Last update: Oct 2026

Cost of Living Comparison Between Surat and Ubud, Bali

For one person, living is cheaper in Surat: $799 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,600 less a year. Other living expenses account for most of the difference.

39

Cost of Living Index in Surat
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Surat Living Index
65

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

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Surat

🇮🇳 India

$799

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $799 in Surat versus $1,349 in Ubud, Bali.

Surat $799
Ubud, Bali $1,349

Estimated couple costs with rent: $853 in Surat versus $2,305 in Ubud, Bali.

Surat $853
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $906 in Surat versus $3,261 in Ubud, Bali.

Surat $906
Ubud, Bali $3,261

Living in Surat costs roughly 41% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.14 ₹298

$3.32 Rp 60.3K

-5.42%

Three-Course Dinner for Two, Mid-Range

$10.59 ₹1,005

$35.64 Rp 646.7K

-70.29%

Fast Food Meal (McDonalds, etc)

$3.22 ₹305

$5.53 Rp 100.4K

-41.77%

Cappuccino

$1.76 ₹167

$2.72 Rp 49.3K

-35.29%

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

$0.39 ₹37.11

$1.70 Rp 30.9K

-77.06%

Water (0.33 liter bottle)

$0.14 ₹13.58

$0.76 Rp 13.8K

-81.58%

Local Beer (0.5 liter draught)

$3.21 ₹305

$2.65 Rp 48.2K

21.13%

Imported Beer (0.33 liter bottle)

$3.39 ₹322

$4.38 Rp 79.5K

-22.60%

Milk (1 liter)

$0.72 ₹68.1

$1.49 Rp 27.1K

-51.68%

White Bread (500g)

$0.46 ₹43.76

$2.28 Rp 41.3K

-79.82%

Rice (white) (1kg)

$0.72 ₹68.5

$1.19 Rp 21.6K

-39.50%

Eggs

$0.90 ₹85.5

$2.04 Rp 36.9K

-55.88%

Local Cheese (1kg)

$4.63 ₹439

$17.70 Rp 321.2K

-73.84%

Chicken Fillets (1kg)

$2.74 ₹260

$3.96 Rp 71.9K

-30.81%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

Apples (1kg)

$1.67 ₹158

$3.66 Rp 66.3K

-54.37%

Banana (1kg)

$0.57 ₹54.5

$1.52 Rp 27.5K

-62.50%

Oranges (1kg)

$0.76 ₹71.9

$2.23 Rp 40.4K

-65.92%

Tomato (1kg)

$0.55 ₹52.1

$1.97 Rp 35.8K

-72.08%

Potato (1kg)

$0.39 ₹36.76

$1.85 Rp 33.5K

-78.92%

Onion (1kg)

$0.43 ₹40.97

$2.42 Rp 44.0K

-82.23%

Lettuce (1 head)

$0.46 ₹44.13

$0.99 Rp 18.0K

-53.54%

Water (1.5 liter bottle)

$0.30 ₹28.03

$0.51 Rp 9,316

-41.18%

Cigarettes 20 Pack (Marlboro, Camel)

$4.94 ₹469

$2.22 Rp 40.3K

122.52%

Wine (Bottle)

$7.81 ₹741

$22.24 Rp 403.6K

-64.88%

Local Beer (0.5 liter bottle)

$1.86 ₹177

$2.26 Rp 41.0K

-17.70%

Imported Beer (0.33 liter bottle)

$3.05 ₹289

$2.97 Rp 53.9K

2.69%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$6.18 ₹587

One-way Ticket (Public Transport)

$0.20 ₹18.97

$0.25 Rp 4,555

-20.00%

Public Transport Monthly Pass (Regular Price)

$3.21 ₹305

$7.82 Rp 142.0K

-58.95%

Taxi Start (Normal Tariff)

$0.56 ₹53.5

$0.44 Rp 7,975

27.27%

Taxi (Normal Tariff) (1km)

$0.22 ₹20.89

$0.43 Rp 7,804

-48.84%

Taxi 1hour Waiting (Normal Tariff)

$1.08 ₹102

$5.41 Rp 98.2K

-80.04%

Gasoline (1 liter)

$1.13 ₹108

$0.82 Rp 15.0K

37.80%

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

$11.4K ₹1.1M

$23.8K Rp 432.6M

-52.30%

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

$18.3K ₹1.7M

$31.7K Rp 576.1M

-42.28%

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

$36.87 ₹3,499

$79.1 Rp 1.4M

-53.36%

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

$3.56 ₹337

$6.45 Rp 117.0K

-44.81%

Internet (50+ Mbps, Unlimited Data)

$7.44 ₹706

$18.58 Rp 337.1K

-59.96%

Gym Membership (Monthly)

$18.56 ₹1,761

$49.48 Rp 897.9K

-62.49%

Tennis Court (1 Hour on Weekend)

$5.45 ₹517

$17.65 Rp 320.2K

-69.12%

Cinema Ticket

$2.98 ₹283

$4.27 Rp 77.6K

-30.21%

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

$32.79 ₹3,112

$491 Rp 8.9M

-93.32%

International Primary School, 1 Child (Yearly)

$937 ₹88.9K

$5,674 Rp 103.0M

-83.49%

Jeans (Levis 501 Or Similar)

$22.65 ₹2,150

$44.64 Rp 810.0K

-49.26%

Summer Dress (H&M, Zara, etc)

$24.76 ₹2,349

$34.95 Rp 634.2K

-29.16%

Sport Shoes (Adidas, Nike)

$40.73 ₹3,865

$79.9 Rp 1.4M

-49.02%

Men's Leather Business Shoes

$32.31 ₹3,067

$79.4 Rp 1.4M

-59.32%

1-bedroom Apartment, City Center (Monthly)

$208 ₹19.7K

$1,125 Rp 20.4M

-81.51%

1-bedroom Apartment, Outside City Center (Monthly)

$484 ₹45.9K

$671 Rp 12.2M

-27.91%

3-bedroom Apartment, City Center (Monthly)

$387 ₹36.7K

$3,565 Rp 64.7M

-89.14%

3-bedroom Apartment, Outside City Center (Monthly)

$241 ₹22.9K

$1,723 Rp 31.3M

-85.99%

Buy Apartment in City Center (m2)

$645 ₹61.2K

$2,732 Rp 49.6M

-76.39%

Buy Apartment Outside City Center (m2)

$364 ₹34.5K

$2,284 Rp 41.4M

-84.08%

Average Monthly Net Salary (After Tax)

$319 ₹30.3K

$164 Rp 3.0M

94.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.17

13.78

-33.45%

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

Last update for Surat: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Surat

$484 60.6%

Ubud, Bali

$672 49.8% 38.7% $187

Groceries & Markets

Surat

$102 12.8%

Ubud, Bali

$288 21.4% 183% $187

Eating Out

Surat

$81 10.1%

Ubud, Bali

$108 8% 33.3% $27

Clothing & Footwear

Surat

$54 6.8%

Ubud, Bali

$108 8% 98.4% $53

Monthly Utilities & Internet

Surat

$48 6%

Ubud, Bali

$104 7.7% 118% $56

Sport & Entertainment

Surat

$25 3.1%

Ubud, Bali

$58 4.3% 137% $34

Getting Around

Surat

$5.7 0.7%

Ubud, Bali

$11 0.9% 101% $5.7

Cost Breakdown

A one-bedroom apartment in the center runs $208 in Surat and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Surat pays 95% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $11 in Surat vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $102 vs $288 per month, with Surat cheaper across the board.

Good to know

🇮🇳 Surat

🇮🇩 Ubud, Bali

🕒 Local time

19:21 7:21 PM

21:51 9:51 PM

2 h 30 min ahead of Surat

🌤 Weather

👥 Population

6,936,534

74,800

💱 Currency

Indian Rupee INR ₹

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 INR = 10.54 USD

1,000 INR = 9.44 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 2, 2026: 1 USD = 94.9 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.44 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Surat Ubud, Bali 5,690 km ≈ 8 h nonstop flight

From you

Surat
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

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

Surat is about 41% cheaper overall, especially in groceries, clothing, and leisure. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 95% higher in Surat, 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: $208 in Surat versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $33 in Surat versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 183% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $799 in Surat versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Surat but tight or insufficient in Ubud, Bali. The gap between the two cities makes Surat the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Surat and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Surat gentler on the wallet – expenses run 41% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.