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 $287 per month in Muzaffarabad vs $1,419 in Ubud, Bali, rent included.

A couple spends around $489 per month in Muzaffarabad vs $2,540 in Ubud, Bali, rent included.

A family of three spends $690 per month in Muzaffarabad vs $3,660 in Ubud, Bali, rent included.

Muzaffarabad is about 80% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Muzaffarabad sits 79% below the global median, while Ubud, Bali is 6% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.37 PKR 382

$3.56 Rp 63.7K

-61.52%

Three-Course Dinner for Two, Mid-Range

$14.42 PKR 4,011

$32.73 Rp 584.5K

-55.94%

Fast Food Meal (McDonalds, etc)

$2.15 PKR 598

$4.95 Rp 88.4K

-56.57%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.37 PKR 382

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.51 PKR 977

Cappuccino

$1.03 PKR 286

$2.71 Rp 48.4K

-61.99%

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

$0.32 PKR 88.8

$1.34 Rp 24.0K

-76.12%

Water (0.33 liter bottle)

$0.21 PKR 58.4

$0.70 Rp 12.5K

-70.00%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

Milk (1 liter)

$0.80 PKR 221

$1.81 Rp 32.3K

-55.80%

White Bread (500g)

$0.56 PKR 157

$2.52 Rp 45.0K

-77.78%

Rice (white) (1kg)

$1.25 PKR 349

$1.16 Rp 20.7K

7.76%

Eggs

$1.16 PKR 323

$2.46 Rp 43.9K

-52.85%

Local Cheese (1kg)

$5.95 PKR 1,654

$14.71 Rp 262.7K

-59.55%

Chicken Fillets (1kg)

$2.66 PKR 740

$4.32 Rp 77.1K

-38.43%

Beef Round Steak (1kg)

$2.94 PKR 817

$12.14 Rp 216.7K

-75.78%

Apples (1kg)

$1.00 PKR 279

$3.84 Rp 68.6K

-73.96%

Banana (1kg)

$0.63 PKR 176

$1.56 Rp 27.8K

-59.62%

Oranges (1kg)

$0.54 PKR 151

$2.83 Rp 50.6K

-80.92%

Tomato (1kg)

$0.47 PKR 131

$2.33 Rp 41.5K

-79.83%

Potato (1kg)

$0.36 PKR 101

$1.91 Rp 34.2K

-81.15%

Onion (1kg)

$0.43 PKR 120

$2.20 Rp 39.3K

-80.45%

Lettuce (1 head)

$0.26 PKR 72.6

$1.01 Rp 18.1K

-74.26%

Water (1.5 liter bottle)

$0.36 PKR 101

$0.78 Rp 13.8K

-53.85%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.38 PKR 384

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.02 PKR 285

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.32 PKR 645

Cigarettes 20 Pack (Marlboro, Camel)

$1.43 PKR 398

$3.32 Rp 59.2K

-56.93%

Wine (Bottle)

$23.74 Rp 423.9K

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

One-way Ticket (Public Transport)

$0.37 PKR 102

$0.27 Rp 4,800

37.04%

Public Transport Monthly Pass (Regular Price)

$7.00 PKR 1,947

$8.03 Rp 143.4K

-12.83%

Taxi Start (Normal Tariff)

$0.85 PKR 236

$0.46 Rp 8,150

84.78%

Taxi (Normal Tariff) (1km)

$0.35 PKR 98.7

$0.45 Rp 8,037

-22.22%

Taxi 1hour Waiting (Normal Tariff)

$2.69 PKR 748

$6.10 Rp 108.9K

-55.90%

Gasoline (1 liter)

$0.95 PKR 265

$0.79 Rp 14.2K

20.25%

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

$17.4K PKR 4.8M

$26.1K Rp 467.0M

-33.39%

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

$22.7K PKR 6.3M

$32.1K Rp 573.6M

-29.29%

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

$53.9 PKR 15.0K

$79.9 Rp 1.4M

-32.60%

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

$4.00 PKR 1,114

$4.06 Rp 72.6K

-1.48%

Internet (50+ Mbps, Unlimited Data)

$11.28 PKR 3,138

$23.52 Rp 420.0K

-52.04%

Gym Membership (Monthly)

$7.11 PKR 1,978

$98.7 Rp 1.8M

-92.80%

Tennis Court (1 Hour on Weekend)

$5.37 PKR 1,493

$6.63 Rp 118.4K

-19.00%

Cinema Ticket

$3.47 PKR 965

$4.15 Rp 74.1K

-16.39%

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

$24.39 PKR 6,786

$304 Rp 5.4M

-91.98%

International Primary School, 1 Child (Yearly)

$934 PKR 259.9K

$6,613 Rp 118.1M

-85.88%

Jeans (Levis 501 Or Similar)

$5.27 PKR 1,466

$55.5 Rp 991.8K

-90.51%

Summer Dress (H&M, Zara, etc)

$9.03 PKR 2,513

$38.31 Rp 684.1K

-76.43%

Sport Shoes (Adidas, Nike)

$87.0 PKR 24.2K

$88.6 Rp 1.6M

-1.85%

Men's Leather Business Shoes

$10.45 PKR 2,907

$77.9 Rp 1.4M

-86.58%

1-bedroom Apartment, City Center (Monthly)

$59.0 PKR 16.4K

$1,006 Rp 18.0M

-94.14%

1-bedroom Apartment, Outside City Center (Monthly)

$27.15 PKR 7,553

$675 Rp 12.1M

-95.98%

3-bedroom Apartment, City Center (Monthly)

$143 PKR 39.7K

$3,442 Rp 61.5M

-95.85%

3-bedroom Apartment, Outside City Center (Monthly)

$110 PKR 30.7K

$2,039 Rp 36.4M

-94.60%

Buy Apartment in City Center (m2)

$1,020 PKR 283.7K

$2,841 Rp 50.7M

-64.11%

Buy Apartment Outside City Center (m2)

$441 PKR 122.6K

$2,264 Rp 40.4M

-80.54%

Average Monthly Net Salary (After Tax)

$291 PKR 80.9K

$165 Rp 3.0M

76.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

43.07%

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

Last update for Muzaffarabad: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $59.0 in Muzaffarabad versus $1,006 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 76% 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 $14.00 in Muzaffarabad versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $84.0 vs $302 – 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 394%, 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 $431 per month in Muzaffarabad and $2,129 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 260% 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 $14.00 in Muzaffarabad and $33.00 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 $287, than in Ubud, Bali at $1,419. 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.