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 $1,419 per month in Ubud, Bali vs $342 in Jammu, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $583 in Jammu, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $825 in Jammu, rent included.

Ubud, Bali costs about 315% more than Jammu, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Jammu is 75% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$3.17 ₹303

12.30%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$11.66 ₹1,116

180.70%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$2.83 ₹271

74.91%

Cappuccino

$2.71 Rp 48.6K

$1.18 ₹113

129.66%

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

$1.34 Rp 24.1K

$0.39 ₹37.74

243.59%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.15 ₹14.18

366.67%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$1.39 ₹133

110.07%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$2.70 ₹258

46.67%

Milk (1 liter)

$1.81 Rp 32.4K

$0.66 ₹63.1

174.24%

White Bread (500g)

$2.52 Rp 45.1K

$0.38 ₹36.74

563.16%

Rice (white) (1kg)

$1.16 Rp 20.8K

$0.77 ₹73.7

50.65%

Eggs

$2.46 Rp 44.1K

$0.97 ₹92.9

153.61%

Local Cheese (1kg)

$14.71 Rp 263.7K

$3.98 ₹381

269.60%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$2.37 ₹226

82.28%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

Apples (1kg)

$3.84 Rp 68.8K

$1.25 ₹119

207.20%

Banana (1kg)

$1.56 Rp 27.9K

$0.95 ₹91.3

64.21%

Oranges (1kg)

$2.83 Rp 50.8K

$0.92 ₹87.6

207.61%

Tomato (1kg)

$2.33 Rp 41.7K

$0.55 ₹52.7

323.64%

Potato (1kg)

$1.91 Rp 34.3K

$0.37 ₹35.57

416.22%

Onion (1kg)

$2.20 Rp 39.5K

$0.53 ₹50.4

315.09%

Lettuce (1 head)

$1.01 Rp 18.2K

$0.64 ₹61.1

57.81%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$0.31 ₹29.60

151.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$3.83 ₹367

-13.32%

Wine (Bottle)

$23.74 Rp 425.5K

$7.87 ₹753

201.65%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$1.47 ₹140

89.80%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$2.55 ₹244

12.16%

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

$3.86 ₹369

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$0.30 ₹28.87

-10.00%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$3.41 ₹326

135.48%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$1.79 ₹171

-74.30%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$0.28 ₹26.64

60.71%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$2.39 ₹228

155.23%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.22 ₹116

-35.25%

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

$26.1K Rp 468.8M

$17.5K ₹1.7M

49.49%

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

$32.1K Rp 575.8M

$26.8K ₹2.6M

19.92%

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

$79.9 Rp 1.4M

$32.07 ₹3,069

149.27%

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

$4.06 Rp 72.9K

$3.57 ₹342

13.73%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$7.47 ₹714

214.86%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$16.38 ₹1,568

502.56%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$6.88 ₹659

-3.63%

Cinema Ticket

$4.15 Rp 74.3K

$2.83 ₹270

46.64%

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

$304 Rp 5.4M

$40.35 ₹3,862

653.31%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$1,204 ₹115.2K

449.22%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$26.53 ₹2,539

109.35%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$32.07 ₹3,069

19.46%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$42.62 ₹4,078

107.88%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$25.79 ₹2,468

201.94%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$98.5 ₹9,429

921.45%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$57.1 ₹5,463

1082.92%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$255 ₹24.4K

1247.57%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$175 ₹16.7K

1067.46%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$970 ₹92.8K

193.03%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$523 ₹50.1K

332.68%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$496 ₹47.5K

-66.69%

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: June 1, 2026

Last update for Jammu: June 2, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $98.5 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 200% 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 $33.00 in Ubud, Bali versus $12.00 in Jammu. Monthly groceries follow the same trend: $302 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 315%, 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 $2,129 per month in Ubud, Bali and $513 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 $33.00 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 $1,419 in Ubud, Bali and $342 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 $342, than in Ubud, Bali at $1,419. 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.