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: $1,368 in Ubud, Bali versus $311 in Belgaum.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $530 in Belgaum.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $749 in Belgaum.

Living in Ubud, Bali is roughly 340% more expensive than in Belgaum, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Belgaum is 77% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$1.81 ₹173

90.06%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.0K

$10.48 ₹1,005

246.47%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.2K

$2.69 ₹257

112.27%

Cappuccino

$2.67 Rp 47.4K

$1.66 ₹159

60.84%

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

$1.75 Rp 31.0K

$0.33 ₹32.07

430.30%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$0.10 ₹9.46

770.00%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$0.98 ₹94.3

201.02%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.1K

$2.17 ₹208

108.29%

Milk (1 liter)

$1.62 Rp 28.7K

$0.73 ₹69.6

121.92%

White Bread (500g)

$2.33 Rp 41.3K

$0.47 ₹44.84

395.74%

Rice (white) (1kg)

$1.11 Rp 19.6K

$0.55 ₹52.7

101.82%

Eggs

$2.20 Rp 39.0K

$0.76 ₹72.8

189.47%

Local Cheese (1kg)

$17.69 Rp 313.8K

$4.24 ₹407

317.22%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$2.58 ₹247

58.91%

Beef Round Steak (1kg)

$12.18 Rp 216.0K

Apples (1kg)

$3.71 Rp 65.7K

$1.61 ₹155

130.43%

Banana (1kg)

$1.59 Rp 28.2K

$0.67 ₹64.0

137.31%

Oranges (1kg)

$2.28 Rp 40.5K

$1.47 ₹141

55.10%

Tomato (1kg)

$1.95 Rp 34.6K

$0.31 ₹29.78

529.03%

Potato (1kg)

$1.91 Rp 33.8K

$0.34 ₹32.84

461.76%

Onion (1kg)

$2.33 Rp 41.3K

$0.33 ₹31.95

606.06%

Lettuce (1 head)

$1.01 Rp 17.9K

$0.27 ₹26.14

274.07%

Water (1.5 liter bottle)

$0.55 Rp 9,788

$0.29 ₹27.69

89.66%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$4.16 ₹398

-46.39%

Wine (Bottle)

$23.07 Rp 409.2K

$3.70 ₹355

523.51%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.32 ₹127

83.33%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.03 ₹194

47.78%

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

$4.38 ₹420

One-way Ticket (Public Transport)

$0.27 Rp 4,821

$0.22 ₹21.11

22.73%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.3K

$14.81 ₹1,420

-39.37%

Taxi Start (Normal Tariff)

$0.48 Rp 8,580

$1.06 ₹101

-54.72%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,691

$0.50 ₹47.88

-14.00%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

$0.85 ₹81.1

563.53%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.06 ₹102

-24.53%

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

$24.9K Rp 442.4M

$10.9K ₹1.0M

128.06%

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

$31.7K Rp 562.4M

$18.2K ₹1.7M

73.90%

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

$81.5 Rp 1.4M

$30.47 ₹2,921

167.34%

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

$6.49 Rp 115.2K

$3.17 ₹304

104.73%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.9K

$5.36 ₹514

250.19%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$4.87 ₹467

1067.76%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.2K

$5.64 ₹541

232.09%

Cinema Ticket

$4.54 Rp 80.5K

$2.05 ₹197

121.46%

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

$481 Rp 8.5M

$20.53 ₹1,968

2241.31%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.3M

$868 ₹83.2K

558.04%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.3K

$13.63 ₹1,307

233.97%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.4K

$32.21 ₹3,088

11.39%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$31.56 ₹3,026

154.72%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$22.15 ₹2,124

255.17%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$118 ₹11.3K

841.64%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$63.1 ₹6,049

1005.80%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$260 ₹24.9K

1299.03%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$196 ₹18.8K

784.36%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$589 ₹56.5K

372.73%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$404 ₹38.8K

466.09%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$307 ₹29.4K

-45.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

10.75

28.19%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Belgaum: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $118 in Belgaum. Housing cost is often the main lever when comparing two cities.

Belgaum pays 83% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $10.00 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $295 vs $87.0 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 340% in total monthly costs ($1,368 vs $311 including rent). Belgaum is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 83% 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: $1,115 in Ubud, Bali versus $118 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 $10.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,368 per month in Ubud, Bali versus $311 in Belgaum – a 340% gap that adds up to real savings over time for anyone picking the cheaper option.

At $311 in Belgaum versus $1,368 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 340% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.