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

Monthly Cost of Living

A single person spends $406 per month in Muzaffarabad vs $1,396 in Ubud, Bali, rent included.

A couple spends around $621 per month in Muzaffarabad vs $2,334 in Ubud, Bali, rent included.

A family of three spends $836 per month in Muzaffarabad vs $3,273 in Ubud, Bali, rent included.

Muzaffarabad is about 71% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Muzaffarabad sits 70% below the global median, while Ubud, Bali is 2% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.41 PKR 392

$3.37 Rp 59.7K

-58.16%

Three-Course Dinner for Two, Mid-Range

$16.39 PKR 4,547

$38.59 Rp 682.4K

-57.53%

Fast Food Meal (McDonalds, etc)

$2.18 PKR 604

$5.52 Rp 97.6K

-60.51%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.48 PKR 411

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.42 PKR 947

Cappuccino

$1.05 PKR 291

$2.64 Rp 46.8K

-60.23%

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

$0.44 PKR 121

$1.67 Rp 29.6K

-73.65%

Water (0.33 liter bottle)

$0.25 PKR 69.6

$0.77 Rp 13.6K

-67.53%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

Milk (1 liter)

$0.84 PKR 234

$1.55 Rp 27.3K

-45.81%

White Bread (500g)

$0.59 PKR 163

$2.22 Rp 39.3K

-73.42%

Rice (white) (1kg)

$1.02 PKR 282

$1.13 Rp 19.9K

-9.73%

Eggs

$0.88 PKR 243

$2.09 Rp 36.9K

-57.89%

Local Cheese (1kg)

$6.34 PKR 1,760

$17.39 Rp 307.6K

-63.54%

Chicken Fillets (1kg)

$2.55 PKR 708

$3.87 Rp 68.4K

-34.11%

Beef Round Steak (1kg)

$3.17 PKR 879

$12.55 Rp 221.9K

-74.74%

Apples (1kg)

$1.11 PKR 308

$3.62 Rp 63.9K

-69.34%

Banana (1kg)

$0.81 PKR 226

$1.56 Rp 27.6K

-48.08%

Oranges (1kg)

$0.37 PKR 103

$2.35 Rp 41.6K

-84.26%

Tomato (1kg)

$0.35 PKR 95.9

$2.06 Rp 36.4K

-83.01%

Potato (1kg)

$0.35 PKR 96.9

$1.90 Rp 33.6K

-81.58%

Onion (1kg)

$0.30 PKR 83.6

$2.34 Rp 41.3K

-87.18%

Lettuce (1 head)

$0.33 PKR 91.7

$1.03 Rp 18.2K

-67.96%

Water (1.5 liter bottle)

$0.34 PKR 95.3

$0.55 Rp 9,809

-38.18%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.78 PKR 495

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.16 PKR 321

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.37 PKR 657

Cigarettes 20 Pack (Marlboro, Camel)

$0.93 PKR 258

$2.25 Rp 39.8K

-58.67%

Wine (Bottle)

$23.81 Rp 421.0K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

One-way Ticket (Public Transport)

$0.19 PKR 52.3

$0.27 Rp 4,816

-29.63%

Public Transport Monthly Pass (Regular Price)

$9.56 PKR 2,653

$8.66 Rp 153.2K

10.39%

Taxi Start (Normal Tariff)

$0.93 PKR 258

$0.48 Rp 8,515

93.75%

Taxi (Normal Tariff) (1km)

$0.37 PKR 103

$0.45 Rp 7,887

-17.78%

Taxi 1hour Waiting (Normal Tariff)

$1.58 PKR 439

$5.72 Rp 101.1K

-72.38%

Gasoline (1 liter)

$1.00 PKR 277

$0.76 Rp 13.4K

31.58%

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

$17.9K PKR 5.0M

$24.5K Rp 433.0M

-26.70%

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

$24.3K PKR 6.7M

$32.1K Rp 568.0M

-24.46%

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

$115 PKR 31.9K

$83.6 Rp 1.5M

37.68%

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

$5.55 PKR 1,541

$6.46 Rp 114.2K

-14.09%

Internet (50+ Mbps, Unlimited Data)

$8.86 PKR 2,459

$18.99 Rp 335.9K

-53.34%

Gym Membership (Monthly)

$14.47 PKR 4,015

$56.0 Rp 989.8K

-74.15%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

Cinema Ticket

$4.26 PKR 1,182

$4.28 Rp 75.7K

-0.47%

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

$49.51 PKR 13.7K

$487 Rp 8.6M

-89.82%

International Primary School, 1 Child (Yearly)

$839 PKR 232.6K

$5,856 Rp 103.6M

-85.68%

Jeans (Levis 501 Or Similar)

$5.52 PKR 1,532

$45.56 Rp 805.6K

-87.88%

Summer Dress (H&M, Zara, etc)

$9.14 PKR 2,535

$36.38 Rp 643.3K

-74.88%

Sport Shoes (Adidas, Nike)

$90.3 PKR 25.0K

$82.0 Rp 1.4M

10.16%

Men's Leather Business Shoes

$10.71 PKR 2,970

$80.4 Rp 1.4M

-86.68%

1-bedroom Apartment, City Center (Monthly)

$126 PKR 34.8K

$1,117 Rp 19.7M

-88.76%

1-bedroom Apartment, Outside City Center (Monthly)

$77.0 PKR 21.4K

$701 Rp 12.4M

-89.01%

3-bedroom Apartment, City Center (Monthly)

$249 PKR 69.1K

$3,537 Rp 62.5M

-92.95%

3-bedroom Apartment, Outside City Center (Monthly)

$151 PKR 41.8K

$1,762 Rp 31.2M

-91.45%

Buy Apartment in City Center (m2)

$945 PKR 262.2K

$2,826 Rp 50.0M

-66.55%

Buy Apartment Outside City Center (m2)

$527 PKR 146.2K

$2,292 Rp 40.5M

-77.01%

Average Monthly Net Salary (After Tax)

$294 PKR 81.6K

$170 Rp 3.0M

73.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.85%

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

Last update for Muzaffarabad: September 1, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $126 in Muzaffarabad versus $1,117 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 73% higher in Muzaffarabad, 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 $16.00 in Muzaffarabad versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $84.0 vs $293 – making Muzaffarabad 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

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

Yes – Ubud, Bali is pricier by about 244%, 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 $609 per month in Muzaffarabad and $2,095 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Muzaffarabad, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 249% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $16.00 in Muzaffarabad and $39.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Muzaffarabad, where all-in costs run around $406, than in Ubud, Bali at $1,396. In Muzaffarabad it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Muzaffarabad – 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 Muzaffarabad. 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.