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: $1,394 in Ubud, Bali versus $382 in Dharwad.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $618 in Dharwad.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $855 in Dharwad.

Living in Ubud, Bali is roughly 265% more expensive than 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

$3.40 Rp 60.2K

$2.27 ₹215

49.78%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 573.6K

$10.53 ₹996

207.50%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 88.6K

$3.82 ₹361

30.89%

Cappuccino

$2.82 Rp 50.0K

$1.59 ₹151

77.36%

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

$1.38 Rp 24.4K

$0.38 ₹35.69

263.16%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.14 ₹13.60

421.43%

Local Beer (0.5 liter draught)

$2.98 Rp 52.8K

$1.78 ₹168

67.42%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.3K

$3.12 ₹295

27.24%

Milk (1 liter)

$1.79 Rp 31.8K

$0.70 ₹66.6

155.71%

White Bread (500g)

$2.46 Rp 43.7K

$0.45 ₹42.67

446.67%

Rice (white) (1kg)

$1.20 Rp 21.2K

$0.72 ₹68.0

66.67%

Eggs

$2.39 Rp 42.3K

$0.93 ₹88.4

156.99%

Local Cheese (1kg)

$14.40 Rp 255.1K

$4.92 ₹466

192.68%

Chicken Fillets (1kg)

$4.28 Rp 75.9K

$3.03 ₹287

41.25%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

Apples (1kg)

$3.78 Rp 67.0K

$1.99 ₹188

89.95%

Banana (1kg)

$1.63 Rp 28.9K

$0.72 ₹68.1

126.39%

Oranges (1kg)

$2.80 Rp 49.6K

$0.92 ₹86.7

204.35%

Tomato (1kg)

$2.26 Rp 40.0K

$0.49 ₹46.75

361.22%

Potato (1kg)

$2.00 Rp 35.3K

$0.39 ₹36.56

412.82%

Onion (1kg)

$2.21 Rp 39.2K

$0.45 ₹42.35

391.11%

Lettuce (1 head)

$1.07 Rp 18.9K

$0.49 ₹46.27

118.37%

Water (1.5 liter bottle)

$0.76 Rp 13.5K

$0.32 ₹29.90

137.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.4K

$3.88 ₹367

-19.33%

Wine (Bottle)

$23.81 Rp 421.9K

$7.44 ₹704

220.03%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.3K

$1.76 ₹166

61.36%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.2K

$2.83 ₹268

-1.77%

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

$5.16 ₹488

One-way Ticket (Public Transport)

$0.27 Rp 4,726

$0.28 ₹26.34

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 148.2K

$8.91 ₹843

-6.06%

Taxi Start (Normal Tariff)

$0.45 Rp 8,034

$0.85 ₹80.1

-47.06%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,578

$0.26 ₹24.82

65.38%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 105.9K

$1.47 ₹139

306.80%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.16 ₹110

-31.03%

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

$25.8K Rp 457.2M

$14.0K ₹1.3M

83.97%

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

$31.8K Rp 563.4M

$22.2K ₹2.1M

43.13%

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

$80.7 Rp 1.4M

$38.68 ₹3,659

108.74%

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

$4.14 Rp 73.3K

$3.51 ₹332

17.95%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 427.2K

$7.38 ₹699

226.83%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$16.18 ₹1,531

504.14%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 117.7K

$7.11 ₹673

-6.61%

Cinema Ticket

$4.04 Rp 71.5K

$2.85 ₹269

41.75%

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

$297 Rp 5.3M

$51.1 ₹4,836

481.16%

International Primary School, 1 Child (Yearly)

$6,590 Rp 116.7M

$1,545 ₹146.1K

326.62%

Jeans (Levis 501 Or Similar)

$55.1 Rp 976.8K

$24.79 ₹2,345

122.43%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 682.1K

$25.50 ₹2,412

51.02%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$42.67 ₹4,036

101.85%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$32.21 ₹3,047

142.01%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.5M

$125 ₹11.9K

685.42%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$75.4 ₹7,129

782.14%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.0M

$275 ₹26.0K

1154.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.2M

$181 ₹17.1K

1027.33%

Buy Apartment in City Center (m2)

$2,829 Rp 50.1M

$940 ₹88.9K

200.90%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.4M

$464 ₹43.9K

391.93%

Average Monthly Net Salary (After Tax)

$169 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: June 14, 2026

Last update for Dharwad: June 16, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $125 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 $299 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 265% in total monthly costs ($1,394 vs $382 including rent). Dharwad is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,091 in Ubud, Bali and $573 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: $985 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 $1,394 per month in Ubud, Bali versus $382 in Dharwad – a 265% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Dharwad runs roughly 6% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $382 in Dharwad versus $1,394 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 265% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.