Last update: Oct 2026

Cost of Living Comparison Between Sargodha and Ubud, Bali

For one person, living is cheaper in Sargodha: $512 a month against $1,368 in Ubud, Bali, rent and utilities included – about $10,300 less a year. Rent and utilities account for most of the difference.

25

Cost of Living Index in Sargodha
Learn more

Sargodha Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Sargodha

🇵🇰 Pakistan

$512

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $512 in Sargodha versus $1,368 in Ubud, Bali.

Sargodha $512
Ubud, Bali $1,368

Estimated couple costs with rent: $802 in Sargodha versus $2,314 in Ubud, Bali.

Sargodha $802
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $1,091 in Sargodha versus $3,260 in Ubud, Bali.

Sargodha $1,091
Ubud, Bali $3,260

Living in Sargodha costs roughly 63% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Sargodha is 62% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$3.53 PKR 977

$3.33 Rp 59.9K

6.01%

Three-Course Dinner for Two, Mid-Range

$23.38 PKR 6,471

$35.18 Rp 633.2K

-33.54%

Fast Food Meal (McDonalds, etc)

$5.55 PKR 1,537

$5.80 Rp 104.5K

-4.31%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.70 PKR 1,025

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.05 PKR 1,952

Cappuccino

$2.69 PKR 745

$2.73 Rp 49.1K

-1.47%

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

$0.36 PKR 98.5

$1.64 Rp 29.5K

-78.05%

Water (0.33 liter bottle)

$0.21 PKR 58.0

$0.83 Rp 15.0K

-74.70%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

Milk (1 liter)

$0.98 PKR 270

$1.50 Rp 27.1K

-34.67%

White Bread (500g)

$0.78 PKR 216

$2.30 Rp 41.4K

-66.09%

Rice (white) (1kg)

$1.30 PKR 360

$1.18 Rp 21.2K

10.17%

Eggs

$1.22 PKR 338

$2.14 Rp 38.6K

-42.99%

Local Cheese (1kg)

$6.03 PKR 1,668

$17.48 Rp 314.6K

-65.50%

Chicken Fillets (1kg)

$3.18 PKR 880

$4.03 Rp 72.5K

-21.09%

Beef Round Steak (1kg)

$5.33 PKR 1,476

$12.23 Rp 220.1K

-56.42%

Apples (1kg)

$1.28 PKR 355

$3.55 Rp 63.9K

-63.94%

Banana (1kg)

$0.81 PKR 223

$1.57 Rp 28.3K

-48.41%

Oranges (1kg)

$1.03 PKR 284

$2.24 Rp 40.2K

-54.02%

Tomato (1kg)

$0.56 PKR 156

$1.93 Rp 34.7K

-70.98%

Potato (1kg)

$0.27 PKR 73.8

$1.88 Rp 33.9K

-85.64%

Onion (1kg)

$0.36 PKR 98.6

$2.29 Rp 41.3K

-84.28%

Lettuce (1 head)

$0.28 PKR 76.8

$0.99 Rp 17.9K

-71.72%

Water (1.5 liter bottle)

$0.42 PKR 117

$0.53 Rp 9,475

-20.75%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.81 PKR 502

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.25 PKR 347

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.41 PKR 667

Cigarettes 20 Pack (Marlboro, Camel)

$2.24 PKR 621

$2.28 Rp 41.1K

-1.75%

Wine (Bottle)

$23.01 Rp 414.2K

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.21 PKR 57.0

$0.24 Rp 4,315

-12.50%

Public Transport Monthly Pass (Regular Price)

$9.79 PKR 2,710

$8.82 Rp 158.7K

11.00%

Taxi Start (Normal Tariff)

$1.27 PKR 352

$0.48 Rp 8,684

164.58%

Taxi (Normal Tariff) (1km)

$0.73 PKR 203

$0.46 Rp 8,233

58.70%

Taxi 1hour Waiting (Normal Tariff)

$1.58 PKR 438

$5.45 Rp 98.2K

-71.01%

Gasoline (1 liter)

$1.36 PKR 377

$0.88 Rp 15.9K

54.55%

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

$21.7K PKR 6.0M

$24.6K Rp 442.2M

-11.58%

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

$24.0K PKR 6.7M

$31.2K Rp 561.4M

-22.94%

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

$102 PKR 28.2K

$83.0 Rp 1.5M

22.76%

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

$6.03 PKR 1,670

$6.45 Rp 116.0K

-6.51%

Internet (50+ Mbps, Unlimited Data)

$17.30 PKR 4,787

$18.57 Rp 334.2K

-6.84%

Gym Membership (Monthly)

$14.71 PKR 4,071

$55.8 Rp 1.0M

-73.65%

Tennis Court (1 Hour on Weekend)

$8.58 PKR 2,373

$18.11 Rp 326.0K

-52.62%

Cinema Ticket

$4.39 PKR 1,216

$4.38 Rp 78.9K

0.23%

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

$73.6 PKR 20.4K

$493 Rp 8.9M

-85.07%

International Primary School, 1 Child (Yearly)

$1,024 PKR 283.4K

$5,754 Rp 103.6M

-82.20%

Jeans (Levis 501 Or Similar)

$26.10 PKR 7,225

$46.19 Rp 831.4K

-43.49%

Summer Dress (H&M, Zara, etc)

$34.29 PKR 9,491

$35.33 Rp 636.0K

-2.94%

Sport Shoes (Adidas, Nike)

$96.5 PKR 26.7K

$79.1 Rp 1.4M

22.01%

Men's Leather Business Shoes

$40.00 PKR 11.1K

$78.4 Rp 1.4M

-48.97%

1-bedroom Apartment, City Center (Monthly)

$125 PKR 34.6K

$1,142 Rp 20.6M

-89.05%

1-bedroom Apartment, Outside City Center (Monthly)

$75.7 PKR 20.9K

$676 Rp 12.2M

-88.80%

3-bedroom Apartment, City Center (Monthly)

$248 PKR 68.6K

$3,503 Rp 63.1M

-92.93%

3-bedroom Apartment, Outside City Center (Monthly)

$149 PKR 41.3K

$1,700 Rp 30.6M

-91.21%

Buy Apartment in City Center (m2)

$932 PKR 258.1K

$2,784 Rp 50.1M

-66.51%

Buy Apartment Outside City Center (m2)

$478 PKR 132.4K

$2,241 Rp 40.3M

-78.65%

Average Monthly Net Salary (After Tax)

$182 PKR 50.4K

$165 Rp 3.0M

10.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.08

13.78

-5.08%

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

Last update for Sargodha: October 13, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Sargodha

$125 24.5%

Ubud, Bali

$108 7.9% 13.7% $17

Groceries & Markets

Sargodha

$104 20.2%

Ubud, Bali

$290 21.2% 181% $187

Clothing & Footwear

Sargodha

$89 17.3%

Ubud, Bali

$108 7.9% 21.4% $19

Eating Out

Sargodha

$79 15.5%

Ubud, Bali

$109 8% 36.9% $29

Accommodation & Living

Sargodha

$76 14.8%

Ubud, Bali

$676 49.4% 793% $600

Sport & Entertainment

Sargodha

$24 4.6%

Ubud, Bali

$65 4.7% 175% $41

Getting Around

Sargodha

$16 3%

Ubud, Bali

$13 0.9% 19.3% $3

Cost Breakdown

A one-bedroom apartment in the center runs $125 in Sargodha and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Sargodha pays 11% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Sargodha vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $104 vs $290 per month, with Sargodha cheaper across the board.

Good to know

🇵🇰 Sargodha

🇮🇩 Ubud, Bali

🕒 Local time

04:47 4:47 AM

07:47 7:47 AM

3 h ahead of Sargodha

🌤 Weather

👥 Population

507,817

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 19, 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 19, 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

Lowest

Highest

Between locations

Sargodha Ubud, Bali 6,390 km ≈ 8 h nonstop flight

From you

Sargodha
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

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

Sargodha wins on cost – living expenses run 167% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Sargodha the obvious pick if budget is a priority.

Average pay runs 11% higher in Sargodha, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $125 in Sargodha versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $73.6 in Sargodha versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 180% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $512 in Sargodha versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Sargodha but tight or insufficient in Ubud, Bali. The gap between the two cities makes Sargodha the clear choice for anyone on this budget.

Both work as nomad bases, but Sargodha delivers better value – similar infrastructure at $512 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Sargodha hard to pass up.

Safety-wise, Sargodha and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Sargodha gentler on the wallet – expenses run 167% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.