Cost of Living Comparison Between Ubud, Bali and Dharwad Cost of Living Comparison Between Ubud, Bali and Dharwad

Monthly Cost of Living

Monthly costs for one person with rent: $1,438 in Ubud, Bali versus $384 in Dharwad.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $611 in Dharwad.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $837 in Dharwad.

Living in Ubud, Bali is roughly 274% more expensive than Dharwad, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 7% above, Dharwad is 71% below.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$2.30 ₹218

55.22%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$10.66 ₹1,012

205.63%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$3.79 ₹360

33.77%

Cappuccino

$2.83 Rp 49.0K

$1.54 ₹146

83.77%

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

$1.34 Rp 23.2K

$0.41 ₹38.48

226.83%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.16 ₹15.01

331.25%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.75 ₹167

70.86%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$3.08 ₹292

25.00%

Milk (1 liter)

$1.74 Rp 30.2K

$0.70 ₹66.4

148.57%

White Bread (500g)

$2.54 Rp 44.0K

$0.45 ₹42.70

464.44%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.68 ₹64.3

75.00%

Eggs

$2.43 Rp 42.0K

$0.95 ₹90.7

155.79%

Local Cheese (1kg)

$14.66 Rp 254.1K

$4.92 ₹467

197.97%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$2.94 ₹279

42.18%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

Apples (1kg)

$3.69 Rp 63.9K

$2.05 ₹195

80.00%

Banana (1kg)

$1.61 Rp 27.8K

$0.68 ₹64.1

136.76%

Oranges (1kg)

$2.69 Rp 46.5K

$0.97 ₹92.2

177.32%

Tomato (1kg)

$2.33 Rp 40.4K

$0.51 ₹48.10

356.86%

Potato (1kg)

$1.91 Rp 33.0K

$0.39 ₹36.88

389.74%

Onion (1kg)

$2.19 Rp 37.9K

$0.41 ₹38.94

434.15%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.45 ₹42.57

135.56%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.35 ₹32.78

105.71%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.85 ₹365

-18.70%

Wine (Bottle)

$23.49 Rp 407.1K

$7.73 ₹734

203.88%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.75 ₹166

56.57%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.90 ₹276

-0.69%

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

$5.20 ₹493

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.28 ₹26.26

3.57%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$8.77 ₹833

-6.84%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.80 ₹75.8

-43.75%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.26 ₹24.92

61.54%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$1.48 ₹141

316.22%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.21 ₹115

-30.58%

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

$26.2K Rp 454.9M

$14.1K ₹1.3M

85.56%

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

$32.5K Rp 562.9M

$21.5K ₹2.0M

50.83%

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

$78.4 Rp 1.4M

$39.70 ₹3,769

97.53%

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

$3.95 Rp 68.5K

$3.54 ₹336

11.58%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$7.60 ₹721

221.05%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$16.03 ₹1,522

502.25%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$7.11 ₹675

-10.69%

Cinema Ticket

$4.04 Rp 70.0K

$2.86 ₹272

41.26%

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

$303 Rp 5.2M

$50.9 ₹4,832

494.56%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$1,557 ₹147.8K

319.02%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$23.94 ₹2,273

124.90%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$25.54 ₹2,425

48.71%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$43.22 ₹4,104

100.74%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$32.15 ₹3,052

145.29%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$125 ₹11.9K

710.10%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$76.4 ₹7,252

783.02%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$271 ₹25.7K

1151.03%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$180 ₹17.1K

1064.58%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$976 ₹92.7K

205.71%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$573 ₹54.4K

307.91%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

8.67

53.17%

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

Last update for Ubud, Bali: April 28, 2026

Last update for Dharwad: April 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $125 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $11.00 in Dharwad for a mid-range dinner for two. Groceries echo the gap at $298 vs $106 per month, with Dharwad 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 Dharwad: Cost of Living - Frequently Asked Questions

Ubud, Bali and Dharwad differ by about 274% in total monthly costs ($1,438 vs $384 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,158 in Ubud, Bali and $577 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: $1,012 in Ubud, Bali versus $125 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,438 per month in Ubud, Bali versus $384 in Dharwad – a 274% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 7% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $384 in Dharwad versus $1,438 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 274% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.