Last update: Nov 2026

Cost of Living Comparison Between Karwar and Ubud, Bali

For one person, living is cheaper in Karwar: $359 a month against $1,331 in Ubud, Bali, rent and utilities included – about $11,700 less a year. Rent and utilities account for most of the difference.

17

Cost of Living Index in Karwar
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Karwar Living Index
64

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

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Karwar

🇮🇳 India

$359

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $359 per month in Karwar vs $1,331 in Ubud, Bali, rent included.

Karwar $359
Ubud, Bali $1,331

A couple spends around $585 per month in Karwar vs $2,255 in Ubud, Bali, rent included.

Karwar $585
Ubud, Bali $2,255

A family of three spends $810 per month in Karwar vs $3,180 in Ubud, Bali, rent included.

Karwar $810
Ubud, Bali $3,180

Karwar is about 73% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both Karwar and Ubud, Bali are more affordable than the global median – Karwar 73% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$3.20 ₹304

$3.38 Rp 61.3K

-5.33%

Three-Course Dinner for Two, Mid-Range

$11.78 ₹1,116

$34.65 Rp 628.8K

-66.00%

Fast Food Meal (McDonalds, etc)

$4.24 ₹402

$5.57 Rp 101.2K

-23.88%

Cappuccino

$1.97 ₹187

$2.62 Rp 47.5K

-24.81%

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

$0.40 ₹37.74

$1.54 Rp 27.9K

-74.03%

Water (0.33 liter bottle)

$0.17 ₹15.80

$0.64 Rp 11.6K

-73.44%

Local Beer (0.5 liter draught)

$2.16 ₹204

$2.67 Rp 48.4K

-19.10%

Imported Beer (0.33 liter bottle)

$2.30 ₹218

$4.26 Rp 77.4K

-46.01%

Milk (1 liter)

$0.51 ₹47.96

$1.46 Rp 26.5K

-65.07%

White Bread (500g)

$0.41 ₹38.46

$2.29 Rp 41.6K

-82.10%

Rice (white) (1kg)

$0.59 ₹55.6

$1.11 Rp 20.1K

-46.85%

Eggs

$0.89 ₹84.7

$2.10 Rp 38.1K

-57.62%

Local Cheese (1kg)

$3.63 ₹344

$15.94 Rp 289.3K

-77.23%

Chicken Fillets (1kg)

$2.51 ₹238

$3.88 Rp 70.5K

-35.31%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

Apples (1kg)

$1.53 ₹145

$3.55 Rp 64.5K

-56.90%

Banana (1kg)

$0.62 ₹59.1

$1.54 Rp 27.9K

-59.74%

Oranges (1kg)

$0.87 ₹82.8

$2.23 Rp 40.5K

-60.99%

Tomato (1kg)

$0.37 ₹34.65

$1.97 Rp 35.8K

-81.22%

Potato (1kg)

$0.41 ₹38.42

$1.86 Rp 33.7K

-77.96%

Onion (1kg)

$0.36 ₹34.01

$2.42 Rp 43.9K

-85.12%

Lettuce (1 head)

$0.33 ₹31.51

$1.02 Rp 18.6K

-67.65%

Water (1.5 liter bottle)

$0.25 ₹23.42

$0.52 Rp 9,479

-51.92%

Cigarettes 20 Pack (Marlboro, Camel)

$3.85 ₹365

$2.20 Rp 39.9K

75.00%

Wine (Bottle)

$4.10 ₹388

$21.79 Rp 395.4K

-81.18%

Local Beer (0.5 liter bottle)

$1.48 ₹140

$2.33 Rp 42.2K

-36.48%

Imported Beer (0.33 liter bottle)

$2.54 ₹240

$2.97 Rp 53.9K

-14.48%

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

$5.15 ₹488

One-way Ticket (Public Transport)

$0.21 ₹19.86

$0.25 Rp 4,544

-16.00%

Public Transport Monthly Pass (Regular Price)

$7.28 ₹690

$8.17 Rp 148.4K

-10.89%

Taxi Start (Normal Tariff)

$0.97 ₹91.8

$0.44 Rp 7,944

120.45%

Taxi (Normal Tariff) (1km)

$0.22 ₹20.87

$0.47 Rp 8,493

-53.19%

Taxi 1hour Waiting (Normal Tariff)

$2.59 ₹245

$5.60 Rp 101.6K

-53.75%

Gasoline (1 liter)

$1.12 ₹106

$0.83 Rp 15.0K

34.94%

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

$11.1K ₹1.1M

$24.4K Rp 443.7M

-54.47%

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

$19.6K ₹1.9M

$31.7K Rp 575.2M

-38.11%

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

$28.14 ₹2,666

$77.5 Rp 1.4M

-63.68%

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

$2.93 ₹277

$6.14 Rp 111.5K

-52.28%

Internet (50+ Mbps, Unlimited Data)

$6.21 ₹588

$18.92 Rp 343.3K

-67.18%

Gym Membership (Monthly)

$14.23 ₹1,348

$51.0 Rp 925.4K

-72.09%

Tennis Court (1 Hour on Weekend)

$6.73 ₹638

$18.25 Rp 331.2K

-63.12%

Cinema Ticket

$2.64 ₹250

$4.38 Rp 79.5K

-39.73%

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

$55.8 ₹5,282

$492 Rp 8.9M

-88.68%

International Primary School, 1 Child (Yearly)

$839 ₹79.5K

$12.2K Rp 221.8M

-93.13%

Jeans (Levis 501 Or Similar)

$29.85 ₹2,827

$45.16 Rp 819.6K

-33.90%

Summer Dress (H&M, Zara, etc)

$27.77 ₹2,631

$34.89 Rp 633.2K

-20.41%

Sport Shoes (Adidas, Nike)

$31.81 ₹3,014

$78.3 Rp 1.4M

-59.38%

Men's Leather Business Shoes

$31.70 ₹3,003

$77.9 Rp 1.4M

-59.29%

1-bedroom Apartment, City Center (Monthly)

$121 ₹11.5K

$1,078 Rp 19.6M

-88.77%

1-bedroom Apartment, Outside City Center (Monthly)

$76.1 ₹7,209

$665 Rp 12.1M

-88.55%

3-bedroom Apartment, City Center (Monthly)

$272 ₹25.8K

$3,510 Rp 63.7M

-92.25%

3-bedroom Apartment, Outside City Center (Monthly)

$187 ₹17.7K

$1,671 Rp 30.3M

-88.79%

Buy Apartment in City Center (m2)

$915 ₹86.6K

$2,340 Rp 42.5M

-60.92%

Buy Apartment Outside City Center (m2)

$542 ₹51.4K

$2,236 Rp 40.6M

-75.75%

Average Monthly Net Salary (After Tax)

$463 ₹43.9K

$166 Rp 3.0M

178.58%

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 Karwar: November 3, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Groceries & Markets

Karwar

$82 22.9%

Ubud, Bali

$279 21% 240% $197

Eating Out

Karwar

$80 22.2%

Ubud, Bali

$106 8% 32.8% $26

Accommodation & Living

Karwar

$76 21.2%

Ubud, Bali

$665 50% 774% $589

Clothing & Footwear

Karwar

$55 15.2%

Ubud, Bali

$106 8% 95% $52

Monthly Utilities & Internet

Karwar

$37 10.4%

Ubud, Bali

$103 7.7% 175% $65

Sport & Entertainment

Karwar

$20 5.4%

Ubud, Bali

$60 4.5% 206% $40

Getting Around

Karwar

$10 2.8%

Ubud, Bali

$12 0.9% 17.3% $1.8

Cost Breakdown

A central one-bedroom costs $121 in Karwar 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 Karwar are about 2.8 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 $12 in Karwar versus $35 in Ubud, Bali. Monthly groceries follow the same trend: $82 vs $279 – making Karwar the more affordable choice for daily food spending.

Good to know

🇮🇳 Karwar

🇮🇩 Ubud, Bali

🕒 Local time

11:32 11:32 AM

14:02 2:02 PM

2 h 30 min ahead of Karwar

🌤 Weather

👥 Population

60,000

74,800

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.56 USD

1,000 INR = 9.44 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 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 4, 2026: 1 USD = 94.73 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.44 EUR).

Indonesian Rupiah exchange rates as of November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,295 IDR (100,000 IDR = 4.93 EUR).

USD to INR in detail →

On the map

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Highest

Between locations

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

From you

Karwar
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

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

Yes – Ubud, Bali is pricier by about 270%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $539 per month in Karwar 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 Karwar, especially for central apartments: a one-bedroom in the center costs $121 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $12 in Karwar and $35 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $359 in Karwar and $1,331 in Ubud, Bali. That makes Karwar about 73% cheaper.

A $1,000 monthly budget goes further in Karwar, where all-in costs run around $359, than in Ubud, Bali at $1,331. In Karwar it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Karwar – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

For expats, Karwar is the easier option financially – housing and daily costs are lower, and overall it costs about 73% less, which matters a lot on a fixed budget or early-career salary.