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

Monthly Cost of Living

A single person spends $1,408 per month in Ubud, Bali vs $355 in Jammu, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $575 in Jammu, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $795 in Jammu, rent included.

Ubud, Bali costs about 297% more than Jammu, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Jammu is 73% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$3.22 ₹311

7.14%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$11.58 ₹1,117

179.27%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$2.96 ₹286

63.51%

Cappuccino

$2.75 Rp 49.4K

$1.16 ₹112

137.07%

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

$1.38 Rp 24.9K

$0.36 ₹34.92

283.33%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.18 ₹17.43

316.67%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$1.44 ₹139

107.64%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.63 ₹254

46.39%

Milk (1 liter)

$1.74 Rp 31.2K

$0.66 ₹63.9

163.64%

White Bread (500g)

$2.46 Rp 44.2K

$0.42 ₹40.03

485.71%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.72 ₹69.7

62.50%

Eggs

$2.43 Rp 43.7K

$0.97 ₹93.9

150.52%

Local Cheese (1kg)

$14.50 Rp 260.6K

$3.98 ₹384

264.32%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$2.38 ₹230

82.77%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

Apples (1kg)

$3.72 Rp 66.8K

$1.25 ₹120

197.60%

Banana (1kg)

$1.63 Rp 29.2K

$0.93 ₹90.0

75.27%

Oranges (1kg)

$2.74 Rp 49.3K

$0.92 ₹88.9

197.83%

Tomato (1kg)

$2.24 Rp 40.3K

$0.55 ₹52.9

307.27%

Potato (1kg)

$1.92 Rp 34.5K

$0.35 ₹33.46

448.57%

Onion (1kg)

$2.28 Rp 40.9K

$0.52 ₹50.2

338.46%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.69 ₹66.6

53.62%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.33 ₹31.83

118.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$3.88 ₹375

-15.21%

Wine (Bottle)

$23.19 Rp 416.8K

$7.62 ₹735

204.33%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.47 ₹142

89.12%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$2.59 ₹250

5.41%

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

$3.74 ₹360

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.28 ₹26.79

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$3.57 ₹345

127.17%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.76 ₹170

-72.73%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.30 ₹29.27

40.00%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$2.34 ₹226

165.81%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.20 ₹116

-32.50%

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

$26.6K Rp 478.2M

$17.4K ₹1.7M

52.56%

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

$32.2K Rp 578.5M

$27.7K ₹2.7M

16.40%

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

$78.4 Rp 1.4M

$31.68 ₹3,055

147.32%

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

$4.07 Rp 73.1K

$3.69 ₹356

10.30%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$7.60 ₹733

220.13%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$16.07 ₹1,550

513.63%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$7.18 ₹692

-11.70%

Cinema Ticket

$3.99 Rp 71.6K

$2.87 ₹276

39.02%

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

$305 Rp 5.5M

$41.37 ₹3,990

637.32%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$1,220 ₹117.6K

444.51%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$27.11 ₹2,614

99.70%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$32.25 ₹3,110

17.24%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$43.53 ₹4,198

99.49%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$25.98 ₹2,505

193.88%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$98.6 ₹9,506

906.19%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$59.0 ₹5,694

1039.45%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$249 ₹24.0K

1255.20%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$181 ₹17.4K

1033.58%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$997 ₹96.2K

181.24%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$516 ₹49.7K

331.79%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$491 ₹47.4K

-66.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

13.83

-3.98%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Jammu: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $98.6 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 194% 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 $32.00 in Ubud, Bali versus $12.00 in Jammu. Monthly groceries follow the same trend: $297 vs $96.0 – making Jammu the more affordable choice for daily food spending.

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 297%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $532 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 $32.00 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 $1,408 in Ubud, Bali and $355 in Jammu. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,500 monthly budget goes further in Jammu, where all-in costs run around $355, than in Ubud, Bali at $1,408. 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.