Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Dharwad

For one person, living is cheaper in Dharwad: $371 a month against $1,368 in Ubud, Bali, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
18

Cost of Living Index in Dharwad
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Dharwad Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Dharwad

🇮🇳 India

$371

/mo nomad

Monthly Cost of Living

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

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 Dharwad actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $371 in Dharwad.

Ubud, Bali $1,368
Dharwad $371

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $582 in Dharwad.

Ubud, Bali $2,314
Dharwad $582

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $792 in Dharwad.

Ubud, Bali $3,260
Dharwad $792

Living in Ubud, Bali is roughly 268% more expensive than in Dharwad, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Dharwad is 73% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$3.36 ₹319

-0.89%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$7.16 ₹680

391.34%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$4.21 ₹399

37.77%

Cappuccino

$2.73 Rp 49.1K

$1.59 ₹151

71.70%

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

$1.64 Rp 29.5K

$0.37 ₹35.23

343.24%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.11 ₹10.01

654.55%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$1.56 ₹148

73.08%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$3.22 ₹305

33.54%

Milk (1 liter)

$1.50 Rp 27.1K

$0.67 ₹63.7

123.88%

White Bread (500g)

$2.30 Rp 41.4K

$0.47 ₹44.20

389.36%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.62 ₹58.8

90.32%

Eggs

$2.14 Rp 38.6K

$0.85 ₹80.4

151.76%

Local Cheese (1kg)

$17.48 Rp 314.6K

$4.14 ₹393

322.22%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$2.78 ₹264

44.96%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

Apples (1kg)

$3.55 Rp 63.9K

$1.91 ₹181

85.86%

Banana (1kg)

$1.57 Rp 28.3K

$0.63 ₹59.5

149.21%

Oranges (1kg)

$2.24 Rp 40.2K

$0.94 ₹89.7

138.30%

Tomato (1kg)

$1.93 Rp 34.7K

$0.48 ₹45.73

302.08%

Potato (1kg)

$1.88 Rp 33.9K

$0.32 ₹30.02

487.50%

Onion (1kg)

$2.29 Rp 41.3K

$0.36 ₹34.58

536.11%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.47 ₹44.62

110.64%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.31 ₹29.46

70.97%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$5.38 ₹511

-57.62%

Wine (Bottle)

$23.01 Rp 414.2K

$7.27 ₹690

216.51%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.41 ₹134

65.96%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$2.40 ₹228

21.25%

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

$4.93 ₹468

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.25 ₹23.59

-4.00%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$7.80 ₹741

13.08%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$0.80 ₹75.8

-40.00%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.25 ₹24.12

84.00%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$1.50 ₹142

263.33%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.18 ₹112

-25.42%

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

$24.6K Rp 442.2M

$13.3K ₹1.3M

84.74%

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

$31.2K Rp 561.4M

$17.1K ₹1.6M

81.91%

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

$83.0 Rp 1.5M

$34.48 ₹3,275

140.75%

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

$6.45 Rp 116.0K

$3.09 ₹293

108.74%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$5.62 ₹533

230.43%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$13.87 ₹1,317

302.45%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$6.56 ₹623

176.07%

Cinema Ticket

$4.38 Rp 78.9K

$2.95 ₹280

48.47%

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

$493 Rp 8.9M

$47.71 ₹4,531

933.31%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$1,388 ₹131.8K

314.45%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$24.78 ₹2,353

86.40%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$21.34 ₹2,026

65.56%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$42.91 ₹4,075

84.32%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$27.61 ₹2,622

183.92%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$122 ₹11.5K

840.04%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$73.6 ₹6,985

818.63%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$258 ₹24.5K

1257.74%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$169 ₹16.0K

906.11%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$961 ₹91.3K

189.64%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$469 ₹44.5K

378.19%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

8.86

55.53%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Dharwad: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Dharwad

$74 19.8% 89.1% $602

Groceries & Markets

Ubud, Bali

$290 21.2%

Dharwad

$97 26% 66.7% $194

Eating Out

Ubud, Bali

$109 8%

Dharwad

$75 20.1% 31.3% $34

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Dharwad

$43 11.6% 60% $65

Clothing & Footwear

Ubud, Bali

$108 7.9%

Dharwad

$52 14.1% 51.2% $55

Sport & Entertainment

Ubud, Bali

$65 4.7%

Dharwad

$20 5.3% 69.4% $45

Getting Around

Ubud, Bali

$13 0.9%

Dharwad

$11 2.9% 13.5% $1.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $122 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $7.00 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $290 vs $97.0 per month, with Dharwad cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Dharwad

🕒 Local time

16:49 4:49 PM

14:19 2:19 PM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

100,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 INR = 10.53 USD

1,000 INR = 9.37 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 October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Indian Rupee exchange rates as of October 19, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Dharwad 5,170 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Dharwad

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 Dharwad: Cost of Living - Frequently Asked Questions

Ubud, Bali and Dharwad differ by about 268% in total monthly costs ($1,368 vs $371 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,051 in Ubud, Bali and $557 in Dharwad to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,142 in Ubud, Bali versus $122 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,368 per month in Ubud, Bali versus $371 in Dharwad – a 268% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 13% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $371 in Dharwad versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Dharwad but tight or insufficient in Ubud, Bali. The gap between the two cities makes Dharwad 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 Dharwad 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 Dharwad gentler on the wallet – expenses run 268% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.