Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Islamabad

For one person, living is cheaper in Islamabad: $599 a month against $1,368 in Ubud, Bali, rent and utilities included – about $9,200 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
29

Cost of Living Index in Islamabad
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Islamabad Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Islamabad

🇵🇰 Pakistan

$599

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,368 per month in Ubud, Bali vs $599 in Islamabad, rent included.

Ubud, Bali $1,368
Islamabad $599

A couple spends around $2,314 per month in Ubud, Bali vs $930 in Islamabad, rent included.

Ubud, Bali $2,314
Islamabad $930

A family of three spends $3,260 per month in Ubud, Bali vs $1,261 in Islamabad, rent included.

Ubud, Bali $3,260
Islamabad $1,261

Ubud, Bali costs about 128% more than Islamabad, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 1% above the global median, while Islamabad is 56% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$3.63 PKR 1,004

-8.26%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$23.40 PKR 6,478

50.34%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$5.54 PKR 1,534

4.69%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.57 PKR 987

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.73 PKR 1,864

Cappuccino

$2.73 Rp 49.1K

$2.64 PKR 730

3.41%

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

$1.64 Rp 29.5K

$0.32 PKR 89.6

412.50%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.23 PKR 63.7

260.87%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

Milk (1 liter)

$1.50 Rp 27.1K

$0.94 PKR 259

59.57%

White Bread (500g)

$2.30 Rp 41.4K

$0.72 PKR 200

219.44%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.30 PKR 361

-9.23%

Eggs

$2.14 Rp 38.6K

$1.22 PKR 339

75.41%

Local Cheese (1kg)

$17.48 Rp 314.6K

$6.05 PKR 1,674

188.93%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$3.09 PKR 855

30.42%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$5.35 PKR 1,482

128.60%

Apples (1kg)

$3.55 Rp 63.9K

$1.26 PKR 350

181.75%

Banana (1kg)

$1.57 Rp 28.3K

$0.87 PKR 241

80.46%

Oranges (1kg)

$2.24 Rp 40.2K

$1.04 PKR 288

115.38%

Tomato (1kg)

$1.93 Rp 34.7K

$0.53 PKR 146

264.15%

Potato (1kg)

$1.88 Rp 33.9K

$0.29 PKR 81.2

548.28%

Onion (1kg)

$2.29 Rp 41.3K

$0.36 PKR 99.4

536.11%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.28 PKR 76.4

253.57%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.39 PKR 108

35.90%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.95 PKR 539

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.19 PKR 331

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.68 PKR 743

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$2.24 PKR 619

1.79%

Wine (Bottle)

$23.01 Rp 414.2K

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.16 PKR 43.07

50.00%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$21.34 PKR 5,905

-58.67%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.24 PKR 344

-61.29%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.74 PKR 204

-37.84%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$1.60 PKR 442

240.63%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.37 PKR 378

-35.77%

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

$24.6K Rp 442.2M

$54.5K PKR 15.1M

-54.92%

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

$31.2K Rp 561.4M

$23.9K PKR 6.6M

30.73%

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

$83.0 Rp 1.5M

$103 PKR 28.6K

-19.61%

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

$6.45 Rp 116.0K

$5.99 PKR 1,658

7.68%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$17.15 PKR 4,746

8.28%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$28.20 PKR 7,806

97.94%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$8.47 PKR 2,344

113.81%

Cinema Ticket

$4.38 Rp 78.9K

$4.43 PKR 1,226

-1.13%

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

$493 Rp 8.9M

$75.7 PKR 20.9K

551.41%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$5,004 PKR 1.4M

14.98%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$25.72 PKR 7,118

79.59%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$34.48 PKR 9,543

2.47%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$95.5 PKR 26.4K

-17.20%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$41.32 PKR 11.4K

89.71%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$276 PKR 76.5K

313.22%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$139 PKR 38.3K

387.62%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$572 PKR 158.2K

512.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$270 PKR 74.9K

528.42%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$1,629 PKR 450.8K

70.91%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$836 PKR 231.5K

167.89%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$380 PKR 105.2K

-56.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.08

5.35%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Islamabad: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Islamabad

$139 23.1% 79.5% $537

Groceries & Markets

Ubud, Bali

$290 21.2%

Islamabad

$102 17% 64.9% $188

Eating Out

Ubud, Bali

$109 8%

Islamabad

$80 13.3% 26.9% $29

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Islamabad

$126 21.1% 17% $18

Clothing & Footwear

Ubud, Bali

$108 7.9%

Islamabad

$89 14.8% 17.6% $19

Sport & Entertainment

Ubud, Bali

$65 4.7%

Islamabad

$37 6.2% 42.6% $28

Getting Around

Ubud, Bali

$13 0.9%

Islamabad

$27 4.5% 114% $14

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $276 in Islamabad. 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 131% higher in Islamabad, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $23.00 in Islamabad. Monthly groceries follow the same trend: $290 vs $102 – making Islamabad the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Islamabad

🕒 Local time

08:32 8:32 AM

05:32 5:32 AM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,009,832 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Islamabad 6,470 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Islamabad

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 Islamabad: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 128%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,051 per month in Ubud, Bali and $899 in Islamabad. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 185% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $35.00 in Ubud, Bali and $23.00 in Islamabad. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Islamabad, where all-in costs run around $599, than in Ubud, Bali at $1,368. In Islamabad it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Islamabad – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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