Last update: Oct 2026

Cost of Living Comparison Between Skardu and Ubud, Bali

For one person, living is cheaper in Skardu: $426 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,100 less a year. Rent and utilities account for most of the difference.

22

Cost of Living Index in Skardu
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Skardu Living Index
66

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

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Skardu

🇵🇰 Pakistan

$426

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

A single person spends $426 per month in Skardu vs $1,353 in Ubud, Bali, rent included.

Skardu $426
Ubud, Bali $1,353

A couple spends around $636 per month in Skardu vs $2,297 in Ubud, Bali, rent included.

Skardu $636
Ubud, Bali $2,297

A family of three spends $847 per month in Skardu vs $3,241 in Ubud, Bali, rent included.

Skardu $847
Ubud, Bali $3,241

Skardu is about 69% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Skardu sits 69% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.84 PKR 509

$3.23 Rp 58.1K

-43.03%

Three-Course Dinner for Two, Mid-Range

$11.31 PKR 3,132

$34.88 Rp 627.8K

-67.57%

Fast Food Meal (McDonalds, etc)

$4.65 PKR 1,286

$5.70 Rp 102.5K

-18.42%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.72 PKR 753

Imported Non-Alcoholic Beer (0.33 liter bottle)

$5.11 PKR 1,415

Cappuccino

$1.68 PKR 464

$2.62 Rp 47.1K

-35.88%

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

$0.31 PKR 84.5

$1.72 Rp 31.0K

-81.98%

Water (0.33 liter bottle)

$0.18 PKR 50.3

$0.81 Rp 14.6K

-77.78%

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)

$0.86 PKR 238

$1.57 Rp 28.3K

-45.22%

White Bread (500g)

$0.59 PKR 164

$2.19 Rp 39.5K

-73.06%

Rice (white) (1kg)

$1.16 PKR 320

$1.18 Rp 21.2K

-1.69%

Eggs

$1.20 PKR 333

$2.16 Rp 38.8K

-44.44%

Local Cheese (1kg)

$5.40 PKR 1,494

$17.65 Rp 317.7K

-69.41%

Chicken Fillets (1kg)

$2.50 PKR 691

$3.78 Rp 68.0K

-33.86%

Beef Round Steak (1kg)

$5.02 PKR 1,389

$11.95 Rp 215.1K

-57.99%

Apples (1kg)

$1.10 PKR 305

$3.60 Rp 64.8K

-69.44%

Banana (1kg)

$0.54 PKR 149

$1.59 Rp 28.6K

-66.04%

Oranges (1kg)

$0.79 PKR 220

$2.31 Rp 41.6K

-65.80%

Tomato (1kg)

$0.55 PKR 153

$1.91 Rp 34.3K

-71.20%

Potato (1kg)

$0.28 PKR 76.3

$1.78 Rp 32.1K

-84.27%

Onion (1kg)

$0.35 PKR 97.5

$2.33 Rp 41.9K

-84.98%

Lettuce (1 head)

$0.46 PKR 127

$1.00 Rp 18.0K

-54.00%

Water (1.5 liter bottle)

$0.38 PKR 104

$0.53 Rp 9,509

-28.30%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.59 PKR 441

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.07 PKR 295

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.04 PKR 563

Cigarettes 20 Pack (Marlboro, Camel)

$2.10 PKR 580

$2.29 Rp 41.1K

-8.30%

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)

$0.16 PKR 45.37

$0.23 Rp 4,112

-30.43%

Public Transport Monthly Pass (Regular Price)

$9.06 PKR 2,509

$8.90 Rp 160.2K

1.80%

Taxi Start (Normal Tariff)

$1.24 PKR 343

$0.47 Rp 8,466

163.83%

Taxi (Normal Tariff) (1km)

$0.71 PKR 196

$0.43 Rp 7,737

65.12%

Taxi 1hour Waiting (Normal Tariff)

$1.83 PKR 506

$5.47 Rp 98.4K

-66.54%

Gasoline (1 liter)

$1.18 PKR 327

$0.83 Rp 14.9K

42.17%

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

$19.1K PKR 5.3M

$23.9K Rp 429.8M

-20.17%

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

$26.2K PKR 7.3M

$32.8K Rp 590.1M

-20.02%

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

$87.8 PKR 24.3K

$80.0 Rp 1.4M

9.79%

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

$3.60 PKR 996

$6.56 Rp 118.1K

-45.12%

Internet (50+ Mbps, Unlimited Data)

$13.36 PKR 3,697

$18.60 Rp 334.8K

-28.17%

Gym Membership (Monthly)

$15.33 PKR 4,243

$54.1 Rp 974.1K

-71.67%

Tennis Court (1 Hour on Weekend)

$7.98 PKR 2,208

$18.28 Rp 329.0K

-56.35%

Cinema Ticket

$4.88 PKR 1,351

$4.25 Rp 76.5K

14.82%

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

$47.71 PKR 13.2K

$493 Rp 8.9M

-90.32%

International Primary School, 1 Child (Yearly)

$1,082 PKR 299.5K

$5,597 Rp 100.7M

-80.67%

Jeans (Levis 501 Or Similar)

$19.16 PKR 5,304

$45.58 Rp 820.4K

-57.96%

Summer Dress (H&M, Zara, etc)

$24.54 PKR 6,793

$34.96 Rp 629.4K

-29.81%

Sport Shoes (Adidas, Nike)

$59.7 PKR 16.5K

$77.7 Rp 1.4M

-23.25%

Men's Leather Business Shoes

$34.15 PKR 9,451

$78.5 Rp 1.4M

-56.51%

1-bedroom Apartment, City Center (Monthly)

$128 PKR 35.4K

$1,131 Rp 20.4M

-88.71%

1-bedroom Apartment, Outside City Center (Monthly)

$78.3 PKR 21.7K

$673 Rp 12.1M

-88.37%

3-bedroom Apartment, City Center (Monthly)

$250 PKR 69.3K

$3,613 Rp 65.0M

-93.07%

3-bedroom Apartment, Outside City Center (Monthly)

$139 PKR 38.4K

$1,702 Rp 30.6M

-91.84%

Buy Apartment in City Center (m2)

$1,070 PKR 296.0K

$2,717 Rp 48.9M

-60.64%

Buy Apartment Outside City Center (m2)

$494 PKR 136.8K

$2,241 Rp 40.3M

-77.95%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-5.66%

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

Last update for Skardu: October 17, 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

Skardu

$105 24.6%

Ubud, Bali

$105 7.8% 0.4% $0.4

Groceries & Markets

Skardu

$90 21.2%

Ubud, Bali

$287 21.2% 218% $197

Accommodation & Living

Skardu

$78 18.4%

Ubud, Bali

$673 49.7% 760% $595

Clothing & Footwear

Skardu

$62 14.5%

Ubud, Bali

$107 7.9% 72.2% $45

Eating Out

Skardu

$51 11.9%

Ubud, Bali

$106 7.9% 110% $56

Sport & Entertainment

Skardu

$25 5.9%

Ubud, Bali

$63 4.6% 150% $38

Getting Around

Skardu

$15 3.4%

Ubud, Bali

$12 0.9% 14.3% $2.1

Cost Breakdown

A central one-bedroom costs $128 in Skardu 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.

A mid-range dinner for two costs $11.00 in Skardu versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $90.0 vs $287 – making Skardu the more affordable choice for daily food spending.

Good to know

🇵🇰 Skardu

🇮🇩 Ubud, Bali

🕒 Local time

18:58 6:58 PM

21:58 9:58 PM

3 h ahead of Skardu

🌤 Weather

👥 Population

260,000

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 22, 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 22, 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

Skardu Ubud, Bali 6,400 km ≈ 9 h nonstop flight

From you

Skardu
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

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

Monthly costs with rent: $426 in Skardu, $1,353 in Ubud, Bali – roughly 218% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $638 per month in Skardu 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 Skardu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 218% 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 $11.00 in Skardu and $35.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Skardu, where all-in costs run around $426, than in Ubud, Bali at $1,353. In Skardu it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $426 in Skardu to $1,353 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Skardu. 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.