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: $1,392 in Ubud, Bali versus $385 in Dharwad.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $609 in Dharwad.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $832 in Dharwad.

Living in Ubud, Bali is roughly 261% more expensive than in Dharwad, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Dharwad is 71% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$2.39 ₹228

49.37%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$10.60 ₹1,011

204.91%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$3.80 ₹363

31.84%

Cappuccino

$2.82 Rp 51.0K

$1.52 ₹145

85.53%

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

$1.35 Rp 24.4K

$0.40 ₹38.25

237.50%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.16 ₹15.13

356.25%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$1.70 ₹162

72.35%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$3.11 ₹297

26.69%

Milk (1 liter)

$1.78 Rp 32.1K

$0.70 ₹67.2

154.29%

White Bread (500g)

$2.45 Rp 44.2K

$0.49 ₹46.48

400.00%

Rice (white) (1kg)

$1.15 Rp 20.7K

$0.66 ₹63.0

74.24%

Eggs

$2.41 Rp 43.6K

$0.89 ₹84.7

170.79%

Local Cheese (1kg)

$14.33 Rp 258.7K

$5.10 ₹486

180.98%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$3.03 ₹289

38.28%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

Apples (1kg)

$3.64 Rp 65.7K

$2.06 ₹197

76.70%

Banana (1kg)

$1.57 Rp 28.3K

$0.71 ₹68.2

121.13%

Oranges (1kg)

$2.79 Rp 50.3K

$0.99 ₹94.3

181.82%

Tomato (1kg)

$2.24 Rp 40.5K

$0.55 ₹52.0

307.27%

Potato (1kg)

$1.98 Rp 35.7K

$0.38 ₹36.64

421.05%

Onion (1kg)

$2.28 Rp 41.1K

$0.41 ₹39.40

456.10%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.45 ₹42.96

133.33%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.32 ₹30.36

146.88%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$3.97 ₹379

-19.65%

Wine (Bottle)

$23.49 Rp 424.1K

$7.21 ₹688

225.80%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$1.77 ₹169

63.84%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$2.81 ₹268

-1.78%

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

$5.01 ₹478

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.28 ₹26.44

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$8.47 ₹808

-1.18%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$0.78 ₹74.0

-42.31%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.26 ₹24.84

76.92%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$1.46 ₹139

315.75%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.16 ₹111

-25.86%

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

$26.6K Rp 480.0M

$13.7K ₹1.3M

94.11%

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

$32.5K Rp 587.6M

$21.5K ₹2.0M

51.48%

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

$79.0 Rp 1.4M

$38.89 ₹3,709

103.19%

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

$4.09 Rp 73.9K

$3.41 ₹325

19.94%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$7.56 ₹721

215.48%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$15.72 ₹1,499

528.37%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$7.01 ₹668

-9.42%

Cinema Ticket

$4.01 Rp 72.3K

$2.83 ₹270

41.70%

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

$297 Rp 5.4M

$51.3 ₹4,896

478.96%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$1,568 ₹149.5K

321.05%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$24.02 ₹2,291

122.44%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$25.36 ₹2,419

50.28%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$42.79 ₹4,081

107.17%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$32.20 ₹3,071

137.95%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$123 ₹11.7K

732.31%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$74.9 ₹7,142

808.35%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$274 ₹26.1K

1166.00%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$180 ₹17.1K

1063.23%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$862 ₹82.2K

216.66%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$480 ₹45.8K

377.85%

Average Monthly Net Salary (After Tax)

$164 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: July 28, 2026

Last update for Dharwad: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $123 in Dharwad. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 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 261% in total monthly costs ($1,392 vs $385 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,088 in Ubud, Bali and $578 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: $1,020 in Ubud, Bali versus $123 in Dharwad. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,392 per month in Ubud, Bali versus $385 in Dharwad – a 261% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 1% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $385 in Dharwad versus $1,392 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 261% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.