Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Belgaum

For one person, living is cheaper in Belgaum: $332 a month against $1,331 in Ubud, Bali, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
16

Cost of Living Index in Belgaum
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Belgaum Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Belgaum

🇮🇳 India

$332

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Belgaum

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Belgaum actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $332 in Belgaum.

Ubud, Bali $1,331
Belgaum $332

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $558 in Belgaum.

Ubud, Bali $2,255
Belgaum $558

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $784 in Belgaum.

Ubud, Bali $3,180
Belgaum $784

Living in Ubud, Bali is roughly 301% more expensive than in Belgaum, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ubud, Bali 2% lower, Belgaum 75% lower.

Meal at Budget Restaurant

$3.38 Rp 61.1K

$1.89 ₹177

78.84%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 627.3K

$10.75 ₹1,009

222.33%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.9K

$2.61 ₹245

113.41%

Cappuccino

$2.62 Rp 47.4K

$1.61 ₹151

62.73%

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

$1.54 Rp 27.9K

$0.36 ₹33.94

327.78%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.11 ₹10.45

481.82%

Local Beer (0.5 liter draught)

$2.67 Rp 48.3K

$0.93 ₹87.6

187.10%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.2K

$2.26 ₹212

88.50%

Milk (1 liter)

$1.46 Rp 26.5K

$0.71 ₹66.5

105.63%

White Bread (500g)

$2.29 Rp 41.5K

$0.51 ₹48.06

349.02%

Rice (white) (1kg)

$1.11 Rp 20.0K

$0.62 ₹58.7

79.03%

Eggs

$2.10 Rp 38.0K

$0.77 ₹72.6

172.73%

Local Cheese (1kg)

$15.94 Rp 288.6K

$4.88 ₹458

226.64%

Chicken Fillets (1kg)

$3.88 Rp 70.3K

$3.01 ₹282

28.90%

Beef Round Steak (1kg)

$11.40 Rp 206.4K

Apples (1kg)

$3.55 Rp 64.3K

$1.60 ₹150

121.87%

Banana (1kg)

$1.54 Rp 27.8K

$0.64 ₹60.2

140.63%

Oranges (1kg)

$2.23 Rp 40.4K

$1.52 ₹143

46.71%

Tomato (1kg)

$1.97 Rp 35.7K

$0.31 ₹29.53

535.48%

Potato (1kg)

$1.86 Rp 33.6K

$0.38 ₹35.84

389.47%

Onion (1kg)

$2.42 Rp 43.8K

$0.40 ₹37.33

505.00%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.25 ₹23.29

308.00%

Water (1.5 liter bottle)

$0.52 Rp 9,456

$0.31 ₹29.57

67.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.8K

$3.80 ₹357

-42.11%

Wine (Bottle)

$21.79 Rp 394.4K

$5.44 ₹511

300.55%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.1K

$1.40 ₹131

66.43%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.13 ₹200

39.44%

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

$2.62 ₹246

One-way Ticket (Public Transport)

$0.25 Rp 4,533

$0.20 ₹18.76

25.00%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.0K

$14.87 ₹1,396

-45.06%

Taxi Start (Normal Tariff)

$0.44 Rp 7,925

$1.08 ₹101

-59.26%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,472

$0.51 ₹48.07

-7.84%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.4K

$0.87 ₹81.3

543.68%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.10 ₹103

-24.55%

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

$24.4K Rp 442.6M

$10.9K ₹1.0M

124.83%

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

$31.7K Rp 573.8M

$18.4K ₹1.7M

72.24%

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

$77.5 Rp 1.4M

$29.82 ₹2,800

159.83%

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

$6.14 Rp 111.2K

$3.14 ₹295

95.54%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 342.4K

$5.66 ₹531

234.28%

Gym Membership (Monthly)

$51.0 Rp 923.1K

$4.64 ₹436

998.92%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 330.4K

$6.55 ₹615

178.63%

Cinema Ticket

$4.38 Rp 79.3K

$2.08 ₹196

110.58%

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

$492 Rp 8.9M

$20.95 ₹1,967

2250.45%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.2M

$858 ₹80.5K

1324.96%

Jeans (Levis 501 Or Similar)

$45.16 Rp 817.6K

$13.53 ₹1,271

233.78%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 631.6K

$35.81 ₹3,362

-2.57%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$43.50 ₹4,085

80.05%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$23.60 ₹2,216

229.96%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$122 ₹11.4K

785.19%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$64.0 ₹6,006

939.54%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.5M

$262 ₹24.6K

1238.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$194 ₹18.2K

761.57%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$594 ₹55.8K

293.88%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.5M

$404 ₹37.9K

453.96%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$306 ₹28.7K

-45.66%

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: November 1, 2026

Last update for Belgaum: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Belgaum

$64 19.3% 90.4% $601

Groceries & Markets

Ubud, Bali

$279 21%

Belgaum

$96 28.9% 65.7% $184

Clothing & Footwear

Ubud, Bali

$106 8%

Belgaum

$52 15.8% 50.7% $54

Eating Out

Ubud, Bali

$106 8%

Belgaum

$53 16.1% 49.6% $52

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Belgaum

$39 11.6% 62.3% $64

Sport & Entertainment

Ubud, Bali

$60 4.5%

Belgaum

$8.8 2.7% 85.3% $51

Getting Around

Ubud, Bali

$12 0.9%

Belgaum

$19 5.8% 61.5% $7.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $122 in Belgaum. Housing cost is often the main lever when comparing two cities.

Belgaum pays 84% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35 in Ubud, Bali vs $11 in Belgaum for a mid-range dinner for two. Groceries echo the gap at $279 vs $96 per month, with Belgaum cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Belgaum

🕒 Local time

21:25 9:25 PM

18:55 6:55 PM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

600,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.92 EUR

1,000 INR = 10.65 USD

1,000 INR = 9.48 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,103 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,331 IDR (100,000 IDR = 4.92 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 93.9 INR (100 INR = 1.06 USD). 1 EUR = 105 INR (1,000 INR = 9.48 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Belgaum 5,240 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Belgaum

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

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

Total monthly costs including rent come to $1,331 in Ubud, Bali and $332 in Belgaum, so Belgaum is about 75% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 46% lower in Ubud, Bali. 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: $1,078 in Ubud, Bali versus $122 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 versus $35 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $332 in Belgaum – Belgaum is about 75% cheaper, which adds up to real savings over time.

At $332 in Belgaum versus $1,331 in Ubud, Bali, a $1,200 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 both considered safe, so it’s unlikely to be the deciding factor between them.