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: $1,408 in Ubud, Bali versus $362 in Belgaum.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $608 in Belgaum.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $853 in Belgaum.

Living in Ubud, Bali is roughly 289% more expensive than in Belgaum, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Belgaum is 73% below.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$2.34 ₹225

47.44%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$11.43 ₹1,100

182.94%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$3.13 ₹301

54.63%

Cappuccino

$2.75 Rp 49.3K

$2.07 ₹200

32.85%

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

$1.38 Rp 24.8K

$0.37 ₹36.05

272.97%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.14 ₹13.21

435.71%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$1.08 ₹104

176.85%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$2.99 ₹288

28.76%

Milk (1 liter)

$1.74 Rp 31.1K

$0.74 ₹71.4

135.14%

White Bread (500g)

$2.46 Rp 44.1K

$0.30 ₹28.57

720.00%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.59 ₹56.3

98.31%

Eggs

$2.43 Rp 43.6K

$0.81 ₹78.2

200.00%

Local Cheese (1kg)

$14.50 Rp 260.2K

$4.82 ₹464

200.83%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$2.88 ₹277

51.04%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

Apples (1kg)

$3.72 Rp 66.7K

$1.62 ₹156

129.63%

Banana (1kg)

$1.63 Rp 29.2K

$1.12 ₹107

45.54%

Oranges (1kg)

$2.74 Rp 49.2K

$1.84 ₹177

48.91%

Tomato (1kg)

$2.24 Rp 40.2K

$0.34 ₹32.57

558.82%

Potato (1kg)

$1.92 Rp 34.4K

$0.39 ₹37.96

392.31%

Onion (1kg)

$2.28 Rp 40.8K

$0.43 ₹41.07

430.23%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.45 ₹43.22

135.56%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.37 ₹35.37

94.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$4.55 ₹438

-27.69%

Wine (Bottle)

$23.19 Rp 416.1K

$5.37 ₹517

331.84%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$1.36 ₹131

104.41%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$2.30 ₹221

18.70%

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

$4.89 ₹471

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.21 ₹20.33

28.57%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$8.83 ₹850

-8.15%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$1.18 ₹113

-59.32%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$0.58 ₹55.8

-27.59%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$1.47 ₹142

323.13%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.23 ₹119

-34.15%

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

$26.6K Rp 477.4M

$13.9K ₹1.3M

91.12%

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

$32.2K Rp 577.4M

$20.2K ₹1.9M

59.61%

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

$78.4 Rp 1.4M

$51.6 ₹4,964

51.93%

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

$4.07 Rp 73.0K

$3.30 ₹318

23.33%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$6.96 ₹670

249.57%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$6.63 ₹638

1387.33%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$7.46 ₹718

-15.01%

Cinema Ticket

$3.99 Rp 71.5K

$1.89 ₹182

111.11%

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

$305 Rp 5.5M

$23.71 ₹2,283

1186.50%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$1,182 ₹113.8K

461.97%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$19.51 ₹1,878

177.50%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$24.94 ₹2,401

51.60%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$31.75 ₹3,057

173.51%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$23.60 ₹2,272

223.52%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$135 ₹13.0K

632.30%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$69.7 ₹6,711

865.04%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$293 ₹28.2K

1051.91%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$215 ₹20.7K

855.18%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$585 ₹56.3K

379.79%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$397 ₹38.3K

460.49%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$468 ₹45.0K

-64.29%

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: July 11, 2026

Last update for Belgaum: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $135 in Belgaum. Housing cost is often the main lever when comparing two cities.

Belgaum pays 180% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $11.00 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $297 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 289% in total monthly costs ($1,408 vs $362 including rent). Belgaum is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 180% lower in Belgaum. 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: $992 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 $11.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,408 per month in Ubud, Bali versus $362 in Belgaum – a 289% gap that adds up to real savings over time for anyone picking the cheaper option.

At $362 in Belgaum versus $1,408 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 289% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.