Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Jammu

For one person, living is cheaper in Jammu: $353 a month against $1,353 in Ubud, Bali, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
17

Cost of Living Index in Jammu
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Jammu Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Jammu

🇮🇳 India

$353

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $353 in Jammu, rent included.

Ubud, Bali $1,353
Jammu $353

A couple spends around $2,297 per month in Ubud, Bali vs $574 in Jammu, rent included.

Ubud, Bali $2,297
Jammu $574

A family of three spends $3,241 per month in Ubud, Bali vs $795 in Jammu, rent included.

Ubud, Bali $3,241
Jammu $795

Ubud, Bali costs about 283% more than Jammu, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Jammu is 74% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$3.60 ₹342

-10.28%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$11.66 ₹1,107

199.14%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$3.77 ₹358

51.19%

Cappuccino

$2.62 Rp 47.1K

$1.06 ₹101

147.17%

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

$1.72 Rp 31.0K

$0.33 ₹31.53

421.21%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.11 ₹10.74

636.36%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.54 ₹147

72.08%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.25 ₹308

34.46%

Milk (1 liter)

$1.57 Rp 28.3K

$0.67 ₹63.3

134.33%

White Bread (500g)

$2.19 Rp 39.5K

$0.38 ₹35.75

476.32%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.83 ₹78.7

42.17%

Eggs

$2.16 Rp 38.8K

$0.94 ₹89.7

129.79%

Local Cheese (1kg)

$17.65 Rp 317.7K

$3.96 ₹376

345.71%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$1.51 ₹144

150.33%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

Apples (1kg)

$3.60 Rp 64.8K

$1.12 ₹106

221.43%

Banana (1kg)

$1.59 Rp 28.6K

$0.99 ₹94.0

60.61%

Oranges (1kg)

$2.31 Rp 41.6K

$0.73 ₹69.6

216.44%

Tomato (1kg)

$1.91 Rp 34.3K

$0.53 ₹49.87

260.38%

Potato (1kg)

$1.78 Rp 32.1K

$0.34 ₹32.33

423.53%

Onion (1kg)

$2.33 Rp 41.9K

$0.51 ₹48.30

356.86%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.60 ₹56.7

66.67%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.29 ₹27.34

82.76%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.28 ₹407

-46.50%

Wine (Bottle)

$22.07 Rp 397.3K

$7.79 ₹740

183.31%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.36 ₹129

72.79%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$3.19 ₹303

-6.58%

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

$2.85 ₹271

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.27 ₹25.85

-14.81%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$3.23 ₹307

175.54%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.53 ₹146

-69.28%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.25 ₹23.69

72.00%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$1.81 ₹171

202.21%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.11 ₹105

-25.23%

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

$23.9K Rp 429.8M

$11.4K ₹1.1M

109.53%

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

$32.8K Rp 590.1M

$22.6K ₹2.1M

44.87%

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

$80.0 Rp 1.4M

$47.18 ₹4,480

69.54%

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

$6.56 Rp 118.1K

$3.21 ₹305

104.36%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$6.40 ₹608

190.63%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$13.65 ₹1,296

296.48%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$6.59 ₹625

177.39%

Cinema Ticket

$4.25 Rp 76.5K

$2.62 ₹249

62.21%

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

$493 Rp 8.9M

$36.62 ₹3,477

1245.41%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$1,077 ₹102.3K

419.80%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$25.90 ₹2,459

75.98%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$31.86 ₹3,025

9.73%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$41.61 ₹3,952

86.78%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$28.08 ₹2,667

179.63%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$93.5 ₹8,876

1110.40%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$53.5 ₹5,076

1158.66%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$245 ₹23.3K

1374.52%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$160 ₹15.2K

962.65%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$969 ₹92.0K

180.40%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$534 ₹50.7K

319.70%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$490 ₹46.6K

-66.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.75

17.28%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Jammu: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Jammu

$53 15.1% 92.1% $619

Groceries & Markets

Ubud, Bali

$287 21.2%

Jammu

$91 25.7% 68.4% $197

Clothing & Footwear

Ubud, Bali

$107 7.9%

Jammu

$57 16.2% 46.2% $49

Eating Out

Ubud, Bali

$106 7.9%

Jammu

$69 19.5% 35.4% $38

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Jammu

$57 16.1% 46% $48

Sport & Entertainment

Ubud, Bali

$63 4.6%

Jammu

$19 5.4% 69.8% $44

Getting Around

Ubud, Bali

$12 0.9%

Jammu

$7.1 2% 42.9% $5.3

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $93.5 in Jammu. 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 195% higher in Jammu, 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 $12.00 in Jammu. Monthly groceries follow the same trend: $287 vs $91.0 – making Jammu the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Jammu

🕒 Local time

22:24 10:24 PM

19:54 7:54 PM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

502,197

💱 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 20, 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 20, 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

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Highest

Between locations

Ubud, Bali Jammu 6,270 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Jammu

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 Jammu: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 283%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $530 in Jammu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $35.00 in Ubud, Bali and $12.00 in Jammu. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,353 in Ubud, Bali and $353 in Jammu. That's a gap of about 283%.

A $1,500 monthly budget goes further in Jammu, where all-in costs run around $353, than in Ubud, Bali at $1,353. In Jammu it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Jammu – 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 Jammu. 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.