Last update: Oct 2026

Cost of Living Comparison Between Muzaffarabad and Ubud, Bali

For one person, living is cheaper in Muzaffarabad: $385 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,600 less a year. Rent and utilities account for most of the difference.

19

Cost of Living Index in Muzaffarabad
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Muzaffarabad Living Index
66

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

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Muzaffarabad

🇵🇰 Pakistan

$385

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $385 per month in Muzaffarabad vs $1,353 in Ubud, Bali, rent included.

Muzaffarabad $385
Ubud, Bali $1,353

A couple spends around $558 per month in Muzaffarabad vs $2,297 in Ubud, Bali, rent included.

Muzaffarabad $558
Ubud, Bali $2,297

A family of three spends $730 per month in Muzaffarabad vs $3,241 in Ubud, Bali, rent included.

Muzaffarabad $730
Ubud, Bali $3,241

Muzaffarabad is about 72% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Muzaffarabad sits 72% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.40 PKR 387

$3.23 Rp 58.1K

-56.66%

Three-Course Dinner for Two, Mid-Range

$8.97 PKR 2,482

$34.88 Rp 627.8K

-74.28%

Fast Food Meal (McDonalds, etc)

$2.21 PKR 613

$5.70 Rp 102.5K

-61.23%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.47 PKR 406

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.97 PKR 822

Cappuccino

$1.06 PKR 293

$2.62 Rp 47.1K

-59.54%

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

$0.41 PKR 112

$1.72 Rp 31.0K

-76.16%

Water (0.33 liter bottle)

$0.21 PKR 58.8

$0.81 Rp 14.6K

-74.07%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$1.00 PKR 276

$1.57 Rp 28.3K

-36.31%

White Bread (500g)

$0.68 PKR 187

$2.19 Rp 39.5K

-68.95%

Rice (white) (1kg)

$0.94 PKR 261

$1.18 Rp 21.2K

-20.34%

Eggs

$0.93 PKR 258

$2.16 Rp 38.8K

-56.94%

Local Cheese (1kg)

$3.58 PKR 991

$17.65 Rp 317.7K

-79.72%

Chicken Fillets (1kg)

$2.55 PKR 707

$3.78 Rp 68.0K

-32.54%

Beef Round Steak (1kg)

$3.28 PKR 908

$11.95 Rp 215.1K

-72.55%

Apples (1kg)

$1.10 PKR 305

$3.60 Rp 64.8K

-69.44%

Banana (1kg)

$0.56 PKR 156

$1.59 Rp 28.6K

-64.78%

Oranges (1kg)

$0.37 PKR 103

$2.31 Rp 41.6K

-83.98%

Tomato (1kg)

$0.35 PKR 95.9

$1.91 Rp 34.3K

-81.68%

Potato (1kg)

$0.35 PKR 96.7

$1.78 Rp 32.1K

-80.34%

Onion (1kg)

$0.28 PKR 77.5

$2.33 Rp 41.9K

-87.98%

Lettuce (1 head)

$0.42 PKR 115

$1.00 Rp 18.0K

-58.00%

Water (1.5 liter bottle)

$0.25 PKR 69.0

$0.53 Rp 9,509

-52.83%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.41 PKR 390

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.75 PKR 206

Imported Non-Alcoholic Beer (0.33 liter bottle)

$0.70 PKR 193

Cigarettes 20 Pack (Marlboro, Camel)

$0.87 PKR 241

$2.29 Rp 41.1K

-62.01%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.19 PKR 52.7

$0.23 Rp 4,112

-17.39%

Public Transport Monthly Pass (Regular Price)

$10.03 PKR 2,776

$8.90 Rp 160.2K

12.70%

Taxi Start (Normal Tariff)

$1.09 PKR 303

$0.47 Rp 8,466

131.91%

Taxi (Normal Tariff) (1km)

$0.73 PKR 203

$0.43 Rp 7,737

69.77%

Taxi 1hour Waiting (Normal Tariff)

$1.40 PKR 389

$5.47 Rp 98.4K

-74.41%

Gasoline (1 liter)

$0.95 PKR 262

$0.83 Rp 14.9K

14.46%

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

$22.3K PKR 6.2M

$23.9K Rp 429.8M

-6.69%

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

$25.6K PKR 7.1M

$32.8K Rp 590.1M

-21.89%

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

$118 PKR 32.5K

$80.0 Rp 1.4M

46.89%

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

$5.53 PKR 1,530

$6.56 Rp 118.1K

-15.70%

Internet (50+ Mbps, Unlimited Data)

$9.20 PKR 2,547

$18.60 Rp 334.8K

-50.54%

Gym Membership (Monthly)

$14.84 PKR 4,107

$54.1 Rp 974.1K

-72.58%

Tennis Court (1 Hour on Weekend)

$8.20 PKR 2,269

$18.28 Rp 329.0K

-55.14%

Cinema Ticket

$2.05 PKR 567

$4.25 Rp 76.5K

-51.76%

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

$46.79 PKR 13.0K

$493 Rp 8.9M

-90.50%

International Primary School, 1 Child (Yearly)

$1,039 PKR 287.6K

$5,597 Rp 100.7M

-81.43%

Jeans (Levis 501 Or Similar)

$5.46 PKR 1,512

$45.58 Rp 820.4K

-88.02%

Summer Dress (H&M, Zara, etc)

$8.83 PKR 2,444

$34.96 Rp 629.4K

-74.74%

Sport Shoes (Adidas, Nike)

$49.77 PKR 13.8K

$77.7 Rp 1.4M

-35.96%

Men's Leather Business Shoes

$10.63 PKR 2,942

$78.5 Rp 1.4M

-86.46%

1-bedroom Apartment, City Center (Monthly)

$124 PKR 34.4K

$1,131 Rp 20.4M

-89.00%

1-bedroom Apartment, Outside City Center (Monthly)

$76.1 PKR 21.0K

$673 Rp 12.1M

-88.70%

3-bedroom Apartment, City Center (Monthly)

$256 PKR 70.8K

$3,613 Rp 65.0M

-92.92%

3-bedroom Apartment, Outside City Center (Monthly)

$146 PKR 40.5K

$1,702 Rp 30.6M

-91.39%

Buy Apartment in City Center (m2)

$947 PKR 262.0K

$2,717 Rp 48.9M

-65.16%

Buy Apartment Outside City Center (m2)

$483 PKR 133.7K

$2,241 Rp 40.3M

-78.45%

Average Monthly Net Salary (After Tax)

$289 PKR 80.1K

$166 Rp 3.0M

73.85%

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: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Muzaffarabad

$132 34.3%

Ubud, Bali

$105 7.8% 20.5% $27

Accommodation & Living

Muzaffarabad

$76 19.7%

Ubud, Bali

$673 49.7% 785% $597

Groceries & Markets

Muzaffarabad

$76 19.7%

Ubud, Bali

$287 21.2% 278% $211

Clothing & Footwear

Muzaffarabad

$34 8.7%

Ubud, Bali

$107 7.9% 217% $73

Eating Out

Muzaffarabad

$33 8.6%

Ubud, Bali

$106 7.9% 222% $73

Sport & Entertainment

Muzaffarabad

$19 4.9%

Ubud, Bali

$63 4.6% 231% $44

Getting Around

Muzaffarabad

$16 4%

Ubud, Bali

$12 0.9% 20.1% $3.1

Cost Breakdown

A central one-bedroom costs $124 in Muzaffarabad versus $1,131 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 74% 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 $9.00 in Muzaffarabad versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $76.0 vs $287 – making Muzaffarabad the more affordable choice for daily food spending.

Good to know

🇵🇰 Muzaffarabad

🇮🇩 Ubud, Bali

🕒 Local time

15:52 3:52 PM

18:52 6:52 PM

3 h ahead of Muzaffarabad

🌤 Weather

👥 Population

149,913

74,800

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PKR in detail →

On the map

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Highest

Between locations

Muzaffarabad Ubud, Bali 6,490 km ≈ 9 h nonstop flight

From you

Muzaffarabad
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

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

Yes – Ubud, Bali is pricier by about 251%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $578 per month in Muzaffarabad and $2,030 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 278% 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 $9.00 in Muzaffarabad and $35.00 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 $385, than in Ubud, Bali at $1,353. 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.