180

Karnataka is about 75% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both Karnataka and Ubud, Bali are more affordable than the global median – Karnataka 76% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$1.03 ₹97.4

$3.38 Rp 60.9K

-69.53%

Three-Course Dinner for Two, Mid-Range

$10.88 ₹1,028

$34.65 Rp 625.4K

-68.60%

Fast Food Meal (McDonalds, etc)

$3.61 ₹341

$5.57 Rp 100.6K

-35.19%

Cappuccino

$0.93 ₹87.6

$2.62 Rp 47.3K

-64.50%

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

$0.42 ₹39.69

$1.54 Rp 27.8K

-72.73%

Water (0.33 liter bottle)

$0.14 ₹13.35

$0.64 Rp 11.6K

-78.13%

Local Beer (0.5 liter draught)

$1.88 ₹178

$2.67 Rp 48.1K

-29.59%

Imported Beer (0.33 liter bottle)

$2.13 ₹201

$4.26 Rp 76.9K

-50.00%

Milk (1 liter)

$0.52 ₹49.31

$1.46 Rp 26.4K

-64.38%

White Bread (500g)

$0.45 ₹42.20

$2.29 Rp 41.4K

-80.35%

Rice (white) (1kg)

$0.85 ₹80.1

$1.11 Rp 20.0K

-23.42%

Eggs

$0.88 ₹83.3

$2.10 Rp 37.9K

-58.10%

Local Cheese (1kg)

$5.74 ₹542

$15.94 Rp 287.7K

-63.99%

Chicken Fillets (1kg)

$3.44 ₹325

$3.88 Rp 70.1K

-11.34%

Beef Round Steak (1kg)

$11.40 Rp 205.8K

Apples (1kg)

$1.77 ₹167

$3.55 Rp 64.1K

-50.14%

Banana (1kg)

$0.46 ₹43.47

$1.54 Rp 27.7K

-70.13%

Oranges (1kg)

$0.83 ₹78.4

$2.23 Rp 40.2K

-62.78%

Tomato (1kg)

$0.31 ₹28.84

$1.97 Rp 35.6K

-84.26%

Potato (1kg)

$0.36 ₹33.57

$1.86 Rp 33.5K

-80.65%

Onion (1kg)

$0.44 ₹41.50

$2.42 Rp 43.6K

-81.82%

Lettuce (1 head)

$0.25 ₹23.59

$1.02 Rp 18.5K

-75.49%

Water (1.5 liter bottle)

$0.27 ₹25.67

$0.52 Rp 9,427

-48.08%

Cigarettes 20 Pack (Marlboro, Camel)

$1.62 ₹153

$2.20 Rp 39.7K

-26.36%

Wine (Bottle)

$4.39 ₹414

$21.79 Rp 393.2K

-79.85%

Local Beer (0.5 liter bottle)

$1.97 ₹186

$2.33 Rp 42.0K

-15.45%

Imported Beer (0.33 liter bottle)

$2.42 ₹228

$2.97 Rp 53.6K

-18.52%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$2.26 ₹214

One-way Ticket (Public Transport)

$0.23 ₹21.75

$0.25 Rp 4,519

-8.00%

Public Transport Monthly Pass (Regular Price)

$7.07 ₹667

$8.17 Rp 147.5K

-13.46%

Taxi Start (Normal Tariff)

$0.54 ₹51.2

$0.44 Rp 7,901

22.73%

Taxi (Normal Tariff) (1km)

$0.28 ₹26.19

$0.47 Rp 8,446

-40.43%

Taxi 1hour Waiting (Normal Tariff)

$2.13 ₹201

$5.60 Rp 101.1K

-61.96%

Gasoline (1 liter)

$0.97 ₹91.5

$0.83 Rp 14.9K

16.87%

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

$6,213 ₹586.9K

$24.4K Rp 441.3M

-74.58%

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

$12.5K ₹1.2M

$31.7K Rp 572.1M

-60.41%

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

$17.67 ₹1,669

$77.5 Rp 1.4M

-77.19%

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

$3.75 ₹354

$6.14 Rp 110.9K

-38.93%

Internet (50+ Mbps, Unlimited Data)

$3.08 ₹291

$18.92 Rp 341.4K

-83.72%

Gym Membership (Monthly)

$15.06 ₹1,423

$51.0 Rp 920.4K

-70.46%

Tennis Court (1 Hour on Weekend)

$6.43 ₹608

$18.25 Rp 329.4K

-64.77%

Cinema Ticket

$2.58 ₹243

$4.38 Rp 79.1K

-41.10%

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

$44.31 ₹4,186

$492 Rp 8.9M

-91.00%

International Primary School, 1 Child (Yearly)

$1,152 ₹108.8K

$12.2K Rp 220.6M

-90.58%

Jeans (Levis 501 Or Similar)

$18.20 ₹1,719

$45.16 Rp 815.1K

-59.70%

Summer Dress (H&M, Zara, etc)

$19.28 ₹1,822

$34.89 Rp 629.7K

-44.74%

Sport Shoes (Adidas, Nike)

$52.9 ₹4,998

$78.3 Rp 1.4M

-32.44%

Men's Leather Business Shoes

$20.80 ₹1,965

$77.9 Rp 1.4M

-73.29%

1-bedroom Apartment, City Center (Monthly)

$121 ₹11.5K

$1,078 Rp 19.4M

-88.74%

1-bedroom Apartment, Outside City Center (Monthly)

$79.1 ₹7,471

$665 Rp 12.0M

-88.10%

3-bedroom Apartment, City Center (Monthly)

$272 ₹25.7K

$3,510 Rp 63.4M

-92.26%

3-bedroom Apartment, Outside City Center (Monthly)

$194 ₹18.3K

$1,671 Rp 30.2M

-88.39%

Buy Apartment in City Center (m2)

$917 ₹86.6K

$2,340 Rp 42.2M

-60.82%

Buy Apartment Outside City Center (m2)

$529 ₹50.0K

$2,236 Rp 40.4M

-76.34%

Average Monthly Net Salary (After Tax)

$526 ₹49.7K

$166 Rp 3.0M

216.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.9

13.78

-42.67%

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

Last update for Karnataka: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Groceries & Markets

Karnataka

$97 29.7%

Ubud, Bali

$279 21% 188% $182

Accommodation & Living

Karnataka

$79 24.2%

Ubud, Bali

$665 50% 741% $586

Clothing & Footwear

Karnataka

$50 15.3%

Ubud, Bali

$106 8% 113% $56

Eating Out

Karnataka

$46 14.1%

Ubud, Bali

$106 8% 129% $60

Monthly Utilities & Internet

Karnataka

$25 7.5%

Ubud, Bali

$103 7.7% 319% $78

Sport & Entertainment

Karnataka

$20 6.2%

Ubud, Bali

$60 4.5% 196% $40

Getting Around

Karnataka

$9.9 3%

Ubud, Bali

$12 0.9% 20.6% $2

Cost Breakdown

A central one-bedroom costs $121 in Karnataka versus $1,078 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 in Karnataka are about 3.2 times higher, 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 $11 in Karnataka versus $35 in Ubud, Bali. Monthly groceries follow the same trend: $97 vs $279 – making Karnataka the more affordable choice for daily food spending.

Good to know

🇮🇳 Karnataka

🇮🇩 Ubud, Bali

🕒 Local time

12:30 12:30 PM

15:00 3:00 PM

2 h 30 min ahead of Karnataka

🌤 Weather

👥 Population

77,139

74,800

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

100,000 IDR = 5.54 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 94.47 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,262 IDR (100,000 IDR = 4.94 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Karnataka Ubud, Bali 5,220 km ≈ 7 h nonstop flight

From you

Karnataka
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

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

Ubud, Bali costs about 307% more than Karnataka, 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 $491 per month in Karnataka and $1,996 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karnataka, especially for central apartments: a one-bedroom in the center costs $121 there versus $1,078 in Ubud, Bali.

Public transport costs about 13% less in Karnataka. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $44 per month in Karnataka and $492 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $800 monthly budget goes further in Karnataka, where all-in costs run around $327, than in Ubud, Bali at $1,331. In Karnataka 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. Karnataka costs $327 versus $1,331 in Ubud, Bali. Both appeal to remote workers, and the cost gap matters when income varies month to month.

For expats, Karnataka is the easier option financially – housing and daily costs are lower, and overall it costs about 75% less, which matters a lot on a fixed budget or early-career salary.