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 $1,396 per month in Ubud, Bali vs $348 in Jammu, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $575 in Jammu, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $803 in Jammu, rent included.

Ubud, Bali costs about 302% more than Jammu, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Jammu is 75% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$3.59 ₹339

-6.13%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.3K

$11.47 ₹1,083

236.44%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$3.60 ₹340

53.33%

Cappuccino

$2.64 Rp 46.6K

$1.07 ₹101

146.73%

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

$1.67 Rp 29.5K

$0.31 ₹28.87

438.71%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.12 ₹11.38

541.67%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

$1.60 ₹152

64.37%

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

$3.07 ₹290

39.41%

Milk (1 liter)

$1.55 Rp 27.3K

$0.63 ₹59.2

146.03%

White Bread (500g)

$2.22 Rp 39.2K

$0.37 ₹35.32

500.00%

Rice (white) (1kg)

$1.13 Rp 19.8K

$0.89 ₹84.0

26.97%

Eggs

$2.09 Rp 36.8K

$1.00 ₹94.9

109.00%

Local Cheese (1kg)

$17.39 Rp 306.6K

$4.01 ₹379

333.67%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$1.57 ₹149

146.50%

Beef Round Steak (1kg)

$12.55 Rp 221.2K

Apples (1kg)

$3.62 Rp 63.8K

$1.15 ₹109

214.78%

Banana (1kg)

$1.56 Rp 27.5K

$0.92 ₹86.6

69.57%

Oranges (1kg)

$2.35 Rp 41.5K

$0.69 ₹65.3

240.58%

Tomato (1kg)

$2.06 Rp 36.2K

$0.55 ₹52.3

274.55%

Potato (1kg)

$1.90 Rp 33.5K

$0.34 ₹32.40

458.82%

Onion (1kg)

$2.34 Rp 41.2K

$0.55 ₹51.7

325.45%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.58 ₹55.1

77.59%

Water (1.5 liter bottle)

$0.55 Rp 9,779

$0.29 ₹27.19

89.66%

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$4.26 ₹402

-47.18%

Wine (Bottle)

$23.81 Rp 419.7K

$8.00 ₹756

197.62%

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

$1.34 ₹127

72.39%

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

$3.16 ₹298

-11.39%

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

$2.87 ₹272

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.25 ₹23.43

8.00%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

$3.24 ₹306

167.28%

Taxi Start (Normal Tariff)

$0.48 Rp 8,489

$1.59 ₹150

-69.81%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,863

$0.25 ₹23.47

80.00%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$1.86 ₹176

207.53%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.09 ₹103

-30.28%

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

$24.5K Rp 431.6M

$14.3K ₹1.3M

71.41%

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

$32.1K Rp 566.3M

$22.6K ₹2.1M

42.43%

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

$83.6 Rp 1.5M

$48.47 ₹4,579

72.37%

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

$6.46 Rp 113.8K

$3.29 ₹311

96.35%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.8K

$6.62 ₹625

186.86%

Gym Membership (Monthly)

$56.0 Rp 986.8K

$13.94 ₹1,317

301.51%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

$15.74 ₹1,487

18.30%

Cinema Ticket

$4.28 Rp 75.5K

$2.60 ₹245

64.62%

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

$487 Rp 8.6M

$36.70 ₹3,467

1225.67%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.2M

$1,100 ₹103.9K

432.35%

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.2K

$26.09 ₹2,465

74.63%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.4K

$31.32 ₹2,959

16.16%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$42.39 ₹4,005

93.35%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$28.11 ₹2,656

186.02%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$96.3 ₹9,102

1059.01%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$53.0 ₹5,003

1224.04%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

$241 ₹22.8K

1364.65%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

$162 ₹15.3K

990.04%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

$989 ₹93.4K

185.74%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

$523 ₹49.5K

337.86%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$492 ₹46.5K

-65.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

10.5

31.24%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Jammu: August 31, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $96.3 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 190% 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 $39.00 in Ubud, Bali versus $11.00 in Jammu. Monthly groceries follow the same trend: $293 vs $91.0 – 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 302%, 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 $2,095 per month in Ubud, Bali and $521 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 $39.00 in Ubud, Bali and $11.00 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 $1,396 in Ubud, Bali and $348 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 $348, than in Ubud, Bali at $1,396. 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.