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

Monthly Cost of Living

A single person spends $393 per month in Karwar vs $1,394 in Ubud, Bali, rent included.

A couple spends around $626 per month in Karwar vs $2,551 in Ubud, Bali, rent included.

A family of three spends $858 per month in Karwar vs $3,708 in Ubud, Bali, rent included.

Karwar is about 72% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Karwar sits 70% below the global median, while Ubud, Bali is 5% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$2.56 ₹242

$3.40 Rp 60.2K

-24.71%

Three-Course Dinner for Two, Mid-Range

$13.04 ₹1,234

$32.38 Rp 573.6K

-59.73%

Fast Food Meal (McDonalds, etc)

$3.99 ₹377

$5.00 Rp 88.6K

-20.20%

Cappuccino

$2.09 ₹198

$2.82 Rp 50.0K

-25.89%

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

$0.48 ₹45.55

$1.38 Rp 24.4K

-65.22%

Water (0.33 liter bottle)

$0.19 ₹18.22

$0.73 Rp 13.0K

-73.97%

Local Beer (0.5 liter draught)

$2.30 ₹218

$2.98 Rp 52.8K

-22.82%

Imported Beer (0.33 liter bottle)

$2.95 ₹279

$3.97 Rp 70.3K

-25.69%

Milk (1 liter)

$0.57 ₹53.7

$1.79 Rp 31.8K

-68.16%

White Bread (500g)

$0.46 ₹43.48

$2.46 Rp 43.7K

-81.30%

Rice (white) (1kg)

$0.68 ₹64.4

$1.20 Rp 21.2K

-43.33%

Eggs

$0.97 ₹91.8

$2.39 Rp 42.3K

-59.41%

Local Cheese (1kg)

$4.23 ₹400

$14.40 Rp 255.1K

-70.63%

Chicken Fillets (1kg)

$2.82 ₹267

$4.28 Rp 75.9K

-34.11%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

Apples (1kg)

$1.84 ₹174

$3.78 Rp 67.0K

-51.32%

Banana (1kg)

$0.64 ₹60.7

$1.63 Rp 28.9K

-60.74%

Oranges (1kg)

$0.96 ₹90.4

$2.80 Rp 49.6K

-65.71%

Tomato (1kg)

$0.46 ₹43.59

$2.26 Rp 40.0K

-79.65%

Potato (1kg)

$0.46 ₹43.47

$2.00 Rp 35.3K

-77.00%

Onion (1kg)

$0.46 ₹43.12

$2.21 Rp 39.2K

-79.19%

Lettuce (1 head)

$0.36 ₹34.28

$1.07 Rp 18.9K

-66.36%

Water (1.5 liter bottle)

$0.28 ₹26.29

$0.76 Rp 13.5K

-63.16%

Cigarettes 20 Pack (Marlboro, Camel)

$3.22 ₹304

$3.13 Rp 55.4K

2.88%

Wine (Bottle)

$6.38 ₹603

$23.81 Rp 421.9K

-73.20%

Local Beer (0.5 liter bottle)

$1.65 ₹156

$2.84 Rp 50.3K

-41.90%

Imported Beer (0.33 liter bottle)

$4.24 ₹401

$2.78 Rp 49.2K

52.52%

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

$4.39 ₹416

One-way Ticket (Public Transport)

$0.28 ₹26.22

$0.27 Rp 4,726

3.70%

Public Transport Monthly Pass (Regular Price)

$8.74 ₹827

$8.37 Rp 148.2K

4.42%

Taxi Start (Normal Tariff)

$0.56 ₹53.1

$0.45 Rp 8,034

24.44%

Taxi (Normal Tariff) (1km)

$0.24 ₹22.83

$0.43 Rp 7,578

-44.19%

Taxi 1hour Waiting (Normal Tariff)

$0.56 ₹52.5

$5.98 Rp 105.9K

-90.64%

Gasoline (1 liter)

$1.22 ₹115

$0.80 Rp 14.2K

52.50%

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

$11.6K ₹1.1M

$25.8K Rp 457.2M

-55.17%

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

$17.7K ₹1.7M

$31.8K Rp 563.4M

-44.30%

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

$31.51 ₹2,981

$80.7 Rp 1.4M

-60.97%

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

$3.20 ₹302

$4.14 Rp 73.3K

-22.71%

Internet (50+ Mbps, Unlimited Data)

$7.12 ₹673

$24.12 Rp 427.2K

-70.48%

Gym Membership (Monthly)

$16.07 ₹1,520

$97.8 Rp 1.7M

-83.56%

Tennis Court (1 Hour on Weekend)

$7.00 ₹663

$6.64 Rp 117.7K

5.42%

Cinema Ticket

$2.98 ₹282

$4.04 Rp 71.5K

-26.24%

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

$61.7 ₹5,840

$297 Rp 5.3M

-79.22%

International Primary School, 1 Child (Yearly)

$962 ₹91.0K

$6,590 Rp 116.7M

-85.41%

Jeans (Levis 501 Or Similar)

$33.11 ₹3,133

$55.1 Rp 976.8K

-39.95%

Summer Dress (H&M, Zara, etc)

$30.25 ₹2,862

$38.51 Rp 682.1K

-21.45%

Sport Shoes (Adidas, Nike)

$34.74 ₹3,287

$86.1 Rp 1.5M

-59.67%

Men's Leather Business Shoes

$34.49 ₹3,263

$78.0 Rp 1.4M

-55.75%

1-bedroom Apartment, City Center (Monthly)

$123 ₹11.7K

$985 Rp 17.5M

-87.47%

1-bedroom Apartment, Outside City Center (Monthly)

$76.9 ₹7,278

$665 Rp 11.8M

-88.43%

3-bedroom Apartment, City Center (Monthly)

$269 ₹25.5K

$3,446 Rp 61.0M

-92.18%

3-bedroom Apartment, Outside City Center (Monthly)

$182 ₹17.2K

$2,042 Rp 36.2M

-91.09%

Buy Apartment in City Center (m2)

$971 ₹91.8K

$2,829 Rp 50.1M

-65.69%

Buy Apartment Outside City Center (m2)

$519 ₹49.1K

$2,282 Rp 40.4M

-77.26%

Average Monthly Net Salary (After Tax)

$480 ₹45.4K

$169 Rp 3.0M

183.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.69

13.28

-42.09%

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

Last update for Karwar: June 14, 2026

Last update for Ubud, Bali: June 14, 2026

Cost Breakdown

A central one-bedroom costs $123 in Karwar versus $985 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 184% higher in Karwar, 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 $13.00 in Karwar versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $99.0 vs $299 – making Karwar 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

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

Yes – Ubud, Bali is pricier by about 254%, 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 $590 per month in Karwar and $2,091 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $13.00 in Karwar and $32.00 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 $393 in Karwar and $1,394 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,500 monthly budget goes further in Karwar, where all-in costs run around $393, than in Ubud, Bali at $1,394. 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 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 Karwar. 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.