Cost of Living Comparison Between Ubud, Bali and Belgaum Cost of Living Comparison Between Ubud, Bali and Belgaum

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $362 in Belgaum.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $606 in Belgaum.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $851 in Belgaum.

Living in Ubud, Bali is roughly 292% more expensive than Belgaum, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Belgaum is 73% below.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$2.35 ₹224

51.49%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$11.67 ₹1,117

180.46%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$3.22 ₹308

53.73%

Cappuccino

$2.71 Rp 48.6K

$2.07 ₹199

30.92%

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

$1.34 Rp 24.1K

$0.40 ₹38.39

235.00%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.13 ₹12.83

438.46%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$1.08 ₹103

170.37%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$3.00 ₹287

32.00%

Milk (1 liter)

$1.81 Rp 32.4K

$0.69 ₹65.7

162.32%

White Bread (500g)

$2.52 Rp 45.1K

$0.32 ₹30.68

687.50%

Rice (white) (1kg)

$1.16 Rp 20.8K

$0.58 ₹55.6

100.00%

Eggs

$2.46 Rp 44.1K

$0.83 ₹79.9

196.39%

Local Cheese (1kg)

$14.71 Rp 263.7K

$4.76 ₹455

209.03%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$2.92 ₹280

47.95%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

Apples (1kg)

$3.84 Rp 68.8K

$1.72 ₹164

123.26%

Banana (1kg)

$1.56 Rp 27.9K

$1.07 ₹103

45.79%

Oranges (1kg)

$2.83 Rp 50.8K

$1.84 ₹176

53.80%

Tomato (1kg)

$2.33 Rp 41.7K

$0.37 ₹34.96

529.73%

Potato (1kg)

$1.91 Rp 34.3K

$0.43 ₹40.90

344.19%

Onion (1kg)

$2.20 Rp 39.5K

$0.45 ₹43.13

388.89%

Lettuce (1 head)

$1.01 Rp 18.2K

$0.49 ₹47.10

106.12%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$0.36 ₹34.92

116.67%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$4.78 ₹457

-30.54%

Wine (Bottle)

$23.74 Rp 425.5K

$5.32 ₹509

346.24%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$1.41 ₹135

97.87%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$2.21 ₹212

29.41%

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

$5.01 ₹480

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$0.19 ₹18.62

42.11%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$8.87 ₹848

-9.47%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$1.17 ₹112

-60.68%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$0.58 ₹55.6

-22.41%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$1.41 ₹135

332.62%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.24 ₹118

-36.29%

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

$26.1K Rp 468.8M

$13.9K ₹1.3M

88.21%

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

$32.1K Rp 575.8M

$20.6K ₹2.0M

55.56%

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

$79.9 Rp 1.4M

$50.6 ₹4,845

57.89%

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

$4.06 Rp 72.9K

$3.38 ₹324

20.12%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$7.08 ₹678

232.20%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$6.76 ₹647

1360.06%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$7.30 ₹698

-9.18%

Cinema Ticket

$4.15 Rp 74.3K

$1.84 ₹176

125.54%

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

$304 Rp 5.4M

$23.33 ₹2,232

1202.87%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$1,177 ₹112.6K

461.99%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$19.76 ₹1,891

181.07%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$25.66 ₹2,456

49.30%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$32.40 ₹3,100

173.46%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$23.66 ₹2,264

229.12%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$135 ₹13.0K

643.14%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$70.3 ₹6,723

861.32%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$285 ₹27.3K

1107.66%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$212 ₹20.3K

862.14%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$588 ₹56.3K

383.06%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$394 ₹37.7K

474.62%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$462 ₹44.2K

-64.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

10.75

23.53%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Belgaum: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $135 in Belgaum. Housing cost is often the main lever when comparing two cities.

Belgaum pays 179% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $12.00 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $302 vs $99.0 per month, with Belgaum cheaper across the board.

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

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

Ubud, Bali and Belgaum differ by about 292% in total monthly costs ($1,419 vs $362 including rent). Belgaum is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Belgaum earns 179% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,006 in Ubud, Bali versus $135 in Belgaum. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Belgaum – a meal for two runs $12.00 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,419 per month in Ubud, Bali versus $362 in Belgaum – a 292% gap that adds up to real savings over time for anyone picking the cheaper option.

At $362 in Belgaum versus $1,419 in Ubud, Bali, a $2,000 budget is realistic in Belgaum but tight or insufficient in Ubud, Bali. The gap between the two cities makes Belgaum 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, Ubud, Bali and Belgaum 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 Belgaum gentler on the wallet – expenses run 292% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.