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

🙂 Solo nomad: Muzaffarabad is 65.8% cheaper than Ubud, Bali without rent, and 80.2% cheaper with rent.
🙂 Family of 3: Muzaffarabad is 71% cheaper than Ubud, Bali without rent, and 81.8% cheaper with rent.
Currency
🍽 Eating Out
Muzaffarabad
Ubud, Bali
Difference
Meal at Budget Restaurant
$1.43 PKR 399
$3.47 Rp 58.5K
-58.79%
Three-Course Dinner for Two, Mid-Range
$14.25 PKR 3,986
$32.10 Rp 541.6K
-55.61%
Fast Food Meal (McDonalds, etc)
$2.18 PKR 610
$4.86 Rp 82.0K
-55.14%
Local Non-Alcoholic Beer (0.5 liter draught)
$1.45 PKR 406
-
-
Imported Non-Alcoholic Beer (0.33 liter bottle)
$3.47 PKR 970
-
-
Cappuccino
$1.03 PKR 289
$2.82 Rp 47.6K
-63.48%
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$0.32 PKR 89.0
$1.37 Rp 23.2K
-76.64%
Water (0.33 liter bottle)
$0.23 PKR 64.5
$0.73 Rp 12.3K
-68.49%
Local Beer (0.5 liter draught)
-
$2.90 Rp 48.9K
-
Imported Beer (0.33 liter bottle)
-
$3.92 Rp 66.1K
-
🛒 Groceries & Markets
Muzaffarabad
Ubud, Bali
Difference
Milk (1 liter)
$0.78 PKR 220
$1.74 Rp 29.4K
-55.17%
White Bread (500g)
$0.55 PKR 155
$2.44 Rp 41.2K
-77.46%
Rice (white) (1kg)
$1.23 PKR 343
$1.17 Rp 19.7K
5.13%
Eggs
$1.12 PKR 313
$2.35 Rp 39.7K
-52.34%
Local Cheese (1kg)
$6.25 PKR 1,749
$14.78 Rp 249.4K
-57.71%
Chicken Fillets (1kg)
$2.63 PKR 735
$4.25 Rp 71.7K
-38.12%
Beef Round Steak (1kg)
$2.90 PKR 810
$12.21 Rp 206.1K
-76.25%
Apples (1kg)
$0.94 PKR 264
$3.72 Rp 62.8K
-74.73%
Banana (1kg)
$0.65 PKR 181
$1.56 Rp 26.2K
-58.33%
Oranges (1kg)
$0.55 PKR 154
$2.69 Rp 45.4K
-79.55%
Tomato (1kg)
$0.47 PKR 130
$2.34 Rp 39.4K
-79.91%
Potato (1kg)
$0.33 PKR 93.1
$2.00 Rp 33.7K
-83.50%
Onion (1kg)
$0.47 PKR 131
$2.31 Rp 38.9K
-79.65%
Lettuce (1 head)
$0.24 PKR 67.0
$1.01 Rp 17.1K
-76.24%
Water (1.5 liter bottle)
$0.36 PKR 101
$0.73 Rp 12.3K
-50.68%
Bottle of Non-Alcoholic Wine (Mid-Range)
$1.41 PKR 393
-
-
Local Non-Alcoholic Beer (0.5 liter bottle)
$0.99 PKR 277
-
-
Imported Non-Alcoholic Beer (0.33 liter bottle)
$2.27 PKR 636
-
-
Cigarettes 20 Pack (Marlboro, Camel)
$1.45 PKR 404
$3.31 Rp 55.9K
-56.19%
Wine (Bottle)
-
$25.14 Rp 424.2K
-
Local Beer (0.5 liter bottle)
-
$2.90 Rp 48.9K
-
Imported Beer (0.33 liter bottle)
-
$2.77 Rp 46.8K
-
🚌 Getting Around
Muzaffarabad
Ubud, Bali
Difference
One-way Ticket (Public Transport)
$0.34 PKR 94.2
$0.27 Rp 4,526
25.93%
Public Transport Monthly Pass (Regular Price)
$7.24 PKR 2,025
$8.26 Rp 139.4K
-12.35%
Taxi Start (Normal Tariff)
$0.86 PKR 240
$0.45 Rp 7,634
91.11%
Taxi (Normal Tariff) (1km)
$0.33 PKR 91.8
$0.42 Rp 7,129
-21.43%
Taxi 1hour Waiting (Normal Tariff)
$2.61 PKR 729
$6.26 Rp 105.5K
-58.31%
Gasoline (1 liter)
$0.92 PKR 256
$0.86 Rp 14.6K
6.98%
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$17.8K PKR 5.0M
$25.9K Rp 436.8M
-31.24%
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$23.1K PKR 6.5M
$31.9K Rp 538.1M
-27.68%
🧾 Monthly Utilities & Internet
Muzaffarabad
Ubud, Bali
Difference
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$53.2 PKR 14.9K
$80.8 Rp 1.4M
-34.08%
SIM Card Monthly Plan (Calls and 10GB+ Data)
$3.96 PKR 1,107
$3.98 Rp 67.1K
-0.50%
Internet (50+ Mbps, Unlimited Data)
$11.69 PKR 3,269
$23.55 Rp 397.3K
-50.36%
🎉 Sport & Entertainment
Muzaffarabad
Ubud, Bali
Difference
Gym Membership (Monthly)
$7.24 PKR 2,024
$97.3 Rp 1.6M
-92.56%
Tennis Court (1 Hour on Weekend)
$5.34 PKR 1,493
$6.42 Rp 108.4K
-16.82%
Cinema Ticket
$3.49 PKR 977
$4.16 Rp 70.3K
-16.11%
🧸 Childcare & Education
Muzaffarabad
Ubud, Bali
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$24.55 PKR 6,866
$294 Rp 5.0M
-91.65%
International Primary School, 1 Child (Yearly)
$956 PKR 267.3K
$6,548 Rp 110.5M
-85.40%
👕👟 Clothing & Footwear
Muzaffarabad
Ubud, Bali
Difference
Jeans (Levis 501 Or Similar)
$5.36 PKR 1,500
$54.2 Rp 913.9K
-90.11%
Summer Dress (H&M, Zara, etc)
$8.99 PKR 2,514
$37.95 Rp 640.3K
-76.31%
Sport Shoes (Adidas, Nike)
$86.8 PKR 24.3K
$88.1 Rp 1.5M
-1.49%
Men's Leather Business Shoes
$10.65 PKR 2,979
$78.1 Rp 1.3M
-86.36%
🏠 Accommodation & Living
Muzaffarabad
Ubud, Bali
Difference
1-bedroom Apartment, City Center (Monthly)
$58.1 PKR 16.3K
$995 Rp 16.8M
-94.16%
1-bedroom Apartment, Outside City Center (Monthly)
$26.63 PKR 7,449
$668 Rp 11.3M
-96.01%
3-bedroom Apartment, City Center (Monthly)
$141 PKR 39.4K
$3,391 Rp 57.2M
-95.85%
3-bedroom Apartment, Outside City Center (Monthly)
$112 PKR 31.2K
$2,080 Rp 35.1M
-94.63%
Buy Apartment in City Center (m2)
$778 PKR 217.5K
$3,037 Rp 51.2M
-74.39%
Buy Apartment Outside City Center (m2)
$537 PKR 150.2K
$2,378 Rp 40.1M
-77.42%
💵 Salaries & Financials
Muzaffarabad
Ubud, Bali
Difference
Average Monthly Net Salary (After Tax)
$172 PKR 48.2K
$180 Rp 3.0M
-4.04%
20-Year Fixed Mortgage Interest Rate (Annual %)
19
13.28
43.07%

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

Last update for Muzaffarabad: February 28, 2026

Last update for Ubud, Bali: March 1, 2026

City Median Internet Speeds Comparison (Updated December 2025)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index

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