Cost of Living Comparison Between Ubud, Bali and Carmel, IN Cost of Living Comparison Between Ubud, Bali and Carmel, IN

Monthly Cost of Living

A single person spends $1,379 per month in Ubud, Bali vs $2,598 in Carmel, IN, rent included.

A couple spends around $2,363 per month in Ubud, Bali vs $3,743 in Carmel, IN, rent included.

A family of three spends $3,347 per month in Ubud, Bali vs $4,888 in Carmel, IN, rent included.

Ubud, Bali is about 47% cheaper than Carmel, IN, driven mainly by Eating Out.

Both Ubud, Bali and Carmel, IN sit above the global median – Ubud, Bali by 1%, Carmel, IN by 90%.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$19.95 $19.95

-83.41%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$81.0 $81.0

-51.75%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$10.18 $10.18

-44.79%

Cappuccino

$2.64 Rp 46.9K

$4.94 $4.94

-46.56%

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

$1.58 Rp 28.2K

$2.71 $2.71

-41.70%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$1.99 $1.99

-64.32%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$6.14 $6.14

-55.54%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$7.42 $7.42

-41.78%

Milk (1 liter)

$1.54 Rp 27.4K

$0.91 $0.91

69.23%

White Bread (500g)

$2.30 Rp 40.8K

$3.02 $3.02

-23.84%

Rice (white) (1kg)

$1.03 Rp 18.3K

$4.69 $4.69

-78.04%

Eggs

$2.12 Rp 37.7K

$3.94 $3.94

-46.19%

Local Cheese (1kg)

$17.30 Rp 307.5K

$12.45 $12.45

38.96%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$11.19 $11.19

-63.99%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$15.85 $15.85

-21.64%

Apples (1kg)

$3.70 Rp 65.7K

$5.21 $5.21

-28.98%

Banana (1kg)

$1.62 Rp 28.7K

$1.53 $1.53

5.88%

Oranges (1kg)

$2.27 Rp 40.3K

$4.38 $4.38

-48.17%

Tomato (1kg)

$1.99 Rp 35.4K

$4.32 $4.32

-53.94%

Potato (1kg)

$1.83 Rp 32.5K

$2.60 $2.60

-29.62%

Onion (1kg)

$2.25 Rp 40.1K

$2.90 $2.90

-22.41%

Lettuce (1 head)

$1.04 Rp 18.6K

$2.09 $2.09

-50.24%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$2.52 $2.52

-77.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$10.19 $10.19

-78.21%

Wine (Bottle)

$23.22 Rp 412.7K

$15.17 $15.17

53.07%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$2.08 $2.08

14.90%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$3.53 $3.53

-18.70%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$2.53 $2.53

-90.12%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.99 $1.99

-76.88%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.27 $1.27

-63.78%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$25.09 $25.09

-77.28%

Gasoline (1 liter)

$0.76 Rp 13.6K

$0.95 $0.95

-20.00%

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

$24.6K Rp 436.7M

$36.5K $36.5K

-32.68%

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

$31.0K Rp 551.5M

$25.5K $25.5K

21.44%

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

$82.2 Rp 1.5M

$230 $230

-64.20%

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

$6.33 Rp 112.5K

$70.9 $70.9

-91.07%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$67.1 $67.1

-72.38%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$69.2 $69.2

-18.96%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$32.26 $32.26

-42.93%

Cinema Ticket

$4.26 Rp 75.8K

$14.52 $14.52

-70.66%

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

$489 Rp 8.7M

$1,749 $1,749

-72.02%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$19.4K $19.4K

-70.21%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$50.0 $50.0

-8.06%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$45.20 $45.20

-20.66%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$87.9 $87.9

-9.53%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$110 $110

-26.55%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$1,502 $1,502

-23.80%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$1,245 $1,245

-44.40%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$2,474 $2,474

42.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$1,935 $1,935

-11.68%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$1,865 $1,865

49.27%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$1,751 $1,751

29.14%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$6,173 $6,173

-97.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.21

121.90%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Carmel, IN: August 17, 2026

Cost Breakdown

A central one-bedroom costs $1,144 in Ubud, Bali versus $1,502 in Carmel, IN. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 3546% higher in Carmel, IN, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $81.0 in Carmel, IN. Monthly groceries follow the same trend: $293 vs $389 – making Ubud, Bali the more affordable choice for daily food spending.

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 Carmel, IN: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,379 in Ubud, Bali, $2,598 in Carmel, IN – roughly 88% apart. Carmel, IN costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,069 per month in Ubud, Bali and $3,896 in Carmel, IN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $39.00 in Ubud, Bali and $81.0 in Carmel, IN. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 33% more in Carmel, IN, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,379, than in Carmel, IN at $2,598. In Ubud, Bali it covers expenses comfortably, while in Carmel, IN it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,379 in Ubud, Bali to $2,598 in Carmel, IN. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Carmel, IN makes more sense. Both are solid long-term options with distinct trade-offs.